0:01

Welcome to The Norris

0:01

Group real estate podcast, a

0:05

show committed to bringing you

0:05

insights from thought leaders

0:09

shaping the real estate

0:09

industry. In each episode, we'll

0:12

dive into conversations with

0:12

industry experts and local

0:16

insiders, all aimed at helping

0:16

you thrive in an ever-changing

0:20

real estate market. continuing

0:20

the legacy that Bruce Norris

0:24

created, sharing valuable

0:24

knowledge, and empowering you on

0:28

your real estate journey.

0:28

Whether you're a seasoned pro or

0:32

a newcomer, this is your go-to

0:32

source for insider tips, market

0:37

trends and success strategies.

0:37

Here's your host, Craig Evans.

0:45

Hey, I want to

0:45

thank everyone for stopping by

0:47

today and checking out our new

0:47

podcast. We are super excited.

0:50

We've got a great guest with us

0:50

today. We've got Carlos Diaz

0:54

from Ridgewood Property

0:54

Investments. Listen, Carlos is a

0:57

seasoned real estate investor,

0:57

and proud owner of Ridgewood

1:01

Property Investments. A company

1:01

that buys, fixes, and flips

1:05

properties in Southern

1:05

California with an emphasis in

1:08

the Inland Empire. He's a

1:08

licensed real estate agent, and

1:11

he will on occasion represent

1:11

buyers and sellers in a

1:14

traditional manner as well.

1:14

Carlos is originally from

1:17

Hawthorne, California, son of a

1:17

hard working immigrant parents

1:21

from Mexico. Growing up in the

1:21

inner city taught him many life

1:25

lessons and credits his parents

1:25

for his work ethic and

1:28

navigating the neighborhood gang

1:28

violence of the 90s. After

1:31

graduating high school, Carlos

1:31

worked many odd jobs but finally

1:35

landed a career in logistics.

1:35

And when his company announced

1:38

they would move operations to

1:38

Ontario. Carlos saw this as a

1:41

way out and a chance for a fresh

1:41

start in 2008. After years of

1:46

obsessing over the real estate

1:46

industry, Carlos bought his

1:49

first rental property in 2011.

1:49

always dreaming of quitting the

1:53

traditional nine to five job, he

1:53

decided to get dedicate more

1:57

time to investing, working two

1:57

jobs to save enough to launch

2:01

his flipping business, which he

2:01

funded 100% for two years. In an

2:06

effort to grow his business, he

2:06

would discover advantages of

2:09

leverage. And in 2022 became a

2:09

full time real estate

2:13

professional. Finally quitting

2:13

that nine to five job. Carlos is

2:17

married and has two kids.

2:17

Carlos, my friend, it is great

2:20

to have you on today, I am

2:20

grateful that you took time out

2:23

of your schedule to be with us.

2:23

And listen, our show, we want to

2:28

bring a variety of content and

2:28

guests from the real estate

2:30

world. And so because part of

2:30

what we want is, we want people

2:33

to know that we all come from

2:33

different backgrounds and

2:35

stations in life. And I want

2:35

them to hear your success story,

2:39

right. So if it's good with you,

2:39

let's jump in and get started,

2:42

okay?

2:43

Let's get started. First of all, thank you so much for having me. I truly

2:45

appreciate it.

2:48

Absolutely.Absolutely.

2:48

So Carlos listed from your bio,

2:51

we know that you came from

2:51

humble and sometimes dangerous

2:53

beginnings. Tell us a little

2:53

about a bit about growing up in

2:57

Hawthorne. How tough was it

2:57

having you know your formative

3:01

years and that environment? You

3:01

know, and for? For those of us

3:04

that aren't from Southern

3:04

California, you know, I'm from

3:07

South Georgia, right? So tell me

3:07

about that environment and all

3:11

of our listeners all over the

3:11

country. Tell us about what that

3:13

environment looks like and how you came there.

