Master Out-of-State Real Estate Deals with Mitchell Jaworski: Tips for Remote Investing Success

Mitchell Jaworski (00:00)
As far as markets, I mainly operate in Massachusetts and Pennsylvania, mainly suburbs of Pittsburgh for for for Pennsylvania. And you know, all I do all that from from my desk in Florida. So out of state investing, but you know, partners are key to that. So you know, you can invest out of state. you know, some people do it on their own and just, you know, have resources. Others, you know, do it with partners. I’m a boots on the ground type of guy. so I only partner with you know, I only invest in areas where I can partner with someone that is local and will be my boots on the ground.

Freddie Steen (02:10)
Hey everyone, welcome to the Real Estate Pros Investor Fuel Podcast. I’m your host, Freddie, and today I’m joined by someone I’ve been looking forward to chatting with. Mitchell Jaworski is not just a real estate investor, not just a real estate pro, but he’s someone who’s been able to marry his love for basketball and bounce it to become one of the most niche and knowledgeable real estate investors this podcast has had the fortunate benefit of meeting. He’s been making serious moves in real estate, particularly in the underwriting space. Mitchell, I’m glad to have you here. I think our listeners are really going to take something away from how you’re approaching underwriting, capital raising, scaling, and flips. Let’s dive in. So, first off, for people who may not be familiar with your world, give us the short version. What’s your main focus these days? And Mitchell, what what markets are you operating in as a private?

Mitchell Jaworski (03:17)
Well, I appreciate having me on first and foremost. And yeah, far as markets, I mainly operate in Massachusetts and Pennsylvania, mainly suburbs of Pittsburgh for for for Pennsylvania. And you know, all I do all that from from my desk in Florida. So out of state investing, but you know, partners are key to that. So you know, you can invest out of state. you know, some people do it on their own and just, you know, have resources. Others, you know, do it with partners. I’m a boots on the ground type of guy. so I only partner with you know, I only invest in areas where I can partner with someone that is local and will be my boots on the ground. I’ve also been blessed and smart enough to do that with people that are GCs. So both my local boots on the ground partners are GCs, which, you know, very helpful, you know, in terms of knowledge b— knowledge base and just obviously anytime, you know, we’re doing work and permits and all that. It’s— it’s been a fun journey. It’s been interesting too. you know, I’ll put a bow on it saying, Know your market. I always tell people, I’m like, know your local market because in— like I started investing in South Florida myself, you know, just doing townhomes and single families, you know, old school, 20% down. Save up again, 20% down, you know, back when I had a good corporate job, making that nice paycheck, you know, doing traditional loans. Man, that seems like a lifetime ago. But anyway, I you know, started investing in Massachusetts and realized it’s a completely different world, like the laws, the rules, the regulations, and the same thing, even when you go to Pennsylvania, it’s different than you know, Massachusetts. So that’s one big thing I want people to remember right off the bat, like know your market. So wherever you invest, like get to know the rules and regulations because there’s plenty of things, like for instance, you can do in Florida as a landlord that are straight up illegal in Massachusetts. you know, and so it’s just like know your market. It’s the thing I preach all the time. Anytime I’ve coached people or helped them, it’s just like know your market, know your market, know your market, because if you don’t know the operating principles of the market you’re in, how are you supposed to make a informed, educated decision and therefore make a good investment?

Freddie Steen (05:38)
Love it. Love it. You were able as a proud New Yorker to bridge this gap between the state of New York and build your business and scale it to outside of Pittsburgh. We’re talking, you know, Midland, Aniston, Swickley, Erie, and then also go down to Florida and then connect with general contractors. I want to take a step back. Can you tell our audience the benefit of being able to connect with the general contractor, a GC as we say in the—

