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My name is Jose Luiz Morales. I am 33 year old real estate agent & investor from Ventura, CA. I have been in the Real Estate Industry for the past 10 years. CEO of The Morales Group. My team & I have sold 500 properties & over 300 million in sales. Currently have a 10 million dollar real estate portfolio. My parents taught me from an early age to be an entrepreneur & to make smart investments. Entrepreneur from the age of 9. Father of Jose Luiz Jr, I consider myself a Family Man. Real Estate & Business Mentor/Educator. The purpose of this podcast is to educate & inspire young entrepreneurs and business owners by discussing current topics related to Real Estate, Finance & Business.
260 Episodes
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Most lenders demand 25-30% down and perfect tax returns to buy a commercial building. But with this creative financing strategy, you can purchase commercial property with just 10% down and no tax returns required. In this episode, we break down the exact "capital stack" that makes this possible: The buyer puts down 10%, the seller carries a second mortgage for 20%, and the lender covers the remaining 70% . This is a game-changer for small business owners—like auto body shops, nail salons, or...
Stop saving for a down payment if you are buying house from parents! 🛑 In this episode, we explain exactly how does a gift of equity work so you can potentially close on a home with $0 cash out of pocket. If you are looking into buying a home from a relative, the "Family Bank" strategy might be the financial loophole you have been waiting for. Most people think you need 20% down to buy mom and dad’s house, but that is not true. We break down the process of using gift of equity for down payme...
Are you confused about the difference between a Business line of credit vs term loan and terrified of getting rejected by the bank? Many business owners struggle to secure capital because they do not understand the specific Business loan requirements needed to get approved. In this episode, we sit down with an insider from Logix Federal Credit Union to reveal exactly how to build business credit without making costly mistakes. We break down why Credit union business loans often offer better ...
Have you ever wondered how to finance a car under your business name and actually make it work without wrecking your personal credit? This episode pulls back the curtain on exactly how that process works, from documentation to bank approvals, so you can master business car financing confidently. ✅ Discover the true path to buying a car under LLC without personal risk ✅ Learn the key business auto loan requirements banks look for ✅ See how you can build business credit with a car loan, and wh...
Tired of paying massive taxes on your real estate commissions? High earners get hammered in taxes, but top investors use a simple agent tax strategy to get ahead. This episode reveals the ultimate wealth-building tactic, where your host Jose Luiz Morales and expert guest Jimmy Vreeland show you the powerful strategy for how real estate agents pay less taxes in California and across the country by leveraging advanced deductions. The key is achieving Real estate professional status to of...
Most agents think rejection means the end of a deal, but the truth is, it’s just redirection. Your lead conversion struggles aren’t about bad leads; they’re about how you communicate, follow up, and earn trust. It’s time to fix the process that’s been holding you back and finally master real estate lead conversion once and for all. ✅ Discover why most real estate lead conversion efforts fail, and what top agents do differently ✅ Build a consistent real estate follow up strategy that keeps yo...
Tired of selling homes but never owning any? Learn how creative financing strategies help real estate agents grow beyond commissions and start building real wealth through ownership, not just transactions. Most agents start their careers focused on buy-and-hold or chasing listings. But that approach limits growth. In this conversation, we dive into what separates average agents from those who scale, understanding creative financing strategies for agents, like subject-to deals, hard money, an...
Thinking about selling your business but not sure where to start? Understanding how to sell your business the right way can mean the difference between walking away with what it’s really worth, or leaving thousands on the table. In this episode, Jose Luiz Morales sits down with Shawn Ahrabi, a business sale and valuation expert, to walk you through the full business sale process explained clearly and confidently so you can achieve a smooth, profitable exit. What you'll learn: ✅ Discov...
What if the next big real estate opportunity isn’t in houses or apartments; but in RV parks? Mychele Bisson turned small rentals into a 56M portfolio by focusing on one powerful niche that most investors overlook, RV parks. Her journey proves that success isn’t about luck, it’s about strategy and vision. She reveals how the RV park business model generates consistent income, how she used creative financing for real estate when traditional loans weren’t an option, and why her RV park i...
