COVID hit hard in many areas, and the economy was no exception. Inflation in the post-pandemic world can be felt everywhere, even in your investments. So what can real estate investors do to solve this problem?
Joining us today is Mark Goux, a real estate investor who specializes in rehabs for distressed properties. He has been working full-time in the industry since 2014 but has only started raising Private Money recently—he has raised $800,000 in just five months!
Check out as we talk about his work, the current economy, and why raising Private Money could very well be the solution real estate investors need.
Key Takeaways:
- Raising Private Money in the post-COVID economy.
- Private lenders are regular people, which means you can find them everywhere.
- Private Money is more available, and it allows you to let family and friends benefit from your success.
- Private Money puts you in control of the terms.
- Investing as a private lender is low-risk.
- Investing with Private Money allows you to make deals faster and have multiple deals simultaneously
Check out my book: 7 Reasons Why Private Money Will Skyrocket Your Real Estate Business and Help You Build Incredible Wealth!
Get it here for FREE: www.jayconner.com/moneyguide
Connect with Mark Goux:
Phone No: 203-464-3682
Email: mr.flip.usa@gmail.com
Timestamps:
0:01 – Raising Private Money with Jay Conner
0:51 – Today’s guest: Mark Goux
2:21 – How Mark’s RE Business Changes With Using Private Money
3:42 – The Greatest Blessing In Disguise
5:28 – What Is Private Money?
6:10 – How To Start Using Private Money On Your RE Deals.
7:45 – How To Find Private Lenders.
11:08 – Private Money Is What Been Missing In Your Real Estate Business
12:36 – Jay’s Free Money Guide: https://www.JayConner.com/MoneyGuide
13:57 – Private Money vs. Hard Money
18:34 – Using Private Money Is a Win-Win Proposition
22:13 – Reasons Why You Should Use Private Money
23:27 – How To Start A Conversation With A Potential Private Money Lender.
27:09 – How To Get Private Money Chasing You.
How Mark Goux Raised $800 Grand in 5 Months!
Jay Conner (00:00):
I prefer doing business with individuals, and private lenders I have taught the private lending program to. In fact, Carol Joy and I’ve got 44 private lenders right now funding our deals. And none of them, none of them had ever heard of private money, private lending. They had never heard about self-directed IRAs until we taught them.
Jay Conner (00:51):
Well, you cannot deny it. We are living right now in unprecedented times. Our post covid economy has seen rampant inflation in the wake of the sheer volume of money that was printed in just 2020. And I know you felt it. You have felt it at the grocery store, at the gas pump, your investments, and just about everywhere else you go. Well, joining me today to discuss a very hot topic, and how private money is your solution to your real estate investing business is my good friend and mastermind and platinum member Mark Goo. Mark has raised $800,000 in private money in just the past five months. My lands, he is a real estate transaction engineer. He’s been full-time since 2014, but he just really got involved in this world of private money. He’s done some of the biggest rehabs on distressed properties that most real estate investors walk away from. Thus, he improves neighborhoods and he turns that eyesore property into one of the nicest houses in the area. So if you want to be in control of your real estate investing business, and you want to get all the private money and funding that you would ever want for your deals, you do not want to miss one second of this episode. Put your seatbelt on and let’s dive in right now.
Jay Conner (02:20):
Well, mark, what did your real estate investing business look like prior to you starting to use private money and how’s your business changed since you started using private money?
Mark Goux (02:33):
Well, that’s a great question, Jay. You know what, actually, I had a very line very nice line of credit actually with a lot of lenders in my areas. But you know what? They just could not get the deals done fast enough to my liking. And, you know, ever since I started getting private money and private lenders, you know what? My business has gone through the roof. It’s skyrocketed.
Jay Conner (02:59):
How much would you say, I mean, how many x times has your business improved since you started using private money?
Mark Goux (03:08):
Wow. You know, I would say 15 to 20 times.
Jay Conner (03:12):
Wow.
Mark Goux (03:13):
I mean my phone is not stopping. My phone is ringing. I’ve got a lot of people that are reaching out as well who know about my program and they wanna know more about it. And everybody wants to get in, get in, you know, the stock market right now is very volatile. And when I started, you know, teaching people how they could earn great rates of return, they really, they were like, wow, we never even knew we could do this way.
