Episode Transcript
Speaker 0 00:00:02 Hey guys. It's Penoza here with the More To Life Real Estate Investing podcast, where we help you get more to life through the power of real estate investing. I wanted to take a quick minute here this morning and deliver this solo, um, factual interview with myself, um, about how grateful I am, the support, uh, and feedback and positive reinforcement and support through all of our listeners since we started this podcast has been incredible. Um, we just surpassed a year in recording our episodes. We're on episode number 41, so we've delivered 41 episodes in that first year. And you know what? Amazing, amazing statistics I want to share with you, and again, super grateful for this. We're just at 11,135 lessons in our first year of recording. So, like almost, uh, like crazy numbers that I never thought, you know, that I would see a year ago when we started this podcast.
Speaker 0 00:01:13 I hadn't, I really didn't know what to expect other than I wanted deliver some great content. Um, obviously all the knowledge I have 11 years being in the business, plus bringing on some amazing speakers that, you know, we've done. And it's indicative of the feedback I'm getting from listeners and whatnot on, on how they're enjoying, uh, the information, the episodes as they roll out, uh, week after week after week. So, you know what another p uh, piece of information we're just in the last 90 days, we're at almost 5,000 listens, which is incredible. And again, guys, I'm super, super grateful, um, for all the support and positive feedback that we're getting. So I'm gonna continue pushing and I want to continue putting out some great content. I mean, some of the, some of the guests we've had have been incredible sharing their knowledge in the industry, right from the dos and don'ts to some great tips to their experience, the mindset component of all this.
Speaker 0 00:02:18 And, you know, failing forward and, uh, just sharing everything they've been able to accomplish, some great successes they've had that obviously you can put in your toolbox and, and do the same, or, uh, just help you in general. So that's the goal here is just deliver that great content that we've had and continue to help you. On that note, um, again, thank you so much. It's been a great first year. Accomplishments have been superb, and I'm over the moon grateful for, for all your support. Continue to leave our comments and rate us on iTunes and everything. It helps modern podcasts like us. It, it obviously goes a long way and we'll continue to put out some great content, Great, great guests. Uh, and we look forward to trickling what we've done this first year in our second year. On that note, let's get into this next episode. Cheers.
Speaker 0 00:03:13 Hey everyone, it's Adrian PSO here with the More to Life Real Estate Investing podcast, where we help you get more to life through the power and knowledge of real estate investing. Super excited, episode number 42 today. Um, and our guest is Cam Roland. Cam is a business owner and a real estate investor from Winnipeg. He started investing in real estate in 2006 after reading Rich Dad Poor Dad. And you know how many investors I know have read that book, <laugh>, I think everybody's read that book, but nevertheless, uh, replaced his salary income from his real estate holdings and quit his day job back in 2010. So, another successful story of someone, um, using this real estate investing strategy to, um, advance them and leave their nine to five. Um, Cam is well versed and several real estate strategies and focused mainly on lease options strategy for the past 12 years. In five years, Cam grew his portfolio to over 40 doors with only a hundred dollars per door. Is that accurate? That's
Speaker 1 00:04:30 Right. Yeah.
Speaker 0 00:04:31 A hundred dollars per door. You can't even go out for dinner anymore in the GTA for a hundred dollars, like me and my wife go out and, you know, two dinners, a bottle of wine and an appetizer. You're 200 bucks. Oh, yeah.
Speaker 1 00:04:44 So
Speaker 0 00:04:44 Yeah, this guy's buying with only a hundred dollars per door and didn't have to qualify for any of these mortgages by partnering with investors for unlimited potential when acquiring doors increased cash flow and outstanding returns. Cam, welcome to the More to Life Real Estate Investing podcast. Thank you for joining us, pal.
Speaker 1 00:05:08 Thank you, Ed. You great to be here.
Speaker 0 00:05:10 Yeah, and I think, uh, you know, your story resonates somewhat with mine, uh, obviously, um, my whole police career, your other career, but ultimately being able to segue and building a a, a definitely a sable portfolio with a hundred dollars a door, I'm really interested in hearing that as we get into the show. Mm-hmm. <affirmative>, uh, cause I've never been able to do that and don't know many people that have. But why don't we get into it. Tell us more about your journey, how it's started, the earlier years working for nonprofit. Uh, just, but take us back to 2006 and, and how this all unfolded for you.
