HOW TO BUY AND DEVELOP LAND

so youtube what's going on what's going on what's going on youtube let's get the team in here let's get the team in here what's going on what's going on y'all we are back don't adjust your screen though what's the deal what's the deal everybody hopefully you are staying safe we are in the middle of a absolute beast of a snowstorm here in the east um it is looking like a big one ash what's going on i think you muted ash i think you muted peace i'm well how you doing today we're doing great we're doing great i know they looking youtube looking everybody looking like yo what's going on by yourself you're right no no no no my brother's on the way my brother's on the way we uh we're trying to stay safe out here man and it was just too risky to have us outside on the road even though we we are practically neighbors um just the amount of snow that's about to hit this this area is going to be ridiculous so hopefully everybody is is warm and safe and uh sitting in front of a nice cup of hot chocolate maybe mixed with something who knows who knows there you go my god what's going on hey man i i told him don't don't don't adjust your sets [Laughter] shadi will be here it's not any leisure if you don't see us both and so yeah just know that for sure um so this yeah yeah blizzard no problem no problem that's okay we will adjust man we trust we trust in the good folks at uh zoom and we trust the good folks at youtube hopefully like i said everybody's staying safe but we wanted to stay safe as well but we also wanted to make sure that we were delivering um some quality quality quality content and that's what we're here to do tonight and we got a we got a very special young lady uh that everybody's been wanting to talk to everybody's been dying to talk to her and so we're very fortunate and very lucky to have a here with us tonight at eyl university shout out to everybody on youtube that's checking in as well um that's ashley scott [Music] [Laughter] she's a star in our own right uh i'm telling you ever since we put out that episode man everybody was like who is that young lady she is amazing and i said yo man wait till you see it in person y'all got to really see the energy that she come with i mean this energy from the second you meet her to the second she leaves your presence man so we like i said we are very fortunate to have you um and uh glad you could be here with us tonight ashley i'm super glad to be here with you guys like just whenever i get to be in your king's presence it's just a pleasure honor so i'm really glad to have the ear of your audience tonight and to share what i'm learning what i know and all the great good things that are happening so i'm excited and ash we i mean we not just we shouldn't mention that you you are a part of ewl university yourself i am a part of eyl university i i am a learner i don't play like i'm an earner and a learner so i'm a part of ewl university i was back there in my uh classes the other day listening to uh doug talk about being the general contractor i was listening to chris cynical talking about buying back to block so i was in there getting my life the other day like okay and i i'm like if they the way they bought it i knew i had to come bring the fire tonight so i was like let me get myself together make sure i got these things for the people hey man i might have to hit up sabine a learner and an earner i'm gonna have to trade the trademark i like that i like that ass yeah yeah yeah no this this is gonna be good this is i'm extremely excited thank you thank you for joining us um and yeah anybody wondering why me and troy aren't together it's the first time they ever fight so it's not together this is blizzard it's a blizzard in new york right now um so i stayed home and he's uh in the studio but uh rain sleet snow or hail eyl will deliver we will never let you down so um this is something that's extremely extremely exciting because i feel like uh we talk about real estate a lot but not a lot of people have you know the experience that you guys have as far as like buying land and like surveying the land and developing the land and that's that's a whole that's a whole situation a whole vibe within itself so i'm excited to have this conversation i know choice excited to have this conversation and i'm sure everybody that's uh in attendance is excited to have the conversation as well yeah i'm excited to have it i i'm still going through a lot of the phases of development it's a lot of planning it's not a buy land and then tomorrow you got a city you got a subdivision bill it's a process so i'm really excited to talk with everybody today about that process how they can get started where they can find land and then of course to answer all of the questions that i'm sure folks have so you know i'm ready to get started whenever you yeah i mean so ash the floor is yours i'm you you're a co-host and so whenever you feel like you can understand let me just let me just let me just give the rundown before she starts so welcome to welcome to everybody um this is a special edition of eyl university so what we do once a month if you're not familiar so we have an educational platform called eyl university which we are honored that actually is a member of ewl university and um we do weekly webinars on a variety of different topics so everything from cryptocurrency to you know real estate to pretty much anything you you pick it and we do we bring experts in the field in and they they do uh webinars and it's a classroom style format so they teach for about a half an hour 40 minutes something like that and um after that is question and answer we open it up for questions for like 20 30 minutes and um it's really dope people get a lot of value it's obviously a way more intimate setting than youtube um and it's it's a way to actually learn and actually interact a difference from the podcast with the podcast is obviously tremendous but the podcast somebody's like just telling a story and you're listening to it where with the classes you actually get to actually engage with the people ask questions they have slides powerpoint presentations so it's more of a classroom type setting so once a once a month we open it up to the public um on youtube and this is called our open enrollment so the open enrollment is like you get to just see you know for yourself and um if you're interested in joining great if not then you just get free information so um this is this is the this will be the last week of uil university for the year because we're taking our winter break after this after this uh week is over um but this week we have a class then we have orientation for all new members we have orientation tomorrow at 7 00 p.m just to kind of navigate you through the website because what happens is that there's over 70 i think there's 73 past webinars so they they get archived so every single week you get archived on the website uiliversity.com and then we have a facebook group we have a movie club we have a book club we have accountability groups so it's a lot of stuff going on so it's kind of hard to navigate um but it's not an investment club it's an actual university that's why we call it ewy university because we really really want the top spot as far as educational platforms like phoenix university we really want to take them out and become the the household name when it comes to education so being that is the case um this is actually the last week of eyel university as we know it um we're ending we're ending this part of ewy university we look at it like this is undergrad and uh starting next week we're gonna start our graduate school program the graduate school program we're getting more organized so we have a professor series where we're bringing in the top requested professors um that taught classes so now instead of just doing one-off classes they're going to teach four classes a year so once a season they're going to teach a class so miss business is going to teach about taxes ash cash financial literacy sabine purpose attorney she's going to talk about all legal matters brandon rule's going to talk about real estate quentin martin is going to talk about investing on kwame unko variety of different business topics and we got the credit dude coming in to talk about credit so once once a semester once every three months we're gonna bring the professor back and then we're also we're also gonna have um a trade program so we're going to have at least one class this season for a trade so that'll be like hvac or that it'll be um flooring because we understand that you know you got to learn a variety of different things you just can't learn one particular thing so hvac flooring you know we'll figure it out but we're gonna have one uh trade class uh a month but then we're also starting a women's initiative inside the to empower women so it's great it's great it's a lot of stuff so i still have to say shout out to uh we our whole entire team um you know we're really moving forward janet we hired our first full-time employee yeah can we get some fire emojis in the chat for janet can we do that because janet is amazing yeah yeah now and now she's he's our first employee it's a great it's a great story um a black woman uh that was working for fidelity megan making a nice amount of money for fidelity and um she was a member of eu island university and just showed a great initiative so you know we practice what we preach group grew economics empowerment we were able to take her from fidelity um we were able to match her pay and we hired her as a full-time employee for uil university so we're taking this serious it's not like just a a random thing that we just put together like we're really investing a lot of money time and energy into our university um and in 2021 we're really really really going to make a strong strong push to make it uh the the premier learning experience um for business not just investing business period all forms of business and we really want you know our thing to be as big as harvard yale or any other these institutions so um yeah so we are running our last minute sale being that what i just said um we invested a lot of infrastructure so it's changing so the price is actually doubling uh starting next week but we're grandfathering anybody that wants to join so now we're running a 40 off call and all of that the price right now 40 off is for 400 for the entire year and um everybody that's been grandfathered in like if you paid 99 your grandfathered in um so that's the great part it's like the price only goes up not because we're being greedy because we're actually investing in it we have we're looking to hire two more people probably in 2021 so this has turned into a whole operation so if you're interested um the price will be doubling uh next week but um right now it's 40 off with code freedom for tonight i'll put it in the chat code freedom we'll talk about it more a little bit later but that grand rule so ashley let's let's get this hold on hold on johnny watch that because we know i like code freedom i mean that was super intentional there's one more thing that that you didn't say man and that is we also are recognizing some of the people that are in our community so we also are handing out uh awards to our top earners and we actually went through that process this week so i just want to give a huge shout out to our top earners and that's people that are just coming into the community and just saying like i want to add value any way i can i want to add value and so uh shout out to our top earners the the five people that we uh recognized this week were uh angelo uh tina uh liz uh mcintosh and king none other than our man king arthur man so we appreciate all that you have done to help grow this community and uh we look forward to acknowledging and recognizing so many more people that are just out here just killing it as earnest man we appreciate you greatly for sure so yeah actually the floor is yours all right let's run it i'm super excited so earners i'm gonna go ahead and share my screen and don't talk about me i probably got 100 tabs open busy okay well thank you so much everybody for joining me tonight for building intentionally how to buy land develop it and eventually build the city because the name of this thing changed like three times thank you troy he just sent out a million email blasts with different titles to it but can i can i answer them for one minute yes i heard i heard i heard we have a prestigious alumni in the building um none other than styles p himself if you're a rap fan from a legendary group the lock so styles i guess is interested in learning about developing land and buying land so you never know who might pop up in these situations shout out to styles now a legend a legend where we come from for sure absolutely an alumni at that and an alumni yes so thank you for being in the class today styles p and then all the rest of you know i'm sure all of us are illustrious guests in some way or other and so we appreciate all of you guys for being here you guys got me back on the screen all right let's do this so building intentionally how to buy land develop it and eventually build this city that's what we're going to get into tonight uh disclaimer because what i do recognize is that we got earners from around the world so what i need for you all to understand is that the things that i'm going to teach in this master class aren't going to not be the same in every state so the most important thing that you can do with any information that you get is to research it for yourself to get an expert in your area whether that be a real estate agent a legit amazing business consultant business strategist and of course a lawyer someone that you can trust it's always good to have a lawyer stay lawyered up so that's my disclaimer for tonight that these principles these strategies these things i'm going to teach you they are definitely probably applicable to what it is you need to do in your neck of the woods but you have to find out