Jay Conner (03:42):
You know, mark, I can relate to your experience so personal and so well, I remember it just like it was yesterday. You just mentioned you had lines of credit at the bank and they just weren’t getting it done for you. Wow. I remember when I was relying on lines of credit myself to get my deals funded from, actually when I started in 2003, the first six years from 2003 to 2009, that’s all I had. I had, you know, a line of credit at the local bank for six years. They did all my funding and you say your lines of credit or your bank was not getting it done. Not only was mine not getting it done, but they cut me off <laugh>. I quit with no notice in 2009. So, you know, this world of private money actually was the biggest blessing that I’ve ever had in this business.
Jay Conner (04:31):
In the first year that I started using private money that year, from 2009 to 2010, my and Carol Joy’s business actually tripled. And you know, back then foreclosures were everywhere. Banks had stopped loaning money out to people. So you had to have the cash, you had to either have your own cash or you had to have private money. And of course, we’re not talking about hard money. I mean, my lands back then, I mean, even the hard money lenders had shut down, you know, as they did again during Covid. And, you know, speaking of Covid, I actually had more private money chasing me during Covid when that started than ever before Covid came along. So, you know, this water, private money just put you in the driver’s seat, put you in control, and you know, today I even have a problem of actually being able to put all the private money to work. So, you know, just to be sure our listener understands, you know, we’re not talking hard money, we’re not talking institutional money. We’re talking about doing business with individuals that are funding our deals, getting high rates of return safely and securely. So yeah, mark, I can really, really relate to what you’re talking about. So, you know, you have been, what year did you start investing in real estate
Mark Goux (05:51):
At the end of 2014?
Jay Conner (05:53):
- And when did you start using private money in your real estate business?
Mark Goux (06:01):
Probably about a year and a half ago.
Jay Conner (06:02):
Okay, gotcha.
Mark Goux (06:03):
A year and a half, two years ago.
Jay Conner (06:05):
So it’s been like pretty, like pretty recent that you started using it. So how did you get started and even use Private Money?
Mark Goux (06:15):
Well, you know, I just got tired of these deals taking forever to get funded. And sometimes you would even lose a deal based on that. So you know, I intended your boot camp and I was very amazed at what happened. It all tied in so to so beautifully together, and I’m saying to myself, this is exactly what I’ve been missing. You know, you can’t get all these deals done fast enough and the banks are only gonna go but so fast. There are hurdles and you know, this is just the normal process with the banks. So when I decided to go full-fledged total private money, my business has really, oh my God, it’s amazing what has happened. It’s just what percentage,
Jay Conner (07:02):
What percentage of your deals that you do? Would you say that you are using private money to fund the deal or part of the deal?
Mark Goux (07:11):
Right now? 95%
Mark Goux (07:14):
95%.
Jay Conner (07:15):
It sounds like private money’s pretty important to you and your business. Yep,
Mark Goux (07:20):
Very true. I might refinance a property that I’m keeping, but primarily, you know, I’m doing all my funding with private lenders. It’s amazing. And you know, it’s great to be able to hand ’em that check and they’ve got a smile on their face and you know, that this is something they really, truly appreciate as well.
Jay Conner (07:39):
I mean, yeah. And you’re speaking about your private lenders, right? Yes. Yeah. So speaking of your private lenders, where are you finding your private lenders? Who are they?
Mark Goux (07:51):
Well, there are people just like you and me, regular, average, you know, walk of life people that you’ll see anywhere and everywhere. I see ’em at the real estate meetings, I see ’em at meetup groups the Rotary Clubs, b and I meetings they’re there. And the funny thing is, you know, everybody knows what I do, you know, in real estate, and they’re actually approaching me and just saying, Hey, you know what? I know you’re a busy guy. You always got, you know, several things going on at once. Can you use some capital right now? And I’m like, wow. You know, it, it’s when people know what you do, then it all takes place.
Jay Conner (08:31):
How much private money have you raised so far?
Mark Goux (08:36):
So far in a short period of time? It’s taken off recently quite a bit, you know, but I would say it’s gotta be close to 1.2 million.
