most precious commodities and I assure you it's going to be well-spent tonight I'll make sure it's for the best investment you made for a long time in the next 90 minutes i'll show you hi defeated 20 years of fascination and finally started my pocket journey i'll show you how is able to buy a hundred forty-seven HMOs with no money and how you can do exactly the same to enjoy the same success that I have you may be wondering why should you listen to me well I'm one of the largest taking our landlords with over a hundred forty-seven HMOs i'm currently still buying so I know what the market is light today I've got no 26 years property experience yet the first 13 years I was a part-time property investor either full-time job and manage 20 HMOs and 18 single let's part time so i can remember what it's like to try and keep the job and build up a portfolio my biggest regret is my property journey was delayed because of 20 years because the fear doubt and class last vacation I would like to get you over that so that you feel free now to go out and start investing in property and don't play with property the golden rule is sticking for 20 years and you've made it I know 20 years signs a long time but it'll past and when it's fast you congratulate yourself for making a very successful investment my private investment was delayed for over 20 years because my money beliefs i believe you need money into buying property and I was unable to save a large enough deposit to buy a house so i just watched as properly award in price now i'm gonna show you how you can get around this my belief in property that was the route to wealth and happiness was planted by chance conversation when I was a young scrub of 20 with the landlord of my bed 6 he says the way profiles arising young people will not be able to firehouse just look at this house and this is the house I was moving into a twenty-year-old and it has a bedsit I thought in 1964 for 3,000 pounds today today and that was 1971 so we're goes back quite a few years it's now worth 20,000 just get your head around that it's gone from 3,000 to 20,000 in seven years that's it enormously and those prices are rising the rate of 2,000 pounds a year back in 1971 I thought a salary of a thousand pounds a year twenty couldn't we was considered a really good salary it's probably equivalent of about fifty thousand today so 2,000 pounds year in those days equivalent to a solid a hundred grand today it was only a hundred sighs and then you put yourself in the one-percent top earners in this country and you do this by doing nothing more than knowing a few properties knows what properties will go up faster than you will ever be able to earn the problems money and the solution was in the junk mail that came through my letterbox i discovered that in the junk mail was offers for credit cards in fact you get them today your post I'm sure you must receive at least one or two offers for credit card some say you even pre-approved and that's how i bought my first host I applies every credit card I could and I built up i put are about 20 and i use the cash advances that you get some credit cards to buy my first hm owed yes the interest rate on credit cards as high as high in those days back in nineteen 91 bought my first property it will be no higher than it is today yet it's not what you're paying its what you're making the cash flow i was making from I HMOs was even higher so I made money right away and I was making out money out of the properties is that beginner's luck actually first coffee maybe 3,000 pounds a year which was about twenty five percent of my gross salary at that time now i'm not advocating use credit cards to find purposes i was just extremely lucky 1st object-ball made money beginner's luck and also what helped a lot was around about the stardrive all the years are two missing but for the properties guess what kept it on but three balance transfers three balance transfers for life remembering an argument from this you can't do that can't get 3,000 transfers for life yes you can now they're charging two or three percent and learning committing them to throw a six-month so then affecting a 3-percent balance transfer for six months or three percent you're actually paying six percent per annum which again is still cheap bar links that what you pay for mortgage today but no stages for life guess what I'm trying on her for life but it yeah attached to it a six percent fee so again it's not really a free balance transfer it said was still good life I've got my second HMOs within a year fascination year unfortunately I came unstuck this I am i bought cheap property and it needed a lot of work myfirstproject history was open the door carpets curtains were left by the previous owner is wallpaper good after a bit of furniture in a few locks on the door and bang goes away the second 1i had a lot of work to do for it is pretty Ron dad so I lost money on that and I just didn't understand the cost of refurbishment had this general misunderstanding that builders who didn't really understand builders after careful to say about that but those have used builders understand when I say it was a problem so tonight I'm going to show you how to buy the right property at the right price and how to maximize income the conversion how to do it quickly a bubble safely and on budget so this is hold on listen I'm going to show you how to buy the right product at the right price itemized maximize income is a conversion and make sure you do it correctly in the next eight years going back to my story i bought further certain properties with credit cards unfortunately a bit slow on the outside mostly properties with the wrong type and metal made a loss on this however I didn't lose that please can I knew the house prices would rise eventually i just had to keep in the property as they say keep the faith and I would hopefully house prices would take me out of the hole I put myself in and then things changed or write about 2,000 i discovered a new law risk more abundant source of finance and this created the system i used up until two thousand eight to buy properties I knew once by that time what it was I was looking for or change that I need to make how long it would take to change your property and I've got going to get a lot more experience in learning how much it would cost so you could say I spent the best part of 10 years cutting my teeth you don't have to spend 10 years doing that you've got people like me he only too happy to share our my experience i'm hearing nothing from anyone and you all hear me out okay everything he finds him good honest this is roland rollins looking after me today and he will be dealing with your inquiry thanks Roland here but I carried on and i bought another 31 houses in the following four years once you get used to it we got the experience it like shelling peas just repeat the same system just more of the same or the same and you get over the learning curve and i'm going to show you the proven system i'm using now to buy properties conversion the right property and on budget so i can explain to buy 2424 828 knows 418 single let's I still running my full-time job as a college lecturer used to teaching law and business studies Iran another business as well so you could say I was quite busy strange enough it is because once you systemize things it doesn't take left much time to do things you have a system they're organized and you keep to it i'm going to give you tonight the systems to start your property business with none of your own money and how to manage an HMO for less than an hour a week people think there's a lot of work in managing HMOs it's not to do it right there in 2004 i became I took voluntary redundancy from the college the college was changing a lot of things change education email educate a higher education she was developing those areas where things were being cut back so i became a full-time property investor and I went eyes and set myself an ambitious goal of buying a house a week i gots a 28-20 single that 418 cigarettes 20 HMOs and for some fancy reasonable model making a hundred properties so to do that before what I felt would be the property crash while finance was available advance of the house week and also start in training combo to choir HMOs my great passion and love is teaching i love the interaction and social born teacher lecturer and now it's the other way around an election part is more my hobby that I get paid for it and I make money at it the portfolio is where the big money is to be made and that gives enormous amount of income i don't know i don't actually look upon my property as income because mostly I just reinvested back into property so I don't say that's what I was doing but it's been calculated that i was earning almost as much per month i was earning per year as a college lecture so i just given the opportunity and one of the big advantages of working for yourself as you can choose what you do and you're at your own boss and that's quite as i satisfy and you can just being able to do what you want helped a lot so I know the proposed difficult this journey can be have painful it can be I want to help you avoid the mistakes I made so