Speaker 1 00:05:49 Yeah, thank you. Uh, yeah, 2006 I read Rich Dad, Poor Dad that year. My brother had given me the book, I don't know, maybe a little bit, couple years earlier. And, but I finally picked it up and it just really resonated with me on so many levels. Uh, my father-in-law had invested in real estate, but he had passed on and I, I was always entrepreneurial, uh, to some degree, you know, even as a kid, you know, multiple paper routes, multiple bikes. I had my, you know, my BMX bike. I had my other bike with, you know, specifically for work, that sort of stuff. So I'd always been entrepreneurial, but kind of everything came together that year in that just, I just went for it. I read his book and it was basic, simple, made me think. And it just, I took action on it. And I took his basic principles of, of one of his early condos in Honolulu that was, uh, negative cash flow each month.
Speaker 1 00:06:53 And he just showed, you know, what profit, uh, versus expenses. And so I just applied that here and figured, well, what's it gonna cost me each month to hold this house and what do I think I can get for rents in this area? So I did my research and, and bought it and never, never looked back. And so, you know, I was working my, my day job then, and I loved what I did. I had worked for a church organization for about 17 years in total, but I just felt it was kind of time to move on. My, my, my entrepreneurial spirit was saying, Okay, let's, uh, let's, let's look for something, uh, different mm-hmm. <affirmative>. And so, yeah, I just started getting more properties, got some education, you know, paid some, paid some money for education. And, um, yeah, kind of around 2009 I knew I was mentally done with, uh, with the organization that I worked with.
Speaker 1 00:07:48 And so I started looking for other stuff and that's when I remembered, uh, someone in one of my courses talking about lease options or some people know them as rent owns, but lease options that, uh, you know, it's a great way to help people. Uh, it's a, uh, a way to generate great cash flow, uh, better than, better than a standard by rent and hold, you know, for the short term. And also you can view them essentially with no money down and not, That's really what struck me because, you know, leading up to 2009, I, I hit a wall with the banks. I, I can't remember if it wasn't enough of a down payment or if they just said, Look, you've got, you know, four or five mortgages, uh, we're gonna wait a bit before we lent you again, one of those two. So those all kind of came together and that was a catalyst in 2009. And, uh, so then I learned how to do lease options. I hired a coach, put together my first one, and I quit my day job after I did my first one. Rightly or wrongly, I don't necessarily recommend people do that, but I, I hit some benchmarks that, that, uh, were convincing enough, uh, that my wife also agreed for me to quit my day job. And we had, we had three young kids at home. Right. So, Wow. That's, that's kind of how it started.
Speaker 0 00:09:11 Wow. Yeah. So some takeaways just from that, uh, what, what you're saying there, um, you took action mm-hmm. <affirmative>, right? Which a lot of people will stay on the fence forever. Yeah. Um, you took action. I like the fact that you hired a coach. Yeah. A lot of people can't bring it upon themselves to spend that kind of money, but yet it's money so well spent. And I'm, I'm a firm believer of it. Um, and you quit your day job with three young children at home after your first lease to own mm-hmm. <affirmative>, which was obviously very, very aggressive. Mm-hmm. <affirmative>. Um, so yeah, you're, uh, you're the icon of take action and don't look back and fell forward, sort of speak. So I can end you for that.
Speaker 1 00:09:57 Thank you.
Speaker 0 00:09:58 Um, tell us more, I guess, about when you started focusing on helping other families, educating, uh, them, obviously you've helped, uh, over 40 families now take the steps towards home ownership through your, the least to own kind of strategy. Um, how did I guess, all that kind of come into play in your mindset on that and helping these families and whatnot? Mm-hmm.
Speaker 1 00:10:24 <affirmative>, I think I've always been of the service mindset working with people, cuz that's really what I did, uh, you know, for more than 17 years in terms of, you know, helping people, uh, think and, and spiritual matters and things like that. And so it was kind of a natural progression. It was, it was really, it, it wasn't that different from what I was doing before, because what I was doing before was entrepreneurial creating programs, uh, opportunities, bringing people together to accomplish stuff with the goal of helping people. And so now doing this, you know, finding properties, putting deals together with investors, helping, helping what I call tired and frustrated landlords, basically, you know, I think you know exactly what I mean by that. People getting into properties and is like, Oh, this isn't for me, and the house is run down. They're, they're underwater. So we get to help a lot of those people solve their real estate problems, and then we turn the property around and we help families get into home ownership. So it all just kinda kind of came together and, and it was really not that different from what I was doing before, just a different, uh, vehicle, which is real estate.
