Latest / The Steve Harvey Morning Show / O’Neil Parker Full Interview

Transcript

O’Neil Parker Full Interview · The Steve Harvey Morning Show

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  Speaker 1: Isn't it is important to understand that everybody travels a
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  Speaker 1: My Money Making Conversation interviews will encourage you to leave
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  Speaker 1: with your gifts and never use age as an excuse
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  Speaker 1: when you're planning your goals. My next guest is a
• 1:40
  Speaker 1: real estate and investor in entrepreneur. He started investing in
• 1:43
  Speaker 1: real estate when he started watching a YouTube videos, just
• 1:47
  Speaker 1: YouTube videos, you know, self health videos. You can just
• 1:49
  Speaker 1: turn on the people start talking about how you can
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  Speaker 1: make money. And now he owns over two million dollars
• 1:53
  Speaker 1: in property. So obviously he learned something from those YouTube videos.
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  Speaker 1: So that's that's part of our story that we're gonna
• 1:59
  Speaker 1: talk about to He wants to share his story and
• 2:01
  Speaker 1: he's written a book, an e book called interest Free
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  Speaker 1: Money Guy. The book was written to educate you on
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  Speaker 1: business credit. This This book was created to provide a
• 2:10
  Speaker 1: step by step guide on how to effectively utilize business credit.
• 2:14
  Speaker 1: His book will teach you how to access interest free
• 2:16
  Speaker 1: credit on Twitter. Fifteen business card to cards, I got
• 2:20
  Speaker 1: a bunch of so hey, I don't have twar the fifteen,
• 2:22
  Speaker 1: but I got a lot of credit card And we
• 2:23
  Speaker 1: will also discuss how he got started in the real
• 2:25
  Speaker 1: estate at such a young age. Please walking to money
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  Speaker 1: Making Conversation straight out Louisiana by way. I'm laughing, yette,
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  Speaker 1: Mr O'Neill Parker. Are you doing man? How are you
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  Speaker 1: doing pretty good? Well? You know you're that real estate
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  Speaker 1: game and uh, you know they said when the pandemic hit,
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  Speaker 1: did it? You know? What type of real estate are
• 2:44
  Speaker 1: in the commercial real estate? Are you at homes? What
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  Speaker 1: type of real estate are you in? Residential houses? Okay,
• 2:50
  Speaker 1: okay with brother, Now, how was that when you were
• 2:53
  Speaker 1: well you were able to show your homes? Or how
• 2:56
  Speaker 1: do people didn't stop completely? Or where are you at
• 2:58
  Speaker 1: right now with residents? You're on themselves. Honestly, everything went
• 3:03
  Speaker 1: pretty well, so we didn't really get affected by the
• 3:07
  Speaker 1: coronavirus that bed, so all the tenants kept playing. So
• 3:10
  Speaker 1: the thing what I do is are big on rent.
• 3:12
  Speaker 1: To own and section eight. So you know, sex, it
• 3:15
  Speaker 1: has never entertainment since it's been opened, and the thing
• 3:18
  Speaker 1: would rent to owners. Um, the tenants that living those properties,
• 3:22
  Speaker 1: they put a big down payment and they're committed to
• 3:25
  Speaker 1: buying that hus. So basically I become the bank on
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  Speaker 1: that property. And I'm not really just a landlord. That's
• 3:30
  Speaker 1: like you know, you when you buy your house, you
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  Speaker 1: don't call Wells Fargo when the toilet goes out, so
• 3:35
  Speaker 1: you just yeah, that's just the bank for you. Okay, cool.
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  Speaker 1: So basically, what with that being said, what exactly is
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  Speaker 1: your business model that you put in that you have
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  Speaker 1: in the real est game game? Because I heard you
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  Speaker 1: say section eight and then forever we get started, I've
• 3:49
  Speaker 1: heard that term a lot in my life. Sex and eight.
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  Speaker 1: What exactly is a section eight person? Okay, So I'm
• 3:55
  Speaker 1: gonna start with the section eight question. Um, sex is
• 3:58
  Speaker 1: basically regularly evil um with low income. They use the
• 4:02
  Speaker 1: government to help him out because they're not making enough money.
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  Speaker 1: So the government pitches in and pays a portion of
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  Speaker 1: the rent or the whole rent. That's all sex made.
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  Speaker 1: It is just a federal program help low income people.
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  Speaker 1: And when you said low income people, What are we
• 4:17
  Speaker 1: talking like under twenty thousand dollars on the fifty annually
• 4:20
  Speaker 1: or fifteen thousand dollars and you only thirty what is
• 4:23
  Speaker 1: that the worst they considered a low income number. First,
• 4:27
  Speaker 1: every market is different. So you know, Louisiana pretty poor.
• 4:30
  Speaker 1: So if you make um like under twenty thousand, you
• 4:34
  Speaker 1: can apply for session. But it really just depends you
• 4:37
  Speaker 1: can make twenty five thousand. Just the people that make
• 4:39
  Speaker 1: twenty of course they're gonna pay more than rent compared
• 4:42
  Speaker 1: to the people that makes twenty five tho years. So
• 4:44
  Speaker 1: sex pays lazers say you're into eight hundreds, that poblic
• 4:47
  Speaker 1: day seven fifty and the tenant pay fifty. But depending
• 4:50
  Speaker 1: on what your job is and how much money you make,
• 4:52
  Speaker 1: it just depends on how much they're gonna pay. Okay, cool,
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  Speaker 1: and now I reached I bring that up and inquiring
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  Speaker 1: because when you when you talk about you watch television,
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  Speaker 1: you talk about it, you you you're doing business with
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  Speaker 1: people and they consider to be uh uh slow payers
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  Speaker 1: or no payers, uh a dead beat, people who are
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  Speaker 1: just sponges off of the government. That's the negative that
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  Speaker 1: you get when people use the word welfare or section
• 5:18
  Speaker 1: eight people, So explain why did you decide to have
• 5:22
  Speaker 1: that part of your business model. People on the on
• 5:26
  Speaker 1: the indie section eight platform. Uh, you know what they
• 5:30
  Speaker 1: say about those people is really just um it's here thing.