you can give up your job if you want two and make property investment a successful and profitable income so something about how they provide 50 houses in the church after managed to choose a target is because of the time the lenders are lending and there are they are today the same not quite as abundantly as it were pre-2008 we're going back back to that submission that system i have the systems to buy and convert property as I had luckily they trains with some polish builders and they were now running my team and it was probably what I would never achieved it without the post build is coming it's just that the side the publisher coming into the country i grabbed them and we did very loved I mean working no successfully together ever since then so I did fail for the work it was just a question of picking up the phone finance system saying or buy that property also not the builders and tell them to convert it to say it's like showing page is also saying same system and I would then once is completely iphone up the bank and say give me those money for this property so gotta buy some more by 2006 silent over a hundred HMOs and i just it was so much too much I starting at that time to think i ought to be doing something different i should be looking for a different challenge and i moved more to taking on bigger properties what were the first is commercial properties internal missed another story now you may have heard what happened the two sides met we have a big crash and suddenly the banks but stopped lending and because of that i ran a cash i remember that the time very painfully either about 10 projects on the go I was looking to refinance those once they're finished all my money and cater builders and suppliers and everything else and the party just stopped i reckoned if it had gone on for a few more months and i had done what I think they're doing is consolidate I could have met 2008 with money in the bank and been able to ride for the crash so i had to then cut back on everything and for my way through the crash not only did add source of funding dryer but also the supply of tenants change when i went from being a minority landlord letting to unemployed to being a letting to the majority attendants who are unemployed everyone thinks of me as an H as a landlord who lets to the unemployed when in fact my long-term average is less than sixty cents currently is dropping like a stone and probably only about twenty percent of my tennis now are unemployed I've experienced all sides were letting to professionals workers and the unemployed haven't gone over the 2008 turtle right about 2012 i discovered a new source of what you could call free money and ugly every black cloud in this business has a silver lining the stench of it about it's pretty reliable and above all it's a lot more fun at this new source of free money is what I'm recommended that you use I don't think it's a good idea to garden by property for credit card is induced by with other people's money and in the last 3-4 years I've raised over 6 million board over for a 40 HMOs using the system i'm going to show you tonight so another way of doing it but you can use other people's money now you may wonder why other people give you money and it's nothing unusual if you're buying your own house most people do it through the bank of mom and dad for money off mom and dad as a family thing but luckily the big difference from mom and dad is there usually don't want their money back they're happy to help you this is slightly different very different system unfortunately these people do want their money back and sometimes with interest and i want to buy it and agreed ate their lending it the money to you because they believe you you can multiply it you affect becoming their property financial advisor so you can raise this finance to provide you buy the right property and you accurately predict the cost and time the conversion and giving the money back through i'll explain all this how you going to be able to do this I know it's gonna be hard to follow but just bear with me and I'll show you the program system i have for obtaining money and this is what's called joint venture finance you buy the right property at the right price here then converse internation know they don't have to get the proper the right price and could flip it may be a starting point to build up some capsules by flipping I don't like it either easy gone to the trouble of buying property Wycliffe it you keep it and i'll show you how you can manage your property with its own sort i'm less than an hour a week i'm also gonna give us two bonuses do you like something for free I thought you might yes I'm gonna give you a copy of my JV contract this is drafted by a sister with my help and it would cost you if you had it done over 2,000 pounds that's a fairly conservative estimate one of my J's remember i said i've done over 40 purchase with Jamie's I've got over 34 jb one of them was very particular and he wanted the JV much more legal charge AV and it costs i got to build the other day for the cost of dropped and this is my sight of the bill remember he was paying his side as well 3900 parents plus that that's just for one JV for one person it's much longer lot of wear for version thereafter and all the rest of it but it's a legally doing up jb which cost of that kind of money mine's much simpler straightforward jovi I like mine and keep it simple and in clear English English will also give you a JV deal presentation templates this is a way of how to present the deals so it's like painting by numbers just changed the address change the figures and the bubble change the photograph of the property and but it's the template is already laid out which is quite all inspiring and will help you sell the deal to your JV will give you the list at the end of the webinar so don't forget face the end and then you click on the links you will get a copy of the JV legal contract and the JV deal presentation free of charge there's no obligation there's no charge they don't make you jump through hoops you just press the link and you'll be given it entirely free without obligation at the end of this webinar my thank you for you for listening to my webinar addition to what i can help you do so how do you find JV partners how'd you get the money how do you pay them back without selling the house i'll explain all of that to you so let's start with why would someone give you money to buy a house well love is right there got money I've got money because we work very hard got time for this they don't know about it then got the knowledge eyes remember I said it doesn't take that long to acquire properties but if I'm gonna knowledge and you know about the experience you can't do it like you have no desire to their landlord just put off i find that many strange so why would AJ be invested want you well interest rates or a quarter percent can't remember the last time I heard adding banks are giving it some like no point one percent interest on investments very little the official inflation especially one percent but since breakfast it contacts in swinging this year supplier and pretty well most of the stuff here is offering was at least ten percent higher than last year's cash mob so where to get the one percent from I don't know people realize they're losing money by just coming in the bank and they appreciate that pensions are everyone's lost confidence with the pensions and that's not going to work so how do you find these people with money well you could take a walk in a rich neighborhood with a doggie want a borrowed dog go to lunch regions and join expensive dating Club your inexpensive golf club pretty good fun the last two or you could use your network of people you'll be surprised how much of a network you already have so I statues your network why these people we know you trust respect you it's much easier to ask them for their time and it's easier to present your offer and relaxed non-sales away I like to just do things like stunning and i'll show you how you can do this where you'll get people eating out your hand asking you to the best with you so start off and make a list of everyone you know that switch that something anyone you know who's rich be careful about the one that won you often underestimate the people who are quite which because the the rich because they don't they're not showing got the flashcard that all the money in the bank so first it seems quiet car quiets in the quarter doesn't go out that ball flashcards just they do without much it on and clouds just that she can't he so can everyone just I'm concerned you can hear Jim and then you can see this like first of all questions lock okay great because I can hear you so yes okay great i happen to actually turn the sound up a bit about us our fit neck closer to the flaps off and hopefully it picks up better are you hearing ok road yeah i'm hearing find everybody can hear that which is great and get it since we've broken your flow and there was just one of the questions from Michael which is it was a hundred HMOs 400 rooms so I the other is a hundred extra nice but i'll let you elaborate a little more on that here and yeah it's at nearly a size