Mitchell Jaworski (07:00)
Well, I mean, you know, as the saying goes, I’m sure, you know, we’ve all heard it being in real estate circles, and I always flip flop it, but it’s the, you know, your net worth is equal to your network or your network is equal to your net worth. I always flip flop it. But anyway, you know, it all comes down to networking really. and this is something that I didn’t actually do until really I got into like my mid thirties. I used to be a very— no one believes it since I’m very talkative, but I was a very introverted like social anxiety, like, you know, didn’t really, you know, talk to people and didn’t, you know, introduce myself to like new people, you know, very small circle. you know, didn’t really trust a lot of people. but you know, as I grew and evolved as a person, I learned to network. I learned you know, how to just really build rapport with people, right? And be able to, you know, get a vibe for people and whether they were, you know, quality humans that, you know, you wanted to interact with or do business with. So it’s— I wish I say there’s a like a magic pill, but it’s really just goes back to the networking. Like, you know, whether it’s going to local real estate investor events, whether it’s being part of an investment community, whether it’s even leveraging your existing network, right? You know, one— like my one partner, Massachusetts, you know, I know him since I was fourteen years old. Like we used to play basketball together. Like him and his family is the reason I play basketball. Like they were a basketball family from Brooklyn and you know I was playing lacrosse and football and then I started hooping instead. And then, you know, they would teach me, you know, how to play because, you know, they— his dad, his uncle, they could hoop. So they showed me what was up and then you know, many years later, you know, my my buddy up there, you know, he wanted to get involved in real estate investing and he knew I was already doing it. So know we started doing that together and then he actually wasn’t even a GC at first. Like he just did bathroom remodels and that was it. you know, we worked together and I helped him get his GC license because I knew it would be beneficial not only to him and he’d have that, you know, because you have that, you’re good to go. Like, you know, whether we are doing real estate or not, it’s like now you know, you know, you got almost like a golden ticket, so to speak, because this— in my opinion, there’s always work. I mean, every year it goes by, I feel like there’s less GCs, less plumbers, less less electricians because, you know, seems the, you know, the younger generations don’t really want to do it as much. But so, you know, that one was kind of like you know, build and create, you know, and then my my partner in— that’s the GC in— in Pittsburgh area, he— he was in my network. He was in, you know, the investor community I’ve been part of and you know, he was newer and, you know, had a little bit of experience with real estate investing, but he had a deal and he was looking for someone to partner up on it. And I ended up doing this deal with him and and and another partner and he already had his GC license. So that was one of the reasons I actually, you know, moved forward on the deal. Like I was looking at, you know, kind of like, all right, you know, why am I gonna green light this deal? And it was between the numbers on it being just phenomenal. Like there was such a spread that I knew— I knew that w— it didn’t matter the stuff that I was missing because it was a brand new market to me. So I’m like, all right, I know there’s stuff I’m missing. I know that there’s gonna be costs or or or delays or whatever it is that I can’t factor in. But the spread is big enough that I know we’re good to go. so it w— between that, the fact that, you know, he was an experienced GC and some other factors is why I decided to, you know, pull the trigger and jump into that market. Because you know, anytime I jump into a new market, I don’t take it lightly. ’cause, you know, there’s always gonna be surprises when you start somewhere new.

Freddie Steen (10:40)
I love it. I love it. What what caught my attention about you, Mitchell, was the way that you’ve been able to leverage your experience through COVID, where the focus in Florida was, as you’ve shared with me, really more about Airbnbs seeing the transition out of that and then still being able to manage multiple markets while still keeping your margins strong. That’s not easy, especially in this climate. Mitchell, what’s what’s been the key to keeping that machine running smoothly?

