CPO of Dovetail Mortgage, Craig Good, joins Storii Time to talk about real estate investing in all of today’s economic turmoil. Listen in to everything Craig, Saad, and Mike have to say about mortgage rates, shifts in home types, and other trends in the Greater Boston area.
Saad: Craig, how are you doing?
Craig: Excellent, my man. How’s everything going with you?
Saad: Good.Good.Can’t complain.
Saad: Mike should be on in a second.
Saad: But, where are you in Florida? Are you home? Or what?
Craig: I am. Well, home is Florida for me. I live in Sarasota.
Craig: So, you know, needless to say, the whole, you know, the whole marketplace that we run is that New England area, but we’re getting the, we’re getting built off the back deck down here in Florida. It’s a pretty good deal.
Saad: Nice. That’s awesome.
Saad: Mariana, thank you for joining.
Saad: So, you know, I’m I’m really excited about today’s chat because, obviously, I think I told you, where I’m in the process.
Saad: Right? So it’s like the timing is perfect. Serendipity.
Saad: And it’s a mix of different things, which we’ll get into, you know, once Mike’s on and once we kinda go through some of the challenges that people are facing and things like that, but I think it’s a timely topic given everything that’s going on right now. So that’s my take.
Craig: We emerged on the scene doing it a couple of years ago, and we realized there was a need for it because it, you know, it’s differentiators between that and conventional financing. And we saw some nuances that were, more in favor of an investor.
Craig: So we dove we we kinda dove deeper.
Craig: What’s happening?
Mike: Gentlemen. What’s up, brother?
Craig: How are you?
Mike: Saad waved at me. I’m good, man. What’s up? Let’s do this thing.
Craig: That’s awesome.I love the energy.I hope I can bring the thing.
Saad: No. You will.Craig, thank you for joining story time. I mean, obviously, you know, we’ve been we’ve known Craig for some time. I’ve known him since my early days at Torii, through Mike, of course.
Saad: Mike, welcome back to The US Of A Thanks. After your year long vacation, which was, which was beautiful. You know, Mike was in Kenya, and he’s sporting the, you know, similar type of vibe with his shirt.
Mike: Have to. You gotta rock it, dude. People need to, absolutely. If you go on a long vacation, it needs to be your identity for, like, two months after that.
Saad: Yeah.I love it.Exactly.
Craig: I agree.I gotta be Florida everywhere I go.
Saad: Yeah. The Buddha The Buddha himself.
Saad: Kevin McGee.
Craig: We got Subaru Luxury.
Mike: : Okay. We got that going on.
Saad: I love it.
Mike: Shit.
Craig: Subaru gang.
Saad:
I love it. That’s true. That those my people. That’s awesome. And, as we talk, anyone who joins, if you guys have questions, if you want us to dive into anything in particular, that you’re seeing or interested in, please just chime in the comments.
Saad: You know, Subaru Subaru Luxury just said Craig’s always got that energy. And and that’s why we love them.
Saad: So, but, you know, really important topic today. Investing in real estate is kind of near and dear to me. You guys both know that. I I think about it all the time, maybe to a fault, as my wife would say.
Saad: But, I think it’s a really important topic given everything that’s been going on in the economy right now. You know, obviously, interest rates are impacted, prices are impacted. Nationally, I mean, although I wanna focus on Greater Boston today,, maybe generally just New England.
Saad: You know, Mike, obviously, licensed in New Hampshire.That’s something to consider too.
Saad: But, but before we get into the meat of our discussion, worth noting, we’re gonna be doing, like, an in person live version of this, on May 8 in Braintree. It’s gonna be posted to our stories. I believe, Fred, he reposted it.
Saad: So we’re gonna be promoting it a lot over the next couple of weeks. So please join us, register, and, and, and, you know, it’ll be a good time. Food, drinks, obviously, you know, you know, a a talk a lot about investing in real estate and a good opportunity to ask us questions live as well. So, so let’s get into what’s going on.
Saad: Craig, like, tell us a little bit about what you’re seeing in terms of real estate investing right now. Specific, I mean, maybe you can start nationally, but kinda hone in on on Greater Boston if you don’t mind.
Craig: Well, really, the market that I know best is Greater Boston. So I’ll dive right into that, what we’re seeing.
Craig: You know, we saw some bank financing available on some of the product just for investors, and then we saw the Fannie Mae Freddie Mac version of that as well, which is, available. And then there was a five drop off to, like, where private financing then picks up.