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  Speaker 1: So you know, you can't get advice from people that's
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  Speaker 1: not really in the business. So the people that are
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  Speaker 1: really in the business, they enjoy sections to what the
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  Speaker 1: section vouchers. The thing about section it is the people
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  Speaker 1: that has all those headaches, that all those people in
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  Speaker 1: the landlords that accept the first person. So it's the
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  Speaker 1: same as if you're written into a regular family. You
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  Speaker 1: don't just take the first person. You have to do
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  Speaker 1: all your due diligence. So it's the same with SECNIC.
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  Speaker 1: You with your application out there, you put your problem
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  Speaker 1: out there for rent, and then a lot of people
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  Speaker 1: start calling your texting your Hey I'm interested in this property.
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  Speaker 1: Of course you're not gonna accept the first person. So
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  Speaker 1: you gotta do your proper due diligence to do your
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  Speaker 1: background check, you know, check the job, check their credit, um,
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  Speaker 1: call their former landlord and things like that. So if
• 6:18
  Speaker 1: you follow the steps, you can usually get yourself a
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  Speaker 1: good tent. Now you get you know, you get the
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  Speaker 1: person that said they got it. That's typically a bad
• 6:25
  Speaker 1: tenant because you're not doing nothing of your research on
• 6:27
  Speaker 1: that person. I understand what you're saying here. You're saying
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  Speaker 1: rashand look, they're bad apples in a batch. Okay, don't
• 6:35
  Speaker 1: do your like like you know, like you're trying to
• 6:37
  Speaker 1: hire good employee. You're any person, you call their references,
• 6:42
  Speaker 1: you go on their social media that he got some
• 6:44
  Speaker 1: crazy pictures on social media. That might not be the
• 6:47
  Speaker 1: person you want to hire. So the same thing here,
• 6:50
  Speaker 1: So the same thing here. You have to do the
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  Speaker 1: same thing with these individuals. It's not about a stigma
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  Speaker 1: than being in section age. It's some people out there
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  Speaker 1: who are trying to live a better life, try to
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  Speaker 1: step up, trying to get into a better environment for
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  Speaker 1: their kids, for their families, and your your situation and
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  Speaker 1: enables that. And it's worked out pretty well for you.
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  Speaker 1: And you're based in Lafayette, Louisiana. Correct, Yes, sir, that's
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  Speaker 1: my market. That's your market. Now are you looking to
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  Speaker 1: expand out of that market? You're just gonna dominate, laugh,
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  Speaker 1: gonna be the king of Lafayette, that's what you're trying
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  Speaker 1: to do. Yeah, I'm trying to take over a little bit.
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  Speaker 1: So it's currently my market to laft market. So if
• 7:32
  Speaker 1: anybody doesn't know where laugh he had left head is
• 7:34
  Speaker 1: right on I T N E S. And what he
• 7:35
  Speaker 1: just said is you go just go straight down I
• 7:39
  Speaker 1: Tennis heading from Houston, Texas. Okay, just going down there,
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  Speaker 1: you're gonna hit laughy at first, then you're gonna have
• 7:45
  Speaker 1: the capital that's baton rouge. Then you're gonna slide right
• 7:48
  Speaker 1: on end to New Orleans. So he's he's really going
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  Speaker 1: down there. I called him. I'm gonna call him the gumboat,
• 7:54
  Speaker 1: the gumbo real estate man, right because he's doing the gumbo. Bro.
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  Speaker 1: He controlling all the gumbo right there, Mr Parker and everything.
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  Speaker 1: I'm trying to man, we're good. Well, you know I was.
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  Speaker 1: I want to talk about you getting started this business
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  Speaker 1: because there's so many TV shows on, you know, Flip That,
• 8:10
  Speaker 1: Flip Dead by this, your people coming to town talking
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  Speaker 1: about you can get read if you listen to their model,
• 8:16
  Speaker 1: and how you can get into the real estate game.
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  Speaker 1: Now you yourself. When I was reading your bio, he said,
• 8:21
  Speaker 1: you started watching YouTube videos. That's how you got in
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  Speaker 1: the real estate game. Correct, yes, sir, yes, Sara, and
• 8:28
  Speaker 1: so um I started my business back in two thousands sixteen,
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  Speaker 1: is around November. I closed my first deal. So I
• 8:35
  Speaker 1: started my business. It was sixty three dollars. So you
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  Speaker 1: know all the YouTube videos that watches like you can
• 8:40
  Speaker 1: get into real estate with little money or no credits.
• 8:43
  Speaker 1: So you know, I want to figure it out and
• 8:44
  Speaker 1: see that's true. So um, I orted mid some blank signs,
• 8:48
  Speaker 1: so you know the political sign that you say like
• 8:51
  Speaker 1: both for this guy or whatever, those type of signs.