Speaker 0 00:11:43 Right. Segueing from the nonprofit into the whole real estate world.
Speaker 1 00:11:47 Yeah.
Speaker 0 00:11:48 Um, do you have any other ambitions right now or programs that you're looking to start maybe in the near future, or you're just gonna really continue to hone on and build this, um, rent to own program that you have
Speaker 1 00:12:02 Going on? Yeah. Well, that's an interesting question because, you know, I've been real, you know, I've been investing since 2006, full time since 2010, and I've done almost all the strategies, um, you know, multi-family acquisition building, multi-family land development, done hundreds of flips. I've done hundreds of lease option deals now. Um, but the thing is, you know, when you just said a minute ago about taking action, getting off the fence, um, another thing that a lot of entrepreneurs struggle with is a shiny object syndrome, me included. So it was 2015 that, you know, I had already, like 2015, I had accomplished, you know, those first 40 doors, uh, using the lease option strategy. We had started to do some land development and we're doing apartment block build, uh, those two, you know, with a couple of different partners. And I had a couple other things, you know, I had some flips going on and, and stuff, but then I woke up one morning and just kind of just hit me like a ton of bricks.
Speaker 1 00:13:15 Uh, I've got a lot of stuff going on. It's pretty sexy to say I'm doing all this stuff, but I'm getting nowhere and stuff is falling behind. And, and so, you know, that was a wake up call for me in terms of, of focus. And so, uh, two of those bigger projects that I had with other partners went sideways, which was a horrible experience on one sense in the middle of it. Now I'm super grateful for it because I've learned a ton and I'm still still doing, doing this. Um, but it, it really got me to focus in. So I basically focus 70% of my time on, on lease options and that, so that includes running, uh, a rent own company, helping families get in home ownership as well as a separate company where I teach other investors how to successfully do these deals. That's, that's where 70, 70% of my time is.
Speaker 1 00:14:17 It's, I'm always thinking about it, you know, the other stuff is managing some other stuff. I've got, um, I'm a, I'm a new grandparent. It's incredible. Um, you know, much like yourself, you know, quitting your day job, you, you have your own schedule. And so that's really where I spend most of my time. So, yeah, it's, for me, my focus is lease options because it branches out into so many different things, right? When you look at any property, the more exit strategies you have on a single property, the more chances that you're gonna have really great success. Right? When I started and by rent and hold was my only, uh, way to think, Well, I, I, you know, I pass up so many deals now it's like, you know, a deal will come to me that other people have picked over, but they don't have multiple exit strategies.
Speaker 1 00:15:13 And so I'll look at it and go, Okay, well what are all the ways I can do this? Can I wholesale it? Can I do a lease option flip? Can I get the owner to hold the financing while I do the flip? Can I get the older, the owner to hold the financing and turn it into a rental? There's, there's so many strategies. And so, uh, lease options is my focal point because there's so many things that can branch off from it. And, uh, you know, it doesn't have to be a single family property. It can be, you know, it can be land, it can be, you know, apartment block, all that stuff. Mm-hmm.
Speaker 0 00:15:45 <affirmative> amazing. Yeah. I, I, I couldn't agree more. I'm obviously in the multi-family space mm-hmm. <affirmative>, and yes, I agree with you having a very narrow minded mindset. And I've, I've, I've gone down that road. I've lost a lot of deals where, you know, I'm so focused looking at them one way. Yeah. Um, and not the big picture how d having multiple exit strateg strategies obviously can bring many more opportunities to the table, to say the least, um, with the rent to own, obviously for, for our listeners who don't know, you're based at a Winnipeg, correct? Yeah. And with the rent to own, what's your average price point out there with respect to what you're doing?
Speaker 1 00:16:31 Yeah. Here in Winnipeg, you know, average price point's about 3 75 now. And I know that's like, uh, that's a down payment for you guys in the gta. Uh, but you know, it can be done in any, any market. It, it really is, comes down to the numbers. I mean, you know, so there, there will be some people who are listening to this and they'll, they'll be in a market where it's like, well under 200,000. And they'll go, Oh man, 3 75, I can't get my head around that. And then your other listeners will be chuckling right now going like, Are you kidding me? It's, we can't, we can't look at anything under a million bucks. And it's, it's a number and whether it's a, you know, a number, like it doesn't really matter. The numbers have to work mm-hmm. <affirmative> absolutely. But, but people get stuck on, ah, I won't do anything over 200,000.
