LIFE WITH MIKEY

Most people lock up money too early in retirement accounts and miss flexibility when opportunities show up. In this episode we walk through how we’d think about allocating $10k, $100k, and $1M, why we prioritize the employer match, how a self-directed IRA can expand options, and the tradeoffs between post tax dollars, real estate, and diversified holdings.Timestamps0:00 - Setup & stakes1:06 - Matching the 401k1:33 - Why going past the match could hurt3:27 - 401k loan used strategically6:44 - The “idle cash” mistake7:42 - Rolling into a self-directed IRA10:55 - Roth vs Traditional tradeoffs21:32 - Unlock the IRA47:47 - Final lessons This video is for education only. Not financial, legal, or tax advice. No results are guaranteed. Individuals are urged to do their own research and consult with their own tax, legal, and investment advisers before making any investment decision.

Real talk for real estate agents and investors. Glennda Baker lays out the painful truth: the second you sell a property, your income stops. She breaks the “artist not operator” trap, shares the 50 percent commission rule that ends tax panic, and shows the ethical way agents can become owners without burning client trust.What you’ll learnWhy selling fast keeps you broke and holding builds wealthThe 50 percent rule: 30 percent taxes, 20 percent high-yield savings, so you’re always ready to buyThe ethical agent-to-investor path: expose to open market, then buy if you can beat the top bidSocial media that actually sells: proof over polish, “authentic intelligence,” and avoiding claims that land you in courtZillow, data power, and the TOS traps agents ignore—plus what to do nextChapters: 0:00–0:20 Intro payoff: “Seller always loses” concept with a 20-second story.0:20–2:30 Stakes: Agents as “artists not operators,” the identity trap, and why the best deals get sold to others.2:30–6:00 Why you regret selling: Short-term cash vs long-term compounding. Sherman Oaks townhouse story to visualize opportunity cost.6:00–10:30 Systems to avoid pain: The 50 percent rule. Where to park cash so you don’t touch it. Examples with $30k commission math.10:30–16:00 Ethical agent-investor play: Expose listing to open market, then buy if you can beat the highest bid. Litigation-proof framing.16:00–22:00 Social that sells: Proof over polish, show the messy reality, why “just listed/just sold” is the death of agents.22:00–28:00 AI, authenticity, and compliance risks: Real AI means “authentic intelligence,” why claims on social can end in court.28:00–36:30 Industry power dynamics: Zillow, data control, terms-of-service risks agents ignore. Actionable next steps.36:30–41:30 Legacy play: “Buy a house for your kid” and affordability realities.Final takeaway: One-page recap: Hold more, automate savings, show proof, protect your license, buy Grandma’s house. CTA to subscribe.

High earners are not broke… they’re exposed. In this episode, Mikey Taylor and Michael Michalov break down why so many millennials and Gen Z feel trapped despite making good money and the exact playbook to escape the income treadmill. We cover the difference between income and ownership, why “spending is visible and wealth is silent,” how to buy back freedom with cash flow, and whether you should go DIY or passive in real estate. If you’re making money but feel stuck, this is your pivot point.Timestamps0:00 The millennial career crisis is real2:55 High income vs real wealth8:23 Lifestyle creep and the trap13:39 Two levers: cut or earn17:56 Status pressure and perception23:56 Gen Z’s advantage and the roadmap33:08 Saving will not set you free34:04 Passive vs active real estate41:36 Is now a good time to buildThis content is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this message is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the message will prove to be accurate or realized.Certain statements reflect projections or expectations of future financial or economic performance of the project.  Such “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct.  Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or the project’s actual performance. Past performance is not an indication of future results.This content does not constitute an offer to invest and such offer will only be made by means of an offering document that should be carefully reviewed before determining whether to invest. As with any investment there is a risk of loss, including up to the amount of investment.