• 8:54
  Speaker 1: But I ordered some blink one and I wrote we
• 8:56
  Speaker 1: bought houses on them. So I put those signs out
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  Speaker 1: within three weeks of May, two thousand dollars and then
• 9:01
  Speaker 1: umdy hold on the park right, So I got a
• 9:05
  Speaker 1: couple of houses. And because I live in both cities
• 9:08
  Speaker 1: and different cities, you know, I always get these these
• 9:11
  Speaker 1: little cards people mailing me calling me tellut I buy
• 9:14
  Speaker 1: my house, we'll buy your house, We'll buy your house,
• 9:17
  Speaker 1: you know, and I have to ignore them because I'm
• 9:18
  Speaker 1: not selling my house. So you just said you had
• 9:21
  Speaker 1: some signs, like those little political signs that you see
• 9:24
  Speaker 1: people stick in the yard, and you put we buy houses,
• 9:27
  Speaker 1: and then you jumped to saying you made two thousand dollars.
• 9:30
  Speaker 1: Now there are some steps that you missed that we
• 9:32
  Speaker 1: have to say on Money Making Conversation dot com. So
• 9:35
  Speaker 1: you put the sign out, you put the sign out,
• 9:38
  Speaker 1: you you put on that neatly road, we buy holl
• 9:41
  Speaker 1: we buy homes, or we buy houses. What happened after that?
• 9:45
  Speaker 1: All right? So basically I did my market the strategy
• 9:49
  Speaker 1: that I've used to do that was called hotelling, which
• 9:52
  Speaker 1: hotelling is if you're advertising to the stressed sellers. So
• 9:56
  Speaker 1: people have gone through the vorce. Um, they have two
• 9:59
  Speaker 1: in their pairs. You can't fix long grass co violations. Uh,
• 10:04
  Speaker 1: this is a bunch of different things. So I'm marketing
• 10:06
  Speaker 1: into direct directly to the stress sellers. So I put
• 10:10
  Speaker 1: those signs out marketing. We bought houses, started getting phone calls. Um,
• 10:15
  Speaker 1: there was a father and the son. The house just
• 10:17
  Speaker 1: got flood So I was in the bad Movis market
• 10:19
  Speaker 1: at the time. We had a big flood in two
• 10:21
  Speaker 1: thousand sixteen. So the house was flooded. They had flood insurance,
• 10:26
  Speaker 1: so they got they checked there was just ready to
• 10:27
  Speaker 1: settle house. So I went to the house, offered them
• 10:31
  Speaker 1: seventy thousand. So the a r V at the house
• 10:34
  Speaker 1: was called after repair that you have to order repairs
• 10:36
  Speaker 1: done like a brand house was about two hundred and
• 10:39
  Speaker 1: thirty thousand. So I got under contract seven thousand, and
• 10:43
  Speaker 1: then I saw that pizza paper to another investors for
• 10:46
  Speaker 1: seventy two thousands? How many two thousands on that deal?
• 10:51
  Speaker 1: And now that's called hostel in real estate? Okay, okay?
• 10:55
  Speaker 1: And so that person gets the house, they pay seven
• 10:59
  Speaker 1: to two thousand four and they can sell it wherever
• 11:00
  Speaker 1: they want to selling that right right, So typically they
• 11:04
  Speaker 1: buy it for me for seven two to put all
• 11:07
  Speaker 1: the repairs into it. Let's just say they all in
• 11:09
  Speaker 1: that one fifty and they tell us a two tony
• 11:11
  Speaker 1: and they make a profit. Now you got all this
• 11:14
  Speaker 1: from a YouTube video? Yes see, not just want to
• 11:18
  Speaker 1: see you? Okay, Now, what motivated you to go to YouTube?
• 11:21
  Speaker 1: Because you hear all these commercials on TV, you know,
• 11:24
  Speaker 1: buy this or dialoade this, or go to a webinar.
• 11:27
  Speaker 1: Would you recommend people going to YouTube to learn about
• 11:30
  Speaker 1: how to get in the real estate business, I would say,
• 11:34
  Speaker 1: me and myself, I'm cheap, so that's the first step
• 11:37
  Speaker 1: for me. Let's see all the information I can find
• 11:39
  Speaker 1: free first and to see if I'm really interested in
• 11:42
  Speaker 1: because why I pay money if you don't even know
• 11:44
  Speaker 1: if you're interested in that type of thing. So that's
• 11:47
  Speaker 1: my that's my idea. And you know, and uh, YouTube
• 11:50
  Speaker 1: is like a big university, have pretty much everything anything
• 11:53
  Speaker 1: you need. You know, if you need a sixty cards
• 11:55
  Speaker 1: on there, you want to buy a house or learn
• 11:57
  Speaker 1: to trying to buy houses on there. So I always
• 11:59
  Speaker 1: say that's the first step google YouTube, figure out what
• 12:02
  Speaker 1: it is. You know, if you're really interested, then you know,
• 12:05
  Speaker 1: take the next step. Say somebody has been through its
• 12:08
  Speaker 1: know what to do, and then you go from there. Well,
• 12:11
  Speaker 1: it's an interesting thing about it. First of all, I
• 12:13
  Speaker 1: don't want to you can say because you cheap. That's
• 12:16
  Speaker 1: I say, you're smart because of the fact that technology.
• 12:19
  Speaker 1: And I always tell that to Abody because my predominant
• 12:21
  Speaker 1: artist is African Americans, and sometimes we don't take advantage
• 12:24
  Speaker 1: of what technology provides us, you know, right, and and
• 12:29
  Speaker 1: then you know, and the research is out there for
• 12:31
  Speaker 1: free as long as you have WiFi, as long as
• 12:34
  Speaker 1: you and you can do this on your phone. You've
• 12:35
  Speaker 1: got your cell phone. You're doing your cell phone, so
• 12:37
  Speaker 1: you can know. You don't have to go get a
• 12:38
  Speaker 1: laptop or go get a computer, or you know, go
• 12:40
  Speaker 1: to a tech store. You can do this on your
• 12:42
  Speaker 1: phone and educate yourself. And these were just YouTube and
• 12:45
  Speaker 1: you just went on YouTube. We just google you real
• 12:48
  Speaker 1: estate or what do you do on YouTube? That you
• 12:50
  Speaker 1: was able to get you to to the right videos.
