Dream Start Own Podcast - The Path to Own Your Time

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with lender, builder, and fund manager Julian Rizov of DealFunding360 to break down DSCR loans, hard money, construction financing, and how to avoid paying for money you can’t actually use.Julian shares how he went from doing 250+ fix and flips to building new construction in Atlanta, creating co-living, Airbnb, and midterm rentals, and launching a $3M equity fund that lets investors participate in multiple ground-up and value-add projects—without swinging a hammer.You’ll learn:How DSCR loans really work for rentals, co-living, and STRsThe credit score thresholds (660, 700+) that change your rates, leverage, and termsWhen and how to convert a DSCR / investor loan into a primary residence conventional loanWhy Julian says “Don’t pay for what you can’t use” on construction loansNon-Dutch vs Dutch interest (and how the wrong structure can kill your profit)How to structure partnerships and operating agreements so low-credit partners don’t tank your loanWhy he prefers buying land in cash or private money, then stacking a construction loanHow his fund blends institutional capital with investor money for higher cash-on-cash returnsConnect with Julian:Deals & land leads: deals@jvpv.comFund info: julian@dealfunding360.comConnect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnectorFollow Dream Start Own, rate this episode, and share it with investors, builders, and private lenders who want smarter DSCR loans, better construction terms, and safer returns on their capital.Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnector► Join The Subto Community for Life & Learn Creative Finance from @PaceMorbyhttps://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated.

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with capital raiser and entrepreneur Colin Yeap to break down how he went from a pharmaceutical W2 to owning laundromats, running a landscaping company, and building a thriving capital-raising/connecting business—all by walking into the rooms everyone else avoided. Colin explains how he started as a private lender through Gator, ran out of his own money, and then built a connector business that now structures deals, underwrites projects, and helps investors safely lend on fix and flips, buy-and-holds, EMD, and double closes across multiple markets. He also shares how he partnered with Subto and Owners Club members to buy and renovate laundromats in New Hampshire and Massachusetts and raise funds for new acquisitions. You’ll learn:The difference between a simple “referral” and a true capital-raising connectorColin’s lending checklist: title, insurance, LLC status, background checks, multiple exit strategies, and JV agreementsHow he protects lenders with notes, deeds of trust/mortgages, lender’s title policies, PGs, and ongoing communicationHow he uses a CRM and daily networking to talk to 3–5 new people a day and build a 400+ person lender/buyer listHow he got into laundromats with partner Benjamin Huang and is now renovating, expanding, and adding commercial accountsWays new lenders can deploy cash, 401k, or self-directed retirement funds into real estate-backed dealsMindset lessons from losing money on a deal, learning from mistakes, and refusing to quit on entrepreneurship Colin also talks about balancing his W2 as a pharmaceutical quality director with being COO of multiple businesses, why communication is everything when things go wrong, and how getting into the right rooms (Subto, Gator, Owners Club, local meetups) can completely change your financial future. Connect with Colin:Instagram: @colinyeapFacebook: Colin YeapFollow Dream Start Own, rate this episode, and share it with someone who wants to become a connector, lend safely, or buy boring cash-flow businesses like laundromats to build real wealth beyond a W2.✨ Every click helps us grow this community.💤Sleep better, dream bigger! 👉 Eight Sleep https://refer.eight.sl/edgardsalgado ✨🔌 PLUG IN & SUBSCRIBE 🔌📸 Instagram: / @edgartheconnector🎵 TikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby👉 https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People’s Deals with the Gator Method👉 https://join.nre.ai/mQBDJK5► Get the tools I use for productivity👉 https://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with recruiter, AI strategist, and investor April Elias to unpack how she’s using creative finance, international real estate in Portugal, and AI to build freedom—without walking away from a W2 she actually loves.April shares the story of their subject-to hybrid deal on Portugal’s “California of Europe,” how she and her brother are building on ocean-view lots near Lisbon, and why she’s planning investor scouting trips and workshops there in 2026. She also breaks down her fix-and-flip business across Delaware, New Jersey, Pennsylvania, and Maryland, including a luxury log cabin flip with Pace Morby that turned into a triple-digit profit.You’ll learn:How April structured a subject-to + seller-finance hybrid deal in PortugalWhat it really takes for Americans to bank, build, and invest overseasWhy she still keeps her W2 as a headhunter for AI/data talentPractical ways ANYONE can use ChatGPT and AI daily (even just from your phone)Her framework for focus: “Pick one or they all die”How she runs flips with family, partners, and private lendersHer Mount Everest: helping business owners not get left behind by AIConnect with April:Instagram: @aprilas.com✨ ⚡ Every click fuels the dream. 🌙 Sleep better, dream bigger! ✨Affiliate link: Eight Sleep https://refer.eight.sl/edgardsalgado  🌙✨🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community fot Life & Learn Creative Finance from ⁨@PaceMorby⁩ ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with co-living investor and Subto Semesters instructor Dustin Geroski to unpack the “secret sauce” behind his high-performing rent-by-the-room portfolio, 10-bed co-living new builds in Houston, and how he’s raised over $2M through fractional partnerships. Dustin shares how he went from wholesaling and a few co-living projects to building a full team with an operations manager, project manager, funding liaison, CFO, and overseas marketing support—all focused on Padsplit-style co-living in markets like Houston, Tampa, Orlando, Atlanta, and more. He breaks down how his Mount Everest evolved from helping 1,000 people find affordable housing to helping 10,000 investors buy their first co-living deal. You’ll learn:How Dustin structures 10-bed/10-bath new-build co-living deals in HoustonWhy Padsplit is his primary platform for filling rooms and what markets he targetsHow fractional partnerships work, why investors are considered “active,” and what they actually doThe Tuesday public office hours where anyone can bring deals to underwrite, and the private Thursday investor mastermindsHow he built his team (operations, project management, capital, bookkeeping, marketing) so he can focus on vision and dealsWhy getting around people doing what you want to do is the fastest way into real estate and entrepreneurshipConnect with Dustin:Website & all links: buydealswithdustin.com Follow Dream Start Own, rate this episode, and share it with someone curious about co-living, Padsplit, or partnering on fractional deals to create more affordable housing and cash-flowing assets.Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorbyhttps://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. This content is for entertainment purposes ONLY. Verify all information yourself.