3:15

Right. So we moved

3:15

a lot in the beginning, um, and

3:20

anywhere from West LA to Venice.

3:20

And then when we landed in

3:24

Lenox, and then finally in

3:24

Hawthorne, right? It was pretty

3:28

much a step in the right

3:28

direction. But in the 90s being

3:33

low income, you can only afford

3:33

certain areas, right. And these

3:38

areas were typically gang

3:38

infested. And that happened up

3:42

until my early 20s, right. In

3:42

the sense to where it was

3:48

difficult to navigate. Because

3:48

it really didn't matter where

3:52

you went, if you saw left, if

3:52

you saw right. It was in front

3:57

of you, it was in your face,

3:57

right? And join our speaking

4:01

about it to where it was now

4:01

looking back on it, it was

4:04

stressful time for any child,

4:04

any teenager, it becomes

4:09

stressful. And I want to say it

4:09

got to the point where you

4:12

become immune to it. And it's

4:12

just the norm. It's just the

4:15

norm. And it was suffocating

4:15

without me even knowing it up

4:22

until the point to where it

4:22

literally felt like I wasn't

4:24

able to breathe.

4:25

Wow.

4:26

And those stresses,

4:26

I'm now looking back on it. I

4:33

don't think anybody should

4:33

ultimately have to go through i,

4:37

right? Um, that still exists

4:37

today, unfortunately, but it's

4:42

just a way for you to see the

4:42

reality of what truly goes on in

4:46

these communities, right at the

4:46

end of the day. They're these

4:50

communities and from what I've

4:50

been able to see it doesn't

4:54

matter what inner city community

4:54

it is. They go through the same

4:59

struggle. It's very similar.

5:01

Well, what do you

5:01

think is the number one thing as

5:05

a kid growing up? You know, I

5:05

mean, I know, the choices, we

5:10

all make choices, right? It's

5:10

right. It's our choice

5:13

individually as far as how we

5:13

live and what we do. But what do

5:16

you think was the one thing that

5:16

kept you kind of on that

5:18

straight and narrow, so to speak?

5:21

100% my family. So

5:21

I read a passage in one of John

5:27

Maxwell's books, where it says

5:27

your family gives you stability.

5:31

And I truly feel that that did

5:31

help me to be able to navigate

5:37

right? It got to a point where

5:37

obviously, there was a lot going

5:40

on in that environment, and you

5:40

do get caught up. But you're,

5:44

it's faster for you to come to

5:44

that realization that what

5:47

you're doing isn't right, and

5:47

it's gonna lead you nowhere. And

5:50

I felt that family backing or my

5:50

family as my backbone really did

5:56

help.

5:56

So was it mom and

5:56

dad? Was it aunts, uncles,

6:01

cousins, what what do you think

6:01

was the biggest group that kind

6:05

of helped pull you and keep your

6:05

head on right, so to speak?

6:08

Oh, yeah. 100% It was mom and dad.

6:10

Yeah.

6:10

Mom and dad,

6:10

because there were some family

6:13

members. And unfortunately, they

6:13

were in the same environment,

6:17

right, and caught up in certain

6:17

things to where, you know,

6:21

they're closer to your age

6:21

range. And they're more like

6:25

your peers, right. But with mom

6:25

and dad really having a

6:29

stronghold on my upbringing, I

6:29

felt that that really did help

6:32

me.

6:34

So what do you

6:34

think is the biggest lesson that

6:38

you took from mom and dad?

6:42

You said it earlier

6:42

choice, right? Where you have

6:47

the choice. But it got to the

6:47

point to where I felt that they

6:51

raised me, they felt that I feel

6:51

they gave me enough tools and

6:57

raised me correctly, to when I

6:57

came across her sage situations,

7:02

they trusted that I will know

7:02

how to handle it, right? So like

7:06

you said, we all have choices.