Jay Conner (08:46):
1.2 million. That is fantastic. So, you know, we were talking about where you find these private lenders, as you said, they are people just like you, just like me. Yep. my private lenders come from, like, yours come from three different categories. They’re either people that I’ve already got a relationship with or I’ve got some kind of connection with ’em. The second category is what I call the expanded market. You know some people tell me, they say, well, Jay, my, you know, my network is not that large. I don’t know that many people. And so, you know, I teach people how to network, how to grow their network because the network directly correlates to someone’s net worth getting involved in the community, rotary clubs, et cetera. And then the third category of private lenders is existing private lenders, individuals that are already loaning money out.
Jay Conner (09:38):
But I actually prefer, and you used a really, really important word an l a few minutes ago, and that was the word teach. You teach the people in your network what private money is, and you teach ’em about your private lending program. But I prefer doing business with individuals, and private lenders that I have taught the private lending program to. In fact, Carol Joy and I’ve got 44 private lenders right now funding our deals. And none of them, none of them had ever heard of private money, private lending. They had never heard about self-directed IRAs until we taught them. So you’ve got about 1.2 million in private money that you’re using right now. Mark, how many different private lenders is that comprised of?
Mark Goux (10:24):
Right now it’s about 16.
Jay Conner (10:27):
16 private lenders. Yep. Good for you. Wow. I tell you what, you, you have put your private lending program on steroids. So, you know, like in my own personal market in my like these 44 private lenders in our warm market, these are people that we go to church with. These are friends, these are people that you know, are at the Rotary Club. These are people in our own network that we have taught what private money is. And you know, none of them had ever heard of private money. They’d never heard of self-directed IRAs until we talked to them about it, right? And, and made this program available to ’em. So I gotta ask you, mark, how in the world did you feel, how did you feel when you were able to like breakthrough and finally realized that private money was the thing that you were missing in your business and start making more money per deal?
Mark Goux (11:24):
You know, Jay, it’s blown me away. It really has, you know, I mean, to be able to live your lifelong dream and know that you are helping great people in the process as well, that’s what really, you know, puts smiles on everybody’s faces, truly. You know, and kind of like you said, you know what it starts with building your networking. It’s family, it’s friends. And just a couple weeks ago I was going for a physical at a doctor’s office, you know, cause I’m having surgery on my wrist, and the next thing you know, you know, he’s like, what do you do for work? And I’m like, well, I’m a real estate investor and I actually teach people how to earn very high rates of return on their investment capital. And he’s like, whoa, wow. How is the real estate market going right now? And I’m like, well, for the way I buy properties, okay. It go, it is going very beautifully. I mean, the deals are plentiful. And I said you know what? I need more money just to fund all these deals and I’ve got a lot of lenders right now, but everybody wants to get in on the action. They didn’t even know that it could be done in such a way.
Jay Conner (12:35):
Exactly. Well, mark, I know we’ve got a listener that, that wants to know in detail how in the world to get this private money. So let’s give away a gift right now. I’m so excited about this brand-new private money guide that I just recently finished writing. And it’s called Seven Reasons Why Private Money will Skyrocket your Real Estate Business and Help you build incredible wealth. It’s downloadable, it’s free, and it’ll put you on the fast track to getting private money. You can download it for free at www.JayConner.com/MoneyGuide. Mark, have you ever borrowed hard money prior to doing private money?
Mark Goux (13:26):
Yes, I sure have. Unfortunately, unfortunately. But you know what? I still got the deal done, but I wasn’t able to help out my good friends who became private lenders, and it just went to the big institutions and banks,
Jay Conner (13:40):
Right? It’s
Mark Goux (13:41):
Almost working for corporate America. You’re putting the money in you know, the big boss’s hands, not your own.
Jay Conner (13:57):
So let’s talk about the differences. And there’s a long list, but from your own experience, you’ve borrowed hard money and now you don’t borrow hard money. You’re using private money on funding your deals. And of course, you know, when, let’s answer this question. When do you use private money? It’s simple. You use private money to fund your deals when the seller requires all the cash for you to buy the deal. And mark, you and I know in the real world, the majority of sellers require all the cash. In fact, you know, I’m a good negotiator, but after reviewing thousands of property lead sheets, my statistics show that only 13% of the for sale by owners will sell to me creatively. I e with seller financing on a wrap subject to the existing note,, the other 87% of those for sale by owners require all the cash.
