And I know you have a fund now, but before we get into all of your business today and what you do as it relates to helping people fix and flip and all of that, just tell me a little bit about yourself and your background and how you grew up and how you got bit by this real estate entrepreneurial lending type bug here.

Yeah, Corey, I really appreciate you having me on, first off.

So yeah, going back, my story.

So I'm a double college dropout.

That's always how I introduce myself.

So in early 2013, I dropped out the first time from University of South Carolina.

to, to, to get sober.

What are your thoughts, I

I know you sorta, it briefly mentioned loan officer in 2015, but just tell us a bit about yourself and what got you to where you are today.

Yeah.

So, um, so I'm a double college dropout.

The first dropout was to get sober.

Uh, and then the second dropout, I ended up, uh, transferring and, and, uh, playing football at a small school in Ohio.

And, uh, I wasn't there too long until, until I had double hip surgery, and that was, that was the end of, end of that.

So, uh, came home in, uh, 2015, and was, was kind of, was, was thinking about finishing my degree, but a lot of my credits didn't transfer, so I ended up, uh...

Yeah.

And and so so kind of get me up to speed a little bit on what happened since then.

Yeah.

So like you're saying, I was in the mortgage business, had three full years of originating and made good money doing that, accumulated some rental properties.

But I just got to the point where I hated having tenants and dealing with all that stuff.

And I was in a high cost area in northern Virginia.

So the cash flow wasn't great.

So then pivoted to learning about apartments and Got hooked on that.

So at one point, did you start raising capital? And when did that start? And what was that like?

So looking over the next maybe three to five years, where do you see some opportunities for real estate investors? Well, commercial lending

has been in a weird spot the past few years.

Not just commercial real estate in general has been in a weird spot the past few years with interest rates doing what they've done and cap rates expanding and values just plummeting because of that.

So I think that opportunities lie...

Well, there's a couple thoughts I have on that.

One, I think a lot of people are going to get shooken out of the...

Shooken? Shaken? I forget what the correct tense is.

So can you give us a little bit of a like 101 version of this so people can kind of learn about it?

So take us a little bit deeper on that journey and how does that work, you know, flipping? Sure.

Obviously, house flipping is a way to generate cash, but it's not a way to generate wealth.

My strategy there was I would flip houses and let's say that I own 50% of the company.

Let's say that we did a flip and made $70,000.

My cut would be $35,000.

I would take that and I would deploy it into... take a little bit to live on, but I didn't need much.

And I had some rentals and other income.

So I think this is a perfect time right now for us if you can share what the difference is between the two and what your experience is like in both sectors.

You mentioned like a wedding venue, small hotel that you have and your kind of lending business, Harvey Capital.

Yeah, sure.

So the wedding venue and the hotel are next in the journey.

So I ran into a family friend.

We started talking and we ended up having lunch.

This was very early 2022, and he had been investing in hospitality for years at that point.

Both him and his wife have degrees in hospitality.

Just give us all the

What were the acquisition numbers, renovation budget, sales prize, and net margin?

Okay, yeah.

So I'll give you two.

One is really good and one was not so good.

So we'll start with the bad one.

So the not so good one happened in early 2022.

So we got in touch with someone.

What does that actually mean?