Speaker 1 00:17:26 It's, it's just relative to your market. So yeah, if you're, if you're in a market where, uh, a million is a median, you know, uh, look around and find how many renters are renting million dollar homes. There's lots. And what are they paying five grand, four grand, six grand, depends mm-hmm. <affirmative>. So as long as you've got got renters who can afford rent payments of, of what it costs to run that house, you can do one of these lease option rent own deals. And it's, it's really, you know, my target for my tenant buyers in a rent own house is basically, you know, can you afford, uh, like, like you can afford mortgage payments if you're paying, you know, over two grand a month in rent, even 1500, Right? And so you get lots of people who, you know, in your neck of the woods who maybe it's two incomes, but they're, they're, they're covering 5,500 bucks a month, but they're renting and they're having a tough time getting ahead. Well, that's a great candidate for a rent own client,
Speaker 0 00:18:37 Right? Right. We talked about it when we started this show. I just want to touch, maybe this is a great time to touch on it. So how do you buy all these properties with none of your own money? And or there was a comment when we started out, we talked about, uh, 40 doors with only a hundred dollars per door. Mm-hmm. <affirmative>, can you touch on that?
Speaker 1 00:18:58 Yeah. So basically what that is, it's a, it's a series of contracts that I use in a, in a lease option arrangement. And so I work with two types of investors. The first one is a tire and frustrated landlord, someone who already owns the property, they're untitled, they got the mortgage, but they're having troubles with it. The other type of investor is very similar to, you know, like a, like a joint venture partnership. I don't, I don't do it as a joint venture. I do it through, uh, a series of different contracts that, that are quite simple once you understand them. And basically what it is. So let's just say that I'm, I'm trying to get a joint venture with, with someone who wants to invest and buy a property. So basically what I do is I present to them a perform on a deal that, that I think is, is good. It's a win-win
Speaker 0 00:19:53 Win. Let's use, let's use me, let's use me for, for, for argument sake. Okay. I'm your next investor. Okay. I tell you, Cam, I'm looking, uh, I got some money to dump into a property. Yeah. Um, what's next?
Speaker 1 00:20:06 Perfect. So I would find kinda what your, you know, how much you've got for a down payment. And
Speaker 0 00:20:13 Let's say I tell you I got a hundred thousand,
Speaker 1 00:20:15 Okay? I mean that's, you could, you could do almost two here in Winnipeg with that. And, and to qualify for a mortgage. So let's just focus on one. You got a hundred, you won't need to use all that. You'll use about 70. And so I put together a performer, you know, after I've looked at and my team has looked at, you know, tons of opportunities, you know, you boil it down to a handful and here's one or two, I'll send you a performer. It gives you all the details, all the numbers, basically all the information you need to know to make a financial decision. Obviously you want to talk with me and let's talk about the deal, that sort of stuff. So then I get you to, uh, purchase the property. So you put down, you know, approximately 22% qualify for the mortgage. And then, uh, you and I have have three contracts.
Speaker 1 00:21:06 The first one is a lease, and I'm gonna lease it from you for $1,800 a month. And, uh, where my company is. And on that lease, it allows me to sublet it, right? The second contract is an option. And this is the very powerful contract. And that is, I've got the option to purchase it back off of you in three years at a predetermined price. Okay? So let's just say you bought it for 300. I'm gonna buy it off of you for, you know, three 20 as an example. And so that allows me to secure it. So with that, I give you a check for a hundred dollars, you deposit that check, cuz if I give you cash, I can do that, but it's not traceable, right? So I give you a check for a hundred dollars and the third contract is, is an offer to purchase dated three years out saying I'm gonna purchase a property.
Speaker 1 00:22:04 So it's an extension of the option, not all lease option. Uh, people do that. That's typically how I do it. Very similar to an agreement for sale. Um, but so I'm buying it now off of you for, uh, you know, the three 20, it's got all particulars and you cash and that same check acts as the deposit for me to purchase it off of you in three years. So at first glance, you know, you're probably chuckling going a hundred bucks for a down payment on the host. It's like, okay. So once we start to unpack the deal, you start to see why, why I do that. So that's your, in my relationship. Now, what happens now is I start paying you rent of $1,800 every month, and at the same time, I've a most likely, I've already found a qualified tenant buyer. So what this is, is this is called a sandwich lease option.