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Peter Roisman, co-founding principal and CEO of REV, a multifamily leasing company that’s trained hundreds of leasing pros and created the REV Leasing University and REV Leasing Score to help owners fill vacancies and boost NOI. Peter shares how he went from law and sports business to medical real estate development and then into multifamily, where he saw a massive gap in leasing talent, training, and accountability. He explains how REV’s mystery shops, scoring system, and online courses give owners a clear picture of how well their teams perform at the “tip of the spear” and how even small improvements in leasing execution can translate into meaningful revenue growth and higher property values.You’ll learn:Why leasing is the most under-appreciated but revenue-critical role in multifamilyHow REV’s Leasing Score and mystery shops reveal gaps in property, process, and peopleHow better leasing performance can drive revenue more than simple cost-cuttingWhy many properties sit under 85% occupancy and how to get from “stuck” to stabilizedHow to use leasing assessments as a buyer or seller to uncover hidden upside in dealsThe career-path problem for leasing agents—and how treating leasing as a true profession changes everythingHow AI will support (not replace) leasing teams and where Peter is already using itLeadership lessons on failing forward, listening to clients, and striving for excellence, not just “good enough”Connect with Peter & REV Leasing:Website & demo request: rev-leasing.comSleep better, dream bigger! Affiliate link: Eight Sleep https://refer.eight.sl/edgardsalgado Follow Dream Start Own, rate this episode, and share it with investors, operators, and leasing teams who want to turn underperforming apartments into stabilized, cash-flowing assets.🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community fot Life & Learn Creative Finance from ⁨@PaceMorby⁩ https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with investor and builder Rayce Barnes to break down how he scaled from renting out spare rooms in his own home to running multiple high-performing Airbnb units, adding hot tubs and arcades, and even building new construction duplexes for short-term rentals in Central Washington. Rayce shares how he started hosting in 2016, why he prefers short-term rentals over long-term tenants, and how he turned tenant damage and maintenance headaches into better systems, higher nightly rates, and a separate cleaning company that supports his STR portfolio. He explains how he uses dynamic pricing tools like PriceLabs, smart locks, automated messaging, lighting, and sound to deliver a great guest experience while running everything in about 10–15 minutes a day. You’ll learn:How Rayce house hacked with Airbnb rooms and then scaled into multiple STR unitsWhat really happens with hot tubs, game rooms, and other amenities—and how to price themSystems for cleaners, early/late check-in, and protecting your property from guest damageHow dynamic pricing and occupancy work together to maximize STR revenueThe pros and cons of Airbnb vs VRBO, and using Airbnb for rent-by-the-roomHow Rayce is now expanding into co-living markets like Houston, Vegas, Phoenix, and TampaHis “Mount Everest”: helping 1,000 contractors become owners through equity in new-build projects Rayce also talks about being the visionary while his wife is the integrator, why action beats perfection, and how communities like Subto, Gator, and other real estate masterminds helped him level up faster with short-term rentals, co-living, and new construction. Connect with Rayce:Website: RayceBarnes.comInstagram: @RayceBarnesFacebook: Rayce BarnesIf you’re an aspiring Airbnb host, a busy investor, a contractor who wants to become an owner, or someone curious about co-living and STR systems, this episode will give you practical ideas you can start using right away.► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