7:06

And once you have that choice,

7:09

if you take that step back and

7:09

really think about what you're

7:12

going to do and what's going to

7:12

happen, which I feel a lot of

7:14

people don't they just react,

7:14

right? I feel that helped me a

7:21

lot.

7:23

And I've never

7:23

really gotten into a lot of my,

7:27

my background from growing up

7:27

things like that. It was, we all

7:32

got choices. And you know, I

7:32

didn't always make the greatest

7:35

choices growing up, right. My

7:35

family lived and guided me one

7:40

way. But I chose to do things

7:40

that were quite frankly, pretty

7:45

dumb a lot of times, you know, that got me into a lot of trouble. So I think that's

7:47

interesting that looking back,

7:50

you're crediting that process to

7:50

your mom and dad and the kind of

7:54

the vision and the guide that

7:54

they pushed you through in that,

7:56

you know, so. So as you were

7:56

growing in that environment,

8:00

what was college really an

8:00

option for you?

8:03

So, I want to say

8:03

it was a thought, it was a

8:09

thought that was never really

8:09

taken serious. Once again, that

8:13

was a choice, right?

8:14

Sure.

8:15

I did start you

8:15

know, with the whole junior

8:17

college thing. I want to say I

8:17

went to El Camino College for I

8:23

want to say, a year studying on

8:23

fire and emergency technology.

8:28

So I wanted to be a firefighter.

8:28

But that's as far as it went

8:32

past that year, it didn't go

8:32

past that year, I should say, a

8:36

lot of things happen to where I

8:36

had to make another choice. And

8:41

I had actually got accepted into

8:41

that fire academy. But at the

8:45

time, that's when the company

8:45

made the switch over to Ontario.

8:49

So that's where the fork in the

8:49

road was at that time, I want to

8:53

say LA County and LA City have

8:53

put all EMS on a hiring freeze.

8:58

So I didn't really know where

8:58

that was gonna go, once I

9:00

finished the academy was like

9:00

going to have a job. chances

9:04

were very high that I was but it

9:04

was going to be somewhere like

9:06

in the mountains, right? Doing

9:06

forest fires. So that's

9:10

something I didn't see myself

9:10

doing. So that choice was made.

9:14

And I just came over to the

9:14

Inland Empire.

9:17

So you were really

9:17

kind of forced into like, I

9:20

gotta pick or choose something

9:20

you're pretty quick then so.

9:22

Right at that time. Yes.

9:24

Yeah. Well, so let

9:24

me ask you this growing up in

9:27

the environment that you were

9:27

growing up in? And, you know, I

9:33

here's part of you know, Carlos,

9:33

why don't want to dive into this

9:36

summer's you know, we've talked

9:36

a lot about with some

9:39

unbelievably extremely

9:39

successful people on my show, in

9:44

the last several months and very

9:44

honored that they take time with

9:47

us and stuff, right. But at the

9:47

end of the day, it doesn't

9:50

matter where we've come from we

9:50

all started somewhere. Right?

9:52

And that's where I think when

9:52

we're talking about somebody

9:57

that started with the background

9:57

and the humble beginnings that

9:59

you started that's where I

9:59

really wanted to get your story

10:02

out there, right. So, so as you

10:02

were growing up and the

10:06

environment that you're living

10:06

in, and so, again, if I if I can

10:10

walk back, I mean, Hawthorne

10:10

how, how bad of an environment

10:14

is that? I mean, is it a?

10:16

So Hawthorne the

10:16

city isn't too bad? Um, it's how

10:21

you want to see it. It's either

10:21

the beginning or the end of the

10:23

South Bay, right?

10:24

Okay.

10:25

Um, the neighboring

10:25

city would be Lenox. And that's

10:28

where I was at for eight years.

10:28

So that's pretty much what I

10:30

knew it was literally across a

10:30

major street.

10:33

Okay.