Real estate investors talk about the housing crisis every day.Very few are actually building solutions.In this episode, Mikey Taylor, cofounder of Commune Capital, takes you inside a rare position. Sitting on both sides of the table. Municipal leadership and private real estate development.One night, he’s voted mayor of Thousand Oaks.The next morning, he’s on site developing housing projects designed for working Americans.This VLOG breaks down how real estate capital, zoning policy, and incentive alignment actually intersect in today’s market.If you’re a real estate investor, developer, or LP trying to understand:• Affordable housing investment strategies• 80 percent AMI housing fundamentals• How zoning reform impacts project feasibility• Why regulation alone doesn’t solve supply shortages• How removing entitlement friction attracts private capital• What scalable housing models look like in high-cost statesThis video is for you.

Most investors think they’re diversified. Today Brad Barrett explains why 7 to 10 mega-caps can dominate your “broad market” exposure and what to do before the next shock hits. We cover the simple, boring habits that actually build wealth, when to hire an advisor, how behavioral biases wreck DIY plans, and why his firm keeps zero in crypto while opening access to a private equity fund with quarterly liquidity.Brad’s background: 23 years advising through multiple cycles, host of Mindset with Brad Barrett and Pension Attention, and a partner at One Capital Management.What you’ll learn• The concentration risk sitting inside the S&P 500 and how to fix it today • A practical diversification stack including uncorrelated assets and fixed income • When a DIY approach backfires and the moments to bring in counsel • The crypto allocation rule of thumb that protects your downside • Private equity as a diversifier and how quarterly liquidity worksChapters: 0:00 Why “diversified” portfolios aren’t02:06 The 7-stock concentration problem03:31 How to build real diversification04:12 Private equity access and quarterly liquidity16:33 When a real advisor actually helps22:42 Behavioral biases that wreck returns25:08 Crypto allocation discipline and FOMO control32:45 Why boring investing wins long term35:01 Compounding vs overtrading53:59 Where to find Brad and key resources Instagram: instagram.com/mindsetwithbradbarrettFacebook: facebook.com/mindsetwithbradbarrettOne Capital: onecapital.comYoutube: https://www.youtube.com/@mindsetwithbradbarrettThe content of this video (“Video”) is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized.Certain statements may reflect projections or expectations of future financial or economic performance. Any “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct. Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or actual performance of the subject. Past performance is not an indication of future results.Certain information contained herein may be derived from third party sources and has not been independently verified. COMMUNE has not and will not independently verify this information. Where such sources include opinions and projections, such opinions and projections should be ascribed only to the applicable third party source and not to COMMUNE.

Richard Mulder went from Girl/Chocolate pro to starting at zero in real estate. No residuals. No safety net. And every January 1 felt like day one again. In this episode he lays out exactly how he survived the reset: treat real estate like a contact sport, lead with questions to build real rapport, and stop pretending this is a side hustle.Watch if you care about: real estate sales, lead generation, new agent strategy, career reinvention, identity after sports, money and stewardship.Quick wins you’ll get:• Daily outreach cadence that actually compounds• The right way to build trust fast• Good debt vs bad debt in plain English• Why “all in” beats talent when the market slowsChapters:0:00 Intro + Parenting Mirror: kids copy what you do03:15 From Skating to Real Estate: Kevin story, first steps07:51 Sales Reality: ground zero every Jan 1, planning the grind08:56 Lead Gen = Contact Sport: momentum from consistent outreach10:02 Skater Mindset Advantage: fail forward, don’t take “no” personal11:57 Who Thrives in Residential: extrovert vs introvert, emotional navigation14:06 All In, Not a Side Hustle: why dabblers wash out16:01 Rapport First: selling is questions, listening, and proving you care20:24 Faith & Identity Beyond Talent: purpose after pro life; building community31:18 Was Jesus a Socialist? The content of this video (“Video”) is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized. Certain statements may reflect projections or expectations of future financial or economic performance.  Any “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct.  Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or actual performance of the subject. Past performance is not an indication of future results. Certain information contained herein may be derived from third party sources and has not been independently verified. COMMUNE has not and will not independently verify this information. Where such sources include opinions and projections, such opinions and projections should be ascribed only to the applicable third party source and not to COMMUNE. Neither this message nor its contents should be construed as legal, tax, investment, or other advice.  Individuals are urged to consult with their own tax, legal, and investment advisers before making any investment decision.