Mitchell Jaworski (11:49)
It’s— it’s funny. I mean, you know, it’s like we all have our our things that are both both a blessing and a curse. It just depends on when and what the environment is. So, you know, I’ve always been just— I think everyone is default either more fear or more greed. Like those are the two biggest human emotions and and the people that you know— you we know those aggressive people. We know, you know, the greed— more greed-based people. Those are people that can scale up in no time flat, make a ton of money, you know, just look like the absolute baller, but they’re also the same person that when the trend turns, they’re the first ones in trouble, right? And then there’s the people that are more risk adverse, you know, more fear based that very slow and steady, you know, it’s I always joke and say, to make a baseball reference, like I was just like, no matter how much I want to try and push myself to be a home run hitter, like I’m never gonna be Barry Bonds. Like I am Ichiro Suzuki slapping singles to the Hall of Fame. You know, and occasionally I’ll get a double. Like because for me, it’s just like that— my— my default setting is is that safety button, you know, it’s— it’s so I have to, you know, push myself more to be aggressive. But the beauty of that is is that when you are in markets where it’s not all good, you know, I’m the one that is in good shape. I’m the one that’s still making money. I’m the one that’s not scrambling you know, raising capital or or weren’t wondering, you know, how I’m gonna get the bills paid. so you know, again, blessing and curse, you know. So during— during like the easy money expansion days, did I— did I grow as fast as a lot of other people I knew? No, I didn’t. Right. But at the same time, over the last year or two, I’m the only one, you know, of those people that isn’t saying like, you know, I can’t pay my investors, or I gotta raise more money, or I gotta, you know, unload this property, I’m gonna take a loss on it. You know, it’s just I always joke and say my my worst and best brag is that I’ve made money on every single real estate deal I’ve ever done. So what does that tell me? It tells me two things. It tells me, one, all right, you know, I actually am decent at this, I can know what I’m doing. But it also tells me that I wasn’t aggressive enough because it’s just like w— at the end of the day, I think it was Gary V said this quote. He’s just like, you know, he’s a very aggressive guy, right? He’s just like, well, the problem is people are worried about being perfect. He’s like, so while you’re seventeen and 0, I’m a hundred and twenty and eighteen. So which one’s better? And I’m like, well, obviously his is better because he’s got, you know, a hundred more wins. So it’s— but— but you know, to— to kind of wrap that up, it goes back to know thyself, right? You have to know what you dr— like, biggest thing in investing, whether it’s real estate or any other kind of investing, you know, whether you’re day trading, real estate, you know, crypto, it doesn’t matter. If you’re someone that is naturally more risk adverse, then you have to recognize that and then invest around that. If you’re someone that’s naturally more aggressive, then you have to recognize that and invest around that. Because the person that is very aggressive needs to learn how to put some guardrails on their investing so they don’t blow themselves up. Right? The person that’s very risk adverse needs to s— understand that, all right, when are the times that I need to put my foot on the pedal? Right. And what are the— what are the alerts and or triggers that can kind of just tell that, you know, that— that let me know. So I have, you know, the logical reasoning that my risk adverse brain needs to say, all right, this is the time. Like, you know, you gotta— you gotta be more aggressive. so that’s the biggest thing I’ve learned in, you know, twenty five years of investing in all sorts of different things. biggest thing is just know thyself and, you know, are you more aggressive or are you more risk adverse? And then you can, you know, build around that and improve yourself.

Freddie Steen (15:42)
Love it. Love it. now now every operator that I know has a moment where things got real. Much like what you’re speaking of in your comments about your journey over twenty-five years, maybe a deal that went sideways or a time you had to pivot fast. You mind sharing one of those moments for you?

Mitchell Jaworski (16:48)
Yeah, yeah, and I mean— and that’s the thing. I mean, as much as, you know, I’ve quote— you know, “played it safe,” that doesn’t mean, you know, I didn’t have to figure some things out and didn’t have, you know, some struggles you know, with with deals. I would say a big piece of I think investing is not so much just what you do, but also recognizing the resources that are available to you and— and— and using them. That was a big issue for me was I tried to do too much myself. So I got jammed up on a flip, I remember. it was actually the first deal I was doing with my partner in Massachusetts. It was kind of a beta test to see if that market actually, you know, was— was legitimate and if, you know, we could do a deal together. And really I tried to bootstrap the thing. And the problem with that was, you know, yeah, I might have saved some money on interest or whatever, but it jammed me up personally, where I was completely illiquid, like beyond illiquid. And, you know, there’s— like I said, I invest in other asset classes as well. And there was like kind of a ask— there was something— there was an asset class where at the time it was on to me, it was like a once-in-a-lifetime buying opportunity. And I had no capital available. I was like— like I was maxed out. Like, you know, my equity line was maxed out. My cash was gone. You know, we had all the— you know, rental budget on the credit cards. so my biggest lesson to the— for and with that was, you know, that there’s an opportunity cost and liquidity has more power than people realize. And as real estate investors, I think we’re very boom bust with liquidity. We’ll get liquid. Then— then we’ll— then it’s just gone like that ’cause we put it into other deals. And so now, you know, because of that experience, I learned to leverage other people’s capital. I’ve learned to make sure there’s always some liquidity, you know, for— you know, especially personally, but ideally in the business. so yeah. And you know, I’d say outside of that, you know, probably— and it’s ironic, it’s really just been on the— it’s mainly been the flips, really not the— the buy and holds and you know, and we do the BRRRR strategy mostly, you know, is what I’ve been doing all on all the rentals. But you know, I think we had a flip where, you know, it was rental budget was a little more than expected, and short on capital and you know, blessed enough that it have a large enough network where I can— I can find capital you know, especially smaller loans relatively easy. So, you know, had a twenty five, thirty K, you know, kind of gap and was able to, you know, grab those funds. But the reality was, like, if I didn’t have the network I had and and have potential lenders, yeah, that would have jammed us up. And it’s not a big amount of money, but at the end of the day, if that’s what you need to finish the project, it’s a big amount of money, regardless of what the number is. because no project not getting done means you can’t sell it, means you’re just bleeding money every month, paying your hard money lender or whatever else it is. so yeah, those are— those are you know, kinda the moments of frustration. and— and— and— and I think that goes along along with timeline. You know, that first beta test flip, that thing took us like a year. Like, it ended up working out tax wise ’cause it was a— it wasn’t a short term capital gain ’cause it took us like a year to flip that house, and a big piece of that was because we were trying to do everything ourselves. you know, and— and— and lessons learned and, you know, it— it— it was— that was seven, eight years ago, so it feels like a lifetime ago. And, you know, now the resources we have between you know, GCs and and and subs and and and even capital is is a world different. and I think a part of that is from not only the growing— the networking, but also like the decision to leverage those things, right? sometimes you try and do too much yourself.