10:34

And you're in

10:34

Lenox, right? So all that bled

10:38

over. And it was difficult man,

10:38

our neighbors in drive bys, we

10:45

lived in a back house, which is

10:45

what I wanted to touch on, you

10:48

know, a lot of choices. My aunt

10:48

own the front house, right, and

10:52

she was a single mom, my cousin

10:52

was older, and he was hanging

10:55

out with a bad crowd. So you

10:55

would see all these guys crowd

10:59

open or in their front yard,

10:59

right? So it was it was a

11:02

constant thing every weekend,

11:02

multiple times during the day.

11:07

It was stressful. At the end

11:07

day was stressful. You become

11:12

immune to it. But that's all you

11:12

saw. And it got to the point to

11:14

where that's all I thought there

11:14

was right? It wasn't until my

11:19

later teenage years that I

11:19

actually started to leave the

11:21

city, drive to other cities,

11:21

drive to other neighborhoods and

11:26

be able to see hey, you know

11:26

what, not everybody has bars on

11:28

their windows. Not everybody

11:28

has. Yeah, I'm serious,

11:32

channeling fences. Streets are

11:32

narrow over here. People don't

11:38

park on their grass. And all

11:38

these things were eye openers

11:42

for me as a teenager, like, wow,

11:42

okay, there's another city

11:45

beyond this.

11:47

Sure.

11:47

Right. And then

11:47

moving up from Hartshorne. I

11:49

want to say that city was

11:49

Torrance and then from Torrance,

11:52

you go to another city called

11:52

Palos Verdes this right? And you

11:56

go up there, and you see

11:56

mansions, multimillion dollar

11:59

homes. And all that was just a

11:59

huge eye opene, right? Like,

12:04

okay, there's people that

12:04

actually live like this. So, um,

12:11

I don't want to do something

12:11

wrong, right? Because if I do, I

12:14

know where I'm gonna end up.

12:14

Because this is all I know,

12:17

right? So at that early stage of

12:17

my life, it's pretty much when I

12:21

when that seed was planted,

12:21

like, hey, you know what,

12:24

there's something else out

12:24

there, you just have to figure

12:26

out how to get there.

12:28

Well, so that was,

12:28

I'm glad you went there, right?

12:30

Because that's actually where I

12:30

was trying to go. Growing up in

12:33

that environment? When did you

12:33

realize or what did you think

12:36

you wanted to do for a living?

12:36

Growing up in a scenario like

12:40

that? I mean, it was it? Was it,

12:40

seven, hey, I'm gonna be a game

12:45

or being a gang. And by 12, No

12:45

way, man, I see some kind of

12:49

walk us through that mindset is

12:49

because not everybody grows up

12:52

seeing that, right.

12:54

Right. So in the

12:54

beginning, because that's what

12:57

was around you, you thought

12:57

automatically that you were

13:00

going to join a gang, right?

13:00

That's kind of, I want to say a

13:04

given. But that's where my

13:04

parents stepped in like, 'Okay,

13:07

well, that's the first thing

13:07

you're not going to do, you're

13:09

not going to hang around these

13:09

type of people', because they

13:13

also they were naive, they knew

13:13

where that could lead, right? So

13:17

all that they will pull me away.

13:17

If I started to hang around

13:21

certain people, I will get

13:21

pulled away, right. So that was

13:25

in the early stages where you

13:25

kind of it was the norm, it was

13:31

a normal thing to do. You were

13:31

going to be from a certain area,

13:35

or you were living in a certain

13:35

area, you really belong to that

13:37

area, right? And it's until I

13:37

got older, right? Well, number

13:43

one, my parents would pull me

13:43

back, pull me back, pull me

13:45

back. And I would see other kids

13:45

that their parents were doing

13:51

something similar. So I'm like,

13:51

okay, well, it's not that weird.

13:54

It's a little weird, right? When

13:54

you're young, and you want to go

13:57

outside and play something as

13:57

easy as going outside and

14:00

playing right at certain times.

