Discover the Untapped Real Estate Opportunities for Wealth Building

Stephen S. (00:03.715)
Welcome to the show where we interview the nation’s leading real estate entrepreneurs. Welcome. man, I don’t think you realize that was my intro. That’s all right. that’s all right though. I love it. This is awesome. I love it when it’s impromptu. Yeah, welcome to the show. If you’ve never been here before.

Bernard Grant (00:05.144)
Thank you.

Bernard Grant (00:13.454)
Oh, okay, I won’t say anything for rest of the time.

Stephen S. (00:23.355)
Or you’re coming back for your second, third or hundredth time. As you know, we provide a ton of value to real estate investors and real estate professionals. I’m here with Bernard Grant today and we’re going to be talking about his background in electrical engineering, which led him down into real estate investing and what he does now in helping people secure grants for their properties. He is the founder of Zero Down Smart Start and we’re going to get into

to it today. Now just remember at Investor Fuel, we help real estate investor service providers and real estate entrepreneurs 2 to 5x their businesses to allow them to build the businesses they’ve always wanted to allow them to live the lives they’ve always dreamed of. That being said, Bernard, welcome to the show.

Bernard Grant (01:07.074)
Thank you, thank you for having me, Stephen.

Stephen S. (01:08.869)
Man, I’m super excited to get into our conversation today because you have a niche within real estate that I don’t think a lot of people are even aware of is possible for them. So before we kind of get into that, talk about grants, talk about where you’ve came from and where you’re at now, just give us a little background for our listeners on what got you into real estate, where you started, and what’s got you to where you’re at now with your focus.

Bernard Grant (01:35.938)
Cool, yeah, thanks Stephen. So a little bit about my background. So I actually got my undergrad in electrical engineering. And that’s really what I thought I was going to do. I was focusing all on that. And I thought real estate would just kind of be something on the side. know, okay, I’ll have some properties and I’ll be able to cashflow a little bit, but I’ll be strictly, you know, engineering. But then from there, once I started going to the houses, me kind of having that, you know, engineering electrical brain, every time I’d go in, I’ll just go right to the panels, electrical panels right away, because that’s what I knew.

So I’d go from home to home and I was looking to buy, I was looking for a multi-family, which I did end up investing in a four-family, was my first property I ever bought. Really because it was okay, I just got out of college, I just got out of school, I couldn’t afford a $5,000, $4,000 mortgage on my own. So I said, okay, what’s a way where I can live in a property and help pay for it, help pay for the mortgage? And that’s kind of where my love started. I was going from open house to open house.

Stephen S. (02:04.722)
Mm.

Bernard Grant (02:30.766)
The tough part as many investors when you first start out is that capital and that initial down payment of those closing costs. And for me, don’t even, Steven, I think I’ve been to hundreds of open houses where it was a perfect fit, but that 50, 60, $70,000 down payment was like, I just couldn’t afford it at the time. And then from there, I was able to really kind of start searching for different grants and even balloon loans where you can, you know, you can have a loan.

Stephen S. (02:38.066)
true.

Bernard Grant (02:59.79)
zero interest, interest free, and pay it after the 30 years. You know, after you either sell your home or you know, end of the 30 years when you’re done paying for it. And from there, I kind of had a lot of friends speak to me like, hey Bernard, how’d you get it? How’d you get it? And I was like, well, I just, you know, went online and made some Googles for different grants that I could find in different funding. And I started helping out some of my friends get their properties. And from there, I was like, you know, just doing it for free. You know, I helping out a lot of my friends and I was like, wait, I think…

Stephen S. (03:22.598)
Mmm.

Bernard Grant (03:27.63)
there’s a niche because every person I spoke to said, hey, we’re already paying $3,000 in rent in Boston. So that’s the same price as a mortgage is we don’t have that initial down payment of those closing costs though. that’s kind of where I was like, you know what? I think I can turn this into something and out of that came zero down smart start.

