In this episode, I chat with Chad Harris, a former missionary turned full-time real estate investor, who’s quietly mastered the art of building a rental portfolio without ever using traditional bank financing. Chad walks us through how he raised millions in private money—starting with zero savings and a $2K/month income—and why less interest is actually more attractive to lenders.

From structuring win-win deals to understanding what private lenders actually want, Chad breaks down his strategy with a calm, no-hype approach that cuts through the noise. If you’ve been scared to ask for money, or you’re stuck using your own cash, this episode will completely change how you think about raising capital.

[Timeline Summary]

[0:00] – Introduction

[1:01] – Why higher interest rates actually scare off private lenders

[2:06] – Chad’s journey from rural Kenya missionary to real estate investor

[3:33] – No savings, no job, no bank—but a vision that convinced others to fund him

[4:32] – Helping others become investors through lending

[6:12] – Where to find private lenders (hint: they’re everywhere)

[8:21] – Why 6–8% is a gift to most retirees and stock investors

[9:18] – The 3-part pitch Chad uses every time to start the private money conversation

[11:08] – 37+ places to find lenders (free resource)

[12:17] – Why Chad chose rentals over flips or wholesale

[14:10] – How he generated cash at acquisition and refinance without using banks

[17:03] – The turning point: when cash flow pressure finally eased up

[18:22] – The lender mindset shift: lower rates = lower risk = more money raised

[22:10] – The case for 10-year, interest-only loans

[25:05] – How to work with Chad or learn more from him directly

5 Key Takeaways

1. Higher interest ≠ more money. Lenders see high rates as high risk. Lowering rates actually increased Chad’s capital access.
2. Private money is everywhere. Most people don’t know they can be lenders—until you show them how.
3. Longer terms, less chaos. Chad now uses 10-year, interest-only loans to reduce stress and balloon headaches.
4. Start with your story. Use a simple “why, what, how” pitch to build interest and trust with new contacts.
5. You don’t need a bank. Chad built an 80-door portfolio using only private and seller financing—and teaches others how.

Links & Resources

• Free guide: 37+ Places to Find Private Lenders
• Learn more or work with Chad: TrueWealthInvestors.com
• Need financial clarity in your business? SimpleCFO.com

Enjoyed this episode? Don’t forget to follow, rate, and review the show—and share it with someone who thinks they need a bank to build wealth.

In this episode, I sit down with Isabelle Guarino, CEO of Residential Assisted Living Academy, to talk about one of the most overlooked and impactful real estate investment opportunities in the market today. We dive deep into how owning and operating a residential assisted living home can create lasting income, build generational wealth, and provide critical care for a rapidly growing aging population.

Isabelle shares how her late father pioneered the RAL movement, how the industry exploded during COVID as families turned away from big-box facilities, and why this business model is not just recession-resistant—but recession-proof. From licensing to staffing, cash flow to exit strategies, this episode is packed with real-world insights and an inspiring mission: to do good and do well.

[Timeline Summary]

[0:00] – Introduction

[1:45] – COVID exposes flaws in big-box senior care and boosts small-home demand

[3:01] – How one student opened two homes—and filled them within months

[4:15] – Why most RAL investors end up selling everything else to go all-in

[6:25] – Big-box vs. boutique care: The numbers that reveal the quality gap

[8:02] – Do you need a license? The truth about roles, regulation, and how it works

[10:05] – Four ways to get started: build, buy, convert, or lease

[11:07] – The cash flow math: How 10 residents at $5,500/month adds up

[13:49] – How RAL Academy trains you to scale with staffing, licensing, and funding

[16:00] – Marketing that fills beds: Facebook buzz, placement agents & more

[18:48] – It’s not just income—it’s a real, sellable business + real estate play

[22:18] – Why this model is steady through recessions and economic chaos

[24:32] – Impact first, money second: how mission drives this model

[27:00] – How to get started: training, resources, and what to expect

Links & Resources

• Learn more and get started: RAL101.com
• Isabelle’s organization: Residential Assisted Living Academy
• Want help organizing your business finances first? Visit SimpleCFO.com

If this episode opened your eyes to a new path in real estate, don’t forget to follow, rate, and review the show. Share it with someone who’s ready to invest with purpose—and build a legacy while they’re at it.

In this episode, I sit down with Mike Webb—firefighter, real estate investor, and co-founder of Jump Capital—to talk about the moment life forced him to stop… and how it reset everything. After a terrifying medical event took him out of commission for months, Mike shares what it taught him about being intentional, building a real business (not just a job), and why profit without purpose means nothing.