In this episode of the Dream Start Own podcast, Edgar “The Connector” sits down with married investing duo Linda and Connor Holtz of M2RE (Married to Real Estate) to unpack how they scaled from a Chicago house hack during COVID to syndicating 100+ unit multifamily deals across the Texas Triangle and beyond. They share how property management in Chicago, an FHA 203k house hack, and a big move to landlord-friendly Houston laid the foundation for their multifamily journey—plus why their motto “aggressive but selective” guides every partnership and deal they touch. You’ll learn:How their first house hack, FHA 203k renovation, and sale set them up to scale fasterWhy they went passive first in a 65-unit deal to learn from the inside before becoming GPsWhat “aggressive but selective” looks like in real underwriting, partnerships, and red flagsHow they choose markets using the “path of progress” (jobs, population growth, Chick-fil-A, H-E-B & Amazon effect)The difference between C- to B-class value-add, newer B+/A- assets, and why they like 80s+ construction and 60+ unitsHow tax benefits and cost segregation work for multifamily investors (with real examples and caveats like recapture)Why networking, masterminds, and communities like Subto/Owners Club changed their deal flow and confidenceHow they’re expanding into “unsexy” cash-flow businesses like car washes and thinking about future international investing in EuropeLinda and Connor also talk about their educational brand “Holtz the Door,” their judgment-free Q&A webinars, and why getting out of your comfort zone, finding mentors, and staying teachable are the real cheat codes in real estate and entrepreneurship. Connect with Linda & Connor (M2RE – Married to Real Estate):Website: married2realestate.comLinkedIn: Linda HoltzSocials, email & meetup info: linked through their website Follow the show, rate this episode, and share it with someone who wants to scale from single family to multifamily, invest passively, or break into syndications through the power of relationships and networking.

In this episode of the Dream Start Own podcast, Edgar “The Connector” sits down with construction expert and investor Jim Vani (“Jim Vani Builds”) to break down how he blends 15+ years of construction experience with creative real estate to build fix and flips, ground-up developments, and affordable housing projects across the country. Jim shares how he went from growing up on job sites with his dad to running his own construction company, partnering with investors on multifamily and mixed-use projects, and becoming a Subto “Semesters” instructor teaching Fix & Flip and Construction Mastery 101 inside Pace Morby’s community.You’ll hear:How to use construction as a lever on any real estate dealThe biggest mistakes investors make on fix and flips (and how to avoid losing money)How Jim partners with investors nationwide as a construction-focused partner and “owner’s rep plus”Why markets like Chicago, Austin, and Phoenix are key hubs for his projectsHow FHA 203k rehab loans can help first-time buyers house hack multi-unitsJim’s Mount Everest: creating affordable housing and co-living options for lower-income families and those in needPractical advice for starting a side hustle, knowing if you’re truly built to be “your own boss,” and when to leave (or keep) your W2If you’re a real estate investor, aspiring flipper, project manager, or someone intimidated by construction risk, this episode will show you how the right systems, team, and mindset can turn construction from your biggest fear into your biggest advantage.Connect with Jim:Instagram: @JimVaniBuildsFacebook & YouTube: Jim Vani BuildsConnect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnectorFollow the show, rate this episode, and share it with someone who wants to scale into bigger projects, safer flips, and impact-driven housing.

In this episode of the Dream Start Own podcast, Edgar “The Connector” sits down with capital raiser and mortgage veteran Joshua Sun to break down how he helps families in foreclosure, rescues investors from bad deals, and channels real estate profits into orphan care, anti-trafficking, and housing for domestic violence survivors. Joshua shares how he went from 20 years in mortgage to becoming a full-time capital raiser, raising $550,000 in 3 days to save a single mom of five from losing her home to a predatory lender—and how his team now partners with investors to create strong returns while doing deeply meaningful work.You’ll hear:How Joshua structures foreclosure rescue deals and raises private money fastHow he uses content and social media to build trust with investors at scaleWhy “trust but verify” is critical to avoiding bad partners and bad dealsHow the weekly “Bad Deal Chat” helps investors unwind bad deals and recover capitalThe power of communities like Subto, Gator, and Owners Club for deal flow and fundingHow Joshua ties each foreclosure deal to rescuing children from traffickingThe orphanage work in Mexico: new beds, education, AI-powered learning, and long-term visionHope Haven Partners: multifamily projects to house survivors of domestic violenceIf you’re a private money lender (or want to become one), an investor stuck in a bad deal, or someone who wants to use real estate and business to fund Kingdom-level impact, this episode will show you what’s possible when you align profit with purpose.Connect with Joshua:Instagram: @JoshuaSun26YouTube: @JoshuaSun26 (capital raising, content & productivity classes)Bad Deal Chat & orphanage support: DM Joshua on Instagram for links and detailsFollow the show and rate this episode if it helped you think bigger about how to serve others through business, capital raising, and creative real estate. Every share helps expand the impact.🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

In this solo episode of the Dream Start Podcast, Edgar "The Connector" Salgado shares how he's building a mission-driven real estate portfolio focused on impact first: affordable housing through rent-by-the-room, sober living communities, veteran housing, and solutions for young adults aging out of foster care.Edgar opens up about growing up as a first-generation American, his early entrepreneurial hustle, and how mentorship from Pace Morby and the Subto community helped him scale from one house hack to multiple impact properties, including sober living homes in Texas and Tennessee, an Airbnb that covers his mom's cost of living, and a fourplex that serves veterans.You'll hear:How rent-by-the-room, Padsplit-style co-living, and Airbnb can create both cash flow and affordable optionsWhy sober living and veteran housing are more than "strategies" – they're lifelinesThe story of Edgar's brother, a fallen Marine, and why serving veterans is deeply personalHow private money lenders can earn returns while backing mission-driven projectsWhy "Who Not How" and finding the right partners is the ultimate shortcut in real estate and entrepreneurshipIf you're a private money lender (or want to become one), an entrepreneur, an executive assistant/integrator, wholesaler, or even a bird dog who wants to help find deals, this episode is your invitation to plug into the mission of creating 40,000 affordable beds and changing lives one room at a time.Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnectorLinkedIn: Edgar SalgadoFollow the show, rate this episode, and share it with someone who cares about affordable housing, impact investing, or creative real estate. Every listen and share helps expand the mission.