and rooms i think the last count was a 936 rooms i got and there's a few more coming on this week so it should be soon it would be possibly somewhere in the region of a thousand rooms i'll be operating so quite a lot of tenants my audio technician Wayne Wayne seller hi I'm just trying to get the early call button press Khalifa got two people ask him and are there nevermind I'm press the record button it will tell equipment i can always do the first part of the audio at the recording again so we'll do that so if you can get the record button working now then we can do a repeat it so it's topical lets women officials it's not public now it's recording that so what was the how'd you find JD's make a list of the people who are rich but be careful of under estimating the rich do the rich really rich surprisingly can look pretty cool well those who play it being which at the other way around order audio Alice by the people cease contact and then make a list of another list of people who are well-connected and who will hopefully introduce you to people they know who are rich so you have to list to work on and the time you spend about half and are going through that those least you had a good number of people to contact right so you got it comes out this now and I do it we just pick up the phone these people already know you they trust the respect you and you tell me you want to bring them a profitable opportunity there's no reason why they wouldn't want to listen to your cool given the opportunity to represent your script now you need to tailor this to what you're comfortable with this is just a suggestion so this script that's audio screen it's only suggestion and you can go somewhere along the lines of I've been finding a lot of below market value properties in our area this will enable you to make a purchase well below market value saving these 40,000 unfortunately got the money to buy these types of myself and I'd wonder whether you'd like to make a passive income from property can I buy you dinner to discuss it so you change it to walk you feel come to just ask the question and if they say no a little chat and said nothing's lost simple as that if you are not selling anything at this moment you're just making contact and seeing where they're interested in that type of thing and if they are you gonna chat as chance to meet up some more friends at the meeting you need to know whether you can work them as JV partners and early part where you can meet their expectations and give them what they want it really is a fact-finding meeting so awesome what is most important to them in their joint venture and if this control know there's an element you are happy to control this process you know what's going on and if they what they want to be in total control of it are you going to be able to go about it it's something you have to feel there's plenty of other people that there who will want the deal so don't get excited over the first person you're interviewing them just as much as they're interviewing [Music] you didn't where people once you're enthusiastic about it and you give him the idea that they can make money from property and get all their money back out as explained before and still make money from property you don't have people eating out your hand it's just having the confidence to understand what the process is all about and get it out there the idea of making easy money appeals to nearly everyone you need to just demonstrate your proper property knowledge that you can get and explain how you can get properties below market value so how do you find these amazing deals right what you need to do is we're done here is grab their attention you make them feel secure and you make them this irresistible offer so it's as simple as that that is the process nothing complicated about it you've got their attention by pointing out they can make easy money safely there's nothing more safe analysis also gives a bit of an adventure to their or normal humdrum life that going out earning money and coming back find out what they want and you just got that from the initial meeting make them feel secure tell them that you can buy the house in your name if they want you by the house and joint names but most people miss the way I tend to do it is a buy the house in their name I do it for a slightly different reason I want the house in their name rather than mine that's like JV but just matter what your motivation is it is what is making them feel happy they have the house in their own name you've done all the work and finding the properties of the work how do you then protect your interests actually say well they own the property why cannot walk away with it you set off a side contract is called a deed of trust the data trust make sure that you're interested protected you gotta share the house and this is can be drawn up by lawyers or even use my template if you want it's use a lot of people to protect their wealth may be irresistible offer by putting the deal on the table tell them you'll do all the work you're buying property in their name and this will give them a passive income every month and they get their money back within a timescale usually within a year so you put the show them the deal show the figures using the JV complaint that brings it to life this will create the urgency once they see the deal and you tell them that you're talking to other people then you know you'll find that they will be biting your hand off to do this so make sure that you explain to them that you do all the work you're going to be buying the property you'll find its source it you'll be able to buy you'll do with the conversion were feeling the builders or you can do it yourself you got the time and inclination and skills will deal with finding the attendance and the management you may think now quickly i can't do that will show you how to do it and above all will show you the magic of commercial finance which I'll talk about two years later they so important it makes it sounds like you're doing a lot but remember i have run over a hundred 47 properties do I look / work when she got the systems in place it's not that hard but it's like everything you don't know what you don't know it doesn't take as much time as most people think especially when you got systems there have a selfish they will think they're getting the best deal even though you're using their money after all the money is the easiest part of it all once you learn this the way I do it you don't have to do it this way is we have a monthly cash flow split so the profit split 50-50 while you do all the work remember this had all their money back on this so it really is money for nothing and property to free they were safe secure passive income remember there's nothing safer than houses be careful don't go over to was he asking about this under-promise and over-deliver give yourself more plenty of time to deliver it's always better to deliver safe going to take 12 months and only take 10 months and to say it's going to take you 10 months and it takes you 11 months so work on realistic numbers or worst case numbers and generally it takes about 12 months I've done in six months even less than that but I wouldn't that was luck the average is much longer so how do you pay you JV partners i bet you're itching to know this how'd you go about paying back the JD Partners all their money commercial finance comes in so and I better give you a health warning about commercial finance one it could make you obscenely rich that's not the health warning that i'm really concerned with the other is this denied people say it doesn't exist and it's the people who should know better but they'll tell you it doesn't exist people like mortgage brokers already dubai select watches in the lenders then there's something very strange mostly Jews night it already with newbies so you have to ask the question you obviously don't know what you do and they don't deal with it so the easiest way to get rid of you is say we don't do it is a question that is never asked you never go to a commercial lender and say ask this question which is do you value on income you never asked the question it's a different approach we all know how to value house with although most of the houses we know the cost of our house and of course the neighbor sighs you know they got more expensive parts of the house it's called bricks-and-mortar evaluation property very simple way of doing commercial fire line is where you value H mode in 1803 value don't income that is the rent it brings it is this gross annual rent so the annual red total rent per annum then the country but on average about 10 times the income so to give an example here is a property i bought four hundred and ten thousand pounds i convert it into a 14-gauge note that they go and you are you going to start with I appreciate that but it's just an example it brings in fifty-eight thousand a year in rent that's the growth rate but not so many expenses not come back bad debts are not talking about Boyd's we're talking about the potential renter of this property if everyone pays the rent this is how much it would make that's valued on income 10 * income which is 580,000 and it