Craig: So we there was a little intermediary world where, you know, rates are better, flexibility on underwriting is, afforded to the investor, better debt service coverage ratios where you’re not adding you know, you’re not using three quarters of the rent.
Craig: But in this case, in some cases, you’re gonna be able to use dollar for dollar on the rent, which sometimes in specifically the marketplace that, you know, Boston presents is sometimes the prices are a little outweighing the rent. The rent’s gotta catch up.
Craig: Right? So that’s really, a a recipe for, where this product and this commercial business purpose product line kind of picks itself up and places it in that orbit where, you know, investors got an alternative, to private financing is what we’ve seen a lot of it. You know, fix and flips where, we’re doing some of those.
Craig: We’re having some, good experience with some of our investors in that Roxbury, Mission Hill, Dorchester Belt, if you will.
Craig: You know, we’ve got enough muscle memory built up in a certain few certain neighborhoods where, you know, we’re using appraisals that actually could be used for the next transaction, you know, for us to be able to, you know, kinda do our own better intelligence because we’re kinda we’re packed into certain amounts of, that that Boston specifically that Boston area. We’re very committed to that market.
Mike: Craig, what you’re mentioning, are those the areas where purchase price or in monthly payment versus the what you can get for rent are the closest in proximity. Is that what you’re saying?
Craig: In some of these areas, we’re seeing the rent far exceed the payments. Actually with the promise, even now.
Mike: Now with these even now with these rates because that’s that’s typically what I think that that we a lot of people have held on to their houses and have rented them out for a few years with maybe purchasing the next one because of their locked in 3% rate.
Mike: So you’re saying even at a six, seven, and then whatever your, rates are with that,
Craig: it’s still Yeah.So the well, the reality of it all is it only has to cover the debt that you’re creating for it. And so most investors are usually comfortable with 20 to 30% down as their barometer anyways.
Craig: So in that particular space where we find that the lending is more fluid is that unlike owner occupied financing, investors know what they need to know, and they stay away from the problems that they’ve learned from before. And so it’s a lot less emotions involved in investor financing, and they like the bottom line aspect of being able to use all the rents to be able to cover the debt.
Craig: We’ve seen some situations where, you know, you got a four family that’s bringing in close to thirteen, fourteen thousand dollars a month, and payments are ending up at 9,000 even on high loan amounts. So those are those are big wins.
Craig: But we’re we’re also cognizant of the fact that in the Boston marketplace specifically, there’s some older generation multifamilies that, you you know, may not have had the right upkeep over the last twenty to thirty years. They’re certainly valuable for the what you could get in a you know, when they’re ready for market or they’re up to market standards, you know, the rent roll can get better. So we have products that will let you for a temporary period of time be lower than that one to one ratio.
Craig: So where you’re collecting less than the rental, income that’s coming in.Now better understood this way, though.
Craig: Investors is all more skin in the game gets you that opportunity. You know what I mean? That a minimum of 25% gets you that opportunity to be able to kinda slide a little bit lower.
Saad: Yeah.Obviously, right now, a lot of people, especially with the stock market getting pummeled and things like that, like, people have lost some of their equity. And so you’re with your products, you know, like you said, skin in the game. If you’re an investor, like, that is bare minimum. And, I mean, I think you can do 20% as well, but the rate’s higher. Right?
Craig: Over seven twenty, one to four family, you can do 80%. So, you know, the other piece of that is just that sometimes when you get up into that 80% market, sometimes you have to catch that that rental income.
Craig: So sometimes the a product availability goes there, but the debt service won’t let you get there.
Craig: Does that make sense? In other words, it’s a little bit of a lever that you have to move. You know, maybe we can end up at 78 LTV or something where the debt service is one to one. Because as I mentioned to you, we really only flow lower than that, one to one ratio with, like, 25% down.
Saad: Got it.
Craig: Those that you’re looking at four family works perfect for that model because you look at you got enough rental income coming in.
Saad: Got it.
Mike: And the benefit of Dovetail Mortgage is that you have kind of a freedom at this point to maybe not have everything set like a it’s not boxed in in in of you’re following a particular set of rules that you had to adhere to a 100%. Correct?
Craig: That’s correct. And, you know, this is the other caveat to this is this does dovetail commercial, which is a, you know, separately owned company that specifies and specifically deals with just this investor financing stuff.
Craig: So what that allows us to do, it has a little bit more product line, if that makes sense, Mike, where, you know, we have a lot more available to us.