Speaker 1 00:22:59 And so the sandwich is your one slice of bread, and my tenant buyer is the other slice of bread, and I'm the goodness in the middle, right? That makes up this sandwich. And so I've got similar contracts with the tenants, but the tenants will put down five, 10 or $20,000 with me. And, uh, they'll, they'll sign a lease for three years. They'll sign an option for three years with, with a future price. And that future, excuse me, that future price, now they're buying it is probably in the neighborhood of, uh, you know, three 50. Just an example. And so my investors who purchase these properties are, they, they love it because it's, it's hands free, it's turnkey. Uh, their, their money is in the property, right? Uh, they own title. So they, they've, they're, they're fully secure. I now come in as the managing partner and I run the whole deal.
Speaker 1 00:23:58 And so to boil it down, basically what happens is, um, it ends up being about a 50 50 split on the profit that the investor makes and that I make. And I, I run the deal. And so that's how I control properties because I, it's legally binding paperwork. I can register it on title if I want, and it just makes, it just makes it a secure deal for the investor. So on, on that sort of deal, that investor would make about 15% per roughly making, um, probably about, uh, oh yeah. I'm not good at doing math while I'm being interviewed. Uh, but they make, uh, I'm just trying to think of a recent deal,
Speaker 0 00:24:47 Give or take. I mean, yeah.
Speaker 1 00:24:49 You know, give or take, they're gonna make about, um, 40 to 45 grand on their 70 over three years, and then they get their 70 back. So it works up to be about 15% each year.
Speaker 0 00:25:03 15 one, Yeah.
Speaker 1 00:25:05 Each year. Right.
Speaker 0 00:25:07 And um, so the profit is 50 50. Yeah. And now when you sublet, so you're gonna pay me 1800 bucks a month. Mm-hmm. <affirmative>. And when you sublet, are you subletting obviously for more? So you are getting some monthly income as well?
Speaker 1 00:25:25 Yes. Is that fair? Yeah, but I'm, I'm, I'm splitting it up between two payments. I'm doing a lease and the 10 tenants also doing a monthly option, cash flow or, or payment, I should say, monthly option payment. And so yes, that option payment each month becomes my monthly cash flow.
Speaker 0 00:25:42 Gotcha.
Speaker 1 00:25:43 And <laugh> and the tenants are responsible for repairs,
Speaker 0 00:25:48 Right?
Speaker 1 00:25:49 So you got no
Speaker 0 00:25:50 Utilities, They cut the grass, They do it all,
Speaker 1 00:25:52 They, the hot water tank, you know, sometimes we'll do, uh, kind of a minimum where they gotta pay the first 500 to first thousand. But, uh, you know, just dealt with the tenant here recently and, and hot water tank went and, uh, they called to let me know that they, they called the company and the, you know, the price is gonna be what, $700 to fix it or whatever. And I said, Well, make sure you call my preferred service provider that I, that I gave you in the manual that I gave you. And, and, uh, they called them and, and uh, they got it done for 500 bucks. But I had a series of texts and I didn't have to set foot on site. So really my, each of my tenants are my onsite property managers that pay me each month to look after the property to help them get into home ownership.
Speaker 0 00:26:45 So win-win. Yeah. So win-win everybody, uh, the investors making money. You're making money. And ultimately they're our property manager. You are assuming I'm the client. Yeah, they're mine And your property manager. But obviously they were communicating with you. Cause I'm totally passive. Yep. I don't do a thing other than supply the initial 70 that we discussed. And I'm on title and qualifying for the loan.
Speaker 1 00:27:17 That's right. Yeah. So
Speaker 0 00:27:21 As passive, as passive guess,
Speaker 1 00:27:23 My, my first deal I did in 2010 was just like that. And I had some friends who, uh, kind of out of the blue asked me if they could invest with me. And I was like, on the inside I was like, I have no clue how to do this on the outside. I was like, Sure, let's figure it out. And so we did. So we did just a deal just like that. And, um, they loved it. And a month later I sat down, reran all the numbers and go, This is killer. Why, why couldn't I duplicate this again? And that's essentially what I did. I did, I did four more that next year, which did replace my income for my first year. Uh, you know, deposits of 20 grand upfront, uh, 10 grand, 13 upfront, another 20, and then monthly cash flow from each of those properties. And then I, you know, I did total of 40 of those in in that five years.
Speaker 0 00:28:21 Wow. Amazing. Good for you man. Good for you. Let's talk a little bit about, um, let's talk a little bit about, um, what is this creative investor platform and take us to how all that started with you. Creative investor platform.