We get into how his business survived without him, the power of partnerships, and how Profit First helped him and his partner Bill Kenny finally pay themselves on purpose. Whether you’re chasing financial freedom or just trying to stop the entrepreneurial chaos, Mike’s story is a powerful reminder of what matters most.

[Timeline Summary]

[0:00] – Introduction

[1:09] – Mike’s dual identity: firefighter and financial freedom builder

[2:36] – A sudden brain bleed, ICU stay, and a forced five-month reset

[5:21] – Why their business didn’t collapse—and how they built it to survive

[8:10] – The “wild card” test: how Bill stepped up when Mike was down

[13:18] – From flippers to lenders: their pivot into more sustainable income

[16:00] – What finally pushed them to hire a CFO and how it changed everything

[18:46] – Profit First in action: going from random paydays to intentional salaries

[22:32] – Building a business you can run with a laptop and a phone

[26:24] – The real “why” behind it all: Mike opens up about fatherhood, family, and legacy

[32:05] – Where to find Mike, and why you should follow his journey

Links & Resources

• Mike’s lending company: Jump Capital
• Learn more or book a CFO: SimpleCFO.com

If this episode hit home for you, do me a favor—rate, follow, and share this podcast with someone who needs it. And don’t forget to leave a review if you got value from today’s conversation.

In this episode, I catch up with real estate investor and operator Joe Theriault, who pulls no punches about the gritty reality of scaling a company from solo hustler to a 20-person powerhouse. Joe shares the lessons, sacrifices, and systems that got him from being burnt out on renovations to building a culture-first business with a massive vision—and the finances to back it up.

We get into everything from top-grading talent and building true loyalty, to navigating cash flow chaos with Profit First, and why he now invests heavily in coaching, leadership, and legacy. If you want the raw behind-the-scenes of what it actually takes to build a sustainable, profitable business in real estate, this is it.

Episode Timeline Highlights

[0:00] – Introduction

[1:20] – Joe reflects on surviving slow months with a $250K/month burn rate

[2:15] – How he scaled from solo flipper to a 20-employee company

[5:40] – Why he focused on being “the best company to work at” and how it changed everything

[7:15] – Topgrading, Predictive Index, and the hiring process that helped him scale

[10:00] – The secret to keeping great people? Genuinely giving a damn

[11:35] – 401Ks, Puerto Rico retreats, and using your company to change lives

[13:30] – How working with Simple CFO helped Joe navigate a business partner buyout and gain financial control

[17:00] – Investing $40K in Q2 marketing and turning it into $2M+ in assignment fees

[22:00] – The power of coaching, consulting, and removing your blind spots as a CEO

[24:00] – Joe’s current focus: JV deals, mobile home land packages, and park acquisitions

[26:45] – How to connect with Joe if you’re looking to partner or bring deals

5 Key Takeaways

1. Scaling requires more than systems—it takes soul. Joe’s team stays because he invests in them as people, not just employees.

2. Profit First gives clarity during chaos. When Q1 sucked, Joe leaned on the numbers to make bold, profitable moves in Q2.

3. Culture is a competitive edge. Offering 401Ks, paid trips, and real mentorship isn’t common in real estate—but it’s changed Joe’s company.

4. Consulting isn’t a cost—it’s a multiplier. Joe surrounds himself with experts in finance, leadership, and personal development to grow faster and smarter.

5. Vision drives opportunity. Joe’s next move? JV partnerships, mobile home land packages, and long-term wealth plays in the Northeast.

Links & Resources

• Email: joe@ipscash.com
• Facebook: Joe Theriault
• Instagram: @bostonjoetheriault
• SimpleCFO.com – Learn how to make profit a habit in your business

Enjoyed this episode? Don’t forget to rate, follow, and review the show. And if you’re sitting on a deal, land, or mobile home park, hit up Joe—he’s ready to partner.

In this episode, I reconnect with my friend and client Bill Kenny, who shares his powerful transformation from grinding through dozens of flips and transactions a year to building a more sustainable and scalable business. Bill opens up about how burnout pushed him to pivot into commercial real estate and start his own hard money lending company, Jump Capital.

We unpack how he transitioned from being in the trenches to funding deals for others, and how implementing Profit First (with help from Simple CFO) gave him the clarity and structure to grow with confidence. If you’ve ever wondered when it’s time to level up your strategy—or how to lend without losing sleep—this episode has the roadmap.