14:00

I wasn't allowed to. Why?

14:03

Because that's when everybody came out.

14:05

Sure.

14:06

It was difficult,

14:06

and now putting my parents shoes

14:11

on. It's something that I

14:11

wouldn't let my kids go outside

14:14

either, right? Because I

14:14

wouldn't want them if I had no

14:17

choice. And I was in that

14:17

environment, I would try to

14:19

protect them and show them as much as I can.

14:21

Right.

14:22

So that that

14:22

helped. In my earlier years. The

14:26

older I got, obviously, all

14:26

these people that I saw, you

14:30

know, I wouldn't see them around. So I'd asked my cousin afterwards song so, Oh, they

14:32

went to prison, or this happened

14:36

to so and so. Like, okay, well,

14:36

doing that looked cool. And I'll

14:43

be 100% transparent as a little

14:43

kid, you're naive. So you think

14:46

certain things look cool, right?

14:46

It's until you get to a certain

14:50

age that you start seeing the

14:50

reality. Hey, you know what,

14:53

that's not cool. This guy taking

14:53

care of business. You know,

14:57

going to school has a vision and

14:57

swallowing. Wait, that's cool,

15:02

right? But you don't see that or

15:02

you don't come into that

15:05

realization until you're older

15:05

in life.

15:08

So let's jump back

15:08

again. And you know, you're now

15:14

in, you're in logistics and work

15:14

with a company, they're looking

15:17

at going to Canada, you're

15:17

studying for firefighter all of

15:21

a sudden, okay, now you've got

15:21

to make a decision, right? So,

15:26

you're kind of forced in between

15:26

the aspect of am I gonna stay in

15:30

logistics? Yep. Ah, I missed

15:30

that one. All right, let me go

15:43

back and get my brain my train

15:43

of thought there. Okay. Alright,

15:58

so let's go back a bit. Because

15:58

you know, you were in logistics,

16:02

companies looking at making a

16:02

move to Ontario, you were

16:05

already studying for firefighter

16:05

that you're kind of forced into

16:09

making that decision of which

16:09

route to go, correct.

16:12

Right.

16:13

Okay. So so, in

16:13

that, because it wasn't, I mean,

16:16

this is a cool story. And I want

16:16

to make sure that I'm getting

16:18

this right and following the

16:18

timeline here. So I guess in

16:22

that process of, you're kind of

16:22

at a crossroads, because you're

16:26

now an adult, you're working.

16:26

You want to go one direction,

16:29

you're seeing that kind of

16:29

posting out. Did you see

16:34

yourself staying in logistics

16:34

for long term? Or were you

16:37

already seeing real estate? When

16:37

did you start kind of developing

16:41

this dream and this vision for

16:41

real estate, to build wealth and

16:46

to not have to say, 'Hey, I'm

16:46

not gonna punch a clock every

16:48

day.'

16:49

Right? So that

16:49

actually happened later during

16:52

that time. Um, it was during

16:52

2006. I want to say 2006. I had

17:00

a buddy, right? It's gotten

17:00

since 2007, that assisted a real

17:06

estate agent. So just, you know,

17:06

talking to him, I asked him,

17:09

'Hey, man, what, what's it going

17:09

to take to buy a house today?' ,

17:13

right. And the numbers he threw

17:13

at me were insane, right? We're

17:17

talking about 2007-ish. And I

17:17

couldn't believe it. I literally

17:22

said to myself, You know what,

17:22

I'm never gonna own the home.

17:24

Like, it was real sad. It was a

17:24

true moment to where like, Okay,

17:28

what I'm doing today, I'm never

17:28

gonna be able to own a home. So

17:32

what do I need to do? So,

17:32

obviously, at the age I was at,

17:36

I had to find something that was

17:36

steady, something where I would

17:39

earn decent. And like, most

17:39

thinking, or most people's

17:44

thinking, you just work really

17:44

hard. You save as much as you

17:47

can you give a downpayment, you

17:47

buy a house, right? So it's

17:50

something that was already a

17:50

pattern, you know, that I saw.