for yourself if that thing that i teach or say tonight is going to have the same um precedence in the areas in which you plan on building and investing in so now that that's out of the way i'm ashley scott i am a realtor based in stonecrest georgia i am the vice president of the freedom georgia initiative if you do not know my story i am my good friend renee walters purchased 96.71 acres of land just outside of toonsboro georgia a little sleeping town that went viral over the summer after we had the unfortunate events of george floyd being murdered among aubry being murdered richard brooks all of the energy that we have been dealing with around social justice issues made that or article go viral and it caught my friend renee's attention and her being an entrepreneur a visionary herself said you know what if we gonna make change we need to look at this town and so she brought that to me we uh went to an open house we visited we did our due diligence and we decided to invest in building our own community and building a community that is intentionally created to serve and meet the needs of black families and black businesses to try to create a replicatable model for other families to buy land and to create for themselves the kind of community that they deserve to live in so the freedom georgia initiative is just getting started we purchased our land july um 2020 so that's been less than six months i myself as a realtor have been a realtor for just over two and a half years and i've been in marketing um for over 10 years now i have a company called the mobile mavens i'm a wife i'm a mom i'm an entrepreneur i'm a leader at heart i am a proud hbcu graduate shout out to bennett college for women and all of my bennett bells shout out to my sorority sisters of alpha kappa alpha sorority incorporated and that's me in a nutshell i am very civically engaged and always working toward a progressive realization of a worthy ideal so it's time to buy land y'all for building more intentionally everywhere you look it's clear that there's a lot of concerns we've got covet concerns we don't know whether or not we are going to get over this hump people are concerned about density and about how quickly the virus can spread because it's so highly contagious and what we know is when you're talking about a highly contagious uh pandemic it is going to have a bigger impact on dense areas so we have to look at our housing situation in as a whole when it comes to our public our health and as a public health issue not only that we've got climate change happening we got wildfires in california and oregon that is actually dictating relocation trends people are you know literally looking at relocating not just for climate change but because of affordable housing we're in the midst of an affordable housing crisis we have more buyers than we have sellers at the moment so this market and all of the conditions around it we are going to probably see a huge influx of [Music] in food insecurity land is the direct opportunity to solve that problem we gotta buy land social injustice we have been facing high crime high policing and it creates a cycle of prison industrial complexes and until we buy land and change how the structures of our communities actually look we are going to continue to see social uprising and social injustice we have to change what community looks like to really have an impact on how we um prison and police our communities health disparities this pandemic again the reason why um certain demographics were disproportionately affected by coal cofid is because of our lifestyles we don't walk enough you guys we're not living in well-being we're not spending time in outdoors forest bathing you you probably don't even know what forest bathing is but look it up i promise you you will come back to that ass you will enjoy forest bathing right so buying land is genuinely a way in a means for us to intentionally create a better world so that's why i'm so passionate about this and i want to get into my little five-step outline of building intentionally so what i'm going to cover this evening is the land the team the money the build and the charter i'm not going to go very deeply into the charter because you know that's a whole lot but i am going to touch on it just a bit but let's get started with a bit of insight before i start about but if we're going to talk about developing land we're going to talk about buying black buying back the block we have to have a bit of insight a bit of strategy when we talk about group economics we have to really have a mindset shift so one of the things i want to just get us kind of positioned with one i hope you got a notebook if you don't go get it because it's about to be some note-taking moments coming okay if you don't leave with nothing else tonight if you have no intention on buying any kind of land whatsoever if you don't know if you'll ever develop any pieces of land if you don't want to even consider living in community or buying and building the block any of that take this with you tonight there are seven highly seven habits of highly effective people and for you to be able to actually see something as mag something as big as buying land developing it into a subdivision into a mixed use project into a full-blown community a eco village whatever it is that your heart is desiring to do with the land that you want to purchase you're gonna have to have some insight and some strategy and your disposition in life is going to allow you to be more successful versus less successful in this pursuit because it will be easy to fail and and really to give up is what happens you don't really fail you give up when you get so many challenges so if you don't have the right insight the right strategy you're going to give up when those challenges come so i want to talk about these seven habits first before we get into the class because i think mindset has everything to do with building land and uh buying land and developing land and eventually building a city right so number one be proactive period poo begin with the end in mind beginning with the ending mind is essential in buying land and developing it if you don't start with the end in mind you're going to lose your shirt you're not going to have an exit strategy you're not going to be able to actually manifest the actual benefits the profits the things that you wanted from your land if you don't start with the end in mind put first things first you can't tackle everything at once and your core values and that end that you have in mind that ultimate result that you want whether it's some sum of money whether it's a community that's intentional and loving and thriving whether it's um creating a space in a place where your children feel safe and then you can pass it down as an inheritance put first things first because when you come up with challenges if you remember those things that are priorities to you you won't allow the challenges the petty arguments the things that will happen with contractors and permitters and all of the different things that go on you won't let it deter you and you won't get caught up on things that easily beset you because you know what the end in mind is and you put that first thing first right four think win-win you're not going to be able to develop a piece of land unless you have a win-win attitude a win-win mindset it's not just what's in it for me and it's never a sum zero game when you talking about win-win it doesn't look like i beat this guy and that guy's a loser you can't negotiate that way and you can't build community that way you have to have a win-win mindset of i get something my brother gets something i get something my contractor gets something i get something my county gets something i get something my economic development authority gets something it's a win-win for everybody seek first to understand then to be understood before you go rah rah make sure that you understand why things are happening in the fashion of which they're happening it could be something that came up in your build or your project that was unforeseeable so to understand first is always a great practice when you're talking about going through this path of buying and developing land um and then to be understood make sure that you are speaking up for yourself that you are keeping your core principles and the core values of your project in mind with the people you are working with synergize look for ways that allow things to get momentum to work together seamlessly strategic partnerships people who are just a good fit i have some great stories that i don't even have time to share but anybody that we have brought onto our freedom georgia initiative project has had good symmetry and we're very strategic about never working with somebody we don't like we don't want to look what look at or that we think is not going to have to share the common goal because if i'm going to do business with you i want to make sure i feel good when i'm doing that business and when you're doing the business of buying land and developing it you're going to be in business with a person for a long time at least 18 to 24 months and you want to make sure that there's synergy with the partners and the consultants and the contractors and the people you choose on your journey sharpen the saw always um personally develop yourself personally develop your team find new innovative information in ways to do things so keep that strategy in mind it will serve you for what i'm getting ready to teach tonight it will serve you if you get off the youtube right now take it with you okay and that was seven habits of highly effective people that's one of the books that is my suggested reading in life by stephen covey let's get into it the land i'm going to talk about why buy land we're going to discuss rural versus urban the process best features and things to avoid just so you can see in the corner over there that is my little land that i have purchased with my good friends and family and that was our first event the big black camp out so you're getting to get a little glimpse of where we are beginning our developments got beautiful views and i just love it every time i go why buy land well raw land investments are typically less competitive than residential real estate in the market right now i don't know if any of you guys are in the market maybe looking to buy a home and you have been putting offers on houses over and over and over again and it's like every time you look you're missing out on a chance to get the home of your dreams you might be an investor you're putting in offers and offers and all of your offers are getting passed up because it's a seller's market inventory is really low particularly where i am in my market of atlanta georgia because interest rates are just so low and this pandemic makes people uncertain about where they may move and where they might want to go they aren't putting their homes on the market so we've got a whole lot of buyers but not a lot of sellers so that's creating an artificial inflation of the prices in the market at the moment so we really can look towards land investments as a major opportunity especially when we look at these relocation trends to be able to purchase a piece of land and develop it to really address this affordable housing crisis and to make yourself some money um again it's less competitive than residential real estate when you buy land sellers of raw land investments are a little more likely to be able to finance through owner finance and i'm going to touch a little bit more on that when we get to the money section purchase price and holding costs are lower with raw land so that's something that a lot of times we look at as real estate investors are are holding costs over time especially if you are someone who does burrs and buys and holds you're going to want to you have higher holding costs insurance and taxes and all of the things that you have to maintain when you're holding an actual piece of real property if you buy land as an investment and don't develop it but simply hold it especially if it's in a location that's trendy a location that's likely to appreciate in value over time that is an exceptional piece of property that can then generate a profit for you a return on your investment and you can just hold it for time and hopefully it does become the next place for gentrification or revitalization and you be you're able to have that money that might have been sitting in the bank turn into a chance to sell the property or develop the area and build a home and sell it for a large price so that's the value of um price purchase price and holding costs uh that are lower land the appreciation potential i think i just mentioned that the appreciation potential can remain high even with less than stellar market conditions which is where we are now you can buy a piece of land for affordable price right now hold it and then when this wealth transfer finishes you might be able to have a nice return on appreciation on your land there are countless development opportunities for raw land there is not just developing the land you can put trees on the land and sell the lumber you can create airbnb experiences you can rent the land out for cultural events and festivals there is farming you can lease the land you can do so many things with raw land the only limit is your imagination if you notice at the bottom find land on www.landflip.com go visit landflip.com when you finish this master class start doing your research start seeing where the land is cheap start seeing where people are um look for trends where people are moving to and then go look at buying land in those areas google is your friend rural versus urban there are um i like rural land that's just me you're gonna find more rural land available at larger acreages at um more affordable prices than you will in urban areas urban areas have all the conveniences we already know it's close to the walmart it's close to the uh jobs it's close to all the things the nightlife