What if you could quit your corporate job and build a business that makes money while you sleep? 💰In this inspiring episode of Dream Start Own, host Edgar “The Connector” Salgado sits down with Neil Twa, founder of Voltage Digital Marketing (voltagedm.com) — a visionary entrepreneur who went from IBM executive to building multi-million dollar Amazon brands.Neil reveals how he built over a dozen successful Amazon FBA businesses, created systems to automate income, and now helps others do the same — while giving back through veteran-focused initiatives with Patriot Growth Capital.🚀 Learn how to:Build a real brand (not a side hustle)Find profitable Amazon FBA products with dataUse AI for smarter e-commerce decisionsAvoid costly mistakes that kill new sellersBalance faith, family, finances, and freedomHelp veterans through entrepreneurship📲 Connect with Neil Twa:🌐 voltagedm.com📸 Instagram: @neiltwa📘 Facebook: @neiltwa► YouTube: youtube.com/@neiltwavoltage⏱ CHAPTERS:00:00 - Preview01:00 - Leaving Corporate to Build Freedom02:00 - What Is Amazon Private Label?04:00 - Building Real Brands vs Side Hustles06:00 - How Neil Created His First 7-Figure Business08:30 - The Green Light Process Explained12:00 - Lessons from Failure & Reinvention15:00 - How to Choose Profitable Products18:00 - AI, Automation & Scaling with Data22:00 - The 5x5 Launch Strategy26:00 - Common Amazon Myths Busted30:00 - Capitalizing on Market Gaps & Tariff Shifts33:00 - How to Start with $25K or Less37:00 - From Startup to 7-Figure Brand40:00 - Employing Veterans Through Patriot Growth Capital45:00 - Lessons on Leadership, Teamwork & Faith50:00 - Freedom, Family, and Failing Forward01:13:01 - Advice01:15:30 - Find Me Here👉 Don’t forget to 👍like, 💬comment, 🔔subscribe, and share if Neil’s story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: /@edgartheconnectorTikTok: /@edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial, or other advice and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

Discover how Michelle and Vin built a purpose-driven real estate lending empire while helping families, veterans, and foster youth find housing through creative finance. In this inspiring episode of Dream Start Own, host Edgar the Connector dives deep into how this San Antonio power couple scaled their business, mastered capital raising, and created impact-driven co-living communities — all without W2 jobs.💡 Learn about:The shift from investor to private lenderHow to raise capital with confidence and purposeBuilding legacy through impact lendingMastering mid-term rentals & co-livingHow masterminds and mentorship changed everything📲 Connect with Michelle and Vin: michelleandvin.com📸 Instagram: @mystoryvin | @mystorymichelle📘 Facebook: @mimi.gal.56🎥 YouTube: youtube.com/@mystorymichelleCHAPTERS:00:00 - Preview01:12 - How Michelle & Vin Met03:40 - Starting in Real Estate & Lessons Learned06:10 - Leveraging Other People’s Money (OPM)10:00 - The Power of Masterminds13:20 - Raising $500K in 10 Days17:00 - How the Amigos Club Works20:00 - Creating Impact Through Lending24:00 - Finding Purpose Beyond Profit27:00 - From GC to Investor31:00 - Lessons from Building a Legacy34:00 - Mid-Term Rentals & Co-Living Strategies39:00 - How to Price Midterm Rentals45:00 - Networking & Relationship Building49:00 - Joining Owners Club & Subto53:00 - Scaling with Purpose1:02:00 - Building a Team & Hiring VAs1:07:00 - Using Loom & Systems for Efficiency1:15:00 - The “My Story” Brand Origin1:18:00 - Work With Me1:21:00 - Advice for Entrepreneurs1:40:00 - Final Thoughts📲 Connect with Michelle and Vin: michelleandvin.com📸 Instagram: @mystoryvin & @mystorymichelle📘 Facebook: @mimi.gal.56► YouTube: www.youtube.com/@mystorymichelle👉 Don’t forget to👍like, 💬comment, 🔔subscribe, and share if Michelle and Vin's story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: /@edgartheconnectorTikTok: /@edgarsrei► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩ ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or otherwise and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