Stephen S. (03:46.906)
So now, you were going back to the beginning there when you bought your fourplex, did you know you were house hacking? Like, did you know that’s what it was called in the beginning and that’s why you chose to do a fourplex at first?

Bernard Grant (03:57.806)
Um, a little bit. So my father actually, he was in real estate for 30 years. So I even remember when I was a kid, we would go to his different properties and I’d be like, all right, just do this. I’d be hitting a nail with the hammer, probably into nothing, but he just wanted to keep me busy. So I was probably just hitting a nail or he was really, you know, fixing the stuff that had to be fixed. Um, but I just, I, it was really ingrained from in, um, into me from a young age. So I just kind of with him, I would see it and we would always go to his properties. When I was looking, it was okay.

Stephen S. (04:16.594)
Right.

Bernard Grant (04:26.446)
Either I kind of like I said I buy a single family and now I have to figure out how I’m going to afford three, four thousand dollars a month in a mortgage or if I get a fourplex I can live in one unit and all the other tenants can help me pay for this mortgage where now I can pay a third or a quarter of that mortgage. So I don’t think I, I think it was kind of fifty-fifty. I think I saw it but I didn’t really know at the time there was like a term or a name or anything like that.

Stephen S. (04:40.422)
right.

Stephen S. (04:51.696)
You were just looking at it from the perspective of, how can I get a house and I don’t have to pay for the whole thing?

Bernard Grant (04:56.862)
Exactly, exactly.

Stephen S. (04:58.29)
I love it man. That’s super smart So man, you had a you grew up with a background in it too though Seeing seeing dad out working on properties now Did you know about the grant when you when you purchased that first property or were you looking to accumulate more properties? And that’s when you started thinking yourself man, like where am I gonna get? 50 60 grand for you know, these additional when did that come into play for you?

Bernard Grant (05:25.472)
So a little bit about my background. I’m from Massachusetts and everyone who knows Massachusetts in real estate is one of the most expensive states when it comes to real estate. So the state, you little state right below it, Rhode Island. So I said, okay, maybe not this million dollar house right here in Massachusetts, but I can get the same house or even something a little bit bigger, just an hour drive down, you know, to Rhode Island. So I went down there at the time. I didn’t really know about grants or anything. I was just saying the way I thought was, okay, what’s the least

Stephen S. (05:29.01)
You

Bernard Grant (05:55.148)
you know, the least amount of money the house costs, you what’s the least expensive house that there was. And that’s what I was looking for. And I think that’s why I missed out on a couple of great properties, because I didn’t know that the government, you know, local federal state, they, they give funds, you know, they give, they have funding and they give grants to homeowners, not only first time homeowners, but even now I’m applying and we’re getting some grants from myself, the team and some of our clients that they’ve had a home. They’ve owned the home for 20 years and they just didn’t know, wait, I can get my kitchen remodeled for free.

I can get my bathroom remodeled for free. These grants are out there. And that’s really what I kind of came to find out over the years and after getting property after property in multiple states. So we’re not just in New England anymore, we’re all across the US. But at the time, no, honestly, Steven, I had no idea. I just thought, what’s the least expensive house? And that’s what I was shooting after. And even then, realistically, being honest, real estate is always going up. So even the least expensive house was

pretty expensive for a 23 year old kid at the time. So that’s this I didn’t know at the time.

Stephen S. (07:00.59)
Right. Now, so for our listeners sake, who may not know where this is like a completely foreign concept, what exactly is a grant and how do they work?

Bernard Grant (07:10.082)
Yep, definitely. So a grant is, so there’s multiple grants. mean, there’s, you know, there’s government grants, but there’s even nonprofit grants as well with different nonprofits. So let me ask you a question, Stephen. So what’s something you like to do? Like what’s a hobby that you have?

Stephen S. (07:26.226)
I like to golf. I’m one of those weirdos. I don’t typically say I golf. I say I like to hunt and then people ask what I go hunt for and I tell them golf balls.