will you 10 * multiples call me yep that is value outside underrated thousand the banks will lend you some tips enter this which is 300 ATK and admit it costs a hundred and ten to buy a hundred thousand convert so you're borrowing more than you paid on the prophecy are you getting the idea why lenders and mortgage brokers don't go around talking about this why what's but like robbing a bank without dropping it it after up you could get hundred it's empty ki got hundreds of thousand out of this property which i didn't spend on which the holidays and cars and that is when poor foxes for which I do i do things that way remember also you cash out you take the surface cash at is tax-free it alone that's why it's tax-free but it makes you get less income because you're paying a higher mortgage you gonna ask for more money you keep the lending to what you spent I 200 sent you pretty well harming the cost of borrowing so you can make more income my problem is with our like to pay what is it 8,000 pounds a-year more in mortgage interest or have hung and synthesize and panting like talking eight hours in the year or hundred seventy times in my pocket see what I mean see the kind of dilemmas your house when you start doing commercial finance you follow the sisters I'm talking about so if you do it right and always pick the right properties and know what you're doing you can do the same for your JV partners it's using moving away from bricks-and-mortar evaluation to commercial evaluation which is much much better to do you can use commercial buildings but you can still do it with residential properties so you find the right property and you can walk away with a big payout to turn the house into be a business and you proved the business income you don't have to wait months most times you want to borrow commercial you going to show through years trading account probably is different you can borrow the money as soon as the property is less in fact you can do for the properties let's not get into those complications let's keep it simple once it's converted up and that you can start on the money there's no time period there's no six-month rule that people keep talking about with buy-to-let I get very frustrated because I do this all the side and you get people who have never done it try and tell me I can't do it I can understand it come to me and so will prove it to me walking me through it let's see the figures show me an example you've done whatever just come in and tell me I talked to bloke in the pub we so you can't do it is also always broke it it's always also engaged in case the mortgage brokers voted you don't stop by to let mortgages of course he loved no you can't do it because he doesn't do it talk to the people who do it and thats NT pretty guarded because it's one of these for untold secrets that people try to keep quiet about because they don't like to boast about it so you'll need to learn what to look for how to value property and how to find the prop deals starting point is easy if you get the tire three-bedroom house at usually some ladies lift their husband died 20 years ago nothing's been touched the property in the last 20 years is run down the relatives want shot of it it's not appealing to first time buyers because it has run it's like that it's actually ideal in this business is a phrase i give which is ashamed to spoil a good shame to spoil a good and in other words because you're going to go in turn into nature mode so that all tacky has it doesn't matter so much for your knocking around you have to redecorate it recarpet it and do a favor to work so why would you want these well because they're cheap to buy and it goes wrong it's easy to sell it's easy to value it's very quick to renovate is nothing complicated to it uses quite easy to fill it makes a fast reliable which so how do you value a property at how you go about doing it what you're looking for is comparables a comparable is a host of the size and condition which sold recently usually less than six months ago within the range of the house looking for similar house and look up now you can do this the Internet has made things so easy for all of us you look at right move and reach the names the house is the date and looking on the website and see what are sold and after you do this enough times after looking us estate agents windows using your own area you'll get very accurate at valuing properties and you'll spot the properties are below market value usually cosmetic these old houses stuff that's right about a hundred year it's old that's a it's not terminated today so its variable that can go wrong with them it's just super the superficial appearance on the property and I've got well used to that I spent time so I've got in just after the Undertaker's taking the decomposed body as i'm walking over the maggots crunching under my feet the place stinks and I can smell a profit in the property why because the average house buyer would run a mile oh it's terrible look at the wallpaper God case smell the smell is terrible at stake carpet out because you that you are going to details I'm sure that's too much but with a little bit cosmetic takeover you should turn that into a property and you could see it if you want to make a quick profit on it by doing up and restarting it but here the long-term money is to acquire the Prophet turn internation out and then three values on its income so choosing the right doctors just getting out there and looking in the dirt there is money as they often say so be careful about moving too far away from the area but you'll get a feel for the area after period so I'm talk to the stage agents and you'll get the feel for the properties as they are so and there's two ways to find your bargain props it had it stations if you build them but you may have the properties to buy [Music] and you get a big head office they need to get rid off themselves so if you tell them what they want to keep their regular looking something will come up in a few minutes popping in on a weekly basis drop the box of chocolates so whatever in and tell them that you're looking for properties and Yuki keep at it you'll come across these properties but remember you need to be prepared these deals do not stand around you've got to be able to move lightning-quick in this business this business is a strange it's not hard work it is i'm running a two-day course try surprise to expect that did you running today course on this where i revealed in much more detailed step-by-step process to buy property with other people's money and you will be able to we probably just three deals they have to replace your salary so with three deals that's all it takes you can replace your salary you make yourself a good deal on a good income with just five provinces which is multi ledge so it's not that hard to go about doing this so the courses in four sections we show you how to raise the JV finance i would buy the right product at the right price how do you convert it such as to maximize the income you can get it and how to manage the prophecy with just less than an hour week and fast you're letting to professional people i I'd say only take two minutes once you have the property set up and let it only takes minutes to operate so the store section is how to get the finance how to buy the right prophecy how to convert it how to manage it it's all there so we can also give you the paperwork and said we're going to give you I'm gonna give you a JD business plan which will give you the creditor see when you go see your jay-z's will give you the questions you need to answer your initial meeting good picture this is a web server spreadsheet on on the computer or you just tap in the numbers and instantly work out where the property is going to make what kind of cash flow you get out of it and what it above all get all the money back out so all the paperwork's there to you stepping up your success in your business once you've got that you can raise millions in JV financial year the money is there people are getting to get into property so you could get you show it to them and the fact you may think we'll hang on why cant Jim do that unto distance I don't know your contacts you've got the trust with them and you don't have the enthusiasm to do this so they will want to work with you I've seen it time and time again but I first started JV I just couldn't understand that someone who got no properties of various experiences Givens thousands of Jeff because they knew the person they had been with them and they wanted them to invest in property it's so much this you'll find businesses contracts not experience that makes it important so you've got the contacts will give you the experience between between that you'll do awesomely well how we get on there Roland anyone asking any questions or there's one question of her how and where to find so let's start with 1 x function evaluation commercial finance is the same or similar age or commercial lenders also and then only refinance before the six-month mark wright didn't catch the first part i've got a 65 the six months and it doesn't apply to commercial find out such buy-to-let the practicality is the time you've bought the property