What does it mean to serve twice — first in the U.S. Air Force, and then by helping veterans find homes?In this inspiring episode of Dream Start Own, host Edgar “The Connector” Salgado sits down with Julie Kolat — veteran, real-estate investor, and founder of Vets For Us, a nonprofit devoted to affordable housing and preserving the memories of those who served.Julie opens up about her journey of faith, service, and resilience after the loss of her husband Matthew, how she turned pain into purpose, and why helping one veteran find stability can change a life forever.What you’ll learn:How Julie went from Air Force Intelligence Officer to investor & community leaderThe story behind Vets For Us — keeping veterans’ memories alive and housedWhy Houston and Florida are key to her veteran-housing missionHow co-living and efficiency housing help homeless vets rebuildHow to partner as a Private Money Lender (PML) or Private Money Partner (PMP)Building community through faith, service and entrepreneurshipThe story behind her book Never Got to Say Goodbye and its message of healing⏱ CHAPTERS00:00 – Preview00:40 – Julie’s Air Force beginnings02:00 – Family life & service journey04:00 – Overcoming loss & rediscovering purpose06:13 – Find Me07:00 – Founding Vets For Us10:30 – First housing project for veterans14:00 – Affordable housing mission18:00 – Building community through faith21:30 – Co-living & local impact26:00 – Partnering with lenders (PMLs & PMPs)30:00 – Why invest with purpose35:03 – Work With Me36:00 – Writing Never Got to Say Goodbye45:00 – Women in real estate leadership50:00 – Legacy, healing & veteran advocacy55:17 – Advice📲 Connect with Julie Kolat:📸 instagram.com/julie.kolat📘 facebook.com/julie.kolat► YouTube.com/@juliekolat👉 Don’t forget to 👍 like, 💬 comment, 🔔 subscribe, and share if Julie’s story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: /@edgartheconnectorTikTok: /@edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, or financial advice and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

How do you go from saving lives in the OR to building a 7-property real estate portfolio? 💥In this Dream Start Own episode, host Edgar “The Connector” Salgado sits down with Matei Chelbegean, a nurse anesthesiologist turned real estate investor, who’s mastered the balance between a full-time medical career and building long-term wealth through Subto creative finance, mid-term rentals, and co-living properties.Matei shares how he went from being a W-2 employee to a 1099 entrepreneur, using his income to fund assets, create depreciation advantages, and ultimately design a path toward financial freedom and impact — all while running “House Money with Matei,” his YouTube show teaching borrowers how to talk to private lenders.What you’ll learn:How Matei went from healthcare to owning 7 properties in 2 yearsWhy Subto creative finance changed his investing gameManaging mid-term rentals (MTR) and co-living for consistent cash flowHow to balance a full-time W-2/1099 job with real estate growthThe truth about depreciation, taxes, and cash flow strategiesBuilding teams, finding managers, and scaling responsiblyMatei’s “Mount Everest” — replacing income to fund global medical aid missions⏱ Chapters00:00 - Preview01:00 - From Romania to Fresno: first-generation journey02:05 - Nursing, anesthesia & 1099 independence04:00 - W-2 vs 1099: the tax advantage mindset06:00 - Early money lessons & family expectations10:00 - Work-life balance with his wife (also in healthcare)13:00 - Love story & med school grind17:00 - First Subto deal gone wrong (turned right)22:00 - Depreciation, taxes & how real estate saves income25:00 - The California strategy: buy & hold for appreciation28:00 - Shifting into mid-term rentals & MTR management35:00 - Finding the right “who” for your deals40:00 - Expanding to Ohio, Michigan & Kentucky co-living45:00 - Building AI systems for property management50:00 - Giving back: surgical missions & global impact52:00 - Work With Me52:59 - Find Me📲 Connect with Matei Chelbegean:📸 instagram.com/matei.chelbegean► youtube.com/@HouseMoneyWithMatei👉 Don’t forget to 👍like, 💬comment, 🔔subscribe, and share if Matei's story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from Pace ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, or financial advice and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

From making churros and selling cars to running a 10-year e-commerce and marketing agency, Will Castillo has built multiple businesses by mastering systems, automation, and clarity.In this episode of Dream Start Own, host Edgar “The Connector” Salgado dives into Will’s journey—from fraternity life and early marketing to building funnels, leading AI automation projects, and helping entrepreneurs gain clarity in their business messaging.What you’ll learn:How Will went from selling churros to building an e-commerce agencyThe power of funnels for real estate, e-commerce, and personal brandingUsing AI automation tools (Gemini, ChatGPT, Manis) to scale productivityHow to simplify your systems and messaging for business growthWhy collaboration beats competition in today’s business worldInsights from the Owners Club, AI community, and system builders like Heather & Jamie00:00 – Preview01:00 – Meet Will Castillo: From churros to entrepreneurship03:00 – Running a 10-year e-commerce ads agency05:30 – Funnels explained: turning traffic into action07:00 – Social media traffic and automation strategies09:00 – Helping entrepreneurs gain business clarity11:00 – The Owners Club & collaborative community13:00 – How Will discovered real estate and Subto15:00 – Lessons from W-2 life and early failures18:00 – Will’s “Mount Everest” — helping 10 000 investors scale20:00 – Partnerships, networking, and collaboration24:00 – AI tools: Gemini vs ChatGPT vs Manis27:00 – E-commerce, Shopify, and digital funnels30:00 – Platforms for scaling – Clavio, WooCommerce, FBA34:00 – Building systems that actually save time40:00 – AI community & learning curve45:14 – Find Me46:04 – Work With Me📲 Connect with Will Castillo:📸 instagram.com/itswillcastillo📘 facebook.com/wcasthEight Sleep – https://refer.eight.sl/edgardsalgado2👉 Don’t forget to 👍 like, 💬 comment, 🔔 subscribe, and share if Will’s story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: /@edgartheconnectorTikTok: /@edgarsrei► Join The Subto Community for Life & Learn Creative Finance from Pace ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, or financial advice and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