the stuff you love but there are setbacks to both sides of the fence you again beginning with the end in mind have to have clarity on what it is you want to do with your investment what it is you want to accomplish once you purchase your land if you're interested in purchasing land in an urban area you definitely want to find something that's going to be in a trendy area that doesn't have a lot of zoning and ordinances but be mindful that you need to check the zoning in ordinances when you invest and purchase urban land because when you're an urban land is land that is inside of a major metropolitan area for those of you who are like what do you mean by that so if you're looking at a place like metro atlanta and even the little cities surrounding it like decatur um and uh smyrna those are urban areas with high density lots of traffic and typically there's more crime in the area they're typically higher police and again there's benefits like proximity to shopping work and nightlife there's more noise pollution there's light pollution actual pollution so when you're looking at rural land there's a lot of grants and usda loans that might be available to you as well as opportunity zones you can find opportunity zones both in urban areas and rural areas you need to be able to google it go find opportunity zones you put the zip code or the address of the area you're interested in investing in to be able to find out whether or not it is in an opportunity zone rural has minimum or no zoning order ordinances typically with your rural land it's more of the countryside it's usually about 45 minutes outside of the downtown or center city areas so there's less density there's less traffic there's usually less crime less policing you might have a sheriff's department versus a metropolitan police department so it's a different fill altogether it's more abundant with trees nature and natural resources um less noise pollution less light pollution less actual pollution and there is the um challenge of being further away from your modern conveniences you might not be able to roll up to the walmart it probably closed at 9 10 o'clock some of the stores you like but you also again i'll say begin with the end in mind what is it you want to see with your land investment when you purchase when getting started in land investment i'm going to say it again it's vitally important to understand the zoning laws in the area the way to understand what the zoning laws are is simply to get with your real estate agent to check out the tax assessor's office your county manager's office your city office there's usually a website that has zoning and ordinances you can call your zoning department your local zoning department in the city or the areas you're interested in to find out what the zoning restrictions are zoning is essentially a map a overlay that tells our um city planners developers economic developers commercial developers where they can build in the city's master planning um is this area available for industrial stuff this area is available for residential and mixed use this area is available for commercial so knowing where what the zoning is on the parcel of land that you intend to purchase is essential because you won't be able to build what you want to build without a lot of hoopla i say hoopla what i mean is going through the process of having a zoning variance issued by your city council or your zoning department it's a process it can be done that's the great thing about america baby anything is possible you just need to be able to negotiate but just know that that may be a challenge property buying timeline so um there's a plethora of timelines that are possible in real estate development and it's going to be based on the type of project that you're building when you're purchasing land for development know that the more intricate your plans are the more large the larger the parcel is the amounts of acres that you have will dictate your timeline just as well as your budget so these timelines are very loose but i i bought and i was able to organize my 19 families and buy that 96 acres of land in less than 45 days with my my collective that's not normal so don't think that that's a typical result at all you can take years to find the perfect piece of land if you have an extensive project and vision in your mind for what it is you foresee building but ultimately it will be varying according to what it is you plan to do in the area of course as well where you plan to do it because of the pandemic things have also slowed down significantly and you have the fact that their social distancing issues keeping projects from moving as quickly as they typically would because of being able to keep labor on the project it's a lot going on but visioning is the first step to your property buying timeline i keep saying it begin with the end in my knowing what you want to do with your land is essential and it's going to help lead your search you need to take a few days and get clear about what the community is you want to build if you're building an intentional community if you want to farm if you plan on building affordable housing if you plan on just putting up one house and then doing the next project just know what your goals are then that goal will help dictate your search because there's a lot of reasons and different um motivations for why people are purchasing land in this current state that we are in in america so whatever your reason is for why you want to build buy land and you feel pulled to buy land write the vision make it plain and go searching for the land that's going to be most ideal for what it is you see yourself doing with this land development it can take seven days it could take 180 days i had a person who took my seminar on how to buy land using group economics that says she's been looking for land for over two years because she has certain criteria for her property buying that being that it has access to water that it has flat areas for food plots and flat areas for a home site and it needs to have road frontage and access and it needs to be just in this perfect location in georgia for it to work and so when you have those criterias and those very exact specifications it can take your property search much much longer so that time frame is a larger time frame because it varies based on what you want due diligence due diligence is your due diligence period you got to do the research you've got to hurt you've gotta hire the inspector the appraiser you need to do your soil samples your percolation tests things that are going to let you know that the site you are selecting is going to be adequate for your farming for your building for your community developing so that due diligence period can be 14 to 21 days i've seen them go as long as 30 days and you can always renew that time frame or an ex extend that time frame as necessary with what's called an amendment to the contract once you've placed your offer on the parcel of land that you're interested in purchasing so i that offer comes after you found that search i i should have added that as a part of my timeline but you make an offer on that parcel once you've decided that you know what it's got everything i need and now you really make sure it has everything you need you test the water if there's a well you get the well tested if there is a lot of trees you get the landscaper guy to come in and give you a quote for clearing the trees you need to do as much research as you can on the political landscape of the area who's coming into the area to develop it what's the demographics of the area this is very important because you can't get a whole foods or starbucks unless the people who live there make a certain income annually and they on on top of that it needs to be a certain amount of people who live inside of the area for them to want to come to the area so all of these things this information is essential for you deciding whether or not your investment is going to be a viable investment for you um knowing whether or not the land is inside of city limits or outside of city limits if the land is outside of city limits this is your chance to build a city if the land is inside the city limits ain't no help for you you're gonna have to just do what's going on or become civically engaged and change the landscape of your community through politics and civil um activism closing typically takes 45 to 60 days on land that is so that they can get the appreciation the survey the survey is going to be um priced according to how much land you are buying it's tempting and juicy to say i'm gonna go buy 400 600 acres of land and you might find 400 or 600 acres of land at a price that you could have never thought was possible but you have to look at the cost of surveying that land of developing that land and knowing what your goals are it can take longer than you know it can take 45 to 60 days to actually close on it and so depending on the situation such as your financing appraisals due diligence concern title order all of that can push your closing further away than the 45 and 60 days you um want to work very closely with your real estate agent your closing attorney as well as your lender to make sure that this project that you're doing is moving along okay best features you can find when you're looking for land you're looking for scenic views fresh water sources such as lakes rivers aquifers springs you're looking for access to road frontage and easements you are looking for access to utilities you are looking again for that unincorporated county land that has minimal ordinances you're looking for places that are home site ready flat where you can get on there you can take that road and you can build your dream home and get get it popping quick um road systems and food plots if you're into gardening those are the things that you're going to be looking for when you look at buying raw land that's going to be essential features challenges to avoid uneven rugged undesirable topography if it looks like you wouldn't want to walk there live there if animals don't look like they want to walk there live there it's probably not a good investment it's probably not the place you want to try to put down roots for a development or a community gridlock land you never want to play the game of buying a piece of land that's in the middle of four other five six other people's properties and lands and there's no clear deeded easement for how you can access that land that's a no go you can work to negotiate an easement avoid that if possible no water no well no county water that's another challenge that's another expensive piece of infrastructure you can essentially put a well into your land assuming that there is some kind of aquafire or groundwater that is down there you just need to understand that when you put or dig a well for water because there's no county water hookup or no public water works in place that's going to be dictated by how deep your well contractor has to go into the ground to actually find that water so that can be a cost that is very hard to um determine but you can talk to the local person in the area who does wells and septic tanks because they're going to know what the going rate is in your geographic location that you're interested in developing because they're already digging there and typically the water table the groundwater for a well is going to be about the same for a geographical region or area so you have to get in touch with that local expert challenges to avoid again no public utilities that's another hassle unless you have intentions on living off the grid installing solar power getting with moses west for his atmospheric water generation technology um being able to collect rain water like you unless you own that life and you about that survivor you gonna need public utilities so do not avoid buying land in places that have no access to public utilities also avoid buying land in areas that have overly restrictive zoning regulations places that have um very staunch conservatives and they don't want you know cutting down trees or places that you know are lacked even with their zoning regulations and they just let anybody build whatever anywhere now you're dealing with toxic water being dumped into your neighborhood so you there's a fine line to that you just need to again do your due diligence and again exorbitant permitting fees find out what the fees are in advance for the area you're interested in purchasing land and when it comes to permits you can find that from your tax assessor's office your county manager office what the cost or your city uh manager your city zoning office they will tell you what the fees are what the process is when you are building something that is a commercial project the fees tend to be exorbitantly higher than a traditional residential project so in any case be mindful of this i'm going to go back and mention for restrictive zoning regulations you want to build those types of projects in have to be open to that you need to go find out again go to your zoning and ordinance department in your city in the counties call them up if it's an area that you don't currently live in that you're looking to invest in and find out what they might have on the books as it relates to container homes manufactured homes eco-friendly homes all these new innovative things that you might be interested in doing because i know we got some innovative people out here who want to do some innovative things so find out first before you buy the team all right so now that we've talked about the land we're going to go ahead and get into the team i'm always happy to see my beautiful team on the screen there that is my freedom family shout out to the freedom 19 and my business partners renee ann laura riley cooper i love y'all um but you have to have a team y'all you cannot do this by yourself even if you decide to be a sole proprietor you have to um still have team members in the area that are going to support you that's going to lift you up people who