converted it it's going to be six months anyway you got it let so you go to convert it and let it will be six months down the road probably but you could do it within a month left on it we're about the prophecy and within weeks I've got it converted and let and I've been there looking for commercial finance doesn't make any difference was the first part of the question Romans the first part is 10 * valuation is that vary between renders you know it doesn't vary between lenders it varies between localities remember this important point to a pre appreciate thank you whoever brought that question up is the value of the property as the name gives away a is down to the value is the value is who decide that not all lenders the lenders decide how much they're going to lend some lenders will go up to 75 cent some goeslow sixty percent off the evaluation and evaluation is down to the value and we'll go into subjects about half an hour at all how to [Music] at deal with values some values who are very good at value and HMOs and some who are not so good don't worry about it will explain to you how you go about doing this this is a great magic its once you learn the tricks of the trade you you don't have too much problem with this but yes the multiples that use a very tremendous around the country up north you'll probably get six times income well if you have done in London parts along you'll get 16 times income longer and will be plus 10 times another pastor country where property brothers are high you'll get a higher valuation where I am which is just north of Birmingham i'm running about eight times income i can get as much as 10 and occasionally you get some visual values who got my property that six times income so it's a bit variable so what you want to do is buy standard three bedroom terraced eyes and convert into five bed HMO this is the simplest model it's funny because it's 3 beds2 beds upstairs you got two rooms downstairs knows use the large and dining rooms bedrooms shared kitchen shared bathroom very easy model simple way of going about it tends to be fairly cheap but make sure you get the right type of profit doesn't require massive alterations and the next point is what's called the gold mine area which if i give you a simple cut through the ball on this the gold my name is jenny where you are unless you are in a high price area or stuck in the middle of the country is Jenny fine gold mine area is where you are you know it its local cut down on traveling walk around it get to know the prices of properties the variation prior proper properties so we'll show you how two days course how to convert the property quickly cheaply and above all the highest safety standards and this were more than double your cash flow by buying the property will show you what luxuries tennis want in a bubble of prepare to pay for its what they pay for that matters is going to give you a high occupancy the tricks of the trade in other words how to make sure you get the perfect tenants the interview questions that will reveal those are social paid it's on fine and as post from the idiots are going to not pay and cause your problems the questions have been tried and tested say I've got nearly a thousand tennis now we've got quite sophisticated intelligent and assessing people it's a form that we just look at who pays the rent who doesn't and we're fine every time we find people who not paying the rent we look at it see what we can learn for it and make sure that we're aside it so we eliminate those who don't it's not quite as bad as the [Music] what I know a lot of properties downside there in the papers the other day saying they want that to a battered women because they said they're the ones who are subject to domestic violence than a bad tenants and also then like plumbers i would like to be the world's was trying to get a plumber after saying that about them but they said they were paid to deal with understood from announced it i think the same thing with very similar in that as much as we analyze who's causing problems and we pass that information on to show you how to manage the property i used stuff and you got to keep it simple you have the systems that you have to follow and also what you outsourced to other people what you picked yourself you make sure you're doing what you need to do and outsource the rest there's an old saying in all business to outsource what you can do if left over will show you how to fill the rooms where you get a hundred percent occupancy and make sure you get this all comes down to the colonies advertising that you do you provide will show you the time-saving tricks of avoiding people who don't turn up make sure to get the people who are going to turn up in the most likely to let the property so these are simple tricks the trade of identifying those who are just looking and have no intention of taking of property from those who want to move in and pay their money so what is the investment for this course is 1997 science now remember as a drop in the ocean is only two months rent from the first HMO so first HML should make you about side some pounds profit to learn how to do this is only two months once you bought your first with someone else's money you'll see just how easy it is to set up the second and third and fourth property and you could even do that within the unknown people if you're fully dedicated to it you can do this so you're with four properties you'll be making 4,000 pounds a month the cost of course drops into insignificance 1 times 9 of 9 7 pounds know that on that it's it affect higher what you make double height of that actually our first of all properties in a month will show you how to convert your house into HMO and I safety the very hot the local authorities in many areas on 580 so we'll make sure that you cover and do everything on that show you how you can dramatically increase your cash flow from your HMO by doing this one extra room will increase your profits by in five thousand times a year incredible isn't it to make over 550 just from one extra room the tricks of using on sweets and kitchenette gone are the days when you could just let as rooms you need to be unsweetened kitchen it's not necessarily initially but the future proof your rooms to make sure you get a good supply of tenants use ensuite now the trick about doing rooms is to think of a house totally different remember you now to again the house as a business so you take the houses of box and then take how many rooms can I get out of this and it's quite simple once you start thinking that way around you'll find how many rooms you got out it was leftover becomes the bathroom and kitchen important thing about a room is however a window is going to be accessible or and then the spaces that you got leftover because the bathroom doesn't need a window insulation but its structure in kitchens don't need windows to see the again ventilation do that by putting us extracting you don't need communal lounges gone is the myth that people lived life friends and this whole idea most types of HMOs rarely do need a communal lounge just giving up income so these are the things these little tricks you'll load on the course to make sure that you get the most out of your properties and show you how to divide the properties up so you can slit rooms into you at large rooms are you can deal with it how to fit on reach ultra juice the risks that you have a voyage by getting nice weeks in there on streets are the type of thing that people want and you can increase the rent you get and this increase in rent more pays the cost of the ensuite kitchenettes this is a typical type of kitchen that I fit we call them teammate instances because within HTML you still need a communal kitchen otherwise you won't be having to be shared cities of the tenants and that's all that matters is what does it end want and this is their own ensuite their own kitchenette and it's not just part of proper cookers r and l thought that people now really need any more than a microwave in that picture i have the microwave on the Shelf because that gives you a much more space and look at the picture isn't for this clutter the work surface after the microwave oven shelf that will give a more visual space and they usually quite happy that they got fridge in the room you got it as a think a lot of councils actually want you to go to seek and the fish in the room for the tenants that makes it moist are we put that that's probably about 1.4 meters and again you can get more rent by doing this if these are things certainly advanced 80 landlords not the ones you're stuck in the last 20 years ago who don't know what they're doing you're going to be ahead of the curve start your journey or solid safety foundation so you don't have to be worried about the council coming along so it's I doors fire doors and not expensive about people think they are not you go to hell didn't you get a five-door 420 pounds plus that was that 24 quit if people pay more than that for the door to door closers and sewed automatic closed you need a fire alarm fitting emergency lighting fire blankets certified or this is event smoke and fire spreading normally referred to as half an hour