Jay Conner (14:55):
Of course, for any property that’s in the multiple listing service, you gotta pay all cash. If it’s a short sale, you gotta pay cash. If it’s the auction you know, you gotta pay cash. If it’s a foreclosure that is being sold to the courthouse steps, you gotta pay all cash. So in the real world, the majority of the deals require cash. So back to what we were gonna talk about Mark next, and that is the differences between hard money and private money. The list is long, but from your own experience, what comes to mind as to the differences between hard money and Private Money, and why do you like Private Money better?
Mark Goux (15:33):
Well, I like private money better because I’m able to help my friends and family and associates, church ministers anybody that wants to be a private lender and you know, being able to help them is what’s gonna make me happy. But at the same time, the availability of the cash quickly is what’s gonna get the deal done. And not only is it gonna get it done quicker, but it’s gonna get it done potentially at a lower sale price because they wanna move fast. And that profit that I could make, actually, you know what? That’s how I’m able to pay such great high rates of return safely and securely to my private lenders.
Jay Conner (16:15):
Absolutely. Yeah. You know some other, some other differences that come to my mind is, first of all, in the world of private money, it’s your program, right? It’s not like the hard money lender makes the rules, right? Exactly. The hard money lender determines the interest rate, which by the way, I just recently checked with one of my friends that’s a hard money lender, the good night alive. And he’s normally like one of the lower interest rates on the street. He’s up to 12%, the national average, now he is over 14% and they’re charging much, much larger down payments. You know, in this world of private money I’m still paying my private lenders 8%, 8%. And you know, another big reason I love private money is we always bring home a big check. I mean, private money in, in one respect actually is no down payment deal.
Jay Conner (17:08):
Cause we don’t have to bring any of our own money to the closing table. We always get a big check when we buy. I mean, who wants to get paid right? To buy houses? We always borrow more than we need to buy the house because we’re buying ’em at discounted prices. Your credit score has got nothing to do with how much private money you can get. A hard money lender, of course, is going to pull your credit. And you mentioned it a moment ago mark. And that is fast cash, fast closings. You’re actually able to close quicker than you can through a hard money lender. I mean, the hard money lender, if you’re gonna borrow that money and pay that crazy interest rate and points, of course, in this world of private money, there are no points, there are no origination fees.
Jay Conner (17:54):
And you know, again, it just puts you in control of your business. Another thing is there’s no limit to the number of private lenders we can have. There’s no limit to the amount of private money we can have available. You know, when I was relying on the banks, I had a limit. I only had a million dollars line of credit. And when that million dollar was used up, which in this world, you know, at a medium price of $300,000, it doesn’t take long to go through a million dollars investing in houses. But in this world of private money, no limit to the number of private lenders, we can have no limit to the amount of private money that we can use. Now, mark, one thing you’ve said two or three times, and since you’ve said it two or three times, it must be really, really important to you on your heart top of mind. And that is, you have mentioned multiple times how you’re able to help out your private lenders. In my words, it’s a win-win. So explain how is it that this is a win-win proposition. How is this a win-win scenario? How is it that you’re able to help out people in your network by them being your private lenders?
Mark Goux (19:05):
Well, first off Jay, they’re gonna make a lot of cash. And you know, that’s, that’s very important to a lot of people, obviously. Number two, you know, they are gonna have a secure and safe asset. You know, we use attorneys to do all our deals. They are getting a mortgage on the property, the deed, they are with the in, they’re listed on the insurance policy and they are on the title policy as well. So that’s what’s key.
Jay Conner (19:38):
Yeah. So you’re not borrowing like myself, you’re not borrowing unsecured money. You are backing their note with either trust or mortgage. Which do you use in Connecticut?
Mark Goux (19:50):
We use a mortgage.
Jay Conner (19:51):
You use a mortgage, most people call it on the mortgage. You’re in North Carolina. The actual legal document is a deed of trust. But in either case, those documents are what collateralize that note. And you know, one question that I get often from new real estate investors is they’ll say, well, Jay, who’s gonna loan me money and I’ve never done a deal. And here’s the, and that’s a good question, that’s a valid question. And the answer to that question is, if you as the borrower if don’t pay the private lender, the property does. And what that means is since you are giving your private lenders a mortgage and collateralizing their note, if for some reason you don’t pay ’em well then they get the property, their profit, the money they would make is actually more than the interest rate that you would be paying them.