Government shutdown is here; will it freeze your real estate closing and delay your home deal? Find out what this means for mortgages, FHA loans, VA loans, and flood insurance. When uncertainty hits, buyers, sellers, and realtors need clarity. In this conversation, Jose Luiz Morales and Silverio Garcia from Silver Mortgage Group break down how teh USA government shutdown directly impacts the real estate market and what lenders are doing to keep files moving. What you'll learn: - How a real ...
Ready to close deals from your couch? What if you could scale your wholesaling business remotely; no driving, no office, just deals from anywhere. Virtual wholesaling is the key to 10x your business without the grind. Learn how to leverage your network and find cash buyers online while building a nationwide business. Virtual wholesaling allows you to break free from the traditional hustle and grow your real estate business faster with fewer limitations. Whether you’re just starting or lookin...
Wondering how to finance an adu when you have little or no equity? In this episode, Jose Luiz Morales sits down with lending expert Mike Yates to explain an incredible program that offers 100% financing home loan options, plus a $15,000 grant for closing costs. If you’ve been searching for the right adu loan or exploring adu financing options, this could be the solution that finally makes owning or building an accessory dwelling unit california possible. This program is designed to make home...
Want a low-rate assumable mortgage without a huge check at closing? This buyer guide shows how a VA loan assumption or FHA loan assumption can stay affordable by covering the equity gap with a smart second and a clear assumable mortgage process. Expect to qualify with the current servicer, disclose any second loan, and plan payments so the total still works long term. 🔑 What you’ll learn ✅ How buyers structure a VA loan assumption or FHA loan assumption to cover the equity gap with les...
Looking for the best CRM for new real estate agents and wondering what tech you actually need when starting your business? In this episode, Jose Luiz Morales breaks down the systems, tools, and real estate technology that help new agents and investors get organized and grow. From choosing the right real estate CRM to building your real estate database, this guide shows how to start smart and avoid wasted time. ✅ Learn how to set up the best CRM for real estate and why most agents overcomplic...
In this powerful interview, discover the real estate investing business model that's changing the game for agents. Don't be an agent who is "leaving money on the table." Learn the secrets to how to make more money in real estate by serving your clients with more options. We'll show you how to offer solutions that go beyond a traditional listing and give you the confidence to get more deals. This is the ultimate guide for agents looking for a strategic advantage. Aidelys shares his incredible...
Are you ready to buy a home with no money down? In this episode, we explain how to use a 100% financing program and a $15K grant available to qualified buyers. Learn how you can get into a home with zero down and receive financial help with closing costs. This is a game changer for anyone trying to move from renting to owning with minimal upfront costs. What you’ll learn in this episode: ✅ How the 100% financing program works ✅ How to apply for the $15K closing cost grant and get zero down ...
Can house flipping and the BRRRR method really build a 400 unit real estate portfolio without syndication? James Gleason proves it’s possible and shares his full playbook with Jose Luiz Morales. Discover how he scaled using joint venture real estate deals, flips for fast cash, and rentals for long term wealth. If you’re serious about real estate investing in 2025, this episode shows exactly what it takes to grow. ✨ What you’ll learn in this episode: ✅ How James went from Craigslist single fa...
Looking to master the DST and make the right choice in your 1031 exchange? This guide breaks down exactly how to select the best Delaware statutory trust for your needs, avoid common mistakes, and follow key 1031 exchange rules while getting the most out of your investment. In this episode, we’ll walk you through everything from 1031 exchange strategies to understanding accredited investor requirements, plus how the qualified intermediary 1031 process works and why it matters. Whether you’re...
Tired of hearing about high-risk fix and flips that require a ton of cash? What if the secret to building wealth in real estate isn't about having a huge down payment, but about knowing the right strategies? In this episode, we’re going to talk about how to start flipping houses and other, more effective strategies for real estate investing. We go beyond the myth that you need hundreds of thousands of dollars to get into the game and break down practical ways to find and fund your first deal,...
Are you a real estate investor or professional looking to master owner finance? Discover the essential strategies to sell your real estate notes for maximum value, ensuring you never have to discount them again. This episode uncovers the key to transforming your owner financed deals into liquid assets that fuel your business. Many note sellers struggle to find the right buyers or maximize mortgage value. This often leads to unnecessary discounting, leaving profit on the table. But what...
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