What happens when the fix-and-flip market slows down — but your cash flow skyrockets instead?In this episode of Dream Start Own, host Edgar “The Connector” Salgado sits down with Johnny Gaona, a Houston-based investor who turned tough lessons from 2024’s brutal flip market into massive returns through co-living and PadSplit strategies.Johnny shares how he pivoted from short-term flips to long-term impact, helping people find affordable housing while generating consistent cash flow.You’ll learn:How Johnny scaled from lending to flipping and into co-living investingThe reality of flipping homes in 2024’s toughest marketWhy DSCR loans can delay co-living success (and how to navigate them)Turning single-family homes into 6+ bedroom co-living cash machinesHow to screen PadSplit tenants and reduce short-term staysThe power of private money, mindset, and mentorship from the Subto communityJohnny’s mission to help 1,000 people find affordable housing through co-livingIf you’ve ever wanted to pivot from flipping to cash-flowing, impact-driven real estate — this episode is a masterclass in how to do it right.⏱ Chapters00:00 - Preview01:00 - Meet Johnny Gaona: Houston investor & flipper03:00 - Surviving 2024’s toughest fix-and-flip market06:00 - Lessons from first 3 flips & learning to pivot09:00 - DSCR loans & co-living explained10:30 - PadSplit success story: 6 rooms rented in weeks13:00 - Screening tenants & avoiding short-term guests14:30 - New strategy: hold vs. sell in a changing market17:00 - Balancing W-2 life & investing full time20:00 - Building a legacy & family motivation21:00 - Private money & expanding through partnerships23:00 - Co-living as a mission — helping 1,000 people26:00 - Working with the city & helping special groups28:00 - Collaboration > competition in real estate30:00 - Accountability, community & learning through Subto31:00 - Advice for new investors: ask “Who,” not “How”34:00 - Final words of wisdom from Johnny47:02 - Where To Find Me01:18:10 - Advice01:21:41 - Work With Me📲 Connect with Johnny Gaona📸 Instagram: @jhny.gaona📘 Facebook: Johnny GaonaProducts mentioned - Affiliate link:Eight Sleep - https://refer.eight.sl/edgardsalgado2👉 Don’t forget to 👍 like, 💬 comment, 🔔 subscribe, share and hit the notification bell if Johnny’s story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from Pace ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, or financial advice and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.

🎙️ From College Dropout to 300 Units: Austin Whitehead’s Real Estate Scaling BlueprintIn this insightful episode of the Dream, Start, Own Podcast, host Edgar "The Connector" interviews Austin Whitehead, aa remarkable real estate entrepreneur who went from being a college dropout to owning and managing nearly 300 rental units.Austin shares his journey of building a thriving property management business from the ground up, emphasizing smart scaling, strategic hiring, and the power of networking.This conversation is filled with practical advice for new investors, seasoned entrepreneurs, and anyone aiming to scale a real estate portfolio. Topics include:Scaling Strategies – Growing from one property to hundreds with efficient processes and smart growthTenant Retention & Rent Increases – Using small, consistent rent adjustments to maintain profitability and tenant satisfactionRobust Lease Agreements – Crafting leases that anticipate and prevent common issuesThe Value of Community – Leveraging networks like Owners Club for mentorship and opportunityReal Estate License vs. Business Acumen – Why understanding the business side is criticalSocial Impact – Partnering with nonprofits to provide housing for individuals with disabilitiesAdvice for Young Entrepreneurs – Taking calculated risks early in your journeyWhether you’re starting out or refining your property management systems, Austin’s insights are a roadmap for long-term success in real estate.📌 CHAPTERS0:00 - Introduction to Austin Whitehead & His Journey1:05 - The Genesis of a Property Management Business3:15 - Scaling Strategies: From Single Property to 300 Units5:40 - The Philosophy of Incremental Rent Increases8:00 - Crafting an Ironclad Lease Agreement10:25 - The Power of Networking: Inside the Owners Club13:00 - Real Estate Investing: License vs. Business Acumen15:30 - Passion for Social Impact: Housing for Individuals with Disabilities18:00 - Advice for Young Entrepreneurs: Embracing Calculated Risks20:45 - Proactive Property Management in a Dynamic Market23:10 - Building Lasting Relationships in Real Estate25:35 - Overcoming Challenges in Property Management28:00 - The Importance of Due Diligence in Acquisitions30:25 - Expanding Beyond Single-Family Homes32:50 - Team Building and Delegation for Growth35:15 - Financial Management and Profit Optimization37:40 - Navigating Legal Aspects of Property Ownership40:05 - The Future of Property Management42:30 - Leveraging Technology for Efficiency44:55 - Maintaining Tenant Satisfaction and Retention47:20 - The Role of Mentorship in Real Estate49:45 - Long-Term Vision and Legacy Building52:10 - Q&A and Audience Engagement54:35 - Final Thoughts and Key Takeaways54:54 - Where to Find Austin55:12 - Work With Me56:00 - Conclusion and Call to Action58:18 - Austin's Advice📲 Connect with Austin Whitehead:🌐 whiteheadre.com📸 instagram.com/austinwhiteheadre📘 facebook.com/WhiteheadRE📲 Connect with Edgar "The Connector":📸 Instagram: @edgartheconnector🎵 TikTok: @edgarsrei► Get the tools I use for productivity:https://linktr.ee/EdgartheConnector🔌 PLUG IN & LEARN► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Method:https://join.nre.ai/mQBDJK5🚧 DISCLAIMER 🚧We are not CPAs, attorneys, insurance agents, contractors, lenders, or financial advisors. This video is for entertainment purposes only and should not be construed as tax, legal, insurance, construction, engineering, safety, electrical, or financial advice. Always do your own due diligence.