Craig: We’re not relegated to the New England marketplace. We can go expand beyond that. But the footprint of where we’re focusing our energies is the best marketplace, which is the New England marketplace.
Saad: Yeah. Well, I mean, I think it also that’s this is where it makes the most sense.
Saad: It was gonna really kind of, like, help investors the most because to your point, and I I see it myself with the prices where they are right now, like, you know, the rents I mean, the rents are good here. But the prices are just a thing.
Saad: So the prices are just insane. And then you couple that with the high interest rates, then even if you’re putting 25% down.
Craig: Yeah.
Saad: It’s hard to make the numbers close.
Craig: You know what? Again, it’s we have these are very, credit score driven, and, certainly, we like that higher 700 FICO score, lower 800 FICO score borrow for this.
Craig: We’re not relegated there, but that’s what determines the better rates is that score has a real big impact on rates in that space.Down payment does as well. And then, you know, simply stated debt service coverage ratios.
Craig: And full disclosures, there’s prepayment penalties attached to this that go anywhere from one year or zero to five years.So and you can kinda pick which one of those that you do want and build it in.
Craig: Like, if you wanna buy out the prepaid, you’re welcome to do that, but the closing day gets more expensive for that flexibility.When you go a little bit, you know, let’s say you have a rehab project that you’re trying to…you wanna get out in a year or two years, we can custom tailor that, that exit strategy for you as well.
Craig: And what we find is that with the people that have a lot of equity right now, as owner occupied, they’re tapping that equity and going and buying stuff. That’s what we’re seeing a lot of. And that’s creating its own marketplace because we have fluid home equity line lending on dovetail mortgage. And some and by the way, that is good enough: a non subject property that you leverage is sufficient for down payment on these, types of loans.
Craig: This multifamily we go single family, we go condo, then we’ll go two, three, and four. When we get into the five to eight space, which is an emerging market, not a lot of people cover it. We’ve got about five or six lending outlets for that.
Craig: And, you know, we’re there is not enough frequency to tell you who our favorite lender is yet, but we do have certain favorites in the area because of our transaction experience with them.
Saad: Mhmm.
Mike: And how much of a swing are we talking on the either credit scores or the pre? Like, what is that range of interest rate?
Craig: So I see that even though we have products that will go down to six, 40 or six sixty on a debt service coverage ratio loan, we see that the pricing preferential is definitely seven twenty or above. They really like that that space because, you know, what that obligation score says is that they pay their bills if not on time, maybe even before they become they they they get to the mailbox.That’s the marketplace that’s, you know, attached to this, if you will.
Mike: And I I’m sorry. Interest rate wise, like, what’s the percentage swing of like, we’re we’re you know, what’s the range there?
Craig: Great question.And, you know, I’m always, like, a little guarded on topping interest rate because of that whole trade side of the other company that….We have. But in this space, because it’s non QM, I can say that they do rival the Fannie Mae and Freddie Mac rates.So in other words…It’s not something that’s like, you know what I will say is what it’s not.
Craig: It’s not this is a great play, but it’s 10%. This is a great play, but it’s 9%. We’ve seen fluctuations on the rates range anywhere from the mid sixes all the way. And now as the height as the market has tight, you know, gone a little higher, we’ve seen, you know, ups upwards to rates of 7.875, but nothing that is really, you know, kind of enough to dissuade you.
Craig: And the other piece to it is, you know, because these are investor loans and those people by nature are a little bit more savvy, they’ll also allow interest only components to it. If you’re having a tough time debt a debt service to cover it, you know, cover, you could use their, interest only component to it as well to make that principal an option to pay.
Craig: You know? Not a bad loan.Just you only have to pay the interest to the bank for the first ten years, and then it will kick into a full thirty year amortization.
Saad: So a few a few, a few a few new folks have joined. Jay Tao, Jay Doute, Esquire, Soman, the Halal Money Guy.He’s a regular. Thank you.
Mike: A regular. Man.
Saad: And JD Veliers, thank you guys for joining. Stop, guys.Any questions about investor financing, real estate investor financing, please leave them in the comments. I know Salman, he’s a lender himself, so he might have some thoughts on this.
Saad: But, but, but, Craig, I got a question. You mentioned private, money loans. For those who don’t, or or, you know, I mean, I also think about it like hard money loans.
Saad: Like, what does it mean, and how is that different from conventional financing versus, you know, also what Dovetail Commercial is offering? And does Dovetail Commercial fall into one of those categories?