• 12:54
  Speaker 1: So I'm gonna break down the store. So I was
• 12:57
  Speaker 1: twenty one, my first house. Nobody told you to do this.
• 13:02
  Speaker 1: You just decided to do this on your own. Yeah.
• 13:06
  Speaker 1: So the reason being I was living in left It
• 13:08
  Speaker 1: at the time, and my job was in Baton Rouge
• 13:10
  Speaker 1: and I'm not I don't like the drop, so I
• 13:11
  Speaker 1: wanted to live close to my job, so I went
• 13:14
  Speaker 1: um straight from my parents house to my own host.
• 13:17
  Speaker 1: I was just uh looking in the area looking for
• 13:19
  Speaker 1: the house to buy. Couldn't really find anything, and I've
• 13:22
  Speaker 1: seen the house that they just pulled a slab. So
• 13:24
  Speaker 1: I got with a developer. We got together and finished
• 13:27
  Speaker 1: the house and then that's how I did that. And
• 13:29
  Speaker 1: I purchased that house with f h a loan which
• 13:31
  Speaker 1: is three and a half percent down. And then a
• 13:35
  Speaker 1: year after that, I was just on YouTube again. Searching
• 13:38
  Speaker 1: how to make more money, and then uh, real estate
• 13:41
  Speaker 1: kept popping up, and then hotels popped up, and then
• 13:44
  Speaker 1: I took off from them. And that's how that happens.
• 13:49
  Speaker 1: You just took off from there, and now you have
• 13:51
  Speaker 1: over two million dollars and real estate problems. Yes, yes,
• 13:56
  Speaker 1: and you you you do you leave that so many
• 14:02
  Speaker 1: parts it because you talk your fast talker to I
• 14:04
  Speaker 1: can tell that to you. You you you talk quick now,
• 14:07
  Speaker 1: and so I'm gonna slowing you down because I'm a
• 14:08
  Speaker 1: Texas boy. I like for people to talk, especially when
• 14:11
  Speaker 1: you're talking about money. That's when you're talking about money,
• 14:13
  Speaker 1: what you can't do and say, well, you know, I'm
• 14:15
  Speaker 1: went from seventy to seventy two and now I got
• 14:17
  Speaker 1: two million dollars. Excuse me, excuse me, excuse me. You know,
• 14:21
  Speaker 1: you can't do me like that. You can't do that,
• 14:23
  Speaker 1: you can't do my listeners like that. Because there had
• 14:26
  Speaker 1: to be some some like some slow down moments. So
• 14:30
  Speaker 1: oh no, wow, that wasn't a good move there, Wow,
• 14:34
  Speaker 1: because you am I not. Everything has been a solid success. Nah,
• 14:40
  Speaker 1: you know, it's a lot more to it all. This
• 14:42
  Speaker 1: really starts from the beginning, which is what your mindset.
• 14:44
  Speaker 1: You know, if your mindset is not right, you can't
• 14:46
  Speaker 1: do none of this stuff I'm talking about, right, So
• 14:48
  Speaker 1: that's the first step. What I had to do this.
• 14:51
  Speaker 1: I had to focus on what I want to do, realize,
• 14:54
  Speaker 1: you know, what I want to do with my family, well,
• 14:57
  Speaker 1: realize what I want to do myself, and just cool
• 15:00
  Speaker 1: us a little bit for like two years. I say
• 15:02
  Speaker 1: lots and read books podcast. I'm not really a clever
• 15:06
  Speaker 1: type of person, so I wasn't really going out of anything.
• 15:09
  Speaker 1: I wasn't really talking to friends. I was just spoken
• 15:11
  Speaker 1: on what I had to do. And that's how it really,
• 15:13
  Speaker 1: That's how everything happened. How it to go. Well, a
• 15:16
  Speaker 1: lot of people don't realize that they have to sacrifice
• 15:18
  Speaker 1: a lot of things to get what you really wants,
• 15:20
  Speaker 1: and a lot of people are not ready for that.
• 15:22
  Speaker 1: That's what I want to talk about. Because everybody wants
• 15:25
  Speaker 1: that that ferrari, everybody wants that diamond ring, everybody wants
• 15:29
  Speaker 1: that fat bank account. But there are sacrifices that you
• 15:32
  Speaker 1: have to make, and we make those sacrifices. There has
• 15:35
  Speaker 1: to be a goal in mind as to why you're
• 15:37
  Speaker 1: making those sacrifices and That's what we're talking about because
• 15:40
  Speaker 1: you start, you made that that conscious decision at twenty one,
• 15:43
  Speaker 1: and we all know twenty one mindset is to you know,
• 15:46
  Speaker 1: to be out the club and party and hanging, and
• 15:49
  Speaker 1: you decided to know this is uh, this is an
• 15:52
  Speaker 1: opportunity to better my life. But you now are you?
• 15:56
  Speaker 1: Are you working a full time job? Now? Is real
• 15:58
  Speaker 1: estate all you do? Yeah? I say my full time
• 16:02
  Speaker 1: job as well. But the thing about my job is
• 16:04
  Speaker 1: pretty easily exact. Over forty of the week, works like
• 16:07
  Speaker 1: maybe two hours a day. So while I'm at that job,
• 16:09
  Speaker 1: I'm still working real estate as well. That's another thing
• 16:12
  Speaker 1: I want to talk about. A lot of people don't
• 16:14
  Speaker 1: like their jobs or like what they do, but they're
• 16:16
  Speaker 1: not really maximizing all the time. They do have to
• 16:18
  Speaker 1: get out the job that they don't want to have.
