The MORE Show

In this episode, I sat down with 10-year mortgage industry veteran Sal Rizzolo, Branch Manager at New American Funding, to unpack what's really happening on the front lines of lending right now. We talked about how AI is rapidly automating cookie-cutter loans — and how companies like Freedom Mortgage and Better Mortgage are already racing to cut human loan officers out of the equation. But instead of treating that as a death sentence, Sal breaks down exactly how he and his team are future-proofing themselves by mastering the 203K renovation loan — an FHA product that lets buyers purchase and renovate a home simultaneously with as little as 3.5% down. We dove deep into how this product creates supply in markets starved for inventory, how realtors can use it to close deals they would have otherwise lost, how homeowners can renovate without selling their low-rate mortgage, and why the most complex, human-intensive deals will always need a skilled loan officer who knows what no AI ever will.

Sal Rizzolo

Sal Rizzolo is a Branch Manager and Senior Loan Officer at New American Funding, based in Long Island, New York, with a growing presence in Florida. With over 10 years in the mortgage industry, Sal got his start after leaving a career as a hairdresser and was mentored by industry veteran Frank, who introduced him to the business and shaped his client-first philosophy. Over the past decade, Sal has built a reputation as one of the go-to specialists in renovation lending — particularly FHA 203K loans — becoming a pioneer of what he calls "ending renovation discrimination" in real estate markets. He operates across nearly all 50 states and is known for working with complex borrower profiles that other lenders pass on: lower credit scores, higher debt-to-income ratios, and buyers with limited down payments. Sal has hosted seminars for real estate agents throughout Long Island, converting educational events into lasting referral partnerships. He is NMLS licensed (#1489171) and is part of the Capo DiBug Team Northeast at New American Funding.
 

Connect With Sal Rizzolo

Instagram: @salrizzolo
Instagram: instagram.com/salrizzolo

LinkedIn: linkedin.com/in/sal-rizzolo-6802a7181

New American Funding Profile: newamericanfunding.com/mortgage-loans/SalRizzolo

 

 

About Justin:

Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

Instagram: @thejustincolby

YouTube: Justin Colby

TikTok: @justincolbytsof

LinkedIn: Justin Colby

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In this episode, I sit down with my guy Matt Porcaro — the founder of The 203K Way — who breaks down one of the most underutilized financing strategies in all of real estate: the FHA 203K renovation loan. Matt shares how he turned a $9,500 down payment into over $180,000 in equity in just eight months by purchasing a run-down Long Island duplex, wrapping the renovation costs directly into his mortgage, and living in one unit while the tenant in the other essentially covered his housing costs. We go deep on how this loan works for first-time buyers, existing homeowners who want to renovate without touching their cash, and even real estate agents who need a fresh edge in a slow inventory market. We also get into the exploding world of ADUs — accessory dwelling units — and how new FHA, Fannie Mae, and Freddie Mac guidelines are opening up virtually the entire single-family housing stock to house hackers who know where to look. If you've been sitting on the sidelines waiting for rates to drop or inventory to open up, this episode will completely change how you think about the opportunity in front of you right now.

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If you're looking to build passive income through multifamily real estate, Elevest Capital gives you access to exclusive apartment investments not available to the public. Non-accredited investors can participate with as little as $10,000.

Get on the Investor List: lfscapital.com

 

 

In this episode of The MORE Show, I sit down once again with my good friend and business partner Adam Williams, Founder and CEO of Elevest Capital, for a raw and real conversation about what it truly takes to build lasting wealth through real estate. I open up about one of the most painful chapters of my career — losing millions of dollars after scaling too fast, trusting the wrong person, and being too stubborn to pivot out of single family despite being warned by both Adam and Grant Cardone. Rather than wallow in it, I want this story to empower you: there are smarter, more scalable, and more tax-efficient ways to build wealth than grinding through fix-and-flip or single family rentals. Adam breaks down why right now is a once-in-a-cycle perfect storm for multifamily apartment investing — with properties trading at 30-40% discounts, organic rent growth returning, demand outpacing supply, and 100% bonus depreciation back on the table thanks to the One Big Beautiful Bill — and how through the MORE Club, everyday investors can get into $40M apartment deals with as little as $10,000, even without being accredited. This episode is about getting out of your own way, finding the right community, and taking real action toward financial freedom.

 

 

About Justin:

Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

Instagram: @thejustincolby

YouTube: Justin Colby

TikTok: @justincolbytsof

• • LinkedIn: Justin Colby

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Book a 30 min. consultation with Dr. Andrea: https://drandreawieland.youcanbook.me

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Get Dr. Andrea's Book:

The Confident Performer: Rethinking Mental Performance for Athletes, Coaches and Parents https://www.amazon.com/s?k=The+Confident+Performer+Andrea+Wieland

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In this episode, I sit down with Dr. Andrea Wieland — an Olympic athlete, licensed psychologist, and elite performance coach — to unpack what it really takes to perform at the highest levels of sport, business, and life. Andrea shares her remarkable story of being cut from the US Olympic team eight times before finally making the 1994 World Cup roster and the 1996 Atlanta Olympic team, and we dig into the powerful mental frameworks she's developed through decades of working with NFL athletes, Fortune 500 executives, and Special Operations soldiers. We cover the critical difference between persistence and perseverance, why your goal must be bigger than your fear, the danger of tying your entire identity to a single role or achievement, and how the "Confident Performer" framework — built on a foundational pyramid of human-first identity, whole-person health habits, and elite mental skills — can transform the way you show up whether you're on the field or in the boardroom. If you've ever struggled with self-doubt, broken promises to yourself, or wondered what separates those who reach the top from those who quit, this conversation will challenge and inspire you in equal measure.