Craig: So Dovetail Commercial has one of, a lot of different components to it. I’ll share again with you what we do. We’ll do a debt service coverage ratio. One to eight units is an easy loan to price. Above eight units, we have to get into the nuts and bolts of behind the scenes pricing because we have some multifamily lenders that will allow those projects to happen.
Craig: We’ll do a fix and flip. And so what that basically means is that they’ll allow them to buy a place, set aside a budget to approve it, get it up to standard where the rents can be maximized, and then they’ll basically use those loans as a little bit of an intermediary mezzanine.
Craig: The pricing will be higher. So in other words, we might get talking into the nines to the tens on that, but because of the fact of the matter is it’s only a six to twelve month loan. Okay? So that’s a fixed and flip.
Craig: And then we do have some ground up construction stuff that, you know, what I found is that I thought we might not be, you know, competing with banks in that space, and that wouldn’t be friendly to an investor. But then I realized that investors don’t really wanna deal with banks unless they absolutely absolutely have to because there’s meet committee meetings to approve loans.
Craig: There’s not a lot of I don’t wanna say it’s not fluid lending, but, you know, there’s a lot of red tape around those bank loans. And if and if investors can get the credit from some of these hedge funds that we have as the ground up construction lenders, could they get credit for five or six or 10 projects?
Craig: In some cases, they can finance most everything if they attach another piece of real estate to it and blanket it. Or generally speaking, they could put between 1015% down of the acquisition and a 100% of the construction.
Saad: Gotcha.
Craig: So then, you know, the fix and flip has value in the market because it’s less down payment than a than a, maybe a hard money loan. But to a degree, it’s a bridge because it’s not a long term financing platform. So it may have more expenses built into it upfront, but there’s no exit fees and there’s no prepayment penalty.
Mike: Nice.
Craig: So they get their they get their money on the interest for the time that it’s extended. And most savvy investors don’t extend what they after they use their own money without interest rate attached to it. And that’s the investor pocket for this. It’s, you know, it’s it’s a guy that’s although he’s in work boots, right, he still has the savviness to how draws on construction loan works and, you know, making sure that he’s mobile, if that makes sense. That’s the investor.
Saad: Got it. Are you finding that, so just going into the multifamily space because that’s where kind of, like, my my personal interest is.Right?
Saad: Like, are you finding that, people are having trouble getting, like, two families to work in this market?
Saad: Are you seeing more success with, like, the three, four, maybe even more, units?
Craig: So let’s let’s speak specifically to that three and four. The three and fours are having an easier time, debt servicing and also, you know, quite honestly, getting under agreement because the price points are significantly higher than they’ve been in the past. Right.
Craig: The two unit is a unique commodity because it’s still kind of being sought after by an owner occupant who wants to kinda play investment in the same time. So that market is a little harder to knock knock down a place.
Craig: But let’s get back to the generational property that’s available for sale throughout the Boston market.Is, like I said, there’s a lot of property out there, that my, my sources tell me that there are people that have paid the loan off a long time ago. They may not know that they have a tax taking because they haven’t paid a payment on it in five or six years. But at the end of the day, they are lien free.
Craig: So it’s one of those things where it’s always gonna be cleaned up in a sale. And we’re seeing that those properties are coming to market and getting under agreement, as fix and flips because right now, currently constituted, 10 old, 15 old stuff is not fetching the best market rent. So those we’re seeing come in that fix and flip space with that lower down payment strategy as long as your buck is working for you on the construction side.
Saad: Interesting.I mean, the point about the, you know, people who are trying to house hack and, you know, you know, like, new investors who are trying to kick just get in and, obviously, the price for for three families, four families are insane around here.
Saad: I mean, not that two families aren’t, by the way. Like No.
Craig: I was gonna say, you know what? Remarkably, I’ve been hearing some of the stats about that purple line extension down there, you know, going through Brockton down through Taunton and so on down there. And I will tell you, I’m seeing some city prices in, some of those districts that you’ve always been able to, you know, depend upon a lower price point. You know, those districts are actually catching up to other districts that are just continuing to flourish.
Saad: I mean, this was just a few months ago. I put an offer in on a place in Everett. Like, nothing amazing. It was just solid. Right?
Saad: It’s a two family. 18 offers.
Saad: And, I was I was shocked, and we went over asking, and we won’t even close. But that’s that’s kinda just the way I mean, it’s that speaks to what you just said.