🎙️ From Homeless to Housing Hero: Tracy Koa’s Journey to Building Wealth & Impact Through Co-LivingIn this deeply inspiring episode of the Dream, Start, Own Podcast, host Edgar "The Connector" interviews Tracy Koa, a remarkable entrepreneur whose journey from homelessness to real estate powerhouse exemplifies the power of resilience, strategic team building, and purpose-driven investing.Tracy’s mission goes beyond profit—her affordable co-living solutions are transforming lives by providing safe, sustainable housing for those who need it most. Alongside her partner Dustin and team member Kaipo, Tracy shares how their team—formed through Owners Club—has scaled their business by building specialized roles and launching new construction projects in Houston, Texas.You'll hear how Tracy overcame early adversity, including leaving home at 15 and losing her home in a wildfire, to become a full-time entrepreneur. This conversation is packed with practical insights and inspirational takeaways on:Building high-performing real estate teamsLeveraging Subto creative financing strategiesDeveloping new construction co-living communitiesCreating partnership opportunities for long-term successTurning personal adversity into business fuel💡 Whether you're:Exploring co-living or affordable housing modelsBuilding a real estate teamOr overcoming adversity to start your business journeyTracy’s story delivers powerful lessons and strategies you can apply immediately.📌 CHAPTERS00:00 - Introduction: Tracy Koa’s Journey to Real Estate Powerhouse02:15 - From Homelessness to Housing Solutions: Tracy’s Motivation05:00 - The Co-Living Business Model: Creating Partnership Opportunities08:30 - Building the Core Team: Dustin, Kaipo, and Owners Club12:00 - Expanding the Team: Operators, Asset Managers, Project Managers15:45 - The Power of Collaboration: Why You Can’t Do It Alone19:20 - Focus on New Construction Co-Living in Houston, Texas23:00 - Tracy’s Personal Story: Leaving Home at 15 & Becoming a Teacher27:45 - Pivotal Moment: Wildfire and Full-Time Entrepreneurship32:10 - Advice for Aspiring Entrepreneurs: Focus and Action33:26 - Find Me36:00 - Overcoming Fear and Taking Imperfect Action40:15 - Free Resources: colivingsemesters.com and Social Media44:00 - Conclusion: Building Wealth and Impact Through Co-Living46:13 - My Advice48:55 - Work With Me📲 Connect with Tracy Koa:🌐 Website: colivingsemesters.com🌐 Portfolio: tracykoa.com📸 Instagram: @tracykoa🎥 YouTube: @tracykoa🎧 Subscribe to the Dream, Start, Own Podcast for more conversations with entrepreneurs who are building wealth while making a positive impact.👉 Like, 💬 comment, 🔔 subscribe, and share if Tracy's story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌📸 Instagram: @edgartheconnector🎵 TikTok: @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby Morby:https://join.nre.ai/mQ9T9vZ► Learn the Gator Method: Make Money on Other People's Dealshttps://join.nre.ai/mQBDJK5► Get My Productivity Toolshttps://linktr.ee/EdgartheConnector🚧 DISCLAIMER 🚧We are not CPAs, attorneys, financial advisors, lenders, or contractors. The content shared in these videos is for entertainment and educational purposes only and should not be considered legal, tax, financial, or construction advice. Always do your own due diligence and consult licensed professionals.