Speaker 1 00:28:39 Yeah, so creative investors, my really the, uh, coaching arm of what I do, uh, revolving around lease options and really anything creative, right? Creative financing, uh, structuring no money down deals, you know, using the a hundred dollars strategy, that sort of stuff. And so, you know, I was constantly getting asked, how do you put together these deals? And it's not a five minute conversation, right? It's, it, it gets complex. The more, the more you get into it, the more complex it can get,
Speaker 0 00:29:15 Right?
Speaker 1 00:29:16 And so I wanted to pre, you know, create a platform that took the complexity out, but, but taught other investors how to do this strategy successfully. Cause there's so many people who try to put together, you know, rent own deals and they have no clue what they're doing. And it fails and, uh, it gives rent to own a really bad name. Cuz there's lots of people who will, who will gladly set up a rent own deal on a property that they've got, take the client's 10 or 20,000, but they don't do any background checks. They don't do any, uh, you know, will these people actually ever qualify? They don't do any qualifying. And so that person's gonna flame out and the investor thinks that, you know, they were smart cuz they got 20 grand and now they start over again, but that doesn't last very long. They, they'll get that, that'll catch up with them. And so I wanted to create a, uh, basically a, uh, a great community that teaches investors how to think more creatively about, about doing deals so they can do more deals more often, uh, and with, with other people's money.
Speaker 0 00:30:30 So you, you provide coaching in that regard? Yeah. Education coaching I do to these investors who wanna learn. Yeah. And, uh, wow. So you're, you got your hands in the rent home, some coaching, some that's amazing, man. You're obviously busy. And, um, um, do you have a lot of, um, I guess this is a silly question, but do you have a lot of clients that reach out, you know, looking for the coaching component and kind of helping them structure these deals and whatnot? Given you've been at it so many years, I'd imagine you
Speaker 1 00:31:06 Do. Yeah, I do. And, you know, lots of people looking for, for free advice and I get that. Um, uh, but I mean, really what I love doing is helping people get from, from A to B, right? It's like, let's get clear on your goals. Let's, let's make sure they're realistic and then let's get you there as quickly as possible. Because that's what happened to me, right? I, I reached out to a guy and I said, I said, John, you gotta coach me on, on this. And so with, with his help, uh, I, I put together one of these deals in six weeks and I was just so focused. It was like, I, I have to do one of these and yeah. Laser focused mm-hmm. <affirmative>. And so that's how I created the, you know, the coaching platform is really, it's, you know, it's, it's on demand.
Speaker 1 00:31:57 It's, you can kind of tap into it 24 7. Uh, it's got all the contact, all the, all the content, all the contracts, you know, all the, all the marketing materials, you know, I mean, cuz there's so many questions. How do you even find these clients? Well, it's actually not that difficult. Here you go, right? And use these ads, tweak 'em, all that sort of stuff. Spreadsheets, and, and so it's, yeah, just helping people who want to get success in, in this strategy. And honestly, the quicker you can get success, the better on multiple levels including just, uh, uh, you know, people's own, uh, self confidence. And cuz I see lots of people starting out and they, and they take a very long time and they're not very focused and then they're, they're um, their self confidence just kind of fades because they know they got stuff to do. There's a list on their desk, but they're not doing it. And that just sucks the life out of anybody. And so when you take action, not only do you, uh, get stuff done, but your confidence grows and you feel great about life and yourself and then that just spirals forward. You just keep on going.
Speaker 0 00:33:13 Yeah. And I can't, I second that so much. Um, you know, when I started working with a coach three years ago, three, three and a half years ago, my biggest regret was I didn't start sooner mm-hmm. <affirmative>, um, it's worth the money. Mm-hmm. <affirmative>, you know, uh, the time, the mistakes, uh, just the whole kind of guidance in the right direction. Um, for me it doubled my business. Um, having that accountability, um, with a business coach, um, keeping me accountable and just making you see a think outside the box. And in this case, obviously your expertise in the rent to own, if somebody's interested in getting into that, you know what, you can't put money on the time and the mistakes that could save you by doing that. So I'm a huge advocate of that. Um, yeah. I I, I can't stress that enough to our listeners pay for pay for that advice, pay for that, that, that learning mm-hmm. <affirmative>, it's, it's so, so worth it. So worth it. Yeah. I can't, I can't stress that enough. So. Yeah.