17:53

Okay, well, then that's what I

17:53

had to do. And I want to say

17:57

when that happened in 2000 Oh,

17:57

and to answer your other

18:01

question, no, I didn't see

18:01

myself doing logistics, you

18:03

know, for past a certain age,

18:03

because I knew that there was no

18:08

way that that was sustainable

18:08

for the long term, in order for

18:12

me to build any kind of wealth,

18:12

right? You can do it for so

18:17

long. And this is what another

18:17

buddy at the time told me which

18:20

I remember right now that it was

18:20

just a stepping stone, use it as

18:25

a stepping stone. So with that

18:25

mindset, I just went into that

18:30

job, did the best I could and

18:30

just pretty much waited out

18:36

right? Up until the point where

18:36

I was able to save enough money

18:39

and then buy that property. I

18:39

didn't get that aha moment in

18:43

real estate up until I bought

18:43

that first property in fontana,

18:47

right. So that property was it

18:47

was foreclosed. I had gotten an

18:52

FHA loan. And at that time, if

18:52

you guys remember, a lot of

18:58

kitchen cabinets were missing. A

18:58

lot of cabinets in the house

19:01

themselves were missing, there

19:01

was a lot of things that were

19:03

missing in homes. This

19:03

particular one would not qualify

19:07

because it was missing some of

19:07

the pee traps the cabinets, the

19:11

bathroom, there was a lot of

19:11

things going wrong with it. The

19:13

agent at the time told me 'Hey,

19:13

man, I don't think this property

19:16

is gonna pass FHA' or number

19:16

one, the bank, I guess, wasn't

19:19

willing to do any of those

19:19

repairs, they just threw it on

19:22

the market and whatever they

19:22

got, they were gonna get. So

19:25

they had accepted our offer. And

19:25

it was a coin toss. So I, me and

19:30

my buddy went and we put in

19:30

cabinets. So when the appraisal

19:33

would go in inspection would go

19:33

in they wouldn't notice it. So I

19:38

pretty much asked them amen. If

19:38

I do all this, is this gonna

19:42

close? Are we gonna go through

19:42

this whole deal? I didn't know

19:44

the verbiage at the time. He

19:44

said, 'Yeah,' you know, they're

19:47

just going to take pictures. They're going to make sure everything works and they're not

19:49

going to hit us on it. So it'll

19:53

finance. Great. So one weekend,

19:53

it was a Saturday and Sunday we

19:57

went out there we just installed

19:57

everything. And lo and behold

20:00

Oh, yeah, they approve the loan.

20:00

Yeah. So it was one of those

20:03

things where that's where I saw

20:03

the possibility, hey, you know

20:08

what? elbow grease, and it could

20:08

happen, I'm thinking a little

20:12

bit more thinking outside of the

20:12

box, and it could happen, you

20:16

can make it happen, right. So

20:16

that's just when I got obsessed

20:20

with real estate, right, and

20:20

this was back in 2009, when we

20:25

closed on it. And ever since,

20:25

and it was just in my sight, it

20:30

was like a target that I was

20:30

looking at. And I was gonna

20:32

figure out a way to keep on

20:32

getting more and then to start

20:34

flipping eventually, I never

20:34

really wanted to be a landlord,

20:38

per se. I always wanted to be a

20:38

flipping investor, right?

20:43

Somebody that just buys and

20:43

flips so that that property

20:46

could be enjoyed by another

20:46

family. At the end of the day,

20:48

that's pretty much ultimately what I wanted.

20:50

Well, and that's

20:50

what I mean, what I'm listening

20:53

to is interesting, because

20:53

you've got, you've never owned a

20:58

home. And at that time, I mean,

20:58

understand this, you didn't

21:02

personally own a home correct?