🎙️Learn how to get 100% funding for fix & flips, rentals, and new construction with creative lending strategies from hard & private money lender Edgar Vargas.In this episode, you’ll discover the key differences between hard money and private money, how to qualify, and insider tips to secure the best terms.Whether you’re a new investor or looking to scale your portfolio, this is your roadmap to financing any real estate deal.This conversation is a must-watch for investors who want to master creative lending and learn how to secure 100% funding for their real estate projects. Edgar shares his personal journey, including how he bounced back from a failed deal and turned it into a powerful learning experience that fueled his success today.You’ll discover:The key differences between hard money and private moneyHow to finance fix & flips, DSCR loans, and new construction projectsInsider tips on interest rates, lending requirements, and building lender relationshipsWhether you’re a new investor or a seasoned pro looking to scale, Edgar’s roadmap to creative financing will help you overcome funding obstacles and unlock new opportunities.📌 CHAPTERS00:00 Intro & mission (affordable housing + manufactured homes)00:40 Host/guest intros02:02 Finding Subto (Cody Sánchez → Pace Morby)04:21 First creative deal → pivot → assignment08:55 From wholesaling to lending (fix & flip, DSCR)10:33 Hard money vs private money (rates, draws, LTV)18:01 Finding private lenders & protecting capital (first position)24:10 Manufactured homes in GA: affordable housing play27:11 Zoning basics: manufactured vs modular; ADUs28:47 Sewer vs septic: what to check31:36 Pricing & FHA/USDA loans56:17 - Advice for Aspiring Real Estate Investors59:13 - Find Me: How to Connect with Edgar Vargas1:00:12 Underwriting basics: the 70% rule1:06:16 Short-term business funding example (LOCs vs PML terms)1:09:39 Why he avoids second-position loans + wrap (ends 1:12:21)📲 Connect with Edgar Vargas:🌐 linktr.ee/edgar_vargas📘 facebook.com/itsedgarvargas📸 instagram.com/itsedgarvargas🎥 youtube.com/@edgar_vargas📲 Connect with Edgar "The Connector":📸 Instagram: @edgartheconnector🎵 TikTok: @edgarsrei🔌 PLUG IN & LEARN► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby ✌🏼https://join.nre.ai/mQ9T9vZ► Learn the Gator Method: Make Money on Other People’s Dealshttps://join.nre.ai/mQBDJK5► Get the tools I use for productivity:https://linktr.ee/EdgartheConnector🚧 DISCLAIMER 🚧We are not CPAs, attorneys, insurance agents, contractors, lenders, or financial advisors. This video is for entertainment purposes only and should not be construed as tax, legal, insurance, construction, engineering, safety, electrical, or financial advice. Always verify information with licensed professionals.

🎙️ Solving Housing & Loneliness with Co-Living: David Ross’ High-Impact Real Estate ModelIn this impactful episode of the Dream, Start, Own Podcast, host Edgar "The Connector" interviews David Ross, a visionary real estate investor who has transformed 15 homes into thriving co-living communities — achieving a 97% occupancy rate and 26-month average tenant stays.David’s co-living approach is about more than just beds and leases. His mission tackles two urgent societal issues: the housing crisis and the loneliness epidemic. By creating relationship-based, long-term residential housing, he’s fostering real communities where residents feel connected, valued, and invested.This conversation unpacks the strategic thinking behind David’s success — including his evolution from traditional buy-and-hold strategies to renting homes to college sports teams, and eventually to purpose-driven co-living models that promote belonging and longevity.You’ll also hear about his resident matching system, specialized communities (like those for gamers and the deaf and hard-of-hearing), and how he’s scaling his impact by developing training programs for others in the industry.💡 Whether you're:• A real estate investor seeking sustainable, high-return models• An entrepreneur passionate about community-building• Or someone aiming to create positive social impact while building wealthDavid's insights offer inspiration and actionable guidance.📌 CHAPTERS00:00 - Introduction: Meet David Ross, Co-Living Community Builder02:30 - David's Mission: Addressing Housing Crisis & Loneliness Epidemic05:15 - The Co-Living Model: Relationship-Based Long-Term Housing08:45 - Differentiating from "Pad Splits" and Transitional Housing12:20 - David's Real Estate Journey: From Buy-and-Hold to Co-Living16:10 - First Success: Renting Houses to College Sports Teams20:35 - Building Community: The Key to 97% Occupancy Rates25:00 - Creating 26-Month Average Tenant Stays29:15 - The Matching System: Pairing Like-Minded Residents33:40 - Specialized Communities: Gamers, Deaf & Hard-of-Hearing37:25 - Fostering Ownership and Connection Among Residents41:50 - Lower Turnover and Better Property Maintenance45:30 - Developing Training Courses for Property Managers49:00 - Scaling the Co-Living Model for Greater Impact52:15 - Creating Win-Win Scenarios for All Stakeholders1:15:00 - Work With Me1:35:00 - Find Me🎧 Subscribe to the Dream, Start, Own Podcast for more conversations with innovative entrepreneurs who are building wealth while making a positive impact.📲 Connect with David Ross:🌐 www.communitycoliving.com📘 Facebook: https://www.facebook.com/david.ross.75054689📸 Instagram: @realdealdavidross► YouTube: @RealDealDavidRoss#DavidRoss #CoLiving #CommunityBuilding #RealEstateInvesting #DreamStartOwnPodcast #HousingCrisis #LonelinessEpidemic #PropertyManagement #SocialImpact👉 Don’t forget to👍like, 💬comment, 🔔subscribe, and share if David's story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.