He raised millions into an ATM fund that paid every month… until the operator went to jail and the whole thing unraveled. Bronson Hill breaks down what he missed, the hard calls he had to make to million-dollar investors, and the exact framework he now uses to protect capital and still grow. We also dive into modular homes as a fast solution after the LA fires, why rent freezes fail, and how to think about risk when the macro picture keeps shifting.Timestamps0:00 The ATM fund that went bad and what it taught us5:02 Calling investors when it’s a scam, not just “risk”7:18 The risk spectrum and why first-position debt matters12:10 Retail investor clarity: cash flow, taxes, and goals18:00 When cash flow beats a paycheck and changes everything30:10 AI used to win a $1M grant31:20 Modular homes after the fires38:45 Rent freezes vs real supply44:10 Inflation, dollar confidence, and cycles54:00 Bronson’s book and free inflation guideThe content of this video (“Video”) is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized. Certain statements may reflect projections or expectations of future financial or economic performance.  Any “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct.  Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or actual performance of the subject. Past performance is not an indication of future results. Certain information contained herein may be derived from third party sources and has not been independently verified. COMMUNE has not and will not independently verify this information. Where such sources include opinions and projections, such opinions and projections should be ascribed only to the applicable third party source and not to COMMUNE. Neither this message nor its contents should be construed as legal, tax, investment, or other advice.  Individuals are urged to consult with their own tax, legal, and investment advisers before making any investment decision.

Buying life insurance the wrong way can cost you six figures and leave your family exposed. Russell Boring breaks down term vs whole, indexed universal life, infinite banking, and “tax free retirement” inside a policy. We cover caps, floors, surrender charges, loans, and the incentives that could push bad products.Watch if you’ve been pitched: whole life, IUL, VUL, guaranteed UL, or infinite banking.Key takeaways:• Permanent can fit when income is high, plans are maxed, and you’ll actively manage the policy.• Linear illustrations hide volatility and loan risks.• Estate planning can be the best use of life insurance.Timestamps0:00 Don’t buy before you hear this3:12 Term vs whole explained simply10:45 What “indexed” really credits16:20 The illustration trap and tax bomb risk24:30 Caps, floors, moving parts that change31:50 Who infinite banking truly fits39:25 Fees, structure, and surrender charges46:10 Why insurance isn’t your financial quarterback53:30 Action plan: protect first, then consider permanentThe content of this video (“Video”) and message is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized.Certain statements reflect projections or expectations of future financial or economic performance of the project.  Such “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct.  Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or the project’s actual performance. Past performance is not an indication of future results.Neither this message nor its contents should be construed as legal, tax, investment, or other advice.  Individuals are urged to consult with their own tax, legal, and investment advisers before making any investment decision.

Affordability is the buzzword, but are the “solutions” helping you or just headlines? In this solo episode, Mikey breaks down the 50-year mortgage, portable mortgages, the difference between good and bad debt, and why most political plans miss the only fix that works, more supply. You will learn how to use leverage without losing sleep, why rent control can backfire on renters, and how renting plus investing can still build real wealth.What you will get in the first 5 minutes• The real play with a 50 vs 30, take the flexibility, prepay like a 30 if you want, keep options open.• Why 50-year loans can raise prices, expanding demand without adding supply pushes housing up.• Portable mortgages sound great, here is why lenders will not touch them in the US.Big takeaways• Good debt vs bad debt, finance assets, not consumption. Using conservative leverage to amplify returns.• Paying off a 4% mortgage can lose to better opportunities, think opportunity cost, S&P averages and strong real estate deals.• Affordability fixes can require more building, faster permitting, fewer fees, not rent freezes that choke supply.• Case study, Texas built like crazy, rents softened with concessions, tenants gained options while some investors took losses.• If you cannot buy today, rent and investing on a schedule, Gen Z may have more wealth paths than any previous generation.Timestamps0:00 Affordability, 50-year mortgages, and options02:45 Good debt vs bad debt you can actually use 08:45 Why 50-year loans can worsen affordability10:20 Portable mortgages, why the US does not offer them12:20 The only way affordability improves, more supply, fewer barriers14:50 Texas and Florida lessons for renters and investors16:20 Should you rent and invest instead of buying right now?17:33 New non-accredited $5k real estate option