fighters need to make each door that opens onto the staircase a final apart from four bathrooms bottom certainly fire doors don't think but starting a good catch fire its start with the kitchen and then you move to have the room at the shoes overhead door closes the council's like to see them and that caused the doors closed in the event of a fire if you have nowhere to by and they're not that expensive I getting for about 16 patents in a fire line and then easily fitted by a qualified person who knows what they're doing it it's the qualified person does that it's the same safety standards you get in a small hotel bed and breakfast and by doing this you winning the approval of the council emergency lighting it's not death too cheap you I i spend ten pounds for emergency lights a life with a battery backup so in the event of the past cellular light comes on or you can have them i use them as terms and lighting and have them so they're on all the time and if the party of the remain on center drive it five blankets needs kitchens not much and say about those add a bubble you must ensure that your properties look come to beautifully address that is it a trick one of the advocates of this says that the fuel of fluffy cushions are better and ensuite i'm not sure i definitely agree with that it makes a very good point if you address the room well color-coordinated furnished they will fly out whenever we have problems letting a room once you have dressed it addressed it well we let him straightaway when you operate an HMO it doesn't have to be time-consuming especially we got the right tenant I managed over 20 HMOs and 618 single let's when I was part time and I did everything pretty well myself apart from the cleaning and a lot of the small maintenance work so the management really dance myself I folks are the tenants i do the advertising i do the weekly checks the important thing is getting a tenant stairs there's that's what makes your money you got to be what we call tenant friendly and realize that you look after your tenant make sure you get the right view them look for the type that will fit in together and the golden rule in this business is don't mix types and secondly don't mix ages we've got students keep the students and the difference to 90 students first year second or third year and then your post grad keep those separate categories professionals you have special people professionals workers keep your workers unemployed pizza unemployed and again with the last three professional workers are employed be careful about age do not mix the ages don't know what makes young without a simple pretty obvious try to keep the people there who are in the house sitting there John so we talk about ages and talk about types of people are not avoid conflict will show you the tricks of how to interview people so you can spot the troublemakers and the problem is you get a bad person in the property they can upset your other tennis and they move out so you need to be very careful you interviewing and essential point to ask questions are why you're moving where you work and how have you worked there that the looks to the key to all tends to be where they work look at where they work at I say that worked at the same place for over six months that is a pretty good gives you a very good idea as to the stability of the person but then that all goes out the window when you're looking to Eastern Europeans have just come over to this country so it doesn't work all the time but I listened to the responses talking to them you'll quickly assess where this person will fit into your HMO the HMO success formula is a two-day course we're available to set by step process to buy property other people's money and show you how to replace your salary just three deals it's as simple as that the course bro going down into four sections how to raise JV find out how to buy the right properties right price how to convert the property to maximize profits not wasting money on stuff that is what i call a fantasy things that make the difference to your letting and we'll show you how to measure up we give you all the paperwork you need the journey business plan this gives you instant credibility when you're talking to your jv's give you the questions to ask so you're going there with the questions ready to assess your JV the jb legal legal packs remember those who you were going to give you that free at the end of the session so pleased when it comes up to a tap on the link and you'll get free I'll show you and on the course will give you the license the tenant license this is unique i only use licenses and it gives you the advantage of taking short-term and long-term champions in other words you can do service accommodation as well as they chose but that's only a starting point you're far better if you want to HMOs keep the properties h nose and a good long-term tenants because you're upset the balance of the prophecy and the others you can put in short-term tennis but change the layout and properties we've got properties where the ground floor is all the separate from the rest of the building and therefore we put use those rooms for service combination for fast turnover until we find someone whose long-term will show you how to obtain licenses it if you need to have your property license your area or throughout the country has certain properties have to be licensed to show you how to do that you've got a conversion checklist which shows you how to make sure you cover everything [Music] on your conversions important your laptop which helps you calculate the costs and returns from how your HMO to ensure that it makes a profit and what profit you get and ensure that you get all your money back so you can repay your Jamie partner when you give the money back that they put into the property hopefully they'll say fine love that do it again do it again do it again fantastic you raised millions of pounds but using JV finance you'll probably end up with more than you can cope with enough people chasing you and just want to pop these steps to this you have the JV partners eating out your hand 12 the property because once that you approach it the right way they feel safe they feel comfortable you can see that you can deliver they will want you to do this fortune so you want or not have a problem in getting chip Davies and get invite easily and then move on to the more advanced strategies what kind of properties to avoid and the ones to use so you don't get knocked down as i did in the early days where you end up with a money pit yes it works out good long-term but you don't want to have you properly tied up story itself will show you how to how to convert our coasts into a highly frustrating i'll quickly and cheaply and the highest safety standards where you make good cash flow out of the property by doing the proper amendments to the proxy and laying it out right will show what will not reach tennis do want and what they're not don't want and the ones who don't want to the ones that are not prepared to pay for the things that you're looking for is what's going to give you a hundred percent occupancy and how to assess the right tenant right use the right interview questions so you can eliminate those who are going to be a problem and make sure you get the ones who are going to be sociable pay the rent on science and don't call you and that's a problem for the property you've got the whole systems based on my 26 years experience of higher to manage the property from start through the different phases the tenant until they leave and what to do and it goes wrong we show you what should outsource and what you should control yourself how to fill your property so you get a hundred percent occupancy and this is there to the quality they advertise how to make it five times more like to keep reviewing or let you know they're not coming and to find those who will not be taking the property what is the cost of this this investment is nothing is peanuts its ghostly underpriced 1997 fans which is as say the first two months rent for your first date remote and once you've bought for which you could possibly do in the first year it's fast the first month's wrench so you will learn how to do this for a mere fraction of the cost if you want it to you don't come on the course you can pay me for my time I charge 200 pounds an hour so for two days that cost Hugh three tires and 200 pounds and that's without all the contracts that business plan the license is the paperwork i'm giving you to run your own HTML but it gets better do is get better would you like to save a thousand pounds on this course yes you can by agreeing to share you some success with others no words i'm looking for people give me testimonials this is a new course I've done HMOs and quarterly HMOs for years i started back in 2004 running courses so I've got lots of people come through but this is a new type of course so I want testimonials from people who beat on this course so that i can give it use them for other people if you agree it's not legally binding contract and change in mind that's fine but if you start often agree that you share your success with others are knock of 1,000 pounds of the price so