• 16:20
  Speaker 1: So you can't want to be at your job complaining.
• 16:22
  Speaker 1: Are they're not really doing nothing about it after you
• 16:24
  Speaker 1: get off of work or doing your lunch break, And um,
• 16:27
  Speaker 1: that's how I started. So while I was at work,
• 16:30
  Speaker 1: wasn't doing anything. I got on my computer and got
• 16:32
  Speaker 1: to work and they started calling people making deals happen.
• 16:35
  Speaker 1: And then that's how it all happened for me. And
• 16:37
  Speaker 1: then after work, I was going to sleep at like
• 16:39
  Speaker 1: ten o'clock, eleven o'clock, working at three or full five
• 16:42
  Speaker 1: in the morning to do the same thing over and
• 16:44
  Speaker 1: over again. And as the things I was telling you about,
• 16:47
  Speaker 1: a lot of people not really sacrifice all their time
• 16:50
  Speaker 1: to learn and developing, but uh time and work into
• 16:53
  Speaker 1: their business. They rather um after work, go hang out
• 16:57
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• 17:00
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  Speaker 1: dot ai. Well wow, and that's all. That's all I
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  Speaker 1: tell people money making conversation is there's a technique to success,
• 19:09
  Speaker 1: and your technique is saying luke, I can I can
• 19:12
  Speaker 1: paint you an easy story and tell you that you
• 19:15
  Speaker 1: know that you can do this too. But this is
• 19:18
  Speaker 1: not cut out for everybody. This is this is not
• 19:21
  Speaker 1: and that's why you said yourself, you wasn't really cut
• 19:23
  Speaker 1: off for this, so to speak. That's why you said,
• 19:25
  Speaker 1: ray Sean on the reel, I went this direction because
• 19:27
  Speaker 1: I didn't want to spend any money. That's why I
• 19:29
  Speaker 1: went to YouTube, which was really smart because YouTube, like
• 19:32
  Speaker 1: you said, you can want to learn how to fix
• 19:33
  Speaker 1: your car, You want to learn to make a cake,
• 19:35
  Speaker 1: you want to learn how to how to make a rocket,
• 19:37
  Speaker 1: you want to learn how to be a marathon runner.
• 19:40
  Speaker 1: You can go to YouTube. It's on there. Just type in,
• 19:42
  Speaker 1: just type in search and a lot of options will
• 19:45
  Speaker 1: pop up and so that's what you did. And so
• 19:47
  Speaker 1: now with that being said, but also I like the
• 19:49
  Speaker 1: fact was that I always tell people that if you
• 19:51
  Speaker 1: have a full time job to follow your dream, that
• 19:54
  Speaker 1: doesn't mean necessarily you should quit your full time job,
• 19:58
  Speaker 1: and in fact you should. You should try to married
• 20:00
  Speaker 1: to two and try to realize I'm a staping, I
• 20:03
  Speaker 1: said all the time. But Parker, is this, if you
• 20:08
  Speaker 1: have twenty four hours in a day, learn to take
• 20:10
  Speaker 1: advantage of every hour. And that's what you did. And
• 20:13
  Speaker 1: you said, look, I got a nine five, I get
• 20:16
  Speaker 1: up at three and give be four or my lunch break.
• 20:17
  Speaker 1: I called somebody. Since I get a work, I called somebody.
• 20:20
  Speaker 1: Now has has that led to any complications? Because I
• 20:24
  Speaker 1: know you said your job is unique it allows as
• 20:26
  Speaker 1: you do that. But what if somebody was a banker
• 20:29
  Speaker 1: or bank to working at a bank or or working
• 20:31
  Speaker 1: at a typical ninety five that tells you that you
• 20:34
  Speaker 1: have to come to work, you have to do things
• 20:36
  Speaker 1: nine to five, because they still accomplished what you're trying
• 20:39
  Speaker 1: to make happen on Neil of course, so let's say
• 20:43
  Speaker 1: you said nine to five, So what are you doing
• 20:45
  Speaker 1: between seven eight thirty? You gotta think you might have
• 20:48
  Speaker 1: to wake up a little earlier, stay of a little later,
• 20:49
  Speaker 1: so you can do a lot of things. Just how
• 20:51
  Speaker 1: committed all you to do what you want to do. Now,
• 20:55
  Speaker 1: there's always, of course to you wor nine at least
• 20:57
  Speaker 1: get out of lunch break so you know, go sitting.
• 21:00
  Speaker 1: I don't really tell boys, don't tell everybody what you're doing,
• 21:02
  Speaker 1: because of course they're gonna gonna go around the office
• 21:04
  Speaker 1: and then that might be a problem. So you gotta
• 21:07
  Speaker 1: post it in lock in and then do what you
• 21:08
  Speaker 1: gotta do. Now, with that being said, you've written a
• 21:11
  Speaker 1: book because you need book. I mentioned it in my
• 21:13
  Speaker 1: opening introduction to you. It's called Interest Free Money Guide.