have certain expertise you're going to need consultants so let's get into this partners versus consultants when you start taking on a development project your partners are your llc members or your corporation members the people who put up the money with you to start this business these are the people who are bringing the mental capacity to talent um to this project they get paid later when they share in the profits they are accountable for the decision making to help grow the business or to make sure that this venture is profitable and they bear the financial losses if the venture fails that is a partner consultants different world your consultant gets paid now as they do the work or as you're doing the work so that you can be successful they have a fiduciary and an ethical duty to do right by you these are your realtors these are your lawyers these are the people who have went to school and are specialized in doing what they do you need these consultants in your life and they have a duty once they bring you on as once they bring you on as a client to do right by you but if they mess it up or you mess it up or some factors mess it up they don't bear any of the financial loss if the ventures fail so just know who your partners are and who your consultants are and if you're really strategic you make the people who are the experts your partner in your land development venture so we're gonna get into that your team players you need someone who is administrative or business oriented you need somebody who's exceptionally credit worthy you need somebody who has a positive track record in real estate somebody who is a con a general contractor they've been a flipper rehabber for the last five years somebody has to know what they are doing on your team in that partner capacity you have to have a partner who has that track track record you need a spokesperson and in some instances you're going to have somebody who's an ally if um the people you want to purchase the land from don't necessarily look like you and don't necessarily want to or seem as if they're not willing to do business with you an ally is someone who can make the transaction happen on your behalf that person needs to be somebody you can trust everyone should have a history of financial stability and when i say everyone i'm talking about if you have a team of four people all four people need to have a history of financial stability fiscal responsibility uh common sense and congeniality because if you got that one hot head that cuts everybody out all the time is not going to work for you evidence of earned income people want to know where your money is coming from and you have to have documented income documented ability to show where your down payment money is coming from where the money came from for the contributions for your startup so you have to have that evidence of earned income for everybody on your team and you also have to have no convictions of fraud or death because it's just good business it makes it easier to do business to build strategic partnerships to access government funding grants and all of the different things that are available out here much needed expertise these are your consultants these are the people that you can't do this without that's either your business culture your business attorney to make sure that your business is structured correctly if you are an earner you've got resources for that if you are a part of any of these amazing um platforms that are out here right now that a lot of us watch like their grace society um a wealth standard with 19 keys there's so many good um platforms out here including myself um with my freedom and legacy building with ashley scott platform get a business coach and or a business attorney have somebody that can help you structure your business appropriately you need a licensed realtor real estate agent um unless you are an experienced investor that's been investing for a long long time you have a licensed realtor on your team is someone who sees it not somebody who has not done any deals and not somebody that's so seasoned that they're too busy to get back to you they're too busy to show you what you want to see that don't want to walk around the land with you you really do need someone who's going to be um in the trenches with you surveyor you have to have somebody who is going to be able to work walk through that land and tell you what the perimeters are where your property lines are and you don't want to have a surveyor who's going to hit you over here because when you talk about land acreage again the more acreage you have the more it costs and when you have a good surveyor like the one i have they will say oh i'm the surveyor in this area and you know what matter of fact that land that you want to buy that area i surveyed that piece i surveyed that piece and i surveyed that piece so instead of serving all 364 acres i'm going to go ahead and survey this last piece of the front part and that's going to save you tons of money because they being a licensed surveyor their work is certified they're not going they're going to do what they need to do because they could lose their license but it saves you money so be very particular with the surveyor and again having a surveyor who's familiar with the area that's one of those things you should do is have somebody again who's familiar with the area same thing for your appraiser you want to get an appraiser of the land who's familiar with the area cpa or bookkeeper you are going to want somebody who's good at keeping track of all of these expenses particularly when you are talking about building and you get into the construction aspect of this thing you definitely need somebody who's keeping track of the books and the expenses on your project the developer or the builder they are responsible for that part two but they work hand in hand okay your developer your builder they need to have a track record they need to be somebody you have um verifiable references that they have built projects and that they are in good financial standing that they don't owe people that they didn't walk off the project and didn't finish the project do your due diligence on the builder 2 loan officer you have to have somebody on your team that's going to help you with all the different financing stages and a good loan officer is going to help you get qualified from the beginning to the end for what it is you need to do your particular project whether that's an intentional community whether that's farming whether that is um building a community for the purpose of building a subdivision your loan officer is going to work work hand in hand with you to make sure that you make it to closing your closing attorney that is the person who's going to make sure that the title on your land is free and clear and that you are not buying a piece of property that has encumbrances encumbrances are claims to the land claims that oh my grandmama owned this land and somebody stole it and um there is a cloud on the title because of it there was something that didn't get um marked down in the tax assessor's office so there's some issue your closing attorney is going to do some title research do the work of ordering your title and that's the person who handles that and that's the person who's going to draw up your mortgage documents if you're going to have a mortgage such as seller financing or do an institutional loan your closing attorney is going to also make sure that you walk through every single piece of paper before when you're signing it so you know what you're signing and then finally once you are done whatever the project is whatever it is you're building that you are closing on you got to have a pr agent a marketing team somebody that's going to strategize so that you can make sure that your project is a success because when you're when you're buying land and developing land chances are you don't know also how to market the land most of us don't know how to do everything and you want to have the person who has that experience on your team and let them do what they do okay how to choose your team when a person shows you who they are believe them look at their track record check out reviews get referrals it's not rocket science go with your gut but also go with the information in front of you that you see if nobody has anything good to say about this person don't you give them a chance you go ahead and find someone who is reputable and that's how you build about the money this is the financing portion of your land and development we're going to talk about institutional funding seller financing private lenders and crowd funding institutional funding this is where the slides get um less cute with visuals right but it's a serious matter farmers.gov is a website that i want to um tell everybody to check out you might not have any intention of farming but with what's going on with food sovereignty being able to purchase land through the usda and um loan products that are available as well as being able to um take advantage of any grants and different things that are available with food sovereignty projects it's a no-brainer look into farmers.gov that is a great resource when you are purchasing land um institutional funding is your typical funding that's when you go to wells fargo bank of america uh chase or citizens trust bank unity bank and you say i want to buy this piece of land i would like to build a home on it and i would like to sell it they've got the best rates but it's the hardest to get so you're going to need to speak to multiple lenders and you're going to do best by starting with a bank that you already have a relationship with so this goes without saying before you try your hand at investing in any land you should be credit worthy you should have an exceptional credit score you should have money and savings in the bank at least you know 25 of your disposable income should be saved in the bank before you start um buying land and investing in this way yes you can buy affordable land at affordable prices cash outright and if that's the strategy you want to do by all means do it but if you're going to do a development project of scale you're going to need institutional funding and to get the best rates and to even be considered by a traditional lender you are going to need exceptional credit and experience that track track record again there's ways to get around it if you don't have a track record and no one on your team has a track record by partnering strategically with your constructor your excuse me your builder your developer speak with multiple lenders set up your llc again talk to that strategy that business consultant that strategist that business attorney put your llc into position by having the best most credit worthy people on your llc people who have experience in maybe they have been a general contractor um if you have someone in your family or in your friend group use the people who are in the best position to be able to go after institut institutional funding if you do that um seller financing is the better option if you know you'd have less than perfect credit hold on cuz we got to hear that we got to hear that the the the good folks at zoom something your sound keeps going in and out they're trying can you repeat that because your sound your sound is cutting off like every like 10 minutes for like a minute i don't know i don't know what what's going on but um can you can you start back at the beginning of seller financing please yeah we can't we can't let that go on muted yes i apologize i probably have an unstable internet connection it's all good any time anytime that you do that again because i um we don't want anybody to miss any information like when your sound goes out we'll just start talking because it's usually like only for like 30 seconds yeah so then we'll start talking and then we can just bring you back into just so whenever you hear her start talking just know that your sound cut out and then we'll just bring you back in when your sound comes back on yeah cause i got my notes ash and i'm like wait wait what just happened let's go get the information hook a crook man they can't that's a fact shout out to every shout out to everybody that has a hand raised we're gonna get to that uh when ashley's finished with the presentation we see the questions we're gonna get to that all right bet seller financing what i was saying is it's usually a better option because seller financing typically does not report to the credit bureaus sellers typically um just want to get their money and as long as you pay them they have no reason to report to the credit bureaus so that means your debt to income ratio is not going to change because that debt that you have on that land is not going to be reported so you know it but nobody else is gonna know it so seller financing means you could go and put loans out on 20 properties real quick and start flipping them on how you might see it as an opportunity and your debt to income ratio is not going to change and you'll be able to move on your projects or get institutional funding as needed or additional credit cards as needed without these land deals being on your credit report and pulling your debt to income ratio to a lower um score so with seller financing is scamming season so be careful people will put a picture of a property up act like they are the seller and you go and you're like oh i just bought 25 acres for five stacks and you did not just buy 25 acres for five stacks so make sure you are doing your due diligence that you're checking the tax um records to make sure that the person who says that they are the owner the seller is the seller check with the listing agent make sure that the listing agent is an official broker and you protect yourself in every form or fashion by going through a um closing attorney on your seller financing deal that's how you cover your assets okay don't go do a seller financing deal straight up and you might not actually end up buying this land unless of course you