Bad Real Estate Loans Can Kill Your Investment Deal

Jax Crider (00:00)
Our objective is that we are trying to ensure what you told us actually we can use. And what I mean by that is, is what you believe we can use on the mortgage side is not always what we actually can use. Okay? And so what’ll happen is, is that somebody will be like, well, Joe Schmo down the street, you he got me a letter in five minutes. Well, that’s wonderful. But I’m going to tell you something right now. It’s likely not worth the paper that it was printed on.

Cody Crabb (00:12)
Yeah, exactly.

Hello and welcome back to Real Estate Pros. I am Cody Crabb with Investor Fuel. Today I’m joined by Jax Crider of PBJ Mortgage where she helps investors use lending as a wealth building tool instead of just chasing whatever loan they happen to get. her approach is simple, just understand the bigger goals and make things a little less complicated. Love that. Jax, thanks so much for joining us today.

Jax Crider (02:24)
Yeah, absolutely. It’s totally my pleasure. Thank you so much for having me. And yes, PBJ Mortgage, it really is guys, making mortgage simple, as simple as making a peanut butter and jelly sandwich. I know that a lot of you investors included, even though you probably do math a lot, let’s be real, that’s not exactly what you wanna have to be involved in. And you wanna make sure you’re making the right decisions and it’s actually aligned with what you actually want. And so we’re kind of a weird, odd duck. I’m odd in my space. I don’t even tell you this before the show, but I have a lot of greed. I just…

myself and my team, look at things from a very different lens. And our goal truly is to reach people where they’re at and make sure that what they’re actually wanting is going to align with like the products and the choices that we’re making and that we’re explaining it because we’re not stroking the check you are. And so I’m trying to make sure that you’re making the best choice financially for like what your ultimate goals are and not just throwing you into some product. mean, anybody can do that if they halfway know what they’re doing.

Cody Crabb (02:57)
Yeah.

Yeah,

well and then it’s always really good to know when someone’s kind of got your back in the terms of like your whole strategy. So like not just selling you the thing they’ll get the best commission on. So ⁓ when an investor comes to you wanting a loan, like specifically an investor, what are you listening for first to see kind of whether a deal fits their bigger picture, bigger strategy?

Jax Crider (03:46)
So first of all, a lot of times when investors are coming to us, they’re asking us ⁓ the questions of things that they’ve Googled, right? Or they found on the internet or, hey, I think that this product might be a good fit, et cetera. Which a lot of times they’re not super far off base, which is positive, right? Like they’ve done some legwork. ⁓ But a lot of times what we are really looking for is kind of what the end game is with the property. Are we trying to long-term hold this property?

⁓ Is this property the real reason we’re doing it is it is it a tax benefit, right? So we’re we’re trying to ensure that we can Create appropriate tax flows so that we’re not paying uncle Sam any more than we absolutely have to There’s so many different ways, you know that people are utilizing ⁓ Mortgages to help with this process of creating wealth, right? Like is it a fix-and-flip scenario? Like there’s lots of different ways that they can be going about it

And so step one is, is yeah, I mean, as long as you qualify for the loan, I can get it for you, right? That’s not the problem. And in fact, by law, if you qualify for it, I have to give it to you. However, it doesn’t necessarily mean it fits and aligns with what it is you’re looking for. So we’re trying to ask them questions to determine, you know, what is your goals here? And what are we trying to do to make sure that we’re in alignment with putting you in the best type of a product?

Because some of them,

they don’t have as strict of guidelines or restrictions, right, as maybe some others, but that may mean that we have a slightly higher interest rate on that product versus something else. And so again, it’s really important to kind of understand the big picture, if you will, ⁓ versus just kind of service level, like, okay, I want a DSCR loan, this is how much I’m gonna put down, what’s your interest rate? Which is, feel like what a lot of people hit you with, and I’m not saying it’s not important, it is,

but we just have to look at it a little bit more holistically to ensure that we’re not hosing you financially down the path. Because it’s not just about the here and the now, it’s about usually the bigger picture and how it’s creating long-term wealth, not just wealth for right this second.

Cody Crabb (06:39)
Yeah, I mean the end game is really what all of this is about for most people.

So let’s say someone comes in and they’re asking for a specific thing. How often do you run into people that are like totally solving the wrong issue? Like they think that the problem is A and it’s actually B and you can kind of steer them over to B.