Freddie Steen (21:01)
Mitch, I mean, you’re talking underwriting, you’re talking GCs, and you’re talking networking. I mean, especially when you already got the underwriting in place and the industry knowledge, the next move can either compound things or create chaos depending on how you play it. So now I know a lot of people listening are either earlier in their journey or looking to level up. I can’t think of a better way they’d benefit from hearing this than asking this question. When it comes to building relationships and growing your network, what’s made the biggest difference for you, Mitch?

Mitchell Jaworski (21:45)
Honestly, not the answer people are gonna want. Time. Everyone wants it overnight. I— I’ve you know— I will, man. for instance, like the networking piece, right? It wasn’t like— and granted, listen, and I know people this has happened for, ’cause like, you know, the local, you know, meetup I— I co-host, you know, we have, you know, I have a buddy that he went to the meetup—

Freddie Steen (21:51)
Explain.

Mitchell Jaworski (22:10)
And on the first time he came he met his partner and then they— they just hit the floor running, because it was a good partnership. Like the other guy had access to a good chunk of capital and you know, the th— the— the buddy I know, like he was very much able to be the sweat equity and be the operator and and and— and you know, kinda be that, you know, general partner. So they scaled up real fast and and— and did and did well. That unfortunately is not the norm. Like, you know, you don’t meet the right person going to one networking event and— and— and like— and they end up being a solid human and— and because that— that worked out. And it can. That can happen. You know, I’ve seen you know people, you know, meet people and and then turn into good partnerships or good resources relatively quick. But there’s also the slow burn. and it’s the count— the compounding effect that everyone talks about even with you know money. That happens with relationship capital too. You know what I mean? So I have a private money lender I use for most of my purchases now. And you know, I met him. He came to my meetup, and then we were loosely in touch, you know, on and off for years. And he had a really good business and he wanted to get into real estate, but the business he had was very demanding, but he made great money. He was really talented, and he is talented at what he does. And stayed in touch loosely. Well, few years pass by, turns out we have a mutual friend. We end up at said mutual friend’s house, like having a s— like a cigar in a bourbon. And I end up asking him, “Hey, you haven’t ended up, you doing anything in real estate? And are you talking about investing in like North Carolina?” And he’s like, “Nah, man, it’s just like my business is just so, you know, you know, busy and whatever.” And so I told him, I was like, “You do realize you can lend money to real estate investors. And that essentially makes you a real estate investor.” He’s like, “Wait, what?” He had never heard of private money lending or hard money or— so you know, we kind of talked out examples and I told him, like, “All right, listen, next time I have something that pops up, like, I’ll give you a shout.” So that’s how I found my— my— my main private money lender. you know, was someone that I’d met years prior that I was loosely in touch with over the years, and we had a mutual friend, and you know, and obviously it always helps when the mutual friend vouchers for you and— but and that relationship’s been great. I’ve been using him for you know, three-plus years now. I spoiled him at first because I paid him back early, like I— you know, with— with the guaranteed interest. And it’s just like, you know, at that point he— he— he was good. You know, we did a few deals that first year or two and now he’s— he’s— he told me, he’s like, “You’re part of my overall investing strategy.” He’s like, “So keep coming.” Slow burn though, you know, someone I had met, you know, three years prior. you know, so—

Freddie Steen (25:00)
Again.