Bernard Grant (07:28.568)
Go.

Bernard Grant (07:34.676)
Okay. Yeah, it is in the water and the trees everywhere else besides the green, right? Same. I’m the same. even golfing, Steve and I promise you, whatever state you’re in, there’s a golfing grant. Like, hey, if you love to golf, if you’re a golfer, come with us. We have either a golfing nonprofit or there’s something with the government where we can get you a grant if you like to golf. I promise you.

Stephen S. (07:41.35)
Yeah, exactly. Yeah.

Bernard Grant (08:02.24)
And that’s something that a lot of people, and even me at the time, I didn’t know. So a grant essentially is just an amount of money that’s allotted to specific organization where they can say, if we, let’s say our grants are for golfers, we’re the Golfers Grant Association, right? They have a certain amount of money to give out to people who want to buy properties or buy homes or invest in their homes that just like to golf or something like that or whatever your hobby is. Typically, I mean, it could be where you work.

Stephen S. (08:29.234)
Sure.

Bernard Grant (08:31.618)
what your hobbies are, what you do for work, whatever your situation is tax wise. And it’s not only for people who make a certain amount of money. You can have to make less than this or more than this. It’s for everyone. So a grant is just a certain amount of money that’s allotted to people when they’re looking to buy or invest in their properties.

Stephen S. (08:50.414)
Right. And, you know, I’ve been around the block enough to kind of understand how grants work now. But, know, like, for example, like I’ve got a friend of mine who he has a he has a company, which is a nonprofit, technically, and they go into schools to provide mentorship and leadership to kids in underprivileged schools. But now they’re starting to get in all of the schools here in our state. And, you know, they’re getting crazy amounts for grants. You know, five milli here, 10 milli here. Right.

And so and so I think a lot of times people maybe think well It’s not gonna apply to me so like as a golfer for example with the golf Grand Association or whatever that might be I think most people would would say well Bernard that sounds all fine and good, but I’m doing well for myself. You know we’d really like to buy a house We started a family young and so we’re kind of in that phase You know we’re approaching our 30s, and you know we still rent, but we’d love to buy a house But the government just ain’t gonna give around free money

Bernard Grant (09:28.578)
Yep.

Stephen S. (09:50.348)
How can I qualify for that if it’s actually something that’s available?

Bernard Grant (09:55.222)
Yeah, that’s what I thought too. And I have to say that’s the furthest thing from the truth. I thought I made a certain amount of money and because of that they were only giving out grants to people who made another certain amount of money. And that was just my mindset until I really started diving deep. Like I promise you, Steven, I was on every website you could possibly imagine just searching, searching, searching. And I realized that of course for some and maybe certain federal or state grants there are this, know, income bracket, but not for everything.

Stephen S. (10:00.562)
Mm.

Bernard Grant (10:24.086)
And that’s kind what we do at Zero Down Smart Start. We are in all 50 states where we already have, so we have a couple different programs that are done with you, for you, or by you program. But in all 50 states, we already have, hey, here’s a list of 20 grants that we can just give you right away. And then that’s not even including something personalized, which we love to do a little bit more because we don’t really do cookie cutter because that also wouldn’t be the best for our clients. I can just give you a piece of paper, but.

Also, you need to know how to apply for their grants, maybe the best times to do it, certain information that you need to add in or even certain things. For example, I used to do karate, right? Someone might think, I did karate 10 years ago. That might not be applicable. I promise you it is. I promise you it is. So that’s kind of what we do, and that’s what we really help find people grants. And there’s, I mean, in all 50 states, there’s something for you.

And there’s something for every listener out there and that’s really what we do and we help find it.

