The MORE Show

Most real estate investors are building a portfolio the same way buy, rehab, refinance, and watch their equity get trapped behind the walls of a mortgage while they pay heavy front-loaded interest for years.

Pat Grace built $65 million in rental properties across 200 single family assets doing it completely differently and he does not have a single traditional mortgage. In this episode of The M.O.R.E. Show, Justin Colby sits down with Pat Grace, who discovered a banking strategy used widely in Australia that is almost completely unknown in the United States, and used it to build one of the most liquid and flexible real estate portfolios you will find anywhere. Pat breaks down his BERLOCQ method a line of credit-based approach to real estate financing using simple interest instead of compounding amortized debt and why once you see it, you cannot unsee it.

KEY TOPICS COVERED

Why traditional mortgages trap your equity and cost you far more than most investors realize

The BERLOCQ method explained using lines of credit instead of mortgages to build a rental portfolio

How Pat built $65 million in real estate with $35 million in available line of credit and zero traditional debt

Why simple interest lines of credit beat compounding amortized mortgages every single time

How one investor saved over $1 million in interest just by switching to this strategy

How to get started with lines of credit from your first $750K line to scaling across all 50 states

️ TIMESTAMPS

00:00 — $65 million in rentals with zero mortgages the cold open

00:30 — Introducing Pat Grace

00:52 — What M.O.R.E. stands for and why this episode matters

01:43 — How Pat learned this strategy in Australia

02:07 — Why he left traditional mortgages behind

03:10 — How he started just like everyone else

04:30 — The problem with the BRRRR method most people miss

06:00 — Explained lines of credit vs amortized mortgage debt

12:00 — $35 million in available line of credit how Pat structures it

18:00 — How to approach a bank and what to ask for

25:00 — Unlocking trapped equity without a traditional refinance

32:00 — Using lines of credit for new construction and beach houses

38:00 — Protecting assets trusts, entities, and structure

43:00 — Pat's calculator save over $1 million in interest

44:00 — How to get started in all 50 states

46:00 — How to reach Pat Grace and get his free calculator

Connect with Pat Grace

Facebook: Pat Grace (search and friend request mention Justin Colby or The M.O.R.E. Show)

Free calculator, workbooks, and resources available DM Pat on Facebook to access

About The M.O.R.E. Show

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

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

Most real estate investors think you need a bank, perfect credit, or a pile of cash to do deals. Chris Prefontaine has been proving that wrong for decades and he survived the 2008 crash to build one of the fastest growing real estate companies in America three years running on the Inc. 5000 list. In this episode of The M.O.R.E. Show, Justin Colby sits down with Chris Prefontaine, founder of Smart Real Estate Coach and author of the 3 Paydays book series, to break down exactly how creative financing and terms deals work in today's market, why subject-to and owner financing are some of the most powerful tools available to any investor right now, and why the most dangerous thing you can do is chase shiny objects instead of going deep on one strategy.

KEY TOPICS COVERED:

Creative financing explained, how to buy real estate without banks, cash, or credit

Subject-to and owner financing deals, how they work and why sellers say yes

The 3 Paydays model, how to get paid three times on every single deal

Why Chris survived the 2008 crash when most investors did not and what he learned

Shiny object syndrome: why chasing two rabbits means catching zero

Why you should follow someone who has been through real market cycles, not just a bull run

️Key Moments

00:00 — Foreclosure, the repo man, and starting over

00:52 — Introducing Chris Prefontaine

01:10 — Three years on the Inc. 5000 list

01:43 — 82 active markets — real deals, not theory

02:15 — The guru epidemic

03:45 — How the coaching community works

04:03 — Subject-to, owner financing & lease options explained

07:00 — The 3 Paydays model

12:00 — How to get sellers to say yes to creative terms

18:00 — Creative financing in today's market

22:00 — Shiny object syndrome & Chris's six laws

23:43 — Chase two rabbits, catch zero

24:22 — Follow someone who has the life you want

25:00 — What success actually looks like after the scars

26:06 — Free workshop & how to get the 3 Paydays book

27:25 — Where to find Chris Prefontaine

Connect with Chris Prefontaine:

Website: smartrealestatecoach.com

Book: 3 Paydays visit 3paydaysbooks.com/more for a free copy

Free Workshop: smartrealestatecoach.com/masterclass

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

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

Most real estate investors know how to build in a bull market. Very few know what to do when that market turns against them. In this episode of The M.O.R.E. Show, Justin Colby sits back down with Brandon Rockstar Rooks a capital raiser who spent a decade building a $100 million land entitlement business in the southeast, working with some of the biggest national builders in the country and who hit major headwinds when the market shifted in late 2024. Brandon shares exactly what happened, why he is not embarrassed to say he is on his third reinvention, how he is pivoting into private lending, note buying, and distressed debt, and why the most dangerous thing an investor can do right now is stay loyal to a business model that has stopped working.