Mitchell Jaworski (25:07)
I think what is it? It’s like, you know, it kinda— kinda goes back to like the Nick Saban, Bill Jel— Bill Belichick, you know, like, “Do your job,” right? It’s like if you just show up every day and do the things you’re supposed to do, you’re gonna bear the fruit. But you just don’t know when. It might happen a month from now, it might happen a year from now, it might happen three years from now. so you know, the biggest thing I’m gonna say is be patient because the time’s gonna go by anyway. You’re gonna look up and be like, “Whoa, how is it five years later, ten years later?” so you might as well do things that are gonna move the needle forward. you know, it’s like that, you know, “one percent better every day” type thing. and then occasionally you’re gonna have those moments that pop up where, you know, something just pops off quick and take those. Those— those I call— I call those, you know, the— the bonuses. Yeah. So just, you know, just gotta you gotta do you gotta do the thing. And yeah. So and it ebbs and flows. Like I don’t network like I used to. There was this period where I was going through you know, one to two networking events every week. Now I go to— I go to two a month. And sometimes I don’t even make both those, you know? So there’s— there’s seasons in your real estate investing career. And when you’re first getting started, yeah, it’s when you probably want to be hitting the networking hard. it it’s when you wanna be doing the reps, you wanna be running numbers, like just— I mean, I have underwritten thousands of properties and you know, and even though you can have AI do it for you now, I still suggest you understand how to do it and what the numbers look like and how they work, because it’s no different than understanding, you know, like if you’re gonna hire property management, I come from the camp of I want to man— like I manage my first few properties. The reason I did that was because now I know what property management looks like, what goes into it, you know, what good operations are. So if you hire a property manager, you actually have a gauge on whether they’re doing a good job or not. So— but this is how I operate. Not everyone’s like that. I come from the camp of experience is the best teacher. So it really— like it’s one of my favorite hip-hop lines from— from Gang Starr: “Experience is the best teacher.” I quote it all the time. And you know, as much as you know, me or Freddie or whoever could teach people about real estate, there’s always gonna be things that we haven’t experienced that someone else is gonna run into, you know? So just do it.

Freddie Steen (27:41)
Mitch, I— I— I have to say that you sparked something in me when you said that because I happen to know something that our audience may be able to relate to. You’re a fan of a famous Ludacris line—you mentioned music just now. And that— and that line is—you use that line in a creative way to become a mantra for your real estate pro career. That line is “organize and collect.” Can you tell our audience why “organize and collect” marry to your goals in real estate? That stuff you can’t fake.

Mitchell Jaworski (28:18)
Yeah, yeah. So I mean, yeah, I’m notorious for quoting movies and and and and hip hop songs. In fact, in my investment community, we do a weekly call and literally I’m expected to give a hip hop quote related to whatever the principle is each week. It’s no pressure. But yeah, I heard— I heard that line in— in— in— in a movie, you know, he said, “organize and collect.” And it you know, that’s really when it started to turn my mindset on all right, you know, how do I make money without me having to do all the things? Like, you know, and get away from active into passive. And, you know, that ironically, timing wise, was somewhere around where I started looking at real estate and getting away from, you know, active like day trading and and and stock investing. so and it’s been a slow burn because you know, I mentioned to you earlier, the last like year or two, I’ve really started to learn how to like create that win-win scenario where by me organizing, I’m also collecting. That was a running joke. Like my CPA is a buddy of mine and he was making fun of me for years. He’s like, “Bro,” he’s like, “you’re great at organizing.” He’s like, “You suck at collecting.” And he’s right. Like, I don’t like asking for money. I don’t like asking people for things. You know, that’s something I had to get over also. So, you know, to answer your question really, you know, it’s about just being an operator, right? You know, there’s a difference between running a j— having a job and running a business. And I think anyone that’s read any of the, you know, popular books, you know, whether it’s like *E-Myth* or, you know, *Traction* or any of those, you know, talks about that. you know, are you basically building a job or you’re building a business? And when it comes to even running, you know, a real estate portfolio, she’s like, “All right, yeah, you can still be active in it.” That’s fine. Like I have my active roles, but I have partners and I have, you know, subs and I have, you know, whatever, you know, accountants and doing the things that they need to do. And at the end of the day, it’s like I’m kind of organizing all of that because it’s just like I’m making sure the CPA and the bookkeeper has what they need. I’m, you know, working with my partner to make sure we’re on schedule and he has the resources he needs to get the job done. I’m making sure that the liquid capital is available so we can, you know, do the renovation we’re doing or we can purchase the next property or whatever it is. So it’s kind of like I touch a lot of things, but none of them are like this everyday job. so it’s, you know, just— I don’t even— it’s— it’s weird. I— I feel like trying to find out a clean way to explain it, but I just— I feel like I’m organizing it all as opposed to just like working on a specific thing. and really it’s just to keep, you know, the ball rolling forward, right? You gotta make sure— you gotta make sure like, you know, there’s no chunks out of the ball, otherwise it’s not gonna— it’s gonna be bouncing around left and right and maybe not moving forward or maybe get stuck. So, you know, it’s really just, you know, organizing everything to keep it a, you know, what is that? The well-oiled machine. so, you know, as far as within the business, that’s how I kind of look at it. As far as like my overall like investment, and just like building multiple streams of income, right? Because that’s the goal, right? Like real estate is is a potenti— is a stream of income, but it’s like, you know, what is it, average millionaire has seven streams of income, right? Like I’m at f— I’m at four right now. I’m trying to find the next three. you know, it doesn’t mean you have to have seven, but you know, that’s the latest thing was with— with the— the lending piece. Like I have so many people over the years that have come to me looking, “Hey, do you know a lender?” or “Hey, do you know someone to do this deal?” or— and I’m just like, “All right, I’ve spent a decade essentially vetting lenders, going through bad experiences myself—lenders that, you know, I had to get burned by or lenders that, you know, no longer actually operate well because maybe their back office went to— went to, you know, just subpar you know, work.” So now, you know, I got to the point where it’s just like, “All right, well, how do I benefit also from this? Like I like helping people, but it’d be nice to like, you know, get a little something too.” So, you know, this past year now, I mentioned to you like, you know, earlier, I have now where I worked with the lenders like, “All right, you know, when I connect you with lenders, and I mean borrowers, you know, I’m expecting a referral fee.” And you know, they were happy to give it. so it’s great now because I would have sent whoever I know that needs a loan, like I would sent them to the appropriate lender that I have a relationship with anyway. So now the fact that I get a— a little referral makes it even better. It’s like, all right, sweet, everyone’s still getting what they want, but I’m also— so and that’s the thing. It’s like I’ve been doing that for five-plus years now, connecting people with the things they need. So it’s nice that I’m able to get a little something out of it and— and it doesn’t, you know, doesn’t really cost you know, them anything. So and that’s the win-win. And that’s really what I thrive on, right? Is finding the win-wins. so yeah. Organize and collect, figure out how to get paid.