Jay Conner (20:43):
And so again, I mean, comparing the private lending program to the stock market, this is a whole lot safer and reliable. And they know what the rate of return is gonna be than investing in a mutual fund or a stock because the only security they got, and they call stocks a security, the only security they got is a piece of paper, which is called a stock certificate. And you know, another, big reason that our private lenders like yours, mark, absolutely love our private lending program, is that they don’t have to worry about their investment losing any value. So contrasting to the stock market, you know, when a, when someone invests in the stock market, they already lost money because there are fees, there are commissions in your private lending program like mine, there are no fees, there are no commissions. Your private lender knows exactly what their rate of return is gonna be, and they don’t have to worry about any kind of devaluation or losing any kind of money.
Jay Conner (21:47):
Because in our program, the private lender’s investment, and their principal loan amount remain the same, and then they know exactly what their rate of return is going to be. And then, of course, they get all their principal back when we sell the property or we cash out and then we put their money back to work for them, you know, just as soon as possible. As we mentioned, the list is long as to why we love private money. Mark, if you could only choose your top number one reason, your most favorite reason for using private money, what would that number one favorite reason be?
Mark Goux (22:25):
Well, it’s gotta be the fact that we could do multiple deals at once while we’re also helping those private lenders, you know, earn a great rate of return on their capital.
Jay Conner (22:36):
Yeah, me too. And you know, actually, we mentioned interest rates a moment ago, having access to the capital is actually more important than the interest rate that you pay. Just having the access and you know, just, I mean, mark, were you more, when you, when you first had private money available to you to use, did you find yourself more confident in making offers? Did you find yourself making more offers since you had that money burning a hole in your pocket?
Mark Goux (23:07):
Yep, absolutely. And it’s kind of funny that you asked that because you know what, you know, my phone yesterday rang and I had two people selling properties right away. They’re ready to go. <Laugh>, <laugh>, they wanna know if I had interest and I’m actually going to look at those properties tomorrow.
Jay Conner (23:23):
I love it. I love it. So I know one really, really burning question that people have when they have not used private money before, and that is, well, how do you start a conversation? What does that conversation sound like when you are first talking to a potential private lender that has never heard about private money, they don’t know what private money is and all that, how does that conversation go and how do you even start a conversation?
Mark Goux (23:54):
Well, you know, I just have that conversation with them and I have that, and I’m like, did you know that you can earn unlimited returns, high rates of return safely and securely? And they’re just amazed when I go through my program with them, you know, that that interest that they make is unbelievable. It’s gonna be something higher they’re gonna earn anywhere else. You can’t get that in the bank, not on a cd, not anywhere.
Jay Conner (24:23):
You know, mark, one of my favorite three words to start a question with is what you just said and that’s the three words. Did you know, did you know there’s, and of course, you gotta know what your private lending program is that you’re going to teach people you know, what interest rate are you gonna offer, what’s the length of the note, how they can get their money back in case of an emergency? And you know, if you’re interested in knowing exactly the private lending program that we teach to our potential private lenders that don’t know anything about it in the private money guide that I just told you about, seven reasons why Private money will skyrocket your real estate business that you can download@jconnor.com slash money guide that goes into the exact program that we teach to our potential private lenders.
Jay Conner(25:11):
And as you said, mark, it ends up being, and it always is, a win-win. And you know what there is, prior to Covid, there was 18 trillion available that could be used for private money cash that was sitting on the sidelines that was not invested on this side of Covid, at least as of two months ago. Quest, that’s the self-directed IRA company that we use outta Houston, Texas, where we have private lenders that have retirement funds that they want to use to fund our deals. Quest told me two months ago that now there’s 31 trillion, 31 trillion in cash that’s able to be used, you know, for private money. So, you know, mark, I don’t know if you’ve got the same problem I do, I’ll ask you. I’ve got more private money available to me right now than I can actually invest in my local market. How about you?
Mark Goux (26:08):
You know what, Jay? It’s definitely picking up more and more every day, to be honest with you, I’ve always got tons of projects going on. So, you know, with private lending, some people have a good chunk of money, which is more for the purchase price of the property. Other people may have a little bit, you know, not a little bit, but smaller amounts which are typically used for the rehab. So some people may have 30, 50,000, or 75,000, which may be the rehab. Other people have the, you know, the purchase price of the house. So that’s a beautiful thing right there. And some people have it all
Jay Conner (26:43):
Right. You know there are all kinds of ways that we teach people about this private lending program to where they’re chasing us to lend us money. We can have one-on-one conversations we can invite people to a Zoom and teach ’em the program. We hold, you know, private money luncheons. We have private money events where we have people come and we teach ’em. Mark, you know, you’ve already raised 1.2 million in private money in a short period of time. What is your most effective method of getting Private Money to chase you?