Stephen S. (11:19.634)
you

Stephen S. (11:23.132)
So now what happens when the seven million listeners of our show, I’m kidding, when, but at this current time, you what happens when, you know, when people take action and they say, you know what? Well, I’m just gonna go look for this. What are some of the things that hold people back from actually just doing the research and searching it is because the grant writing process can be messy if you don’t do it right. Why do you think more people don’t

Bernard Grant (11:27.404)
Yeah, no speaking into exists. I believe it Stephen. I believe it

Stephen S. (11:53.177)
do it even if they know about it.

Bernard Grant (11:55.8)
I think it’s one of those things when you look at something that you think is so large and grandiose and it’s not even possible, I think it just discourages so many people. For me, and that’s how it was for me. I can honestly say I was discouraged for a while just after looking for home and home and home and just saying like, I just simply can’t afford it. So after a while I was like, you know what, it just probably isn’t for me. I can make all these excuses and blame this person, this corporation, it’s too hard.

You know, 2025 is just not possible to buy a home anymore. But that’s really not the case. But I think the biggest thing is people just kind of get discouraged and they also don’t know where to look. You know, there’s, have these huge search engines, which are great, but you’re really, even those search engines, it’s who pays to be sponsored at the top, right? That’s just how everything, everything works now. But with us, we have certain relationships in all 50 States with, like I kind of talked about, know, nonprofits or with local governments.

where we maybe have some connections that you won’t be able to just find on your local big search engine like Google or whatever it might be. So I think it’s that and then also just consistency. The home prices continue to rise and we say, okay, interest rates continue to rise. just mathematically, interest rates are higher, homes are higher, your down payment and your mortgage is going to be higher. But that’s not really a factor if you have someone else paying for that.

And that’s kind of what we found. And that’s what we really tell people. If you’re looking at your income alone, hey, maybe you may not be able to afford something. But that’s why you have us. So you don’t have to look at your income alone. So we can have other funding and grants where we can bring you and we can really make it a possibility and we can make your dream a reality.

Stephen S. (13:21.298)
Mm-hmm.

Stephen S. (13:41.499)
Right now, can people get multiple grants or are they just limited to one necessarily? Like how could this benefit if you know, maybe I am an investor already and I have several properties, but you know, I’m looking to buy another or something along those lines. Can I apply for multiple grants? Like how does that process work?

Bernard Grant (14:00.462)
Multiple grants. actually our second property that you know, we ever got my wife and I our second property, it was down south. So completely different rules and structure from up in New England. So it was a drastic difference. And we were, you we use that same the first house. We didn’t know too much, but what we did learn is, okay, whatever we learn, we’re going to apply it with the second property. And we applied for multiple grants where we actually got a check back at closing. I’m going to say that again, Steven, for you. We got money back, a check.

from our mortgage company back because of how many grants and how much funding we got.

Stephen S. (14:34.968)
So you were able to basically get a house for free and get paid to get it.

Bernard Grant (14:39.128)
We got paid to buy our property, our second property. We got paid to do that. In every house since then.

Stephen S. (14:47.61)
But Bernard, this just sounds too good to be true. What would you say to those folks?

Bernard Grant (14:52.416)
It’s not. mean, zero down smart start dot com. That’s go to the website. Hey, you don’t have to believe we have testimonials up and just go. also actually so something I’m going to start starting. I actually in a week we have our first one. We do week monthly webinars. So if you want you think it’s too good to be true. Hey, just come to a webinar free webinars. We don’t you know, we don’t ask you any information. Just your name, whatever state you’re looking in. Come to the webinar. You’ll get the link in your email once you fill out the form.

and I’ll run through it. I’ll run through it on different, you know, weeks and different months. I’ll have my team on there and they’re going to run through it as well. And we’ll just say, Hey, this is what we do step by step. we don’t see even if you look out, are you near a window? Okay. So imagine you’re outside. How many houses are around you? You’d say,

Stephen S. (15:36.251)
I’m not.

Stephen S. (15:41.715)
I’m in sort of a more industrial area where my office is at so there’s not really a ton of houses more like apartment to the back and we’ve got a neighborhood just yonder and then we’re kind of in a neighborhood but maybe I’d say you know 400 in the neighborhood just across from us here.