Jax Crider (07:00)
So they’re usually not like super far off. ⁓ They may just be sort of adjacent or their mindset may not be quite attuned, right? So what I mean by that is, is that a lot of times people are looking at the shiny object. So the easiest one for me to always explain is the interest rate piece, right? But then what they’re not looking at is like, okay, how much is that costing us, right? Like how much upfront dollars are we having? And again, what is our hold position? Are we holding?

for a year, two years, five years, 10 years, because a lot of this is going to go into the cost analysis of determining, okay, so our interest rate is here versus here, but this costs X dollars more versus this one over here, right? And so we look at a lot of these features. So it’s not necessarily that they’re super off on their product type necessarily. A lot of times their focus though is kind of laser focused on one specific number that doesn’t necessarily

give the broad bigger picture of what they should be focused on, if that makes some sense. So that is a lot of times where we run into some problems is it’s a matter of, okay, that’s great. I can give you whatever it is you want, again, as long as you qualify for it, but does it actually fit with what your long-term goals that you just told me? so, and sometimes they’re not exactly sure. And so I’m like, okay, if you don’t know exactly how long maybe you’re gonna hold the property for,

Cody Crabb (08:03)
Yeah.

Jax Crider (08:27)
or exactly what we’re gonna do in a long-term situation, let’s give our best guess, right? Like, what do we think in a perfect world, ⁓ how do we feel like that this is gonna be? And so a lot of times we’re making them do a little deeper work than other people, because like I said, we wanna ensure that it fits. I mean, we have a joke that once you do alone with us, you’re kind of stuck with us. And yes, again, pun intended on that, but.

Cody Crabb (08:51)
you

Jax Crider (08:54)
We want you to feel like we gave you good information that you were able to make a good solid choice ⁓ and that yes, we either gave you exactly what you wanted or we gave you pretty close to what you wanted but with maybe a few modifications that made more financial sense for you. So I wouldn’t say people are usually way off base. Usually investors specifically, I mean your first timers, they a lot of times are way off base and I don’t mean first time investors. I mean first time home buyers in general because we deal with those too.

Investors are usually a little more savvy. They’ve done a little bit more research, but they still may be a little bit off the mark. And so we got to kind of readjust that.

Cody Crabb (09:31)
For sure. ⁓ who are your typical, like who’s the typical people that kind of walk in your door? ⁓ Kind of what mixes? mean, obviously you get a ⁓ fair bit of just people buying a house for themselves. What mixes kind of investors versus those people?

Jax Crider (09:47)
That’s a really good question. So I would say that we probably have about 30 to 40 % investors. ⁓ Sometimes that kind of has an uptick. Like we helped a gentleman and he bought.

eight or nine properties at one time. And so we did nine simultaneous, I think it was nine, nine simultaneous DSCR loans for him in one blow. And so obviously that month was like way skewed in that particular case. But we do quite a bit of investor just because I deal a lot with really high net worth people or people who have that mindset.

Some of it has to do with my upbringing. I was raised in a family that was very ⁓ money focused. Like I had to read Soundmind Investing in seventh grade. It’s why financial education is so important to me. I also went to private school and then again after I went to A for a regular undergrad, then I ended up going to A Law School. And so sort of the pool that I play in of people tend to be these kind of minded people, if you will.

And so we definitely do, I also do a lot of divorce situations because of my legal background. I have a lot of connections with attorneys, things like this. And then as I told you before the show, I’m connected with a few groups where they’re actually helping doctors purchase investment properties to offset that tax burden that they’re having with those really heavy W-2’d incomes, know, those really big amounts. so…

We definitely do a fair bit. I wouldn’t say it’s the vast majority of our business, but it’s definitely a good 30 to 40 % of it, I’d say.

Cody Crabb (11:58)
So let me zoom out a little bit. What does your business actually look like? What types of products do you offer that might be enticing for an investor?