Mark Goux (27:21):
Letting everybody know what my program is, Jay. They already know I’m super busy. I usually have three projects going on at once. And you know what? We gotta move the project along so they know the money’s gonna be put to use. It’s going into rehab and we’re moving things fast.
Jay Conner (27:37):
So, so how, how do you let everybody know you? So you let everybody know, but what are the specifics of that? How do you let ’em know?
Mark Goux (27:45):
Well, I give ’em my contact info. That’s the first thing I do. How they could get ahold of me and you know, again, I see ’em at the RIA meetings. I, it’s family, it’s friends, it’s doctors, financial planners, and all these people, you know, once I let ’em know what my program is, they’re they wanna know more.
Jay Conner (28:06):
Absolutely. Well, you know, since most wholesalers and rehabbers know that they could put a house under contract with no money, what was it that made you choose to go the private money route? What inspired you to like gravitate towards using private money
Mark Goux (28:26):
To get these deals done faster? You know, to be able to, you know, get multiple deals at one time. Cuz again, the banks are not lending, you know on multiple deals at times. And, you know, I would rather build the relationship with these private lenders than I would be given the money to the banks because, you know, the private lender in essence becomes the bank.
Jay Conner (28:47):
Absolutely. And that’s right. I mean, that brings up a good point. These private lenders that we do business with do not own the property. Your entity owns the property. Yep. And the private lender acts in, as you just said, acts in the same capacity as a bank and they get the same protection as the bank. You know, you mentioned a moment ago, they get the mortgage that collateralizes the note. They are named on the insurance policy as the mortgage G. So if there are any claims filed with the insurance company, then actually the check is written by the insurance company to the private lender and to your company. They gotta sign up on that check. They’re named on the title policy as you know, an additional insured. And so, you know, they’re well, well protected all the way around just like a bank would be.
Jay Conner (29:39):
Mark, you have really got, an amazing track record. You’re a super successful real estate investor and entrepreneur and there just may be a listener or more than one listener that would like to learn more about your program and would love to do business with you and would like to earn high rates of returns safely and securely since the market is so volatile today. You know, my lands, even with interest rates going up, I just checked last week, and the national yield on a one-year certificate or deposit at the local bank is still less than 1% 0.97%. So Mark, if you would give out your contact information, your website, et cetera, how someone could get in contact with you and start earning these high rates of return safely and securely?
Mark Goux (30:27):
Yeah, well definitely Jay, I appreciate your number one asking me to be on the podcast and you know, I’m very thrilled to be here. So my phone number, you could get ahold of me and reach me at 2 0 3 4 6 4 3 6 8 2. And my email address is mr.flip.usa@gmail.com.
Jay Conner (30:51):
Excellent. So again you can, and, and, and actually Mark answers the phone when you call him. So you can dial mark directly at area code 2 0 3 4 6 4 36 82. That’s 2 0 3 4 6 4 36 82. And his direct email is mr.flip.usa@gmail.com. Again, that’s mr.flip.usa@gmail.com. Mark, what an inspiration you are. Thank you so much for joining me on the show today.
Mark Goux (31:23):
Well, thank you very much for having me, Jay. And you know, I appreciate you as a friend and a mentor and I’ve learned a lot from you. And you know, the way you did your program is exactly the way I do my program. So, you know, you’ve got 44 private lenders. I’m gonna get up there real soon. People know that I’m busy and we’re always buying property, so, you know, if they wanna earn those high rates of return safely and securely, they know who to call
Jay Conner (31:49):
You. Got it. Mark, thank you again. Well, there you have it my friend, another episode of Raising Private Money. I’m Jay Conner, The Private Money Authority, and I need your help. Think of someone that you know that would really benefit from listening to this show and be sure and share it. Also, if you happen to be listening on iTunes in the upper right-hand corner, those three little dots, be sure and click on that and follow, follow me so you don’t miss any upcoming episodes. And if you happen to be watching and listening on YouTube, be sure and hit that bell and subscribe so you don’t miss out. So be sure and join us again right here on the next Raising Private Money.