Episode Timeline Highlights

[0:00] – Introduction

[1:11] – Bill shares what he’s seeing in the current Mid-Atlantic market

[3:36] – From flipping and wholesaling to launching a hard money lending company

[5:49] – The moment burnout hit and Bill decided to shift toward commercial and passive income

[7:14] – Why lending felt like a natural next step—and how they approached it as operators

[8:53] – Lending criteria, target deals, and markets Jump Capital focuses on

[11:06] – What sets Jump Capital apart: partnership mindset and in-the-trenches experience

[13:01] – How they help new investors avoid costly mistakes and bad deals

[14:28] – Growth goals: Doubling annually and managing millions in active loans

[17:06] – The real impact of working with Simple CFO and fixing messy books

[20:34] – Advice for investors in today’s shifting markets

[22:58] – When to consider transitioning into lending or commercial investing

5 Key Takeaways

1. Burnout can signal your next big move. Bill’s pivot to lending came after years of grinding through 90+ annual transactions.
2. Lending works best when you’ve been in the trenches. His background as a flipper makes him a more valuable, reliable lender to investors.
3. The right systems matter. Profit First and a strategic CFO gave Jump Capital the clarity and confidence to scale intentionally.
4. Not all loans are created equal. Bill’s hands-on approach includes deal vetting, feedback, and mentorship—not just money.
5. Growth comes from focus. Bill narrowed his scope to bread-and-butter deals and now doubles his lending business year after year.

Links & Resources

• JumpCapital.Loans – Connect with Bill and apply for funding
• Instagram: @billkennyrei
• SimpleCFO.com – Book a call to implement Profit First in your business

If you’re ready to move from chaos to clarity, or want to work with a lender who truly understands your journey, this episode is for you. And if you enjoyed it, please rate, review, and follow the show. Your feedback helps us reach more investors ready to build profitable, purposeful businesses.

In this episode, I’m joined by Matt Kamp from DealMachine—an expert in real estate lead generation, partnerships, and all things systems. If you’ve ever struggled with keeping your deal flow consistent or wondered how tech can help you scale your investing business, this one’s a must-listen. Matt shares how DealMachine evolved from a simple tool for driving for dollars into a full-fledged real estate marketing platform that helps investors find, finance, and flip properties with ease.

We also dive into Matt’s personal investing journey—from doing deals with a full-time job to implementing Profit First from day one with his business partner. He opens up about their process, how they celebrate wins, and why intentionality and clarity in finances have been crucial to their success. Whether you’re looking to close your first deal or streamline your back-end systems, you’ll walk away with actionable insights.

Episode Timeline Highlights

[0:00] - Introduction

[1:05] - Matt’s entrepreneurial roots and how he joined the DealMachine team

[2:45] - The evolution of DealMachine: from solving a personal pain to building an industry-leading tool

[6:00] - Why referrals and community are key to DealMachine’s growth strategy

[9:30] - Driving for dollars 101 and how DealMachine simplifies the process

[10:45] - Skip tracing, list building, and marketing—all in one platform

[12:20] - How the DealMachine community fosters education, connection, and success

[14:00] - Matt’s personal investing story and using DealMachine to source and close local flips

[18:00] - Implementing Profit First from deal #1: the accounts, the mindset, and the structure

[21:00] - Celebrating profit the right way—how Matt and his partner stay grounded

[24:50] - Using partnerships to fund and flip deals without burnout

[28:00] - Where to find DealMachine and how to get Matt’s exclusive bonus for listeners

5 Key Takeaways

1. Don’t just generate leads—build a pipeline. DealMachine integrates data, skip tracing, and marketing to streamline your acquisition process.

2. Community drives success. Weekly training and networking calls help users stay engaged, educated, and supported.

3. Profit First isn’t optional. Matt and his partner adopted the system from day one to stay disciplined and profitable.

4. Celebrate your wins. Even with busy lives, Matt’s team makes time to honor the milestones with family-centered traditions.

5. Leverage your network. By partnering with GCs who fund and flip, Matt focuses on what he does best—finding great deals.

Links & Resources

• DealMachine.com – Explore the platform and get Matt’s free bonus for podcast listeners
• Contact Matt: matt@dealmachine.com
• SimpleCFO.com – Learn more about Profit First and getting your finances in order

If this episode gave you clarity or inspired you to take action, don’t forget to rate, review, and follow the show. Share it with a fellow investor who needs better systems and more profit!

In this episode, I sit down with the dynamic and unstoppable Nicole Purvy—a serial entrepreneur who transformed early setbacks into a real estate empire and a deeply impactful coaching platform. From being escorted out of her finance job for launching a YouTube channel, to teaching herself web design, building a digital marketing agency, and eventually founding one of the most respected real estate communities in Philadelphia, Nicole’s story is a masterclass in reinvention and purpose.

We talk about how she built her real estate knowledge from the ground up, helped thousands invest with confidence, and implemented Profit First to get control of her growing income. But it’s her raw and honest discussion about hitting rock bottom, healing from trauma, and discovering her God-centered framework for abundance that makes this episode one you don’t want to miss.