Jax Crider (12:06)
For sure. So first of all, for an investor, it’s important to note that there are occasions where you do still have to deal with your personal house, ⁓ potentially strategically, especially if you’re getting started out. So what I mean by that is a lot of investors, because they don’t want to have to sink a whole bunch of their own cash, right, from the bank into this investment property, they may pull out of their primary home and they may do, you know, a cash out loan or something like this, right, secondary loan, HELOC.

something of this sort to be able to then fund now these investment type properties, okay? And so we do those. Not only do we do those, but we do a fair bit of ones that are not typical, AKA bank statement products, things like that, right? So not always just your traditional cookie cutter, conventional loans. ⁓ We do all that as well. So we’re very full suite in that respect. The investors specifically though, when we start drilling down and we start going to DSCR, we really, ⁓

are we can do a lot of things that other people don’t do. So most people believe that if you do DSCR, if you’re not familiar with that stands for, that stands for debt service ratio loan, okay? And so what that means is that you’re basically trying to offset the mortgage payment with the rental amount, right? And most people believe that it needs to be one-to-one, okay? ⁓ That’s actually not true. There are some instances where we can do like 80 % coverage on that or even no ratio. Now again,

depending on the risk factor, we may have a little bit more money down, a little bit higher interest rate, things like that, so it just kinda depends. You also run into ⁓ interest rate only, I’m saying it wrong, interest only loans. What does that mean? It means you’re only paying the actual interest. You’re not paying anything to principal. Well, an investor who wants to keep that cash flow good, right, they don’t want to have a lot of money outlaying.

in mortgage payments, that’s a good potential choice for them. And so not everybody offers that on DSCR. ⁓ Most people offer in DSCR, but not always the ability to actually close in a LLC. Okay, so a lot of investors, especially if they’re potentially investing with more than one person, right? So you and I want to go out, we want to buy a home together, but we don’t exactly want to commingle everything, right? Because like you’ve got your family, I’ve got mine. Well, now we want to open a legal entity in LLC.

and place that property in that and we want the mortgage to be tied to the LLC, we can do that. We can go ahead and put that into the LLC, which is a really big deal for a lot of people. ⁓ And then we rarely have DSCR loans actually reporting to credit. And so for those of you who don’t know, that’s an important thing because let’s say you have four, five, six, 10 different properties, well, guess what happens if you have all that stuff on your credit?

it makes it really hard for you to be getting stuff personally, right? Doing ⁓ your own personal mortgage, getting car loans or credit cards or whatever else it is without having to show all that kind of garbage on there, right? And then lastly, I would say that it’s not super common. We don’t do it a lot, but we can do like five to eight units. So a lot of people are capped at four. So one to four is real common, but we can kind of go up to like the five to eight mark.

And then you start getting in if you’re over that you’re gonna start getting into like commercial loans, which we do But of course a little more restrictions typically take a little bit more time things like that

Cody Crabb (16:15)
Hmm. So, ⁓ when would you recommend, ⁓ someone, you know, buy in an LLC versus their personal name? Like, obviously, like when you’re starting to commingle with someone else’s stuff and you don’t want to be too enmeshed, but like, is there, are there other circumstances where that would come in handy?

Jax Crider (16:32)
I’m gonna be real, it’s almost always advised to put it in the LLC for a few reasons. So if we’re gonna, I’m gonna put on my legal hat and I’m going to preface this by saying that I am not a licensed attorney, so you can’t use what I say as legal advice. However, understand that anytime you own any rental property, period, okay? You are having some legal risk that is associated with that because somebody gets hurt on the property, right? If somebody thinks that you have lots of dollars and so they decide they wanna sue you.

Cody Crabb (16:46)
Of course.

Jax Crider (17:01)
And whether you believe this or not, in America you can literally sue for any reason. It may be thrown out or it may not be found to be valid, but if they really want to sue you, guess what? They can. And if it’s not sitting in an LLC, that means that they can actually reach your personal assets. Okay? And so most people do not want their personal assets to be able to be touched, especially if the goal with the investment property is to go ahead and grow wealth, right? Like that is what you’re looking to do. And so most people

who are going to do this on a bigger, broader scale, but even with your first, I highly recommend that you set up that legal entity. You can set up an LLC for just that particular property. And what it does is, if you do it correctly, speak to an excellent attorney who’s gonna set it up for you right, you have a few things that happen now. So number one, the liability, that is looked at as an entity, right? The LLC is basically like its own little entity. And so if somebody sues them, it’s only this entity that they can touch, okay?

⁓ There’s a possibility they could touch your personal finances, but I won’t go too in the weeds on that. It has to do with your co-bingling a bunch of things, okay? So you gotta be careful, which is why you need an actual attorney to have those conversations with you about what you’re doing.