Bernard Grant (15:53.176)
Okay.

Bernard Grant (16:02.03)
400 in the neighborhood, right? We don’t look at it as, there’s not enough homes, there’s too much competition. No, there’s enough for everyone. So on those webinars, I will give out all the information I know. Okay, maybe you can then decide if you wanna work with us with the information you have, but this is all public information and everything I learned is all public online too. I just knew where to find it. So if it sounds too good to be true, I’ll say, hey, that’s what I thought as well. I’m telling you, see, when I looked at that check and I said, wait,

we’re getting money back when we went through underwriting and they said, okay, you’re good. You don’t have to bring anything. We’ll actually be writing you a check. was like, this doesn’t even, it sounds too good to be true. But it’s not. And come to the webinars fully free. You’re invited Steven. So I hope to see you at the next one. And everything that we know we’ll teach is just, you know, when you then come on and we work as partners, then we can get a little bit more in depth.

Stephen S. (16:47.11)
shit out.

Stephen S. (16:53.842)
Yeah, totally. Now, so Bernard, with what you’re saying here as well, like is there any form of catch, like anything someone has to pay in the future, like help us kind of understand that side of it. You know, I think we’re mostly taught growing up that nothing is free, right? Just because I am something doesn’t make me special, right? Like that’s what I think most of us are taught and that’s why the values of hard work and you know, going and educating yourself and your adult life is so

Bernard Grant (17:13.176)
Mm-hmm.

Stephen S. (17:23.836)
important for you to have success working hard those things right and maybe maybe we were like to right but with that Bernard is there any form of catch like with a grant or is it just truly here’s money to use and does it have to be used towards said thing or can they use it for anything

Bernard Grant (17:28.898)
Yeah.

Bernard Grant (17:42.658)
Yep. Well that’s really that’s and that’s kind of why we don’t do a you one size fits all because every grant is different so we don’t we don’t write the terms of the grants right it’s just whatever we already have and then we go and apply so that’s really grant by grant you know term by term I can’t I’m saying for me personally I have not seen anything that was kind of like a hey on the back end you owe us something else you know for for all of our properties nope here’s a check you just have to prove that you actually bought the house and you used it

for a home or not even bought the house, even if you already have a home, you just have to say, hey, I want a new bathroom, here are the receipts. We got the bathroom done and you just have to give that to whatever the foundation is. But no, nothing on the backend. And then of course with us as well, nothing on the backend for us. We have that, you know, one initial investment and then we work with you and we work with the clients until they get exactly what they need. And we have a 100%, actually we have a 100 % money back guarantee. I can guarantee you will not invest more money in our program.

Stephen S. (18:33.552)
Hmm.

Bernard Grant (18:41.762)
then money that we can get you, I guarantee it. And we’ve worked with hundreds of clients and hundreds of customers and we have never had to give that money back guaranteed because it’s just, there’s so many grants and funding out there, it’s just people don’t know about it. So that’s kind of, that’s what we really look at.

Stephen S. (18:44.86)
Sure.

Stephen S. (18:58.01)
Right, yeah. Now Bernard, with a real estate investor specifically for example, who’s maybe looking at using this to purchase more properties, when would applying for a grant be the route that they would go versus using like private money, hard money, traditional financing to be able to continue growing their empire in real estate?

Bernard Grant (19:23.67)
You can do both. I don’t think you have to do one or the other. think, because that’s personal, that’s what we do. That’s what I myself do. And again, I don’t just teach theory. I teach things that I’ve applied myself so I know it works. So I get the grants for however much I can get, as much money as possible. And then I still do hard cash or I do private money after that to kind of make up the difference. But you can do both at the same time. There’s nothing that says, OK, you have to work with us only.

and then you can’t get private money or you can’t then go apply for mortgage at a bank. There’s nothing that says that. So you can do it at the same time.