Justin Brennan watched his family go from “riches to rags,” then rebuilt with cash-flow discipline, learning the hard rules of leverage, investor trust, and timing. In this episode, Justin Brennan breaks down how he moved into a model unit to push a 121-unit across the finish line, why he ate an $800,000 loss to protect investors, and how that decision unlocked an off-market 80-unit in San Diego. If you’re raising capital in 2025 or operating in the Sunbelt, this one’s a must-watch.Timestamps0:00 - The $60M wipeout that changed everything (cash flow > speculation) 13:17 - Rates spike 11 times, operator moves into the property, drives lease-up to 98%, locks Fannie Mae at 5.49% seven days before the 10-Year pops 16:10 - Why he walked from $800,000 hard to avoid risking $12M of LP capital and how that led to an off-market 80-unit in National City 25:00 - “Worst years” for REI: 2023, 2024, 2025 and the Sunbelt oversupply math vs. coastal moats 27:54 - Why California still prints wealth (if you live here and can survive the red tape) 59:25 - Where to find Justin’s playbook (YouTube: “Justin Brennan multifamily”) What You’ll LearnThe operator mindset that can rescue a value-add when debt turns against you. How saying no (even at a huge cost) can win lifelong LP trust and better deals. Sunbelt vs. Coastal: vacancies, oversupply, cap-rate reality, and why local advantage matters. Building from cash flow up: the $100K condo to multi-hundred-unit progression.#realestateinvesting #realestate #investing 

Brandon Novak went from homeless heroin addict to building sober housing and opening treatment centers without losing his skater DNA or humility. In this raw conversation, he explains why “recovery works so well you stop doing it,” how faith changed everything, and why our homelessness crisis isn’t just about the price of rent.What you’ll learnThe obsession that powers skating can destroy you or save you (and how to aim it). Why Novak says his breakthrough came on rehab #13 and what finally “took.” The role of God/Higher Power and the 12 steps in creating a true psychic change. “Money is a byproduct of solving real problems”how purpose first led him to build recovery housing and programs. Homelessness: why addiction + mental health drive the crisis more than housing alone.  Standout moments“No human power can lift the obsession” on surrender and finally getting honest. “The better my life gets, the higher the relapse risk” (and how he counters it). Skateboarding as meditation: why a slammed trick beats a $2,000 dinner for peace of mind. What he’s building nowA new licensed New Jersey outpatient facility (opened last week), plus 7 houses / 70 beds supporting clients in recovery. Need help? Brandon invites anyone struggling to reach out directly: brandonnovak.com.

Stuck in the housing gridlock but sitting on equity? The biggest opportunity in real estate right now might be behind your house, not on Zillow. In this solo episode, Mikey breaks down how ADUs (and JADUs) can unlock cash flow, boost your property value, and even in California be split and sold under AB 1033 if your city allows it.Why this matters now:Prices up ~60% since 2019, rates still above 6%, and existing sales at a 30-year low—the market is frozen for buyers and locked-in owners alike.AB 1033 can let you legally split off your backyard ADU as its own saleable property (city approval required).ADU momentum is real: permits rose ~61% (2020→2021) and ~1 in 5 new CA homes in 2023 was an ADU. Streamlined approvals, reduced setbacks, and fee breaks help.Chapters0:00 ADU Revolution + why 2026 matters2:02 AB 1033—sell your backyard ADU? (city-by-city)3:00 ADU boom stats + faster approvals4:22 The actual ROI math5:29 Financing (HELOCs, refis, construction loans)7:09 JADU garage conversion play8:45 City-level pros/cons12:28 First-timer checklist + contingencies#CaliforniaRealEstate #RealEstateInvesting #CashFlow This content is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this message is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the message will prove to be accurate or realized.