Cody Crabb (18:13)
Well, and certainly it’s worse,

it’s worse situation if you don’t do it. I mean, they’re that they can just do that right away without the LLC. So that’s, that’s.

Jax Crider (18:17)
That’s her.

Correct.

They absolutely can. But with the LLC, do, like I said, you do have to be careful because there’s something called Piercing the Corporate Veil where they basically can come and say that, you set up a legal entity, but it really wasn’t a legal entity because of how you mixed all the funds together and everything. So again, you want to be smart when you’re going through that process. But it does have a lot of protectionary measures in that. Now.

Cody Crabb (18:38)
Yeah.

Jax Crider (18:43)
doesn’t necessarily mean you have to do the loan in the LLC if you don’t want to. You still could have the loan be done in your own personal name if that’s what you desire. ⁓ But yes, setting up an LLC and having the investment property in there is always a good idea. Just again, because what happens is now you have a little bit of a shield surrounding you and the potential legal ramifications. As well as I believe, and again, I’m not gonna speak to this entirely because I’m not a tax professional by any stretch.

But I believe that there’s also some ⁓ tax benefits as well to how you can kind of funnel that money, et cetera. So you just, again, this is where I can’t recommend enough picking experts in your corner is just really, really important when you’re growing wealth period. It doesn’t matter if you’re talking about a financial investor, you know, like the person who’s gonna help you manage that piece, an attorney who’s gonna help you with the entity aspect, the mortgage.

to make sure that you’re doing it correctly the right way, the way that’s going to be the most beneficial to you long-term, things like that. Because we just have information that you don’t. And that doesn’t make you stupid. ⁓ It makes you smart because you know that you don’t know something and now you’re going to get that information from the person who knows.

Cody Crabb (20:00)
Yeah, and I think that, I mean, what makes someone smart to me is admitting they don’t know something and are willing to learn it or go find someone that does do it. It’s as simple as that. So I think, ⁓ yeah, if you feel dumb, then that’s fixable. You can learn it or you can go, go use, so do your homework or preferably find someone that already did their homework and do this all the time and let them handle it. Cause they will do, they will do a better job than you will if you find even a half decent person that this is their field.

So.

Jax Crider (20:30)
For sure. Well, and I tell people all the time, I’m like, look, you definitely have to have a little bit of information before so that you don’t get the wool pulled over your eyes, right? Like you wanna know that when you’re asking questions, that person actually knows what they’re talking about. And so do a little bit of homework, but it blows my mind how many people I will see on Facebook or in groups or something, and they’re just picking any random schmoe off the street to do their loan or.

⁓ you know, my bank, I’ve been banking with them for 20 years, so clearly they should be doing my mortgage. And I’m like, most, I’m not saying that all bank loan officers are bad, but I’m like, most of those people, they don’t take the level of expertise to like really dig in, to really understand every aspect, to look at all the possible choices. You know what I mean? And so, I’m like, this is a pretty big financial transaction. know, mortgage debt is usually one of the larger, if not the largest debt you’ll ever hold in your lifetime. So,

Cody Crabb (21:15)
Yeah.

Yeah.

Jax Crider (21:24)
Just make sure that you’re doing your due diligence. if I don’t, like if my, the way that I handle business doesn’t jive with you, it’s okay for you to say no to the expert too. It’s okay for me to not be your person. ⁓ I’m either gonna be your person or I’m not. And so if I’m your person, then like let’s go and let’s be on the same page and let’s get your stuff done. And if I’m not your person, don’t be afraid to walk away and go with the person that is aligned with you. Like I can’t stress that enough.

Cody Crabb (21:52)
Yeah, I mean, you can get an expert opinion and ignore it, but I don’t know why you would do that. But like you’re allowed to do that if you’ve really believe in what you’re doing and you did your homework and you think it’s right. So yeah, I mean, there’s something to be said for that. think ⁓ even if you don’t think you’re going to need one, ⁓ consulting an expert is never going to be a bad idea. So ⁓ yeah, for anything, that’s just a good life lesson in general. Yeah. Don’t attempt something yourself unless you have consulted someone that ⁓ maybe knows what they’re doing a little bit better.

Jax Crider (22:12)
for sure.