Freddie Steen (33:24)
Organized— organizing correct, yeah. relationships are everything in this space. So, all right, before we wrap, Mitch, you’re an author, you are a public speaker, you’re a real estate pro, you’re loquacious. If someone wanted to reach out to you, since we’re talking organize and collect in a James Taylor, “You’ve Got a Friend” way, what’s the best way for them to reach you, Mitch?

Mitchell Jaworski (33:32)
Yes, sir. Okay. Let’s— let’s give Freddie a plus for his— his— his SAT word he threw out there a minute ago. But yeah, as far as get in touch with me, I mean, obviously I’m on Facebook, so if you just search my full name, you’ll find me. and then I have my website, ScaredyCatGuide.com, which honestly has a ton of blog posts about real estate investing that I will say are dated, but they’re timeless because it’s about the fundamentals of investing. So and there’s— I even have a property calculator on that— on that site as well that you know is free to use. so it’s still out there, you know. I’m not as active on that side anymore. And then, you know, if people— anyone that’s new, either if you’re either A, looking to buy your first property or you’re looking to buy like, you know, you’ve gotten your first property, but you’re looking to really kind of like level up to that next property, I think my book is great for that. It’s really built for the newer investors, or anyone that really even struggles with underwriting. Like I kind of, you know, give you the simple formula of what you need to understand when it comes to underwriting. so if you just put in my full name, Mitchell Jaworski, in— in Amazon, you’ll see my *ScaredyCatGuide: Investing in Rental Properties* will— book will pop up. And then yeah, as far as the lending too. If anyone, you know, if you need a DSCR lender or fix and flip lender, like I said, I have two that, you know, I’ve used for years that are kind of vetted out. you can go to SCGLoanConnect.com and just fill out the form and you know, it’ll let me know what you need and I can send you to the right guy to you know, get your get your loan done so you can get your deal done and build that real estate investing portfolio that, you know, we’re all constantly growing even when we say we’re done.

Freddie Steen (35:43)
Perfect. And thank you for sharing the *ScaredyCatGuide* with us. Listen, I appreciate your time, your story, your perspective. We need more people in this space who are doing it the right way. And thanks again for being here, Mitch. And for those of you tuning in, if you got value from this, as you always do from my pod and our other podcasters, make sure you’re subscribed. We’ve got more conversations coming with operators just like Mitchell, who are out there building real businesses. We’ll see you on the next episode. Thank you, Mitch.

Mitchell Jaworski (36:21)
Thank you.