is now down to one month's income from your first HMO on top of that i'll give you a hundred percent money-back guarantee if you attend on the first day of course you're not completely satisfied with the course just let me know i'll give you the refund stay not happy just tell me yourself and we'll give you a refund no questions asked no hassle no problems you can buy the satisfaction but if you don't believe me I'll show you who you can ask so save yourself and for only 997 band know that the next course is 18 and 19 the federate that saturday and sunday will be running it in my office office in near Wednesday's so you'll see the properties you'll see how I operate this is the website for the bookings and you see it it dot ly /h mo success formula course bit ly it yes sir late night i'm going to be posting the when I asked spot you can possible right on that into a web browser otherwise be typing and it is just as this godly /h my successful with of course the link is case sensitive so please make sure that you type it in as you can see on screen to hms for capital success formula of course each of those words have the capsules left and if you have any problems getting this web page and just that itself giving the training and I'm for static will be James doing a training see but gift two days I another question you mentioned flooring here is it possible well can do manage to do 50 HMOs in a year and a half weeks so is for and possible yeah absolutely you're right a six-month recycle your cash but usually it's fun more than one heavy and what you know how to do it once you'll find many many JV partners easily and they say want to go fast on the table it's very easy to find r56 potential houses and the same price so Jim i'll let you have some of these can you do patience with you know do you have to stick to three beds or can you do larger properties are absolutely right we really mentioned three beds because they're everyone can understand those are easy yes this problem with five and six th properties is they tend to be rather expensive it's not the number of rooms it's the size the property some of these old Victorian properties are TARDISes so I've had properties which have been to bed and i ended up with a bad guy to them and you interests you brought up an interesting point about that the way the property these two properties were is you find that the first two will generally pay them all each the third pays for each other it is the third tenant so we got first two cents pay for the mortgage third pays for the utilities the fourth covers voice Matt maintenance etc the fifties profit that's why i say you really want five bits but then if you have an eight bed what about the 678 person they're all profit incredible in a bed makes the prophet of for single that 445 lat HMOs 18 bed makes a profit of 45 bed HMOs got that so if you get the right property and divide it well this is the tricks we tell you on the course is amazing so you could possibly do it with one popped it because all we have costs are absorbed in the first four tenants so the 5th 6 7 & 8 are all profit credible isn't it it's powerful sophos it'll blow your head now you may say Wednesday where the hell is that yeah I often wonder the same near Birmingham one hour 20 minutes wrong you soon and that 20 minutes to the taxi from there you go from over Hampton it's 10 minutes and attack you from Wolverhampton the Far strange go to New Street you can get the train to walk so but issues just quicker so it's not that hard to get it's just get over i notice of you in the southeast just like going past Watford Gap but I show you it's worth doing this because no did you come up and see me i'll be doing the course that I do get a 12 other people do it is speaking especially to break the day as the weekend up I do mostly if we take you and show you the proctors people say it's always the same that feedback forms Jim the course was great but seeing the property was amazing we really enjoyed looking at the property so let's look at some of the people have done this Jackie she was an overworked lawyer hated the job i always want to be a lawyer stretch enough and I meet these people who done what I was going to do I have intellectuals of the drop is elected it nor always fancied being there and then I meet people have done more and they hated it didn't want it painted the management actually quite like the job same story comes out every time I didn't mind the job so much is just the management she bought six HMOs within a year has now got six eyes and 670 pounds monthly cash flow and I assure you she worked the civil servants she doesn't break a sweat she did that with very little effort she given up a job and having a very comfortable lifestyle those six HMOs more replaced her income Gary came from South Africa ended up in this country with hardly anything he got out from it so i got that was getting pretty difficult to live it he came here with very little and build up a portfolio of HMOs he goes to the beginning stuff down he liked to be largely used commercial finance i have opened showed him how to get commercial finance you get all this money back out he didn't jb he wasn't a jet a person wants to JD he liked to keep all the profits himself he's now making awesome cash flow and it's lovely quiet retiring the lad who's done so well for himself Simon Cindy were lab technicians working long hours jobs that they Haiti because it wasn't really using their full potential they are quite five HMOs within a year deport them with none of their own money then I've got over 5,000 pounds a-year cash flow and they've given up their jobs they didn't like them that now God's full-time doing HMOs again they didn't with my help I help them get there and put out took them to the line where could they go to the floor plans if this is the plan from there about you being in Peter and they want you to feel the legacy for their children and within five months their board shown within 18 months and bought five HMOs their whole motivation is different they like the idea of being financially different but he did it for the fact that they wanted to have the luxuries for the children so they could have time for their children so it wasn't so much to be profitable but it is very profitable they're doing their properties in a very nice area they've got some lovely HMOs and I MBS off that the properties they get because it's such a nice area are working in so if Jackie Gary Jackie hated their job Gary who came here tennis as an immigrant to this country Simon Cindy who just hated the jobs once you get out and doing things that bring in Peter who how had the motivation to build up a portfolio in the children on any different from you they're just ordinary people nice people like to work with nice people but there and no there's nothing special about them that I don't like that because that exceptional because they've done what everyone wants to them have become financially independent they worked with me they put away without a doubt they gave it a try and they're now enjoying the success so don't be like me wait 20 years this I missed that I feel like mr. my life 20 years I could have done it you can start your property journey without having to use credit cards to get the right properties so that you make the right decisions so you can do it yourself you can build an HMO called for do with other people's money i bought 50 house to the year you can see from the other people and who want you can speak to these people are giving this testimony also real people not made it up there's hundreds of people eyes then said you just have to go to the website and well-known HMO daddy tells it is you can see the properties people so she ever has been done HMOs has come on my course so you can do this i would not recommend you go out and do 50 properties in the year but you can if you want it was a bit of fun at the time are showing the system's live now built up from my experience and all you have to do is a apply it take consistent action just move just take the first step avoid the mistakes i've done use the repeatable systems i've created build it portfolio at the speed that you feel comfortable and you can live life on your terms remember you can save over a thousand pounds if you are prepared to share your experience with others the core state is saturday and sunday 1819 figure it it's my office at my office which is near burning them you get the train or you can drive up by the way there's plenty of parking around here this is not like London we got traffic wardens at every corner plenty of parking areas you want to park if you want to stay up here and listening experience we can find you accommodation one of my HMOs so you can live the experience if you will on others plenty of hotels in the area locally so you don't have to go back but the trainers say within two hours you can get from London from Dorset doorstep from houston to my dorset one hour and I think 10 or 20 minutes on our 20 minutes from London you get a coach it's gonna be tight takes three hours study is the website bit dot ly 4-stroke HMO success formula of course make sure you get the right a casing for this you can