Well, and

over the years, we haven’t been afraid to fire clients. Like if you are not gonna listen to my expertise and you’re going to basically fight me on everything, tell me I don’t need this document or whatever, you know what I mean? Like my whole objective is to get you to the finish line, to get you what your objective is, right? And to do it in a way that aligns with what you’ve asked for. But if you don’t let me do my job, then at some point, I mean, I have to say, Cody, like it’s time for us to part ways, buddy. I’m so sorry.

Cody Crabb (22:44)
Yeah.

Yeah, yeah, yeah,

yeah. Well, and that’s, think everyone should remember that too. I mean, first of all, hire experts. And if you do hire experts, remember that they are experts and trust. Well, and I think also too, I mean, this is maybe another question I could ask you is how do you know that you found someone that’s any good? Because everybody knows, everybody’s heard story, good and bad stories about literally every profession. So how do know you’ve actually found someone that’s good? What are some good signs early on?

Jax Crider (23:15)
That’s a very good question. when you are, first of all, you need to be asking questions. ⁓ Even if you feel pretty good about the expert, it’s not a bad idea to ask questions. And I don’t mean questioning them. I mean asking questions to understand what the process looks like, what kind of timeframe we’re looking at. Do they clarify and come up with a plan B? So I will tell you on almost every file we’ve ever done, we typically have a plan B. And if there is not a plan B,

then we are very cautious of the client and explain to them why their file is complicated, why it’s very important to be done a very specific way and help them understand because what we do not want to happen is for them to put money on the line, right? Earnest money, option money, appraisal, like all of these things that they’re gonna be encountering, right, over the course of this real estate transaction only to find out that, it’s not gonna work anyways, right? ⁓

Cody Crabb (24:10)
Yeah, yeah, yeah.

Jax Crider (24:12)
Also, if they are not asking for enough of your documentation up front, it should be a red flag to you. It drives me absolute and utterly crazy how people get frustrated with us because we ask for a fair bit of documentation up front. We want you to fill out the application and then we want you to give us some proof of what you put in that application. And it’s not because we don’t trust you or we don’t like you or we think you’re a liar or anything like that. has nothing to do with that.

Cody Crabb (24:28)
Yeah.

Jax Crider (24:39)
Our objective is that we are trying to ensure what you told us actually we can use. And what I mean by that is, is what you believe we can use on the mortgage side is not always what we actually can use. Okay? And so what’ll happen is, is that somebody will be like, well, Joe Schmo down the street, you he got me a letter in five minutes. Well, that’s wonderful. But I’m going to tell you something right now. It’s likely not worth the paper that it was printed on.

Cody Crabb (24:52)
Yeah, exactly.

Jax Crider (25:07)
And if you’re willing to start forking out a bunch of your hard-earned dollars on Joe Schmo’s little paper that he gave you with no clarification or validation, by all means, baby, you go ahead and you do you. I don’t think that that is a very good path, right? You wanna make sure that when you are investing your time and your money, I mean, again, you’re trying to build wealth here. That is the objective, right? Nobody is investing in properties just cause it’s fun or…

Cody Crabb (25:21)
Yeah.

Jax Crider (25:36)
You know, they just like owning a bunch of homes. I mean, maybe those things are true too for you, but the real reason you’re doing it is because you’re trying to create wealth, wealth for you, for your family, generational wealth, right? You’re trying to maybe create passive income so you can leave your nine to five or whatever that looks like for you. So please make sure that you take the care and pick the person that is willing to put in the work on the front end and remind yourself, when you’re asking me to put in that work on the front end, I’m not getting paid by you.

I get paid this many dollars until the transaction gets funded. This many dollars, that is a zero. And so if they are not willing to put in that work, what’s gonna happen when your deal starts going sideways? When some weird wrench in the real estate transaction that has nothing to do necessarily with the lender, it could have to do with the title or the seller or who knows what, okay? Let me just tell you, there’s a lot of people involved. Weird wrenches get thrown all the time.

And if those people are not on your side and they aren’t willing to put in that work and get in the muck with you to figure it out. And so like, can’t stress enough, ask those questions upfront and be willing to do the work yourself. Because if you’re not, what’s gonna end up happening is, that garbage in, garbage out. And maybe you get lucky. Maybe the first time that you do it, it works out, right? Like the math figures itself out and there’s not a problem.

But from my perspective, I’m not willing to chunk down a bunch of money on a wing and a prayer, just personally.