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About Dr Andrea Wieland:

Dr. Andrea Wieland is a licensed psychologist, peak performance coach, author, and former Olympic athlete who competed in field hockey at the 1996 Atlanta Olympic Games — in her own hometown. She holds a PhD in Psychology and an MBA, and brings a rare combination of world-class athletic achievement and clinical expertise to her work. Andrea has coached NFL athletes, Fortune 500 C-suite executives, Special Operations military personnel, and high-performing teams across industries, helping them develop the mental skills, identity clarity, and synergistic confidence needed to excel under pressure. She is the founder of the Confident Performer Academy and the author of The Confident Performer: Rethinking Mental Performance for Athletes, Coaches and Parents. Her proprietary Confident Performer Framework — a three-tiered pyramid covering human-first identity, whole-person health habits, and elite mental skills — has helped clients at every level stop living on a wobbly foundation and build the resilience to bounce back from any setback.

Website / Free 30-Min Consultation:

www.drandreawieland.com

LinkedIn:

www.LINKEDIN/awielandphd

Facebook:

Andrea Wieland on Facebook

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About Justin:

Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

* Instagram: @thejustincolby

* YouTube: Justin Colby

* TikTok: @justincolbytsof

* LinkedIn: Justin Colby

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this very first episode of The M.O.R.E. Show — which stands for Maximizing Opportunities in Real Estate — I'm sitting down with my business partner Adam Williams to share why I made the decision to walk away from The Science of Flipping after 13 years and thousands of episodes, and what we're building together with timeformore.com. Adam and I have a combined 40 years in real estate, and we've seen the market from every angle — flips, multifamily, commercial — and what we kept coming back to is a massive gap in the space: people have access to education, but almost nobody is actually taking them from learning to doing and closing real deals. That's exactly what the M.O.R.E. ecosystem is designed to fix, built on three pillars — the show, the M.O.R.E. Club (where members analyze, partner on, and do real deals with us), and live events where the most powerful connections actually happen. With the economic landscape shifting fast, AI displacing jobs, the mortgage qualification rate dropping from 75% to 28%, and the wealth gap widening by the day, Adam and I believe this is the most important time to get in the game — and we're here to help you do exactly that.

0:00 Cold open — what the M.O.R.E. community is built for

0:46 Justin officially introduces The M.O.R.E. Show and explains the pivot from The Science of Flipping

1:44 M.O.R.E. acronym revealed — Maximizing Opportunities in Real Estate

2:14 Adam tells the story of how he found Justin through his wife and hired him as a coach

5:02 40 combined years in real estate — the gap in the marketplace they're solving

7:10 Sponsor: LFS Capital — passive income through multifamily apartment investing

9:25 Breaking down Pillar 1 — The Show and what guests will look like

11:43 Adam on Justin's network and why these interviews will be different

13:10 Pillar 2 — The M.O.R.E. Club: deal analysis, community, and co-investing

14:25 How Justin partnered on 9 deals with Adam — the model for the club

15:42 The state of the economy and why now is the time to get in the game

16:36 Pillar 3 — M.O.R.E. Live events and why in-person is irreplaceable

19:01 Adam's story: raising $1M+ from a Grant Cardone event by sitting front row

20:27 The power of events — $2M invested from two strangers met at a 7,500-person stadium event

23:56 The growing affordability gap — mortgage qualification rate drops from 75% to 28%

24:50 Financial freedom doesn't look the same for everyone — Justin's vision for investors

26:13 You can't do it alone — why community is the #1 accelerator

28:02 Wrap-up and teaser for Part 2 — going deep into real deals, wins, and losses

Want to go beyond listening? Join the M.O.R.E. Club at timeformore.com — a community built for real estate investors who are ready to analyze deals, partner with experienced operators, and start building real passive income. Whether you're a beginner or a seasoned investor, there's a place for you here.

Visit timeformore.com to explore the show, the club, and upcoming live events.

Want truly passive income from real estate — without managing tenants or dealing with repairs?

LFS Capital gives accredited investors access to exclusive apartment deals that aren't available to the public. Get monthly cash flow distributions deposited straight to your bank account.

Get on the investor list: https://www.lfscapital.com

About Justin:

Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

Instagram: @thejustincolby

YouTube: Justin Colby

TikTok: @justincolbytsof

LinkedIn: Justin Colby

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.