Stephen S. (20:00.037)
Okay, I got you. but as far as like timing, right? Like the timing of actually getting approved could play a factor. Is that right?

Bernard Grant (20:06.798)
Yeah, that’s kind of and that’s again I know I keep kind of saying it but that’s why it’s really okay We have to go person to person in situation a situation So yeah timing but it’s pretty quick and I think even when we were talking a little bit before we got on the camera Stephen This is it looks good for the government as well. It looks good for these nonprofits It looks good for the local state and federal government to say hey, I just renovated a bathroom

Everyone look at this, now come move into our city. You know, they also have benefits as well. So the people writing these grants aren’t necessarily saying, hey, we don’t want to give them money out. If that was the case, it wouldn’t be allocated. But everything we’re getting, we’re not like applying for some mystery box saying, hey, hopefully next year they apply it and it’s a lottery system. No, all this funding is already allocated and they want to give them money out. They just want to do it properly and do it the right way. And that’s kind of where we come in to say, hey, we’ve worked with this company 20 times in the last month.

Stephen S. (20:38.193)
Hmm.

Stephen S. (20:53.362)
Hmm.

Bernard Grant (21:04.162)
We know what the right way is for them. So when we work with you for your specific application, we’ll help you with that.

Stephen S. (21:11.548)
Bernard, do you think that money gets left on the table because there’s not enough people that are actually applying for these grants?

Bernard Grant (21:17.9)
Yes, year after year after year, year after year, because we work with these companies and we have great relationships with them and we’re saying, hey, okay, how much more funding do you have? And like we talked about, you know, another 20 million, but it’s December 2nd. So this is just for the year and people probably aren’t even going to, or yeah, we have a couple hundred more thousand, but just even the applicants, the percentage that we have and the rate we have it, people probably aren’t going to use all the money up. And that’s just…

It’s one of those things, it’s if you know, know. And that’s why this field is really pretty niche because it’s kind of a word of mouth or hey, I heard someone’s doing that or hey, how did you get that? And it goes from person to person and that’s what we have to do but I really wanna make it mainstream. I don’t wanna make it a niche kind of secretive, hey, I’ll whisper to you, you whisper to your friend thing anymore. If the money’s already out there, it’s already allocated, why not use it? Because I do, I promise you, I do, Stephen, so.

Stephen S. (22:09.084)
Hmm.

Bernard Grant (22:15.82)
That’s really what everyone that we work with as well. So that’s really what we’re trying to do as well.

Stephen S. (22:21.21)
Now, so with your own personal real estate investments, what’s maybe an experience or a story that you have, where you use the grant to solve a money problem in a deal?

Bernard Grant (22:34.702)
I would honestly, now just because of how blessed we are and things we kind of made some right decisions, currently I don’t have that, but I always have to go back to my first property. Again, was about 22, about 22 really searching and looking and saying, hey, I just got out of school. I’m having, you know, I have an okay paying job, but I don’t have the two years of experience that the banks asked for. just graduated, so don’t have that. But I can use the schooling, so that wasn’t an issue.

I had the monthly income that could afford a mortgage, that wasn’t an issue. It was that initial, okay, even with FHA, even with the 5 % conventional, not everyone just has 30, $40,000 laying around. And especially if you do, you now put in, as I know Stephen, you’re also into real estate, even if you put that initial money down, there’s always could be something that happens with the property. So you always kind of want to have your reserves too. So just because you have it, doesn’t mean that you want to spend it.

because anything could happen with the property, whether it’s residential or commercial. So keep your money in your pocket. And it was really that first property where I realized, hey, even I left so much money on the table that I didn’t know about at the time. We’re even going back and now using the knowledge I have now, I’m saying, man, could have got that house for free too. If I knew what I knew now, I wouldn’t have even paid for that first one.

So definitely that first property, I always look back and say, don’t, you know, at the time I did the best I could with what I knew and the knowledge I had, if I, yeah, that’s the one property I had to actually come out of pocket for and it would have never happened if I knew what I know.