Saad: It’s like, you know, like, you those those newbie investors and also those pro investors who are like, I’m dealing with these newbies.
Mike: So, like Yeah.
Saad: Yeah.I gotta step up and wave everything and all that kind of stuff. And, you know, so I think you have to be careful out there.
Mike: I kind of knew I kind of, like, understood that until you Craig and then Saad reiterated that, like, if you’re getting into the multispace, the two family is still the owner occupant. So it’s a different I get it.
Mike: People. You know I agree that no. I agree with that.
Craig: What they say is that, you know, when you’re early investor, meaning that with the really, quite frankly, when you’re young enough to wait your turn to have everything turn out in the long game, right, The the strategy right now for investors that are senior in the game is they’re buying cash flow.
Craig: That’s what they’re buying is the cash flow. And the reason for that is is that we can tie it into, you know, what we’re gonna talk about on the May 8, but, you know, cash flow and investor financing done through LLCs, you know, offers remarkable opportunities for, Top Shelter.
Craig: Remarkable. And I think that that’s the business sees it that way so that they’re you know, my AEs are not really emotional.
Craig: They’re just like, hey. Appraisal appraisal came in $10 high up. Appraisal came in 5. You know? They’re not necessarily worried about how the investor is going to feel at that AE level because there’s shifting ties.
Craig: There’s people who believe that properties are worth x. Then you have competent realtors that try to get that number to a T. But then there’s three or four comps that don’t jive with that. And then you have situations where, you know, you’re not talking about $20,000 disparities anymore.
Craig: In some cases, you’re talking about 200,000. But that’s because of what you’re talking about, Saj, with respect to prices are up, but the value is still chasing the price.
Saad: Right. Right. We’ve got seven minutes left, and I wanna do a quick case study with you, Craig. So, unless, Mike, you have any questions.
Mike: No.I’ll keep it rolling.
Saad: So let’s dive into it. Seven units to Springfield, three separate buildings. The seller is trying to sell it as a portfolio.
Craig: All on one. One deed?
Saad: No.
Craig: Okay.
Saad: Three separate deeds.It would all be residential effectively. Each one. A three family and 2 two families. Asking a million.
Saad: What’s the play? Like like, what what should what should we consider? And I’m buying with a partner, by the way. That would be the plan is to if we if we move forward, we’d be buying, myself and my business partner purchasing together.
Saad: What would be I mean, obviously, I mean, 25% is kind of all they’re side by side? They’re from two different law.
Saad: They, because of that, you’re gonna be in three transactions, I believe.
Craig: Yeah.And, good news is on that is that if your global debt service will work, that’s actually not a true worry because they’re gonna individualize each one of these units in debt service coverage, though. So you’re gonna be run regrettably having three sets of closing costs, three sets of stamps, three sets of, you know, three sets of appraisals.
Craig: That’s that’s just the way it’s currently set up. Now, if there’s non subject properties that you wanted to blanket, that’s a market that’s becoming readily available to try to offset some down payment as well. So I would educate you to that, but just say, hey. Standard rule of thumb is seven twenty or above. You know, we can get 80% of those.
Craig: Now we have to choke it out to debt service. Meaning, we just depress those qualifications and make sure those numbers line up.
Saad: Got it.
Craig: You know? Other than that, the rent line is going to determine the down payment.
Craig: That’s the wonderful thing about these is that, unfortunately, if the news changes where you gotta come up with more money because it’s not debt servicing, it’s easy to understand. It’s tough to absorb, but it’s easy to understand.
Saad: Got it. Can you can you explain to everybody
Mike: Question on that.And it and that can differentiate in in Saad’s example building to building. Right? It’s not
Craig: Yes.
Mike: It’s not being looked at as a singular deal at all.
Craig: No.Because it’s not on one d. If it was on one d, that have the flexibility. But here’s where that would be just to you know, I don’t wanna take thirty seconds on this one. If it was the way that it was, that would be a hard thing to appraise because you’d have to find a comp that, like, fits the same criteria. And, therefore, you’re probably single of best usage is what it is it is right now.
Saad: The other thing is, Mike, if it was and I don’t know if this changes, based on how, Dovetail would look at it. My guess is no. But, if it was seven units, one deed, it would also technically be a commercial property. And that would…
Craig: You know, again, we do a five to eight. In the all of these loans that we’re talking about are quasi commercial. We call them business purpose.
Craig: Right? So it’s not a skyscraper loan, but it’s, you know, something that’s attached to a bed and a rental income in the bigger scheme of things.
