Ethos: Get Your FREE Life Insurance Quote at https://ethos.com/icedcoffee HIMS: Get personalized and affordable care for Hair Loss, ED, Weight Loss, and more at https://Hims.com/ICED ZipRecruiter: Post jobs for free at https://ziprecruiter.com/ICH Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Follow @PaceMorby Here! *𝗖𝗢𝗡𝗡𝗘𝗖𝗧 𝗪𝗜𝗧𝗛 𝗨𝗦* 𝗜𝗚: https://www.instagram.com/icedcoffeehour 𝗝𝗔𝗖𝗞: https://www.instagram.com/jlsselby 𝗚𝗥𝗔𝗛𝗔𝗠: https://www.instagram.com/gpstephan 𝗖𝗹𝗶𝗽𝘀 𝗖𝗵𝗮𝗻𝗻𝗲𝗹: https://www.youtube.com/c/TheIcedCoffeeHourClips 𝗫.𝗰𝗼𝗺: https://x.com/TheICHpodcast 𝗧𝗶𝗸𝗧𝗼𝗸: https://www.tiktok.com/@theicedcoffeehour 𝗦𝗽𝗼𝘁𝗶𝗳𝘆: https://open.spotify.com/show/5c2uoXBQkOjIiCOf60jJj7 𝗔𝗽𝗽𝗹𝗲: https://podcasts.apple.com/us/podcast/the-iced-coffee-hour/id1515070058 00:00:00 - Intro 00:00:57 - $500M Real Estate, $400M Debt & Why Creative Finance Works 00:04:48 - Walking Through a Sub-2 Deal & Is This Even Legal? 00:09:01 - How Mortgages Really Work & Why Banks Don't Care 00:13:35 - Non-Recourse Debt, Infinite ROI & Biggest Losses 00:16:42 - Sponsor: Ethos 00:18:02 - Multiple Strategies, Creative Finance Defined & Building the Operation 00:23:23 - Why Smart Sellers Should Never Sell for Cash 00:25:54 - Graham's LA Property: The Lease Option Math 00:28:35 - The Afterparty Strategy, Homeless Lady Deal & Where He Buys 00:31:14 - Sponsor: Hims 00:32:33 - Sponsor: ZipRecruiter 00:33:29 - Execution, creativelisting.com & The Gator Program 00:36:00 - Best Deal Ever & Buying Graham's Primary Residence 00:38:01 - 10-Year Predictions & The Affordability Crisis 00:41:35 - The Shrinking Middle Class & Jason Oppenheim 00:43:52 - Five Trends: Co-Living, Oxford House, PadMission 00:46:42 - How the House Determines the Strategy & PadSplit 00:51:26 - Where He Won't Buy: California & Blue States 00:54:04 - Fixing Housing & Middle Class Survival Strategies 00:56:31 - The RV Park Buy Box & Why Brokers Don't Get Creative Finance 00:58:00 - Sponsor: Shopify 00:59:40 - Logic Over Sales Tactics: Accidental Landlords & workamper.com 01:02:00 - Car Washes & Why RV Parks Are Most Profitable 01:05:19 - Oil Field Parks & Why BRRRR Is Dangerous 01:08:09 - Multifamily Bloodbath & Ken McElroy 01:09:35 - The Great Rent vs Buy Debate 01:17:32 - Lending Money: Double Closes & Gap Lending 01:22:34 - Worst Deal Ever & Why Private Jets Are Irresponsible 01:26:12 - Tiers of Wealth: $1M to $100M+ 01:28:53 - Family Offices & Asset Protection 01:31:58 - What He Spends Money On & Creative Finance on Trucks 01:36:00 - Real Estate Agents vs Brokers & Income Tiers 01:39:19 - The Dangers of Creative Finance & Rapid Fire 01:43:45 - Final Advice & Wrap-Up For sponsorships or business inquiries reach out to: icedcoffeehourpartnerships@gmail.com Apply for The Index Membership: https://entertheindex.com/ For Podcast Inquiries, please DM @icedcoffeehour on Instagram! *Some of the links and other products that appear on this video are from companies which Graham Stephan & Jack Selby will earn an affiliate commission or referral bonus. Graham Stephan & Jack Selby are part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.