How do you go from pro skateboarder…to craft brewery founder…to private-equity real estate—and still love the game? In this solo episode, I break down the exact steps I took to reinvent (multiple times), what actually worked, and the brutal lessons that forced me to level up.Omni Fund (now open to non-accredited; $5K minimum) → https://communecapital.com/omni/ What you’ll learn (and what I wish I knew sooner):The money rule that set my compass—the 50/30/20 framework—and how I reverse-engineered my “never have to work” number to ~$2–$2.5M in investable assets. Why I cranked my lifestyle down to ~30–35% of income for years so I could invest the rest—and how that decision changed everything. The brewery story: raising early capital, the reality of selling to MillerCoors, and why we ultimately walked away (and what happened after). Reinventing into real estate: starting at square one, humbling myself, raising our first $2.5M, and learning why real estate forces discipline over “dream” returns. The operator habit that keeps our company moving: one 90-minute “work ON the business” block with our C-suite every week. Try it. Where we are now: 600–700 investors, 20+ properties, ~$352M under management—and why we opened access with Omni Fund (primarily SoCal multifamily). All content available on this video is general in nature, not directed or tailored to any particular person, and is for informational purposes only.  This video and the contents herein do not constitute, and should not be construed as, an offer to purchase securities of Commune Omni Fund, LLC (“Omni”).  Such an offer will only be made pursuant to an Offering Statement, filed with the Securities and Exchange Commission and available at Offering Statement Link (“Offering Statement”).  The offering referred to in the Offering Statement (the “Offering”) is being conducted by Omni pursuant to Tier 2 of Regulation A under the Securities Act of 1933, as amended.This message does not constitute an offer to purchase securities of Commune Omni Fund, LLC (“Omni”). Such an offer will only be made pursuant to an Offering Statement, filed with the Securities and Exchange Commission. As with any investment there is a risk of loss, including up to the amount of investment.This offering is being conducted by COMMUNE Omni Fund, LLC pursuant to Tier 2 of Regulation A under the Securities Act of 1933, as amended. The securities offered herein are being offered through Andes Capital Group, LLC, a registered broker-dealer, member FINRA/SIPC, acting as broker of record. Andes Capital Group, LLC may receive compensation in connection with this offering as disclosed in the offering statement.Past performance is not a guarantee or indicative of future results, and it should not be assumed that results of Omni or any of its investments will be achieved going forward. This communication may contain forward-looking statements that involve substantial risks and uncertainties. Actual results may differ materially from those expressed or implied in such statements, and such statements should not be relied upon as guarantees of future performance.The SEC has qualified but has not approved or passed upon the merits of the securities being offered in the Offering or the terms of the Offering. The SEC has also not passed upon the accuracy or completeness of the Offering Statement or any other offering materials.Neither this message nor its contents should be construed as legal, tax, investment, or other advice.  Individuals are urged to consult with their own tax, legal, and investment advisers before making any investment decision.