Cody Crabb (27:08)
Yeah, it’s an investment. The whole point of doing it is because you are somewhat confident that it’s gonna work out. yeah, think, going back to what you said, I think if you are trusting somebody with something, a doctor or a lawyer or something, if they’re just doing it for you and they’re not willing to, not even not willing, but they don’t automatically just tell you why, they feed back to you the information, I think that’s probably the best sign I’ve ever heard.

Jax Crider (27:15)
Correct.

Cody Crabb (27:37)
that someone is worth kind of talking to because if you don’t understand why you’re doing the things you’re doing, then you won’t know if it’s a good choice or not. they have to, you what I mean? yeah, think you hit the nail on the head.

think that education, the education part and the questions and that pretty much solves a lot of these problems right before you even get started.

Jax Crider (27:59)
that has to be their heart, right? It has to be that they’re not annoyed with you, that you’re asking questions, that if they don’t have the answer that they’re willing to go get it for you, right? Like that has to be the heart of who the expert is that you’re speaking with. And if that is where their heart is, right? Then you’re gonna know that you’ve picked the right person, right? And again, like I said, I can’t stress enough that you need to be aligned with them, that you need to be aligned with how they handle business. So if you handle business completely differently than how

that lender is handling their business, then it’s probably a sign to you that they’re not a good fit, no matter how well, how many Google reviews they have, no matter how well recommended they are, right? And like I say all the time, I can be very polarizing, right? I’m either your person or I’m not, and that’s okay by me. Like I want you to be like, my gosh, yeah, she’s my girl, or like, absolutely not. I don’t know what that woman is smoking, but it’s definitely not for me, and that’s okay.

Cody Crabb (28:54)
Yeah,

same logic as putting a weird photo on your website, right? If you’re put off by that, then I probably am not gonna get along with you. yeah, exactly.

⁓ So tell us about, ⁓ if someone wants to work with you, if they like what they hear, they love PeeVee and Jaze, and they wanna get in touch, how can they do that? And where do they need to live? Or is there anywhere specific that they have to be?

Jax Crider (29:19)
That is a very good question. So if we’re dealing with investors, I can do loans in most of the states. I think there’s about seven or eight I can’t, but they’re fairly obscure. I think like Vermont, North Dakota, South Dakota, maybe. So most of the people I can do, and if not, the good news is for you is if you happen to be in a state that I can’t touch, I absolutely have enough professional references.

Cody Crabb (29:33)
So statistically, probably fine.

Jax Crider (29:46)
I can place you with somebody that I trust, right? I’m not gonna just be like, sorry, Cody, I can’t do a loan in your state, like bye-bye. We can make the recommendation and connect you with somebody that we trust professionally that I know does a good job and can help you with that, right? So yes, we do loans in almost all the states. As far as where they can find me, it’s pretty simple. It’s PBJteam, like T-E-A-M.com. That is where you can always find us.

Cody Crabb (29:53)
Bye.

Jax Crider (30:13)
You also could go to my own website. That’s JaxCrider.com. I’m a financial expert, education expert. So there’s like all kinds of information on that website as well. My, again, my ultimate goal is just to help people financially succeed. And I personally do believe that owning properties, right? Whether it be your own personal or investment properties is the greatest and largest wealth differentiation tool there is. It has personally, I’ve seen it in my own family between my parents, myself, my brother.

And so I just think that it is a fabulous, fabulous tool and that people should utilize it. So if I can help you utilize it, please help, know, please let me help you. And if you know of anybody who needs that kind of help or those kinds of resources, please send it my way. I am going to make sure that Cody gets my investor cheat sheet. That is kind of like a good way to kind of start framing up some questions you should be asking, some things you should be thinking about yourself.

either as you are becoming an investor or maybe as you’re expanding out that reach.

Cody Crabb (31:16)
Yeah, we’ll go ahead and we’ll make sure we stick that in the description so you can see the link to that. ⁓ Well, I can’t thank you enough. Thank you so much. This has been great. ⁓ Listeners, thank you for joining us as well. If you got something out of this, give us a like, subscribe, all the things, comments.

reviews whatever and make sure you follow us so you don’t miss another conversation with someone awesome like Jax Crider who has the coolest name I’ve ever heard I just have to say that once real fast before we end she sounds like a a spy spy the coolest name ever ⁓ all right thank you

thank you one more time it’s been a pleasure