• 21:18
  Speaker 1: What exactly is that book about and why did you
• 21:20
  Speaker 1: write it? So that book is really about business credit
• 21:23
  Speaker 1: and teaching our communities, the black community about um utilizing
• 21:27
  Speaker 1: and leveraging the credit scores, because many people have good
• 21:30
  Speaker 1: credit and don't know what to do with it, or
• 21:32
  Speaker 1: they have good credit don't own anything. So basically, this
• 21:35
  Speaker 1: book is teaching how to leverage your credit scores to
• 21:38
  Speaker 1: get interest free money from the banks, to investing yourself,
• 21:42
  Speaker 1: your business or some type of thing, some type of
• 21:46
  Speaker 1: investment to make you more money by leveraging the bank's money,
• 21:49
  Speaker 1: which is called OPM. Also reference to other people's money
• 21:54
  Speaker 1: because a lot of I'm sure a lot of people
• 21:55
  Speaker 1: hear other people's money, but they really don't understand what
• 21:57
  Speaker 1: it is. Other people's money is everybody else's money other
• 22:01
  Speaker 1: than your own. So me myself, I teach people how
• 22:04
  Speaker 1: to leverage the bank's money and you can get big
• 22:06
  Speaker 1: lines of credit fifty too, you know, two fifty dollars
• 22:10
  Speaker 1: per LLC, and it could be a brand new LLC.
• 22:13
  Speaker 1: A lot of people in our community has no knowledge
• 22:15
  Speaker 1: of that. So it was my goal to write the
• 22:18
  Speaker 1: book to teach people about that because, like I said earlier,
• 22:21
  Speaker 1: a lot of people don't know about it, and we
• 22:23
  Speaker 1: need to start taking advantage of it because the other
• 22:24
  Speaker 1: communities have been doing that for a while, and that's
• 22:27
  Speaker 1: what we're behind because we don't know any better. Now,
• 22:30
  Speaker 1: how do we get there? Now? You're on my show,
• 22:32
  Speaker 1: might to make a conversation. Are like you said, I
• 22:35
  Speaker 1: have a newsletter. If you don't mind, I'd like to
• 22:37
  Speaker 1: drop this information about you. My news letter goes out
• 22:40
  Speaker 1: to any thousand people and what what would you say?
• 22:44
  Speaker 1: Is so you know, if I had to write copy
• 22:46
  Speaker 1: about you and drop it in the newsletter, what would
• 22:49
  Speaker 1: you say? Will be like three sentences I shouldn't include
• 22:52
  Speaker 1: in the copy about you in regards to what you're
• 22:54
  Speaker 1: trying to do with your book. Okay, so I'll say, um,
• 22:59
  Speaker 1: the reason you need to because it's giving you access
• 23:02
  Speaker 1: to thousands of dollars that you can use to make
• 23:04
  Speaker 1: more money for you, your family, and your kids in
• 23:07
  Speaker 1: generations to come. That's all it is, basically, And how
• 23:12
  Speaker 1: did you find out about it? Just just too you know,
• 23:14
  Speaker 1: first of all, let's let's look back, because you what
• 23:17
  Speaker 1: are you? Am I wrong? In that age years old?
• 23:22
  Speaker 1: Twenty one years of age, you were trying to find
• 23:24
  Speaker 1: out who you were? All right? Because you want YouTube
• 23:28
  Speaker 1: and you file these real estate videos. You looked at them.
• 23:30
  Speaker 1: You said, I can do something. When I got your
• 23:32
  Speaker 1: home in bad Rouge and did a wholesale deal, made
• 23:35
  Speaker 1: two thousand dollars. This is in Now we're twenty and
• 23:38
  Speaker 1: the middle of a pandemic. You have two million dollars
• 23:41
  Speaker 1: of valued property out there. You have good unners or
• 23:45
  Speaker 1: some of them are Section eight people. They're loyal, You
• 23:48
  Speaker 1: do your research, You you have Creed. You have a
• 23:51
  Speaker 1: personality that have said that I don't want to be
• 23:54
  Speaker 1: a ninety five, but you're still holding on to your nine.
• 23:57
  Speaker 1: How does how can one say? How did you figure
• 24:01
  Speaker 1: this out? O'Neil, I gotta got you. So it's really Uh,
• 24:07
  Speaker 1: I'm a learned term thinking, long term planning, so I
• 24:09
  Speaker 1: know my job uses me, so I do everything I
• 24:12
  Speaker 1: can to use them. So you got to realize that
• 24:14
  Speaker 1: banks like people that have uh, two weeks checks was
• 24:18
  Speaker 1: just considered a guaranteed check. Banks that were like entrepreneurs
• 24:21
  Speaker 1: because they don't know where the next check is coming from.
• 24:24
  Speaker 1: My next check is not a guaranteed so I know, Um,
• 24:28
  Speaker 1: I want to buy Reynolds, build my past of income
• 24:30
  Speaker 1: to of course replace my job, maybe even double my
• 24:32
  Speaker 1: job income. So when I do quit, I have those
• 24:35
  Speaker 1: two year tax returns with my business, and I have
• 24:38
  Speaker 1: my assets to pay for everything that I'm trying to do.
• 24:41
  Speaker 1: So that's the reason why I kept my job. I
• 24:42
  Speaker 1: still have my job because it's a lot easier to
• 24:44
  Speaker 1: get funded from banks and private lenders, hard money lenders
• 24:47
  Speaker 1: and things that need So it's all about long term
• 24:51
  Speaker 1: thinking and planning for the future, not just for now.
• 24:53
  Speaker 1: So I see what you're saying. As an entrepreneur like you,
• 24:58
  Speaker 1: people don't know there's no guarantee because you are what
• 25:00
  Speaker 1: they say, an entrepreneur. But because you have a full
• 25:03
  Speaker 1: time job, they see a steady check, a guaranteed check.