Everyone’s yelling “2026 housing crash,” but most of it is noise. In this solo episode, Mikey breaks down the actual signals and how to underwrite deals to win even if things get bumpy.Chapters0:00 Crash chatter vs. reality0:38 Jobs & claims—cooling by design? 3:40 Rates cutting cycle + credit tightness in SLOOS 5:40 Prices lag, inventory is king 7:40 Cancellations & buyer sentiment shift 9:17 Apartment rents & market differences 10:10 Delinquencies, office pain & bridge loans explained 12:22 Rates, builders, and the equity bottleneck 14:01 The stress tests Mikey runs on every deal 15:46 Why ugly markets make the best vintagesThis content is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this message is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the message will prove to be accurate or realized.Certain statements reflect projections or expectations of future financial or economic performance of the project.  Such “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct.  Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or the project’s actual performance. Past performance is not an indication of future results.This content does not constitute an offer to invest and such offer will only be made by means of an offering document that should be carefully reviewed before determining whether to invest. As with any investment there is a risk of loss, including up to the amount of investment.

You don’t need $100,000 to start—here’s a step-by-step playbook to begin with $10K in 2025.What’s inside (5 Wealth Moves):Invest in skills first. Prioritize high-income skills (sales/design/marketing), mentors, targeted events, and curated free education. Income growth is the #1 wealth tool.Leverage the “boring” compounding. Open a Roth IRA or capture employer 401(k) match. Example: $500/mo for ~30 years at a 7% average could land in the ~$610–$650K range tax-free; maxing to $7K/yr could approach ~$770K (illustrative, not guaranteed).Smart Crypto (not YOLO). Treat crypto as a developing asset class: emphasize networks closer to adoption (e.g., Bitcoin, Ethereum; with select satellites only if aligned with risk tolerance). Keep allocation responsible.House-Hack with FHA. Consider a duplex/triplex/quad with ~3.5% down; live in one unit for a year, rent the others, then convert to a cash-flowing asset. Example: $300K duplex → ~3.5% down (~$10,500), credit 580+, rents can offset a significant share of the payment.Passive Real Estate. Participate in larger deals without day-to-day management, aiming for cash flow, appreciation, and potential K-1 tax benefits. Traditional hurdles include accreditation and $25K–$50K minimums see update below for smaller checks.A new offering is open to non-accredited investors with a $5,000 minimum, a starting path into real estate. Review details & risks at the link above.👉 COMMUNE OMNI FUND DISCLAIMER:A copy of the final Offering Circular that forms a part of the Offering Statement may be obtained from: https://www.sec.gov/Archives/edgar/data/2046788/000110465925080221/tm2519245d2_ex4-1.htmThe video does not constitute an offer to purchase securities of Commune Omni Fund, LLC (“Omni”). Such an offer will only be made pursuant to an Offering Statement, filed with the Securities and Exchange Commission. As with any investment there is a risk of loss, including up to the amount of investment.This offering is being conducted by COMMUNE Omni Fund, LLC pursuant to Tier 2 of Regulation A under the Securities Act of 1933, as amended. The securities offered herein are being offered through Andes Capital Group, LLC, a registered broker-dealer, member FINRA/SIPC, acting as broker of record. Andes Capital Group, LLC may receive compensation in connection with this offering as disclosed in the offering circular.Past performance is not a guarantee or indicative of future results, and it should not be assumed that results of Omni or any of its investments will be achieved going forward. This communication may contain forward-looking statements that involve substantial risks and uncertainties. Actual results may differ materially from those expressed or implied in such statements, and such statements should not be relied upon as guarantees of future performance.The SEC has qualified but has not approved or passed upon the merits of the securities being offered in the Offering or the terms of the Offering. The SEC has also not passed upon the accuracy or completeness of the Offering Statement or any other offering materials.