Craig: Alright? That’s the methodology. That’s our product line. If you wanna build out storage units, we’re not your company. But if you wanna build up a nine unit, we’re you’re gonna have, you know, places for people to, have lodging. That’s our that’s our loan.
Saad: Got it.
Craig: And on that net line of thinking, if you were looking at that seven unit one d, you’d have a tough time comparing that to another thing just like if a price Anything.
Craig: You know what? I think the reason why they’re separately deeded is because even though it might be three times this and three times that, their single invest usage is how they’re set up right now.
Saad: And then the well, they’re completely different lots. I mean, basically, what the seller’s doing, complete aside, is that he has these three properties. He’s trying to he can sell them individually, but he’s trying to just offload. There you go.
Saad: He’s a he’s a professional landlord, so he’s trying to offload several properties at once. But, I mean, our analysis is a 13 question checklist.
Craig: So I’ll get that checklist off to you, then, you know, we can go from there. But you talked about maybe being able to do a live example of it. You know, I’m interested to see if, number one, you know, where things line up in terms of how those get under agreement. Because I also do know that Springfield market, although a very emerging market, it’s got some it’s got some upside pressure to the price as well.
Saad: Yeah. Definitely.
Craig: Yeah. So, you know
Saad: It’s not.
Craig: What we used to it’s it’s not the world that we used to be in. And a perfect example of this, Saj, the day that we met was right I think it was post COVID, and we were out for the first time, and we were kinda, you know, kinda reengaging you socially.
Craig: And, I remember you telling me how, you know, you had to navigate and persevere through those first, you know, couple of months because, you know, you got a lot of no’s, a lot of yeses, but you got a lot of no’s. And so you’re tried and true, but even from that day to this day, we’ve had, like, two generations of markets.
Craig: And it’s interesting because it’s only really five years away from when that all kinda started. And what I was gonna say about this product is right around COVID, it had, like, two lives. So leading up to COVID, it was in existence, but undersell like a underutilized tool. COVID actually just kinda cramped it because all the hedge fund lending that was sent you know, finding out what was going on with with finances pulled back their, ears, you know, pulled back their horns.
Craig: They only lent what they were committed to lending. And so what ended up happening is they had to cycle back through it. We went through a period of really high rates to get some of the low rates. When that when rates jumped up, some of the balancing of that was difficult. So, you know, it’s had, like, two lifetimes, this, this non QM space.
Craig: But one of the things that makes it me know that it’s real is that, Robert and Flavia, went down to the broker show, beginning of the year. And usually, it was about 12 conventional lenders and four non QM. This year, whoop, inverted. Like, probably 12 non QMs, and everybody’s got, you know, we got ITNs. We got non we got foreign nationals.
Craig: We got everything in the bag for a Boston investor. We really do.
Saad: Interesting.
Craig: what I mean? And I know that the market that once conveyed, and I think we owe it to the people that come on the eighth to convey the sentiments of this this, these financing types because they’re under, they’re underutilized only because they’re not well known.
Saad: Well, we’re excited to talk to you a bit more about it.
Saad: It’s the eighth. You know, again, for those joining late, we’re doing this conversation, much more in-depth, live, in person, in Braintree.
Saad: Check out my story, Craig’s story, Mike’s story. You’ll see the details there. Register. Join us. We’ll love we’d love to talk to you guys in person. More information about that coming out over the next couple of weeks. But, again, May 8, we’re doing this live talking about real estate investing, financing, all, you know, all the details there. And maybe by then, Craig
Craig: Yeah. Right.
Saad: I’ll have more to share about the about the Isn’t that interesting? Specifically about that deal I’m trying to work on.
Craig: So Yeah, man. Power of possibility. I’m a big I’m a big, big positive guy. I know what I believe that, everything’s gonna work out all the time. And, you know, nine times out of 10, it does.
Craig: So, hopefully, that that does care too. I appreciate you guys letting me kinda double click on what I do for a living. It’s awesome to have I appreciate you having me.
Saad: Absolutely. More to come.
Mike: One of the best, man. Absolutely.
Craig: Always love you. Thanks, Dokko.
Saad: It’s Craig. That’s Mike.
Saad:
This is Storii Time. See you guys next week.
Craig: Appreciate you.
Mike: Later.
This Instagram live is transcribed for your easy reading. If you want to catch Storii Time live, every week, follow @saadmun1r and @photolowski on Instagram.