Episode Timeline Highlights:

[0:00] - How Nicole’s early love for money and entrepreneurship began at 8 years old

[3:00] - Getting fired (and escorted out) for launching a finance YouTube channel in 2009

[6:00] - Transitioning from digital marketing to real estate by accident—and building a loyal following

[9:00] - Running two businesses and facing imposter syndrome before her first real estate deal

[11:45] - Nicole’s first property deal and how faith carried her through self-doubt

[13:00] - Why she implemented Profit First and how she made it a daily ritual

[17:30] - What’s really holding investors back? Nicole unpacks the “caged genius”

[20:00] - The mindset work that changed her life and business after 2020

[24:00] - The origin of her “Goggles & Money” framework rooted in scripture and abundance

[29:00] - Why most people fail to achieve goals—and how Nicole helps rewire them for success

[30:45] - Where to find Nicole’s free trainings and ongoing support

5 Key Takeaways

1. You don’t need to be perfect to start. Nicole launched a real estate community before ever closing a deal—and it worked.
2. Faith + structure = profit. Implementing Profit First brought clarity and discipline to her booming income streams.
3. Mindset is the true game-changer. Information alone won’t get you there—your thoughts and beliefs must align with your goals.
4. You must heal to grow. Nicole’s journey showed that unresolved trauma can block financial and personal breakthroughs.
5. Scripture offers a wealth roadmap. Her “Goggles & Money” framework bridges biblical truth with practical financial wisdom.

Links & Resources

• NicolePurvy.com – Learn more about Nicole’s programs and framework
• MyPredictableProfits.com – Join Nicole’s free webinar
• SimpleCFO.com – Implement Profit First for your business

If you enjoyed this episode, please rate, follow, and leave a review. Share this with someone who needs inspiration and real tools to take control of their money, mindset, and mission. Let’s build a profitable business—and a purposeful life.

In this high-energy episode, I welcome back two of my favorite recurring guests, Joe and Jenn Delle Fave—real estate pros who are in the trenches every day. If you’re feeling the effects of a down market, this episode is your survival guide. We break down actionable strategies you can implement today, especially if your go-to tools like wholesaling or flipping aren’t hitting like they used to. Joe and Jenn explain how adding creative finance to your investor toolkit can be a total game-changer.

But it’s not just strategy—we talk about the real stuff too. From building teams and family life to handling fear and taking messy action, Joe and Jenn open up about the wins, the hard lessons, and what it really takes to thrive as an investor. Whether you’re new or seasoned, this episode will inspire you to simplify, pivot, and make smart moves—especially in turbulent times.

Episode Timeline Highlights

[0:00] - Introduction

[0:45] - Welcoming Joe & Jenn back and setting the tone for the episode

[2:00] - Why mindset and money management are critical from day one

[4:15] - Understanding market fluctuations in Florida vs. New York

[7:00] - Why owning cash-flowing assets still wins over time

[10:00] - The trap of taking every deal and why cherry-picking matters

[13:30] - The fear of making offers—and the bigger fear of getting a “yes”

[17:45] - How Jenn simplified investing concepts using her background as a teacher

[20:30] - What the J-curve teaches us about learning and progress in real estate

[22:00] - Profit First in action: Taylor Swift concerts and month-long family road trips

[25:30] - Homeschooling, real estate, and building a team that supports the dream

[30:15] - The Blue Ad Method: a no-cost Facebook strategy for incoming leads

[36:00] - The real reason most people don’t follow through—and what to do instead

[38:30] - Where to find Joe & Jenn and get their Creative Finance Playbook

5 Key Takeaways

1. Creative finance is a must-have tool in today’s real estate market, especially if traditional methods are no longer working.
2. Mindset and money habits go hand-in-hand—Profit First helps protect your business from chaos.
3. Don’t rush into every deal. Cherry-picking the right deals leads to long-term success, especially for newer investors.
4. Fear of success is real. Many new investors freeze not from failure, but from not knowing what to do when someone says “yes.”
5. You don’t need a big budget to generate leads. Joe and Jenn’s Facebook “Blue Ad” strategy shows how to bring in deals organically.

Links & Resources

• CreativeFinancePlaybook.com – Joe & Jenn’s lead generation playbook and free training
• Joe’s contact: (585) 207-2240
• Instagram: @jendellefave and @josephdellefave
• SimpleCFO.com – Learn how we help real estate investors implement Profit First

If you enjoyed this episode, please rate, follow, and leave a review. Share it with someone who could use a new strategy in today’s real estate market. Let’s keep building profitable businesses—one smart decision at a time.