are again a seasoned investor a seasoned real estate investor that's used to buying properties and putting deeds in at the tax assessor's office and with the court in the county if you if that's not you you need a real estate agent and you need to close an attorney to ensure that your transaction with the seller goes through smoothly another note with seller financing or what's also known as owner financing you negotiate with the seller you can negotiate what you want and they can negotiate what they need so it could be a 20 down payment it could be a 50 down payment it can be um a flat monthly rate of interest only with a balloon payment at the end so make sure that you do good negotiating so that you get the best financing terms possible so that you don't end up overpaying for this price of land because if that's the case you hustling backwards so negotiate make sure that you got your best negotiator doing the negotiating and you don't lose your shirt because you're financing an exorbitant interest rate you putting too much money down any of those things can be a bad situation so negotiate negotiate negotiate and make sure final note that the owner owns the property outright ideally if the owner doesn't up own the property outright don't buy it if the property itself has a mortgage on it that's going to be more than the down payment you're going to pay because when you pay that down payment you want that down payment to clear the mortgage no out that way you can end up with the deed in your name from that moment you leave the closing table that deed being in your name means it's your property you can get usda farm um benefits you can get all of the things that you need but as long as there's a mortgage on that property in that seller's name this deal is a no-go in most states you can't have a property and sell it while you still have a mortgage on it so be mindful that that mortgage needs to get cleared and if it can't get cleared it needs to be assumed and you need to go through the process of legally assuming that mortgage with the mortgage holder and do it the right way because you do not want to lose your money private money lenders highest interest rates hands down that's not the way to go if you can avoid it but it's easier to get most cases it's based on the deal and you can also get private money from family and friends if you are lucky enough to have people who are financially astute and who have savings and are interested and able to invest in deals like land deals and new new construction opportunities so if you have somebody in your circle go get that private money first negotiate negotiate negotiate win win right um and if you don't have private money available to you in your own personal network you can go to a hard money lender hard money lenders are essentially borrowing the money of all the people in their network to be able to make loans to you at exorbitant interest rates um a good interest rate for somebody who has a pretty good credit score who wants to bust a move before their business has been in business for at least six months because typically all of these financing opportu options except for seller financing you're going to want to be in business for at least six months unless you're doing a farming business in which you can use a usda startup loan um to fund your land purchase and your farming operational expenses um but otherwise you are going to um need to have been in business for at least six months um unless you are again going with a hard money lender if not your hard money your heart money lender is going to look at the credit score of the primary or the managing partner if that person has like a 700 credit score or better you don't have to have been in business for six months again typically the deal will dictate the um private money lender situation where you might not need to have good credit but you definitely need to go and have these conversations again negotiating with your private money lenders my favorite private money lender is direct lending partners they typically do not do deals on land most private money lenders or hard money lenders do not do deals on just land but again this is america anything is possible when you negotiate and open your mouth crowdfunding less hoops less successful crowdfunding when we started our um when we decided to purchase land when we were looking at tombs borough we went on to go fund me and we looked and seen about 15 or 20 crowdfunding campaigns of people trying to fundraise the 1.7 million dollars for the city of toonsboro right crickets on all of the all of the crowdfunding like nobody raised more than like a thousand dollars on any of these um crowdfunding website on these on this gofundme so crowdfunding while everybody gets really excited about it as a option it's not usually successful unless you're very strategic and you have a huge marketing campaign and a great story we were able to raise over 87 000 we're almost close to our 88 000 goal and we used that as a kind of like a building fund where we were able to clear our land and put down gravel and you know lay down um areas for us to do our uh pavilions and our stages and all those types of things and so that was a long and hard process to raise eighty-eight thousand dollars and we still haven't reached our goal so i i crowdfunding is an option uh it doesn't take a lot other than a strong story and marketing campaign um but they don't tend to go as far or be as successful as you would like them to be and it takes a ton of money to be able to genuinely develop large projects um especially when they don't have you know connection to certain infrastructure so crowdfunding is definitely um a later choice and then there is um regulation crowd funding which you can raise up to one million and seventy thousand dollars i'm not very familiar with crowdfunding and um i would love if uh troy and rashad could get somebody who has done some crowdfunding in the eyl university at some point cause yeah we did chris senegal um chris senegal and i'm sure he'll come back again and he'll get he could do it we could do a class on crowdfunding for sure yeah but yeah he had a very he had a very successful crowdfunding campaign that they raised over a million dollars see what i'm saying so we i i can't speak to that but that right there this is how we really start to develop land deals so that's something that you guys are going to come to have to become earners and come back and get this uh class when it comes right so let's get to the bill the discovery period there's a master planning period there's a design phase a construction and marketing discovery starting from scratch means you need to discover the limitations and the restrictions of the land i saw somebody in the comments say something about um feasibility studies that's this moment of discovery right you can do a feasibility study before you buy the land um but that's a whole lot of money to put into something um and then decide not to buy it or go forth if you study the area you do your due diligence you know what's happening in the community you've got a clear vision when you purchase that land you can do your feasibility study after the fact because developing land is really a lengthy process it's not an overnight success type situation it's going to cause for a civil engineer to come in to study the grading and the slopes of the land there's going to be someone who goes and drills into the dirt to see how much weight the dirt can withstand so you know how high you can build and what you can build and what kind of materials is going to be best based on the climate i'm skipping ahead but ultimately this discovery period is where you're going to get your topographical survey done and you're going to want to understand the demographics of the area again what the median income is are people graduating from college is the crime rates high all of that good stuff um so that is your discovery period your master planning period this is where your person that you hired as your master planner looks at where we're going to put everything at the infrastructure and the roads ingressing egress means how you go into the neighborhood how you go out of the neighborhood how you go into your driveway how you go out of your driveway waste management storm water runoff they're going to plant all of these things you are not the person that does that there's a master planner a developer architect a civil engineer there are a team of experts that sit down and do your master planning if you're doing a large scale process project if you're doing a smaller scale project you still need the same people but you might be able to work with a boutique company that has two three four people maybe they're wearing the same hats but master planning happens nonetheless master planning can cost anywhere from 150 dollars to 750 an hour depending on the experience of the master planner and so you could be looking again depending on the amount of the pri acreage of the project are we talking about developing 10 acres of land one acre of land are we talking about developing for 400 acres of land that master plan to lay out those streets those roads all of that design from the information they got in discovery from that topography report they're gonna do all of that and it can cost anywhere from 10 to 50 000 or more depending on how much land you are getting planned and who the planner is design phase designing is the next step to your development process this goes beyond that initial discovery phase into building homes and structures and retail and commercial based on the climate the area um the needs of the citizens areas that are prone to like tornadoes and hurricanes they will require a different kind of building materials than places that are um dry and don't have those type of um climate changes and issues um so all of that can increase the cost of what you're designing and this is where you can um make a lot of money or lose a lot of money because you can overlead design and you design something that's too high-end for the area and now you're not selling because it was not the kind of design for this neighborhood community and culture purchasing land where there's wetlands deep valleys other topographical challenges that's going to create larger budgets because now you're talking about building bridges and how you laying your foundation so all of that stuff is a part of the design phase and it's going to create and have a certain budget that will change according to the complexity of the design and um the uh what's the word i want to use the sweat the the style the aesthetic of it okay construction this is the second to the last stage of the raw land development process in most cases it's going to be first your horizontal development that's the grading of your roads that's the curbs that's utilities um eventually you know you're going to start building the property from the ground up when you looking for a contractor your construction team they're going to get paid in increments from your construction loan and once um they have gotten all of the construction done you're ready to go on to the next phase and construction again can take uh longer time frames based on the complexity of the design the materials um chant uh leaks in the supply chain of trying to get certain materials to you if you have certain materials that you are using because you're committed to green building or you have a high-end design all of that can lead to higher budgets and costs when you're looking for a contractor or contractors you can google what state what city you're in if you want to hire you know a minority contractor a black contractor google that put georgia minority contractors association put florida black chamber of commerce put um dc business league into the results call them up and find a reputable contractor if you don't already have someone you know brandon and marketing that's the last stage once you've gotten your building um done before you've gotten your building done to be perfectly honest branding and marketing is what's going to sell this community that you just invested your time energy and money into branding is how you sell tell the story of why you built it and attract your ideal residents to the community and marketing is the active placement of materials and formats that will allow them to see that story and get that story in front of the masses so i can show you better than i can tell you and i'm going to take you to a community right here in georgia that's dope in marketing this is called trillis this is a community that's been being built over the last 10 years it's actually a community that was founded by a production studio called pine wood studios it's in fayetteville georgia this marketing is what attracts their ideal client their values is what attracts their ideal client the community that they are building is for makers entrepreneurs and storytellers where they can find fulfillment in every way this is branding a community tailor-made for storytellers well it was a studio that purchased land built it up similar to what tyler perry did when he purchased land in east point to build tyler perry studios he they built a community that's that economic development it's got restaurants in there um homes and so when you are considering land development and what you're buying things happen in phases and so i wanted to show you this because when you start talking about doing a lan project you have to have vision and you have to know where you're going so i wanted to show you guys trellis and i'm going to show you guys close that door please starboard thank you yes and serenbe georgia again marketing it just looks like the kind of place where you want to live right they got goats so when you start thinking about your project begin with the end in mind and think about who's going to live here and build for them and build in a way that the story is compelling that's what we're doing with freedom georgia all right now i'm going to take you guys to the