Stephen S. (24:13.168)
So, and that kind of ties into my next question and we’ll kind of start winding down with this one. But, so if you could go back.

Bernard Grant (24:19.821)
Yeah, sure.

Stephen S. (24:23.994)
to when you started investing in real estate, buying your own properties, and then now where you help other people to do this through the grant process. If you could go back all that experience and take it all with you starting from scratch, what would you do different and what would you do the same?

Bernard Grant (24:25.891)
Yeah.

Bernard Grant (24:45.72)
So differently, I would definitely say my, and I don’t even know if this is going to sound kind cliche, but my confidence. I would say there’s definitely something subconsciously I would say for every first time home buyer. And even if you have multiple properties, because even now I kind of get that, hey, is this too good to be true? Or what am I kind of doubting? But really I would say the mindset part of it. If I knew everything I know now, and if someone just taught me and told me, hey Bernard,

This is everything I have. I’ve been doing it for years and they just laid it out in front of me. I said, this is going to be easy. It doesn’t have to be hard. It doesn’t have to be tough. And I think a lot of times we look online and we look at the TV and we say, everything’s just getting too expensive. It’s so hard. It’s so hard. And for whatever reason, those are the narratives we hear. But when you’re really on the ground and looking around, yeah, home prices are going up, but so is everything else. So are these budgets that are being allocated to help kind of offset that.

So if I knew everything that I know now, I would just have more confidence in the home buying process and even the first couple properties, even more confidence with saying, okay, I know I have this one, can I buy another one? Because if something goes wrong with number two, am I going to still be able to afford number one? And then just kind of going from there. So I just think the confidence of the overall home buying experience and just the enjoyment of it and saying, okay, now I’m doing this because I’m enjoying it, I love it, this is a home that I really see myself in and this is a home that I see.

other people living in. I have personal relationships with some of the tenants that we have and it’s, they tell me all the time, Bernard, you’ve literally changed my life. I didn’t think it was even possible to be able to afford rent in this city for this price, but that’s also really not my goal and the goal of my team. And even when we started this company, it’s not just to have a bunch of homes, hike the price up and charge people the most amount of money. It’s really to help people because there are certain situations I’ve been blessed and my family, we’ve been blessed.

Stephen S. (26:21.298)
Hmm.

Stephen S. (26:36.818)
Hmm.

Bernard Grant (26:40.238)
to really be able to help, you know, be a blessing to other people. And that’s something that I really take pride in as well. And for me, it’s not just all about the money. It’s about the human aspect because we’ve all been there. I’ve rented before and I knew what it was like when, all right, the first is coming up and maybe I don’t have everything that I need. And I remember what those days were like. So I really try to help my tenants. And when we do residential, you know, our residential properties, we really care about the individual and we really care about every single person.

And that’s something that I would say to any person investing, make sure you really care about the individual because the same way that house was built, the same way that house can fall and then you’ll be looking like, man, I wish someone would just help me, you know, so.

Stephen S. (27:23.236)
Yeah, absolutely. You’re blessed to be a blessing,

Bernard Grant (27:27.682)
My slogan I say is come get blessed with a grant from me, Bernard Grant. So that’s kind of what I say. I know. Hey, Stephen, I was born for this. I was born for this, Stephen.

Stephen S. (27:32.69)
It’s so perfect your last name is like literally what the chances My literally my goodness well Bernard Thanks for joining us today if anyone wants to learn more about you or what you’re working on where should they go for that?

Bernard Grant (27:50.444)
Yeah, so zero down smart start dot com. So not the not the number just spell it out zero. So zero down smart start dot com or you could email us as support at zero down smart start dot com.

Stephen S. (28:03.354)
Awesome. Well, everyone, hope you enjoyed today’s show and we’ll see you on the next episode. Thanks again for being here, Bernard.

Bernard Grant (28:07.65)
Thanks Stephen. Thank you.