• 25:08
  Speaker 1: It means that could be a guaranteed commitment to making
• 25:11
  Speaker 1: that monthly payment. Exactly, you gotta look good to the banks.
• 25:15
  Speaker 1: You gotta look look exactly how the people that's letting
• 25:17
  Speaker 1: you the money wants you to look to get the
• 25:19
  Speaker 1: money that they're trying to live. So I figured that
• 25:23
  Speaker 1: out and I just kept my job. So I could
• 25:25
  Speaker 1: have quit my job. So going back to the beginning
• 25:28
  Speaker 1: of my story, I started to busing sixty two thousand
• 25:31
  Speaker 1: and three weeks, I mean fifty thou and four months,
• 25:34
  Speaker 1: So at that time I was making like sixty sixty
• 25:37
  Speaker 1: sixty five thousand a year. But net that's really like
• 25:39
  Speaker 1: party to forty five thousand a year, I mean, more
• 25:42
  Speaker 1: of my part time job than my full time job.
• 25:45
  Speaker 1: And most people just walk away. But because see what
• 25:48
  Speaker 1: I think about the long term game, they think about
• 25:50
  Speaker 1: right now, we're just the downside of being an entrepreneur.
• 25:54
  Speaker 1: If there is a downside to being an entrepreneur because,
• 25:57
  Speaker 1: like you said, I'm sure dude, you can do you
• 25:59
  Speaker 1: get help in the fits with your full time John, Yes, okay, go,
• 26:03
  Speaker 1: so you gotta help. Benefits you don't have to worry about.
• 26:05
  Speaker 1: You know that check is gonna be coming to you
• 26:07
  Speaker 1: on a regular basis, you know it. It's like a clock.
• 26:10
  Speaker 1: What is the downside of being an entrepreneur compared to
• 26:13
  Speaker 1: a person who's living both lifestyles? Right now, O'Neil, you're
• 26:18
  Speaker 1: a full time employer and you are basically a full
• 26:21
  Speaker 1: time entrepreneur. So you get to tell me exactly the
• 26:24
  Speaker 1: benefits of being a full time person and the benefits
• 26:27
  Speaker 1: of being a full time entrepreneur, because you clearly have
• 26:30
  Speaker 1: figured out the twelve hours and giving this and twelve
• 26:33
  Speaker 1: hours to give this and I'm gonna sleep somewhere in between. Yeah.
• 26:38
  Speaker 1: So the benefits of both is of course what I
• 26:40
  Speaker 1: said earlier, the funding and everything with the job, uh insurance.
• 26:44
  Speaker 1: You can also leverage your full one K, so I
• 26:47
  Speaker 1: do that as well. Um so going towards the following, kids, like,
• 26:53
  Speaker 1: your job is giving you whatever the match six percent
• 26:56
  Speaker 1: you put in the thing, so now you're building Uh,
• 26:59
  Speaker 1: I say even as a car or something like that
• 27:01
  Speaker 1: with the company. So I did, uh, maybe like a
• 27:03
  Speaker 1: month ago. I took half of it out. So right
• 27:05
  Speaker 1: now with the coronavirus, you can either depend on your company.
• 27:08
  Speaker 1: You can take all your going call not have a penalty.
• 27:11
  Speaker 1: But I only took half of which is a loan
• 27:13
  Speaker 1: to myself. Put that in real estate, make more money
• 27:15
  Speaker 1: with it, and then I'm really just paying myself back
• 27:17
  Speaker 1: with interest. So you can leverage your job that way. Um.
• 27:21
  Speaker 1: The other benefits of being an entrepreneur is I don't
• 27:27
  Speaker 1: really need the job, so I don't have to work
• 27:28
  Speaker 1: over time. I don't want to. I just worked my
• 27:30
  Speaker 1: party I was gone, so I'm not really tied down
• 27:34
  Speaker 1: to having to go over there, So that's another benefit
• 27:37
  Speaker 1: of it. Uh. And also just um, building my freedom,
• 27:43
  Speaker 1: leveraging my job to make me more money, change my um,
• 27:46
  Speaker 1: you know, change my lifestyle. So that's the huge benefit
• 27:50
  Speaker 1: leverage them what it leveraging me in a partnership right now? Absolutely? Absolutely?
• 27:56
  Speaker 1: And so being an entrepreneur you have to be self motivating,
• 27:58
  Speaker 1: I'm sure, oh yeah, And do you work with any
• 28:03
  Speaker 1: other people in achieving your success story? Right now? And
• 28:07
  Speaker 1: from an entrepreneurship or entrepreneurial side of the table. Yeah.
• 28:12
  Speaker 1: So you know have kind of bility departments to have friends.
• 28:14
  Speaker 1: A lot of friends out there. Uh. Just started another
• 28:16
  Speaker 1: business in January. Are my business partner Mr Tyrn. So
• 28:19
  Speaker 1: we helped. We hold each other kind of boo. Of
• 28:21
  Speaker 1: course we both have to play out partunate the business
• 28:23
  Speaker 1: to seed. So that's a big part of uh the growth.
• 28:27
  Speaker 1: And uh we're start another hostealing business. So I stopped
• 28:30
  Speaker 1: within those four months that we talked about earlier. We
• 28:33
  Speaker 1: started one again in January. Reason we started this business
• 28:36
  Speaker 1: because we're both looking at the future. Want to Uh
• 28:40
  Speaker 1: the generational was by more property. So we're start another
• 28:43
  Speaker 1: holestealing business. Keep our pipeline full so we can pick
• 28:46
  Speaker 1: out the best properties to you know, either flip or
• 28:49
  Speaker 1: run out for that long term. Weal Wow. In your book,
• 28:53
  Speaker 1: you know the book we needs written this any book
• 28:55
  Speaker 1: that you can get, Uh, it's called interest Free Money Guide.