final stage and i got three minutes before we go to questions some insight and inspiration don't wait for opportunities to come get up and make them madam cj walker discharger chartering a city listen if you are interested in chartering a city hit me up but the reality is as we begin to be more strategic and work these ideas and principles of group economics and collective um economics and we're building collectively communities that are safe that are thriving the logical next step is a city charter a city charter is going to open you up for benefits that will give you more control over your community long term when it comes to how your community is develop police the zoning the ordinances the health outcomes how money that gets sent down from the federal government to the state government gets distributed is based on these cities and um their populations and density so all you we really got to look at how being a city and taking these developments where we're building our own infrastructure building our own culture of shared values then we turn go to the next step which is a city charter and and electing officials who are going to represent our values and do what's best for the residents that live in this city this is called place making is what we're doing it's not just about land developing this is about making places where people feel safe where people have peace protection prosperity and a city is a government structure that allows that to actually happen so that's our next step that's what we're going with this so get strategic work together with your comrades with your partners with your like-minded business folks in the area get with your economic um development authority get with your black chambers of commerce's and let's start building these cities according to our needs our desires this is how we be strategic this is how we do this learn with me if you're interested in future stuff i have four different um platforms i have my how to buy land using group economics it's a three hour seminar because i can't give you everything here in this hour and a half but that three hour seminar is a perfect deep dive go to bitly um backslash seminar bundle deal to order that is available you get it instantly into your inbox it's four videos 12 hours of q a answers and information that is even at a higher level than what we did tonight i have my community freedom and legacy builders where we are engaging i've got my branding boldly for realtors and i got my mission driven agent so collar at me ashley scott at kw this is wrong my assistant did this page shout out to porsha i'm mad at you that i don't have the right instagram handle it's ashley scott kw and freedom georgia 2020 and my email address is ashley scott kw.com if you need me you can find me there and i'm ready for questions y'all all right yeah so that was that was powerful thank you thank you that was uh that was an amazing presentation so i don't want people to take that lightly um it's like you know for all the years that we go to school whether it's elementary uh high school uh college even master degree programs uh me personally i never you know was taught the process of buying land and and this stuff is you you would think that this would be one of the key things that would consist of an educational experience because we all have to live somewhere and land is the key component of the planet earth and um it never it never was actually taught to 99 of us so um it's it's amazing that um you were able to come on here and teach this and um we're thankful so thank you for that and um you know it's also amazing that we was able just to even have this platform to actually educate people and it's the very encouraging thing and um i'm sure everybody is extremely appreciative of it but do not take it for granted sometimes when you when you get things and it's free you don't fully appreciate it but it's like you know um this could have been harvard this could have been yale this could have been any any level of education i would uh i would argue that this would this was right up there and better than what anybody else could have done whether oxford anywhere in the world so that's that's extremely powerful and like i said this kind of information can literally change the trajectory of our um you know existence in this country and is uh something that we have not known about for hundreds of years for centuries so now that we're coming into this information it's important that a we learn as much as possible we apply it and also we work together as a group so yeah that's that's something that is uh extremely extremely powerful so once again thank you so what we're gonna what we're gonna go into now is question answers for about 20 minutes so once again if anybody joined late this is um a special edition of eyel university so once a month every single month so with ewl university where educational platform outside what you see on the podcast the podcasts are episodes where you learn a lot this is more of a hands-on learning experience so every single wednesday at eight o'clock eastern standard time we bring um experts from the field in and they teach a class via zoom and it's on everything everything from how to wholesale real estate to how to analyze a real estate deal investing um cryptocurrency you name it we've had a class and we're going to have more classes um and then that's every week and then every other uh sunday is our book club headed up by troy and then the alternate sunday is mg a mortgage guy he has a real estate uh call and then once a month i do a financial planning call um so those are all the things that are in existence of ewow university now right now but as i said we're actually we're putting eyl university the undergrad department as you know it we're gonna we're gonna end it this is this will be the last week of ewl university as you know it uh we're taking a winter break for two weeks and then we're coming back in 2021 we're coming back to 2021 with a whole new revamped product we're gonna have a professor series where we're bringing in experts to teach classes four times a year so it's not just going to be one-offs because sometimes it's hard to learn with just a one-off class so we're going to do four different classes this business is going to teach about taxes ash cash you're going to teach about financial literacy brandon rule will teach about real estate sabine will teach about uh all things legal uh quentin martin will be our investor uh teacher um kwami anku will teach about a variety of different business topics and credit dude will teach about the uh world of credit and i actually i heard might be interested in being a professor also so i don't want to put her on the spot but no i'm in there i already said i am down so down how much let me ask you this because you you're you're a member of ewow university how has your experience been so far you just joined a couple days ago but how was your it was not a couple days ago it's been a couple weeks thank you very much don't try to play me like i just signed up like i just jumped on your bandwagon okay i actually signed up after i did the first eyl university with y'all um one of my partners greg mullin shout out to him congratulations was part of the interview shout out to kev he's also an earner so i was like oh i can't have kevin and greg getting all this good information without me so yeah it's been a great experience like i've just been going hard in the real estate section but it's like so many classes like i'm not even like it's too much i'm like it's a lot like it's stuff though i've watched two classes i literally sat there like taking notes and i was blown away by the level of information and insight that i was able to get as somebody who know a little something you know i still was able to learn which is really cool yeah we're going to i just don't know we always we always go over delivering and under promise that's that's uh that's kind of how we're living right now and it's like the most the most successful people always are investing themselves and uh but ashley obviously she's an extremely intelligent person and um she's like yeah i want to be an earner i'm i'm not i'm not above being a member of iwa university and she joined i didn't even know she was joining she joined and um she became a member and she's studying herself so that's that's dope and that's that says a lot um so thank you for that so we're gonna get to questions but um before we do like i said this this is the last thing that we're gonna do for ewow university this this uh this year on monday we're changing it and then we're going to come back january 1st if you're interested in joining e1 university like i said we're revamping this whole thing we with the revamp everything is changing including the price the price is gonna double because we have we're paying professors now we got a full time um admin everything is changing we're really really taking it to the next level if you join today it's 40 off which is 400 400 for the entire year including 70 classes all stuff i just named your grandfather then for that price next year um and yeah so this is the last 48 hours you got 48 hours before that changes so if you're interested i pinned it in youtube it's eyluniversity.com into promo code freedom at the end at checkout and uh i mean like realistically 400 that's that's like a that's a good dinner with two people in new york city that's a good dinner two people a bottle of wine so to have this level of education i think that we if there's nothing comparable to it especially for that price point um i mean people charge ten thousand dollars nine thousand dollars for for that level of education for a lot less a lot less actually yeah this is this i always say man that there's there's no platform that has this much information in so many different areas man so like you said this is this is the in college this is like two textbooks that you're not even gonna use because they're gonna give you a new version of it uh the next semester so actually ashley's presentation was a book that was actually like a book like if you if you put that in book form that's about 140 pages and that was a scaled down version yeah that's crazy that's crazy so so yeah we're interested in having all you guys join is pinned i'll put it back in the youtube it's uh eyluniversity.com into promo code freedom and uh the price will be doubling it's the first time the price has ever doubled but we can do that in good conscience because we're giving you a heads up so we're giving you a heads up that the price is doubling um in two days so troy let's get a couple of questions let's do it you know what i'm going i'm going to my man uh let's see john palmer i'm mute yourself you've been on mute he's been putting questions in the chat he's been really locked in so john what's going on yes sir how you doing this evening fellas everything good excellent man excellent excellent presentation ashley i really appreciate that the value you were putting out so um definitely uh so i i had a question in regards to and which i think actually kind of covered but uh the getting uh lenders who are let's say if it's a developed land i was having a hard time recently trying to find ones who were financing um and i had a bad experience with with one in in north carolina so um if you have any type of i say advice on how to bounce back from something like that um i'm i'm all there is to that but i just want to kind of you know share my my experience and see if you have if there are any alternative ways to to uh finance things as you as she mentioned it's you know there's different ways but it gets you know it could go be an uphill battle so um that was really my my my question yeah so institution thanks john for listening thanks for your question institutional funding is hard it's the hardest one to get um you have to be pristine you have to have a strong business plan you have to have a track record and for a lot of folks that ain't us right so you have to be strategic by partnering with someone who does have that track record and really putting together a solid proposal for especially affordable housing right options because if you're not really talking about what the major need is right now institutional um lenders aren't really interested especially being as though we're in the midst of a pandemic these covet um cautions is what people are taking they don't want to invest in someone who's never done this before so your best bet is going to go be seller financing it's going to also be um in getting private money reaching out to your network of people who you know who like know and trust you who uh know you have a good business mind and again having that really solid business plan is how you're going to be able to even attract those people you can't ask your family and friends for money and your plan's not solid either like if you can't get it from the bank you definitely ain't going to get it from your mama if you're if your plans aren't solid so you definitely um should look to seller financing as an option and just don't give up keep plugging at it and refining your plan and talking to more um developers more contractors get really involved if you're not already with a um chamber of commerce or a development authority so you can start networking and building more solid relationships with some of the um institutional funders and people who might be in a position to help you make it happen appreciate you appreciate you john thanks ash oh we're going to the h-town we're going to i haven't heard from my boy in so long darius what's going on man um mute yourself you've been unmuted hey what's going on what's going on am i loud and clear yeah bro you good bro that's what's up hey for everybody that's listening but everybody that's listening i just want to piggyback a little bit off of wrote rashad said man come and join wakanda man following eyl on social media is just not enough following on youtube is just not enough come and join the gang like