KEY TOPICS COVERED:

How Brandon built a $100 million land entitlement business working with the biggest national builders

Why national builders don't want land on their balance sheets and how that creates opportunity

What went wrong in Q4 2024 and why the land entitlement market shifted dramatically

How Brandon is pivoting into private lending, note buying, and distressed debt

Why it is okay to start over at 40 and why staying loyal to a broken business model is not

The mindset of reinvention how to know when to pivot and how to do it without losing everything

️ Key Moments

00:01 — Introduction: Brandon Rockstar Rooks returns to The M.O.R.E. Show

00:32 — The Boardroom Mastermind what it is and how to get access

01:11 — Lending is getting weird what Justin is seeing in the market right now

01:31 — A decade of land entitlement capital raising how it started

02:13 — Why 15% annualized returns became the minimum standard

02:49 — How the land entitlement model works ground, permits, sell to builders

03:16 — Why national builders don't want land on their balance sheets

04:01 — First deal: $3M parcel in Charlotte NC 99 townhomes

07:00 — How the $100M raise was built and what drove it

15:00 — What changed in Q4 2024, when the market shifted

20:00 — Pivoting into private lending, note buying, and distressed debt

28:00 — How to know when your business model has stopped working

33:00 — The Dan Martell post, it is okay to start over at 40

37:00 — Round number three, reinventing again and why that is okay

39:00 — Relationships, markets, and staying ready to pivot

40:00 — How to connect with Brandon Rockstar Rooks

Connect with Brandon Rockstar Rooks:

Website - www.rockstarcapitalfund.com

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

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

Most real estate investors have had a deal fall apart at the title company  not because the deal was bad, but because the title company did not know how to handle it. In this episode of The M.O.R.E. Show, Justin Colby sits down with Ash Selle, founder of Phoenix Closing and a 25-year title and escrow veteran who has handled tens of thousands of transactions across 7 states. Ash Selle breaks down exactly how investor-friendly title works, how to close hairy and complicated deals that other title companies won't touch, what really happens inside a title company when your deal goes sideways, and why subject-to deals, double closings, probate, and foreclosure transactions require a specialist not a generalist.

KEY TOPICS COVERED:

What an investor-friendly title company actually does differently from a traditional one

How to close subject-to deals, double closings, probate, and foreclosure transactions correctly

Why buyers are backing out last minute right now — and what title companies are seeing on the front lines

The biggest mistakes real estate investors make when working with title and escrow

How to find and work with a title company that will fight to get your deal across the finish line

What sellers in distress foreclosure, divorce, death, prison, need from a title team

️ Key Moments

00:01 — Introduction: Ash Selle  founder of Phoenix Closing

00:23 — 25 years in title and escrow tens of thousands of transactions

00:45 — Phoenix Closing explained investor-friendly title in 7 states

01:00 — How to reach Ash Selle: phoenixclosing.co and (612) 248-6108

01:45 — What is happening in the real estate market right now from the title side

02:08 — Why buyers are backing out last minute and getting cold feet

03:47 — Distressed sellers: foreclosure, divorce, prison, probate, and death

04:09 — Interest rates why nobody on the front lines is complaining about them

07:00 — Subject-to deals explained and how to close them correctly

12:00 — Double closings what they are and how investor-friendly title handles them

18:00 — Probate and estate sales what makes these transactions complicated

22:00 — What title companies see that investors never know about

26:00 — How to be a better investor when working with your title team

29:07 — Ash Selle's advice: be kind title coordinators have multiple files

29:40 — Where to find Ash Selle and Phoenix Closing

Connect with Ash Selle:

Website: phoenixclosing.co

Phone: (612) 248-6108

Facebook: Phoenix Closing

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

Most real estate educators tell you to master one market and stay in it forever. Neil Bawa thinks that is wrong and lazy. In this episode of The M.O.R.E. Show, Justin Colby sits down with Neal Bawa, known as the Mad Scientist of Multifamily, a former data scientist and tech company founder who has built a portfolio of over 4,000 apartment units across 7 states with $400 million under management and 1,150 active investors. Neil breaks down why his data-driven approach to real estate outperforms gut instinct every single time, how he sold out a 237-unit apartment syndication in four hours, why he learned never to invest in Chicago again, and how he is now using fully automated AI underwriting to evaluate deals faster than any human team can.

KEY TOPICS COVERED:

Why there are no great markets in America only great markets at certain points in time

How Neil sold out a 237-unit apartment syndication in four hours using a nurtured email list

The tax strategy that forced Neil into syndication and how it built his entire empire

Why Neal left single family behind and went all-in on multifamily apartments

How Neal's team uses fully automated AI underwriting to analyze deals at scale

The current distressed deal opportunity in Dallas and why banks are offering concessions to buyers right now

️ Key Moments

00:01 — Introduction: Neal, the Mad Scientist of Multifamily

00:30 — $400 million under management 4,000 units across 7 states

00:53 — Portfolio breakdown: Utah, Idaho, Phoenix, Texas, Atlanta

01:30 — Why Neal jumps markets, there are no permanently great markets

01:54 — Neal's background: data scientist, tech company founder, recovering technologist

02:11 — How real estate reduced Neil's taxes during his tech company years

02:31 — 2013: selling the company, massive taxable event, and discovering syndication

03:21 — How a nurtured email list sold out 237 units in four hours

04:16 — 1,150 investors and $350 million in equity raised

04:41 — Taking investors on property tours and why it changes everything

07:00 — First property: Chicago, $12.5 million, and lessons learned the hard way

10:00 — Why Neal never invests in Chicago again

15:00 — Single family war scars and the pivot to multifamily

20:00 — The four pillars of multifamily including tax benefits

25:00 — Cost segregation, bonus depreciation, and real estate professional status

30:00 — Neil's AI market data tool fully automated underwriting explained

36:00 — The distressed deal opportunity in Dallas right now

40:00 — Buying directly from banks concessions, low interest rates, long IO periods

42:00 — Co-GP model and Deal Flow Fridays

43:00 — Where to find Neal Bawa

Connect with Neil Bawa:

https://multifamilyu.com

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

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