In this solo episode, Mikey breaks down why cash flow is fuel, not the finish line, and how to force appreciation so your deals pencil in a high-rate world.What you’ll learn:Rates & reality: Why ~6.29% mortgages matter and how a small drop can save real dollars monthly. • Cash flow vs. appreciation: The mindset shift younger investors should consider to build wealth. • Negative leverage decoded: When a 5.5% cap vs. 6%+ debt becomes a silent deal-killer and what to do instead. • Build-to-rent advantage: Targeting ~7.5% yield-on-cost so income covers debt service. • NOI growth levers for 2025: Low-cost, high-impact upgrades (paint, LED, hardware, landscaping), ADUs/conversions, RUBS, and ancillary income (storage, reserved parking, pets). • Case study: From a duplex to a 32-unit entitlement—how forced appreciation can create value before you build. • Timing the next window: What rising cap rates + falling interest rates could mean for buying.Why this matters: You can’t control the market, but you can control your inputs design, entitlement, underwriting, and operation to drive NOI, protect cash flow, and compound your equity.The content of this video (“Video”) is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized. Certain statements reflect projections or expectations of future financial or economic performance of the project.  Such “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct.  Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or the project’s actual performance. Past performance is not an indication of future results.This Video does not constitute an offer to invest and such offer will only be made by means of a confidential offering document that should be carefully reviewed before determining whether to invest. As with any investment there is a risk of loss, including up to the amount of investment. 

Skateboarding is changing fast and Micky Papa is adapting.From scraping coins for a skate pass to paying off his mom’s mortgage at 17, this is the story of raw hustle, financial awakening, and what it really takes to build a future beyond pro skating.In this episode of Life With Mikey, we dive deep with Micky Papa on the Olympic skater, Street League finalist, and rising real estate investor. In this episode: - Why contests are replacing skate videos- How the skate industry is struggling (and who’s really making money)- Micky’s 11-year-old grind to afford skating- His powerful pivot from skateboarding to financial freedom through Airbnb investing- The mindset behind his sticker-selling eBay hustle and early money lessons

In this episode of Life With Mikey, Mikey Taylor sits down with TV Producer and Entrepreneur @dougweitzbuch1 as he pulls back the curtain on Reality TV and How he turned a real estate side hustle into @housle.house, the Wordle-style game teaching kids about property value. Doug shares:What really goes into creating a hit show (and what networks want)The surprising startup rules that apply to making TVWhy casting is everything and how to find breakout charactersAnd what creators, investors, and dreamers MUST understand about modern mediaWhether you're building a brand, pitching a show, or just obsessed with real estate this conversation is packed with insider gems, viral-worthy stories, and real-world business lessons.

Is the American Dream officially dead? In this explosive conversation, Mikey, Michael, and Taylor Avakian unpack the brutal truth about today’s housing market and why Gen Z may never own a home unless something changes.Inside this episode:The shocking reason homeownership is almost impossible for younger generationsWhy renting often makes more sense than buying in 2025The “lock-in effect” keeping homes off the market foreverCalifornia’s broken housing system and why investors still love itHow AI landlords & blockchain real estate could transform everythingThe wealth-building strategy that the richest families never tell you aboutThis isn’t just about real estate it’s about the future of money, investing, and freedom.

Skyscraper for less than a PlayStation? In this episode, Mikey breaks down how real estate is getting tokenized and what it actually is, how $50 buy-ins and weekly rent can work, and the traps to avoid if you’re new to on-chain assets.What’ you’ll learn: Simple, non-tech explainer of blockchain (shared ledger) and NFTs as digital titles/receipts—not meme JPEGs.Fractional ownership: Tiny entry points, rental payouts (often in stablecoins), and how secondary markets enable exits.Real example: A tokenized single-family deal where dozens of everyday investors bought in and get rent distributions.Why it’s getting big: Governments experimenting with records on-chain + major asset managers moving to tokenize traditional assets.Before you ape in: Regulations & accreditation rules, liquidity isn’t guaranteed, smart-contract/hack risk, and leverage mistakes that wipe people out.Chapters0:00 The “skyscraper for a PlayStation” hook—why this matters1:55 Tokenization 101: blockchain & NFTs as titles4:05 Fractional ownership: $50 entries & rent payouts9:07 Real-world moves: public records on-chain, big money goes digital15:29 Risks & guardrails: regulation, liquidity, hacks, leverage