real talk we waiting on y'all facts oh my god real though we waiting on y'all my um my question for our teacher is this right here um i'm personally kind of uncomfortable with the concept of pure land investing right and just from a just from the perspective of it doesn't produce cash flow immediately but i know there is a sub-market of it which you kind of spoke to a little bit and that's the minerals as far as going into land for the purpose of generating income uh and i know that the main way of doing that is through minerals is that a difficult thing to accomplish of like focusing specifically on land that has valuable minerals associated with it it's not that it's hard it's like anything else that's got a business you have to know the business you're gonna have to put together a business plan you're gonna have to hire the consultants the people who are gonna actually help you to mine for the minerals and mining is a whole process and you're still gonna need some kind of institutional funding to get the manufacturing or excuse me the um equipment that you're going to need and hire the people in the team to do it so yeah it's not going to be an immediate return on investment it's going to be more investment and typically land that does have minerals on it those minerals have been spoken for unless you are discovering those minerals for the first time on the land that you're buying and typically that's going to come out in discovery and if you come across a precious mineral of some use while you are doing your discovery period checking the soil drilling and all that jazz then you'll be able to utilize those mineral rights but sometimes those industries are all sewn up and people have been working in those industries for so long that they have the ability to potentially box you out so you just need to do your due diligence when you're looking at that everything at the end of the day is going to be do your research find people you can trust and be mindful that if you do find minerals it's going to likely come after the purchase got you appreciate you darius got you hey bro i was looking i was looking on landflip.com man texas got a lot of land we're gonna have to talk well yeah we got we got hundreds of thousands of acres available in texas you might find some oil so like that's where the mineral rights can't come and play real good but typically if there was already mineral rights if they found that mineral right that oil there they got that locked up they're not selling you that land and those mineral rights too that's just not unless like it's unheard of that it's possible anything's possible because this is america shout out to tammy in the chat she said her family uh has mineral rights on a land child there's that earner with with the mineral right shout out to you tim yeah wakanda forever right let's go to uh jennifer green i'm mute yourself you've been unmuted what's going on hello um thanks again ashley for all of the information you've shared so i have a pretty decent situation going um my father recently about a year and a half ago gave me about 15 acres of land in georgia congratulations let's go thank you um so he he gave it to me basically and was like you do what you want to do with it um right now it's in my name and my brother's name um and i'm currently paying just i think my taxes every year about 500 um so basically i'm kind of at a standstill about what i want to do with this land um and being that it's in a it's in a completely rural area um it's outside of the city limits of fort valley georgia uh which is little georgia and i'm kind of leaning towards the whole situation with like using the land to grow trees um yes that was what i was gonna tell you you took the words out of my mouth jennifer so yeah that's what i was going to ask you about if you had any experience or if you have any resources i got some insight so let me tell you first and foremost the thing you want to get with is usda's department of forestry the georgia department of forestry you want to also get a farmland number a georgia farmland number with the georgia department of uh with the usda um what you want to do is if you haven't done so already you put your land in what's known as a conservation use um kuva is what they call it agreement that's going to save you an immense amount of money on your taxes it's a 10-year program but while you're growing your trees the georgia department of forestry will pay you to plant the trees to grow the trees and the minute that the trees have matured you cut those trees down at the end of your kuva agreement and you can either do it again or sell the land um that's a whole lot of game gameplay that's a whole lot of game right there sell the trees so it's called the kuva agreement c-u-v-a yes the conservation use agreement that's your t how you get taxed and you save on your taxes almost 60 percent annually i hope y'all soaking up this game right here man this is this is crazy this is crazy that's great let's see uh shannon we coming to you i'll mute yourself you've been immuted jennifer thank you for that question oh so actually when we give them some time but there's something we call no fridge breaks so if you if you [Laughter] if you got up to go to the fridge and we caught on you then we got we gotta go to the next person so i'm gonna go to the next person uh nehemiah we coming to you i'll meet yourself you've been unmuted peace to the guys piece of the guys you know i want to thank everybody um especially uil i've learned so much you know i've been an earner for about two months but let me get straight to ashley um my family has land in georgia over 100 acres we've had at least on that particular land for three years with a cotton company king cotton the lease is up and now the question is the fact that the land has already been cultivated is it still i guess ideal or is it what would be the process or is there some type of way for us to develop it and build a city i mean yeah it's a cost analysis that you have to look at okay so if you wanted to build and and are you you're in georgia so it takes 640 acres to build an actual city so the hundred acres for us was just to start and you gotta get at least a mile radius in order to actually be build a city you can absolutely build a community a subdivision development little town but for you to get cities hood status it's gonna take a few more factors and having at least 640 acres is the the land requirement right but beyond that the least you can continue to lease certain areas and working phases so instead of taking all 100 acres and trying to do something new start with like 10 acres and build a little subdivision then you see how that goes and then you do and then you get some experience because the more experience right right the better rates you get the more opportunities you get the more leverage right so i wouldn't i would the fact that you have the lease especially if they plan on renewing the lease that's money in the hand like we always know a bird in the hand is better than two in the uh in the bush yeah yeah yeah you definitely want to look at okay when i renew this land lease we're gonna you know let's go ahead and subdivide 10 acres out because we're going to go ahead and start developing on this first 10 acres you know what and i really appreciate you saying that because we were leaning towards that because we were obviously inspired by the 19 families purchasing a city saying well this is for us you know and i've studied case law for about six years now and there's actually a case law of a senator in florida back in like 1930 or something like that right he had a land that turned into a park after his death but he put it under a trust and the trust and denture agreement basically stated hey this land is strictly for whites but if we theme necessary we'll allow other races to you know participate on our national park and it got to a point to where you know he passed on and then the city had to live out his trust his indentured agreement and they was like listen hey no more blacks is allowed and blacks were you know protesting people was hating and trying to figure out why we can't come on this land they're fighting it and they lost in court once they read the indentured agreement saying hey this man put this land under a trust and it's specifically for white use only you know so once i read that case law i realized the power and trust in owning the land you know so but i appreciate that though we really i really just learned a lot thank you they might appreciate you man yeah we just got a whole social studies lesson man right yeah like look you like i'm like okay case law [Laughter] you never know what's going to happen on here man oh yeah [Laughter] whatever he said i believed at that point yeah actually i just want to give you credit and your entire team man y'all are really changing the narrative i don't know how many dms or messages we got about people wanting to get involved in some a project like this so i want to just publicly uh thank you for that so anybody that has not listened to episode 108 shadi you want to say your line please doing yourself a tremendous disservice that's the fact let's go to leslie leslie what's going on mute yourself you've been unmuted hello hello my name is leslie valencia i'm a city planner by trade i i'm very new i studied it but i'm very new doing it as a profession um i don't say the name but i'm a city planner with one of the most popular cities in the bay area and i identify as an artist i worked in cooperatives um i worked in the cannabis industry and i have these big dreams um of living intentionally and um you kind of answered the question um previously but i wanted to just get you i think you're brilliant you're amazing my dream is to create a community now it is to create my own city um and i just want your advice on like what would you what type of advice would you give someone like me because i know that i have this great opportunity i have a lot of privilege right now and i don't see myself being a city planner forever and i just want to be really strategic about what i need to learn and what i need to absorb so that i can you know make my dreams come true and i just want to thank you for being like an amazing inspiration oh thank you leslie well i'm super excited for you because like people like you leslie is how we get to build dream cities you know like we have to network we have to be strategic so one of the first things if you aren't a part of the federation of international communities leslie start there um it's a non-profit organization that does a lot of work with intentional communities um i just did a wonderful bipart panel with them about living intentionally and so what i would suggest is to start building your strategic partnerships as early as possible because that's really what's going to be how you succeed in your city planning having all of your stakeholders and the people um who have that expertise to help you build a community with those intentional values that you want and it takes those stakeholders voices to really flesh out the vision of that plan and so getting with you know sustainability communities um one of the things that i'm involved in is the black uh sustainability summit um again those chambers of commerce the um development authority uh just building those strategic partnerships is the first place to start and getting involved in associations as early as you can such as the municipal corporation um association uh there's the nationals the national league of cities so get involved in those if you aren't already and take the fact that you are already a city planner and use that to your advantage and get as much personal development as you possibly can and partner strategically with those community activists those real estate agents those people who are you know on the ground who are going to have relationships with the people that your place making for thank you so much ashley i i feel like i got all the pieces scattered everywhere and and you've really been helpful in in trying to piece them together thank you so much you're welcome thank you ashley i see you i see you have a special guest uh yeah we i mean we got two for one she wants to say what's up she wants to say what's up she's like i'm getting ready for bed she got it like it's time to wrap this up world it's so it's almost over we got we'll take one more then we got a special guest coming in but that's the power i wanna i wanna graze over that too i wanna highlight that that's extreme that's the power of women she's uh giving a mastermind presentation while still being a mom with her daughter in bed she's about to put her daughter to bed that's extremely that's that's if you really think about it that's an extremely powerful visual right there um i'm sure her daughter without even knowing is is soaking up so much information from her mom and um like i said that's the power of a woman to be able to juggle and do so many different things you know if it was me if it was me i would be extremely stressed out at the moment i would probably have my son like yo go play your video game and just chill out for a minute but uh who knows kudos to all the women out there that's able to multitask take care of family take care of home and still still uh educate educate us as you can shout out some of my bennett sisters on here like i see and my girls high like i'm like i know these people so thank you christine miner i'm like oh my bennett sisters my girls high girls are earners out here so i appreciate that i see names and i remember my folks because in girls high are very small places so you know when you see a name you're like i was in auto classes with her shout out it's crazy if if it was worlds of verse and like my son was down here i'd have to turn the video off i'd have to turn the video off man and it it's just incredible to watch uh mark you've been waiting all night man typing in the chat mark you been unmuted my guy you can hear me yeah we hit perfect i bet