• 28:59
  Speaker 1: You're saying that in this book you can teach us
• 29:01
  Speaker 1: how to access interest free credit on twelve or fifteen
• 29:04
  Speaker 1: business credit cards. Talk to us about that, all right.
• 29:09
  Speaker 1: So the thing about the business credit is you don't
• 29:11
  Speaker 1: need much to get it. So you just need an
• 29:14
  Speaker 1: LLC E I E n uh seven hundred credit score.
• 29:18
  Speaker 1: Sometimes it could be six or eighty. So we just
• 29:20
  Speaker 1: would tell seven hundred less than like five harding cards
• 29:24
  Speaker 1: in the last six or twelve months, and then you're
• 29:27
  Speaker 1: really good to go and one personal credit card five
• 29:30
  Speaker 1: thousand or more. So if you meet all those requirements,
• 29:32
  Speaker 1: you can get fifty again fifty to two D fifty
• 29:35
  Speaker 1: thousand prayer le see interest free twelve to fifty months
• 29:39
  Speaker 1: or the same as cast. If you don't have to
• 29:41
  Speaker 1: make money off of a fifty thou interest free money this, Uh,
• 29:45
  Speaker 1: this really isn't to you, So I don't recommend it
• 29:47
  Speaker 1: to everybody. Recommended for people as responsible and has a
• 29:51
  Speaker 1: plan to buy assets or interest. The money and something
• 29:54
  Speaker 1: else has got to make them more money. You know,
• 29:56
  Speaker 1: if you want to get this to buy a card
• 29:58
  Speaker 1: something like that, it's not the to you. So you know,
• 30:01
  Speaker 1: if you have a seven hundred credits for you have
• 30:04
  Speaker 1: a plan you just are defunding, there's definitely something you
• 30:07
  Speaker 1: need to get. Wow. Talking to O'Neil Parker, he's based
• 30:12
  Speaker 1: in laughing at Louisiana. Uh got that little gumbo run.
• 30:16
  Speaker 1: He's he's doing real estate from Lafayette, Baton Rouge to
• 30:20
  Speaker 1: New Orleans. Um, here's an exciting book, Um that it's
• 30:23
  Speaker 1: an e book. It's called Interest Free Money Guide. It's
• 30:27
  Speaker 1: an e book is written to educate you on business credit.
• 30:30
  Speaker 1: And that's what we're talking about on the call today
• 30:32
  Speaker 1: on money making Conversations. UM, so are you comfortable with
• 30:35
  Speaker 1: me putting your book or link into my newsletter that
• 30:38
  Speaker 1: goes out to ninety thousand people on Wednesday? Yeah, of course,
• 30:42
  Speaker 1: of course. And I can also see the link before
• 30:44
  Speaker 1: they before they can buy. You know, if anybody else
• 30:47
  Speaker 1: that's on him, you have any coursetion of anything. I
• 30:48
  Speaker 1: can follow on Instagram or Neil Oh and E. R.
• 30:51
  Speaker 1: L J. Parker and you got any questions, you can
• 30:54
  Speaker 1: shooting a message. Yeah, you can definitely put on that.
• 30:57
  Speaker 1: Oh definitely will I'm thinking something, Neil. I wouldn't try
• 31:01
  Speaker 1: to give away your book now, he said, I get
• 31:03
  Speaker 1: a link on so you can, uh, you know, they
• 31:05
  Speaker 1: can buy it. I'm trying to sell you. You don't
• 31:07
  Speaker 1: want to make you guy, This ain't free money making conversation.
• 31:10
  Speaker 1: Dot Com money baking comes say dot com And I'm
• 31:13
  Speaker 1: just that you know, you know I'm old in you,
• 31:16
  Speaker 1: of course, and I'm always interested in hearing different plans
• 31:19
  Speaker 1: of success. And of course I started at twenty one.
• 31:22
  Speaker 1: I didn't have the technology that you have today, and
• 31:25
  Speaker 1: you seem to be wise enough to understand that use
• 31:28
  Speaker 1: the technology because it's free and it's available, and it
• 31:31
  Speaker 1: can it also can expand your education because your education
• 31:35
  Speaker 1: and the world of real estate was self taught. Correct, yes, sir,
• 31:39
  Speaker 1: of course. Well, my friends, I want to thank you
• 31:43
  Speaker 1: for coming on my show man the Great Conversation again.
• 31:46
  Speaker 1: Uh we will. My staff is gonna reach out to
• 31:49
  Speaker 1: you and get those links and get some more photos
• 31:51
  Speaker 1: and some some some more information so we can put
• 31:54
  Speaker 1: it in this week newsletter. I wanna thank you for
• 31:56
  Speaker 1: coming on money to make a conversation or Neil Parker, hey, man,
• 32:00
  Speaker 1: apreciate you invitement. Man. You know what I said, guy,
• 32:02
  Speaker 1: that Guta will be here absolutely. And I know you're
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  Speaker 1: saying you're starting your business in September and January again, right,
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  Speaker 1: a new business in January time frame? Right, we started
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  Speaker 1: in January twenty point this year. Okay, great, great, great,
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  Speaker 1: can talk about how that first year went, went through
• 32:21
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• 32:32
  Speaker 1: for calling my show. If you want to hear more
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  Speaker 1: Money Making Conversation interviews, please go to Money Making Conversation
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  Speaker 1: dot com. I'm ra Sean McDonald. I'm your host. In
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  Speaker 1: this season of giving, Cools has gifts for all your
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