21:05

Not me personally, no.

21:06

Yeah. So you were

21:06

renting, and the first home that

21:09

you want to buy, you were so

21:09

aggressive to go buy this home,

21:15

that you put cabinets and stuff

21:15

in it before you owned it.

21:19

Right, just and the reason...

21:20

...we deal to go

21:20

through and that's, that's what

21:23

I want people to see is so

21:23

often, you know, we watch so

21:26

many people today, in our

21:26

culture that talks about, here's

21:30

the 12 steps that you're going

21:30

to do this, or here's the four

21:33

steps that you do this, and, and

21:33

it's just this easy. And that's

21:36

part of what I'm loving about

21:36

the stories that we're sharing

21:39

with people, you know, that our

21:39

investors and the people that do

21:42

stuff with us have lived through

21:42

because you weren't promised

21:47

this house? You know? No, yeah,

21:47

I feel pretty.

21:51

So now knowing

21:51

about it. Yeah, it was a huge

21:54

risk, it was a huge risk...

21:56

Would you still to

21:56

that today?

22:01

Now knowing what I

22:01

know, yes, as a seasoned

22:05

investor, but at the time, it

22:05

was just looking at as much as I

22:10

could. And as much as I knew,

22:10

and just asking the people that

22:14

were pretty much dealing with

22:14

this right situation. If I do

22:17

this, you know, what is truly

22:17

going to be the outcome? And

22:23

they didn't answer me right

22:23

away, which is something that I

22:25

appreciate. They took their time

22:25

thought about it, and then

22:29

answered because they ran through the scenario in their mind that anything could have

22:31

happened, obviously, you know,

22:34

anything could have happened to where that that...

22:37

For you to be that

22:37

aggressive to say I'm willing to

22:40

go put cabinets and sinks and

22:40

pee traps, you know, something I

22:43

don't even own for the chance to

22:43

buy it when I don't even own a

22:48

personal property yet. What was

22:48

there a trigger or something

22:52

that says, 'I got to do this?'

22:52

What was there was a moment or

22:56

something that happened that

22:56

says, I guess that's not

22:59

something you just think I'll

22:59

just gonna put cabinets, you

23:01

know, I mean.

23:02

Right.

23:03

Was there something that drove you to that or?

23:06

Absolutely. So it

23:06

was since that property was

23:09

already pretty much locked in?

23:09

Well, I don't want to use that

23:12

verbiage. But when the contract

23:12

had been accepted, right, I felt

23:17

I was there. So I had to try

23:17

everything, everything within my

23:22

ability to actually obtain that

23:22

property that house, why?

23:27

Because this was going to be my

23:27

ultimate escape from the old

23:31

environment. And I was going to

23:31

try everything I possibly good

23:35

good to actually make it happen.

23:35

So you're right. I did see the

23:42

two, I guess angles. One I just

23:42

leave it alone, see what

23:46

happens. Chances are very high

23:46

that I'm gonna go back to that

23:49

environment.

23:50

Sure.

23:50

Or I try as much as

23:50

I can, and get out of it and try

23:55

something new. Something that

23:55

actually wanted what was truly

24:00

on the other side. I didn't

24:00

know. I just knew we couldn't

24:04

get worse. So that's pretty much

24:04

that moment.

24:08

For more information

24:08

on hard money loans, trust deed

24:10

investing, and upcoming events

24:10

with The Norris group. Check out

24:14

thenorrisgroup.com. For more

24:14

information on passive investing

24:19

through the DBL Capital Real

24:19

Estate Investment Fund, please

24:22

visit dblapital.com.

24:27

The Norris group

24:27

originates and services loans in

24:29

California and Florida under

24:29

California DRE license 01219911.

24:35

Florida mortgage lender license

24:35

1577 and NMLS license 1623669.

24:41

For more information on hard

24:41

money lending go to

24:43

thenorrisgroup.com and click the

24:43

hard money tab.