listen i purchased a lot right i purchased a vacant lot last year so lame i bought it for 22 000 right so right now i'm in i'm in the processes process of going through zoning because i'm trying to build a triflex i was wondering if i could get an fha 203k loan to build on it um for new construction yes it depends on how much is it going to cost well i looked up the the city limit and it was like 600 to build it's not gonna cost that much it's only gonna cost around two something hello hello oh sound might have went on again but um well i'll pick up for that um hopefully hopefully she'll be able to come back soon but um i was wondering if it's possible for the fha 203k to just build your construction from the ground i'm gonna ask matt actually um yeah i was trying to contact matt but to gain contact with him his heart i'm personally i'm personally ask him that question and we're gonna put the answer in the facebook group tonight so just try to try to check the facebook i think ashley's back i think she's back i'm not even in the facebook group you should you're doing yourself with this search i just got on this because when i signed up for his blueprint i i i learned all that information first and then i went to this show because okay okay joining the facebook group tonight we're gonna be gonna put the answer to that um hopefully we're able to get ashley back on but in the meantime troy can we can we get janet on before i mean come on man you know i'm a wizard when it comes to this she's already here bro janet what's going on hey guys how are you you guys hear me and all that so we wanted we want to introduce um we want to introduce janet we we talked about the young lady that we brought on as our first employee our first full-time employee this is a big deal for us first first full-time employee was janet and janet was just a wonderful person that um was a member of ewy university a strong supporter and she was just like going over and above like she was putting together accountability group she was just doing everything like yo she's adding so much value like we gotta like bring her on full time and um like i said at the time she was working for the corporate world she was working for fidelity which um you know obviously it's a you know it's a good company it's not earn your leisure but it's it's okay um so we had to call we had to come correct she wasn't just working at you know just uh anywhere she was working at a a fortune 500 company and uh you will use the best job i've ever had there we go that's love so this is how serious man nobody does it like earning a legion man we took one of the top talents from one of the top financial firms in the world and uh we were able to bring her to eyel university and she's gonna help scale eyo university to be the biggest educational platform in the world and uh so yes can you just talk a couple of minutes i just want to introduce the people to you formerly once again we appreciate you you're you're you're an amazing person an extremely talented and hard-working person so um hey we learned a valuable lesson if you want to do something right have a woman i am a woman i a woman yeah that's a valuable lesson if we want to tell the ladies out a special shout out to ashley you absolutely killed it that was incredible and i have like a dream of having my own little farm one day so i'm like taking notes so thank you i think you're my long-lost cousin from somewhere you know you never know um so yeah um thank you guys so much for this introduction it's been an absolute honor being an earner and being able to help and be on this side is just amazing i really mean it when i say i love doing this and um as you guys know like we've built this well you guys have built this beautiful community and really it's so open it's a safe place and for me it's like with eyl it's tapping into my um how do i say it like um it's like a heart thing for me i don't know how to explain it but like when i do this work and we're talking we have book club and everything it's like i lose time in it and i have to stop myself from working at ualu sometimes because i just see it being there's so much that we need and like we you know we always encourage earners to use their skills it's a great place for you to practice what you're learning you know i wasn't always like i was i'm still a little nervous right now but you know i've come a long way from being on these zoom calls with eyl and stuff so feel free to use your skills practice with us it's a very safe place and it's about lifting up our communities and working together and that's my biggest thing and i love it like we are going to change our communities we're not waiting for anybody else you know my block belongs to me i'm gonna buy this block right so it's about us taking care of each other and sharing what we know and ashley's a great example of that when she's talking about 19 families coming together you know having a safe place for our people you know and and so um i'm just so honored to be here i hope to see some of you guys tomorrow orientation um where we talk about the facebook page and the website and all these great things we're rolling out in january so yeah i hope to see some of you guys on youtube on the other side yeah biggest the biggest the big the biggest in the game man like y'all gotta you gotta appreciate what's going on man this is a whole it's a whole entire movement like i said we started you got to understand how earning leisure started it started in choice dining room um with just some iphones and now you know we have we have a media company um we're going to start producing podcasts uh eyo networks we have an educational company um where we have a variety of different education and we're gonna blow that up we have full-time workers um everybody that we employ is uh from our community relates to us know us we're stimulating their economy and they help stimulate our economy if you can't respect that your whole perspective is wack you know we have to throw that in there that's a fact man so janet once again it's been a pleasure um everybody if you are a member of uil university check out her um she will be hosting orientation tomorrow at seven o'clock zoom link and shotty real quick real quick i i just want to say this janet is our first our first person that we fired but she's not going to be out last so we should not know we see the level of value that everybody is adding and trust me we're going to need more help as we grow so trust me all our top earners we're watching we're watching very carefully appreciate it's like just like we we watching we're watching we're watching the greats just like tyler perry um built built his compound in atlanta and he's hiring all these people we're gonna have the same thing we're gonna have we're gonna have um people directing things for us we're gonna have kids out of college we're gonna give young brothers an opportunity to get off the street corner we're gonna give black women an opportunity not to have to work in corporate america and they can they can really um showcase their brilliance so i'm saying we're going we're going to be going to do it and then hopefully you know people can tell like how we get inspiration from people like tyler perry hopefully people can get inspiration from us and then it's like a million different splinter cells all over america and we're gonna end up changing the whole entire world so i'm encouraged i'm encouraged so i hope everybody else is encouraged and um yeah join eyl university man why not that's what you got to ask yourself not why why not join ewy university 40 off uh the code is pinned is code freedom at checkout and uh in two days the price will be going up it will be uh doubling but we let you know we gave you a 48 hour head start but before we end this we have to give the last word to our esteemed professor ashley scott um what would you like to leave the people with ashley i have to leave the people with my near and dear calls the black achievement fund when you were talking about giving people jobs uh rashad that is important to me economic independence and self-sufficiency for black people is essential and in order for us to go further faster we need to do it together and most of the things that we talked about tonight hinges on money the ability to finance and fund our dreams our projects our hopes and so i'm wearing my black achievement fun shirt tonight because i want to encourage everyone who is listening everyone who is watching now or will watch in the future to put their money where their mouth is and make a non a tax deductible donation of nine dollars a month to the black achievement fund it is a 501 c 9 3 9 a national non-profit ran for us by us i am a member of the board and we have one goal for the economic independence of black people that is getting 10 million black people our allies people who say they care that black lives matter get on www.baf.solutions 10 million people paying nine dollars a month would generate 90 million dollars a month for us to be able to build our cities to hire and create jobs to create affordable housing to buy back the block to pay for infrastructure to ensure affordable health care to hire black doctors to create uh afrocentric birthing centers to address the maternity um mortality and infant mortality rates we can create the world we deserve when we work together and so the black achievement fund is our place to be able to organize strategize and fund all of our projects with a budget and when we come together we can utilize that money to make all of our dreams come true our collective dreams as a community come true we can take care of each other i call it the black tax go pay your nine dollars go to www.baf.solutions and this is how we be the change we want to see and we practice group economics baf solution not.org because what we provide are solutions peruse the website shout out to president arkey hodges who is the founder of the black achievement fund shout out to renee walters my president and co-founder of the freedom georgia initiative and all the 19 families that said yes to developing the freedom georgia if you haven't go by my seminar y'all is at b i t dot l y backslash seminar bundle deal you are going to get an large amount of information because i i give out a lot of information and insight i love to drop jewels because i don't want to die with information and knowledge in my head i want to give it out to my community and so please y'all keep on showing up showing out being beautiful i appreciate you i thank you all for your time and y'all can also visit me at ashleyscotthomes.com peace all right yo shy before we go before we go this is our last uh webinar of 2020. i just want to give a huge shout out to everybody who's lent their time and their expertise to our platform from andre hatchet our first professor to hit now um ashley scott uh and there's a long list in between man i don't want is the list is too long for me to try to name them all but we greatly appreciate you uh lending your time again and your expertise to our community and to the advancement of our people man we we are greatly appreciative of it and uh indebted to y'all for that appreciate y'all yeah and shout out to everybody that you know became a member including ashley um so this is dope i think this might be the first time that we actually had a class taught by a member right maybe yeah maybe yeah i think i think i think that might be the first time that we have a class to a bar member so i just keep making history already yeah they just i just got hit on the line shout out to um one of our og's uh dow freeman just joined uil too oh yeah daryl freeman daryl freeman but this is another thing too because quinn's in the facebook group daryl freeman daryl freeman um his episode is going crazy that's that's the gentleman who started the company with two thousand dollars and sold it for 23 million he's this this is this this is so crazy he sold his company for 23 million he text me and troy like um can you send me the link i want to i want to sign up to ewi university i need to learn more about business i i promise you i promise you you said that so i might be able to put it on camera i'm not sure we'll see i'm thinking i'm thinking in my brain like you you sold your company for 23 million dollars but that just goes to show you the mindset of somebody that's never satisfied that's always looking to learn he literally he didn't he didn't actually for free anything he was like look send me the link what do i need to do to sign up i want to i want to join i want to learn like i just need to learn more so yeah shout out to i'm looking at the text right now right before that he he uh reminded us about that that apple apple purchase that we talked about on the episode and how well he's doing shout out to the child to female og free we calling him shout out to og free man got he got his whole setup in the bahamas a private plane the whole situation but uh you're never too big you're never too big to learn that's a powerful lesson that's that's a very very powerful lesson so um and maybe we can get him teaching class well that would be crazy i'm sure i'm sure he'll do it i'm sure he'll do it yo man it's been a crazy night man and i want to thank ashley again janet tomorrow seven o'clock and everybody that is on the east coast we are getting destroyed right now with snow be safe out there please be safe corona is still uh a situation in our country and the snow is added to us being inside so be safe hug your loved ones and again like like like the video please subscribe to our youtube channel subscribe to the podcast um this will be on podcast audio too on friday for study hall but um yes yes spread love stay safe stay warm we love you guys

Channel: Earn Your Leisure

Views: 160,848

Rating: 4.9584889 out of 5

Keywords: How to buy land, Real estate, How to develop land, Farming land, USDA loan, Freedom Georgia, Land

Id: qSBeOMPL6oc

Length: 134min 35sec (8075 seconds)

Published: Wed Dec 16 2020