do it success that gives you more time the freedom and choice had to give you the lifestyle that you wish you can do it I've done it so many times I've systemized it just follow what I've done remember you are a hundred percent money-back guarantee just have to tell us on the first day of course and you can have your money back how do you think on the day when you've achieved your property goals when you achieved the benchmark of your success whatever you want to do you quit your job you wish to you can take the holidays of a lifetime the people who have talked about then I'm enjoying the ability to go on holiday at you take Cindy and sound they're talking about having ten holidays a year they're already bought and they've already 24 last year this year the planet of 10 i'm going to buy themselves the car they're always wanted to buy the car dreams healthy kids through University have the ones you can take control your side your income your fetish travel your work-life balance when you learn the proven system of buying properties and converting into each most using someone else's money so remember hundred percent guarantee is it not worth giving it a try what have you got to those who don't believe it then you can ask for your money back if you book tonight you can save a thousand pounds is repaired its fire honors the property investors so we give you that this guide once we've built up enough testimonials will not be given to discard will be charging other people 1019 nights and bunch or maybe more once with bill to develop this course definitely while I will go a couple of questions and one is and what if you want to go as a couple so he wants to go you wanna bring your business partner if you want to bring your husband to life partner and you can and get to take is this and while in hospital to and times the cost of course so if you want to bring a partner with we don't check out what your father is or anything else like that if you come as a part of your book together then use the second person comes to heart price and now we don't have a link for that I'm so you will need to cool the office I don't know your number for the office will be given out shortly and what else we got I don't know so just blank space and slide space playing that out Michael the medicine program and we do people often that separate dishes the time that what are the questions that we've got does it work with flat the left left yeah it works a flat so you have got an issue with slats that the freehold of sometimes subject I got about six laps i use i try and keep away from you can because the freehold it doesn't like you multi letting them but if you let the professionals you ready to get problems with the flat so yeah it does and it doesn't ok and then we've got one say what would you recommend last victorian houses with the grounds and or smaller terrorist proxies it's what you can get the price this is you use the spreadsheet to work at the price what you gonna be able to get from this if you bring the floor plans with you we can show how you can divide them up small Tara Stiles is a tend to be cheaper the larger victorian properties tend to be a bit more expensive it depends on the area is dealing with i love the larger properties so that would be my preference but it's against and to the price and then one final thing and pieces saying he said the and licenses that stand up in court so what can help it migrating Peter I don't disagree with you that's her they we're not doing it for cool i'm not trying to say you're trying to get round the eviction process for if I have to dig through the courts i use i treat the license says tape what I'm doing is we're running a business and I'm focusing on the fact that if you use the issue licenses it gives you the opportunity to let the property long-term and short-term that's the point about a license it covers both sides but yes is right why are you going to court anyway you're going to go to evict they stand up okay because he doesn't matter what the agreement says an ast is an asst regards to the paperwork to talk to a lawyer street in medford calling for any other name is still for a license becomes an ST I've done over 350 evictions in court system with one hundred percent success so you want to chat about that happy to do so and we also run the course on it and I've written a manual college so yeah it's not it doesn't anyway anyway harm your ability is making a business as successful viable business that we're trying to do we're not looking at it from any other angle match and we're going to questions from paul who says that we have a third a plant so there will be further base but we don't have any in there is just yet and if you can't make the everyday but you definitely want to do the course then issued by the course tonight and then just let us know that you want to change that they won't be a problem [Music] down proofing is that necessary rarely when you go for a larger HMO you get some cancel that they over 6 [Music] and which is exactly what it is out the and my teachers even management 90-day so it is just a top 25 stern you still end up with roughly 10 times multiple the older slightly differently in the way they operate give me 20 values are going to 20 different valuation different 20 different Martin message doing it but don't worry about it generally it works and that's the important thing is a approximation of the system with that's all the question runs mark littell questions great questions there thanks very much I see you're taking in and if you think of any other questions just email me i'm going to give you the details in a minute I love the questions mainly because i'm writing a book on it using the questions as a basis for books among these books are being written about 15 now so if you look on the website want to read a bit more you can do so so don't worry about how to learn something new you've got the need to get out your comfort zone if you want to take a change if you want to stay where you are then you just do what you can if you do what I do buy property in 20 years time whatever you've thought the prices will go to give me a call awesome i help you can come to my offices and learn how to run the business i do what's called HTML Academy with people for no charge i don't charge for it can work in the business and learn to be a language so I'm open I'm generous with what i'm doing i encourage them equal to do this i'm actually do it and not like so many people who talk about it but when you scratch the surface you wonder what their object go on the website and have a look so you can learn how to go about it so throwing 997 pounds the CoreStates 1819 februari it's in my offices which is near burning of our and a half from London remember the bonuses you listen to me you've been a great audience thank you for listening to me without any obligation you can have the JV contract and the deal template entirely free of charge it's a my thank-you for you listen to me and I hope you'll take the stretch of learning how to build a portfolio using other people's money following the tested systems I views over the years and one second gen just wanted to let people know that just sending the links to the various legal contract and to the deal template in the questions box so you can just copy and paste the URL into your web browser sales download those and I've also paste it in the link to the course one more time say that in there as well I don't think there's any more questions that anyone play something in right now and what if you do have any more questions in my third order please email me at gym HMO daddy.com is on the sheet or ring the office and talked to Wayne he'll be happy to talk to you got any questions or problems clarity you want to know about phone way he deals with my marketing or X can't get through to anyone you've got my mobile number that is my personal mobile number you can bring me I'm open [Music] of talking to people who want to take the steps of changing their life and making a success out of prophecy and love to torture thank you is it thank you from you Roland thank you very much guys here is going to great evening and and thanks for the questions i can for the people of us is a recording compulsion and we didn't record tonight smile that I hope your weekend Sorry Sorry scrapped stretcher there Roland we did miss the first 20 minutes but i'll just redo the first 20 minutes we're going to go that way we got ya my plane is that also acts as the audio technician amongst everything else that gets landed with so we'll just redo the first 20 minutes so the recording will be available should you want to copy of it excellent it was just asking for the links again let me just put learn just posting them and the questions blocks i'm doing right now so there's the deal template just gonna is the link to the jv's little contract so again we need to do is completely baseless into your browser and the question marks about right and like people got one which is good so yeah thank you for being on last ex jam and a great time thank you it's good night for me and it's good night from him and I've well I thought I just this money tomorrow we got there