Speaker 1 00:34:23 Yeah. I've got, I still have coaches today. I, yeah. You know, I, I keep going cuz there's always more to learn and, and more action to take.
Speaker 0 00:34:33 Yeah. Yeah. And for me, I like the accountability part about it too. You know, like some people think it sounds silly that someone outside of my organization is holding me accountable, but it makes a difference because, you know, every week when you're, when you're connecting with your coach Yeah. You have certain goals you gotta hit and you know, so on and so forth. And you know, you're gonna be called to the carpet if you've been fooling around all week. Yeah. And it's, it's almost like, um, it's just accountability and I, I, I can't stress enough. It's amazing. I, I highly, highly recommend it. Yeah. Um, so as we get to the end of the show here, um, we're just about, well we're over 30 minutes now, but nevertheless, um, lots of great, obviously knowledge you have in your toolbox, given the fact you've been at the rent to owns for a number of years.
Speaker 0 00:35:24 So for everybody out there who is dabbling in, in that space or maybe wanting to start a Rent to own program like Ken has highly recommend reach out to this guy. Um, you know, I wouldn't say pick his brain, I would say hire this guy as a coach, cuz he obviously has the credentials to support, uh, what you're paying for given how successful he's been with this, um, investing strategy. So my last, my last question cam, uh, as we get to our final, uh, round here, you're very successful now in this space and I ask this to every guest, um, you're very successful now in this space and we see that relative to how the world views success. Mm-hmm. <affirmative>, do you think there's still more to life for you? And when you picture more to life, what do you see?
Speaker 1 00:36:22 Well, you know, family and, and friends and, and, you know, experiences, right? Uh, my wife and I were talking about this. We, you know, we are providing a life for our kids, you know, even as adult kids and, and stuff, you know, we're creating experiences for them and whether that's, you know, traveling somewhere or just the ability to have time with them, uh, yeah, there's more to life. Uh, and, but this is an awesome tool because you can do it from almost anywhere and you can do it in almost any country. Uh, and so, you know, it's, it's getting clear on your goals and, and recognizing what is what is more to life. And, and for me it really just boils down to, you know, my family, uh, you know, experiences meeting great new people like yourself and, and other people and everyone's got a story, you know? And to be able to have the time to, uh, listen to people's stories and help them unpack stuff cuz people got lots of questions and they're still trying to figure out stuff to help people, uh, you know, find their motor life is super rewarding.
Speaker 0 00:37:38 A hundred percent. You know, and I, one thing we have in common, and everybody I've interviewed in this past year since we've aired our show, um, every successful investor, entrepreneur, uh, so on, so forth from every walk of life, it all started with the one thing we said when we started today's show. When we, one of the first questions I I ask you and it's taking action mm-hmm.
Speaker 1 00:38:05 <affirmative>,
Speaker 0 00:38:06 And guys, I can't stress enough everybody listening, uh, on your driving to work or you drive home today as you're listening to this, um, if you're one of those people, I can't stress enough, how many different people do you have to hear it from that have been successful? Um, the world's not perfect real estate. Investing's not perfect. Mm-hmm. <affirmative>, but you can't win unless you start taking action, right?
Speaker 1 00:38:31 That's right. Yep. Absolutely.
Speaker 0 00:38:34 So on that note, Cam, how do people get a hold of you should they want to, uh, get into business with you, hire you as a coach, um, so on and so forth. How do they contact you?
Speaker 1 00:38:46 Yeah, so, uh, you know, I'm on Facebook and Instagram camera and as it's spelt, uh, you know, here on your podcast, uh, creative investor.ca is my website and I've got lots of videos on YouTube back slash creative investor, you as in you for university.
Speaker 0 00:39:06 Gotcha.
Speaker 1 00:39:07 Lots of content there.
Speaker 0 00:39:09 Yeah. So obviously guys easy to find Cam and, and message him or DM him on social media, so on and so forth. Uh, Cam is c a m and Roland, for everybody listening is R o w l a n D. Reach out to him and, uh, I'm sure you can get some golden nuggets from him and who knows, maybe get into business together. Thanks so much, Cam, for being here today. It's been great. Um, appreciate it. I wish you and your family continued success and enjoy the last few days of, uh, I guess of summer as, as we wind it down.
Speaker 1 00:39:45 Yeah. Hey, thanks so much for having me, Adrian. It was fantastic. All the best to you and your listeners.
