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Career shift Army to Realtor & VA Loan Changes with Bryan Rodriguez

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Gary Pinkerton hosts a veteran of the United States Military Academy at West Point, Bryan Rodriguez. They look at his military experience as well as his shift into real estate with his wife in Colorado. Bryan discusses deployments in Iraq and Afghanistan, managing $20 million in government equipment and 200 soldiers.

Announcer 0:04
Welcome to the heroic investing show. As first responders we risk our lives every day our financial security is under attack. Our pensions are in a state of emergency. A single on duty incident can alter or erase our earning potential instantly and forever. We are the heroes of society. We are self reliant and we need to take care of our own financial future. The heroic investing show is our toolkit of business and investing tactics on our mission to financial freedom.

Gary Pinkerton 0:39
Welcome to the heroic investing show, a podcast for first responders, members, the military, veterans and anyone looking to improve their financial future and gain some freedom with their time. We teach America’s heroes how to build passive income, build their startup business and safely grow wealth through real estate and other alternative investments. We have current assets Pryor first responders put protections systems and a team in place to help them build a life where they can focus on their passion, that service or product that they’re uniquely gifted to share with others, making the world a better place for all of us. My name is Gary Pinkerton and I co host this show with Jason Hartman. This is Episode 211 Episode 211. Today’s guest is army captain Brian Rodriguez soon hopefully army major Brian Rodriguez. So Brian is a 2009 graduate from the US Military Academy and in fact he played nose tackle for army’s football team during his time at West Point. So army so So Brian. Brian had had a wonderful career, eight years in the Army on active service immediately following his time at West Point. saw some time in the desert as many did while we were actively at war going back to back on deployments during that period. nearing the end of his time around 2016 and 17. Brian and his wife, Laura had purchased a few properties got a love for real estate, both investing and personal ownership, and actually had started a real estate business in Colorado Springs, Colorado, where they were currently stationed. And when it came time to move, Brian realized that he needed to take a pause from traveling around and get more involved even in his business that that Lana was running and doing tremendously well at and he continues to serve in the National Guard because he’s that kind of a guy. I had a great connection with Brian immediately as we started this episode, and I think you will as well. He’s got some great content in here also. So we Get into the VA loan process. And it’s a great reminder of what I had talked with a couple Navy Lieutenant buddies about in, you know, Episode 50 or so quite a while ago a couple years ago, as I was reinvigorating the heroic investing show. As I reflected back on it, though, I realized we did not cover one pretty important aspect of this and I might have misled when I was introducing and saying, Hey, we need to go back and talk about this. And that was that the VA loan limits had been lifted with the Bluewater Navy Vietnam veterans act. So here’s an example. So let’s say that you’re a home buyer with a VA loan entitlement and you purchase a $584,000 house in a county with a $484,000 limit, which is the current limit, and there’s some change on there, but I’m ignoring that. So you currently need a $25,000 downpayment to cover the 100,000 above the cap for your county. So that’s 25% of whatever exceeds whatever you’re counting. is, well, that’s going away in 2020. veterans with full VA loan entitlements can now borrow the full loan amount without needing to factor in a down payment. And I haven’t personally checked, but I believe this is already passed and everything is set, they’re just waiting on it to go into effect in 2020. So I’m not a huge proponent in going into a primary residence and getting bigger than you actually need. But don’t forget, as I talked about, with Brian On this episode, you can go buy a four Plex, and a really nice location for $700,000 and live in one part of it for a year or so and move on and now have a huge loan on a property that is cash flowing like crazy. This can be a game changer for most real estate investors and veterans out there. Active Duty and veterans and you all have earned it as Brian points out, so go get it. So I didn’t mean to make this a really long introduction. I wanted to correct or at least amplify and talk about something that we failed to talk about and I might have misled people on During the actual show, you’re going to love this show. Thank you so much for continuing to stay with us here on heroic investing. Here’s Captain Brian Rodriguez.

Gary Pinkerton 5:11
While heroic investors, thank you so much for joining us for yet another episode. Today, our guest is Captain Brian Rodriguez. And Brian started his army career back in 2009. He’s still at it as a reservist in the US National Guard. And he’s got quite a few tours that he has already completed in the army and continues to do so of course, and he’ll tell us about what he did there and how he started with the army. But the main reason I’m bringing Brian on and we thought that he’d be a great fit for this audience for first responders and military and veterans is that he and his wife mana have started tremendous real estate agency Keller Williams agency out in Colorado Springs, Colorado, and they’ve had some great success. It’s only a few years old, meaning that they still I remember all those lessons. And he’s got some great ones that I think he’s going to share with us today. We’ll also dive a little bit into a refresh of the VA loan. So I really look forward to it. And without further ado, and most importantly, Brian, thank you so much for joining the heroic investing audience.

Bryan Rodriguez 6:17
Thanks, sir. It’s an honor to be here. Again, I can’t thank you enough. This is a great initiative that you’re doing and helping out public service, the military and understanding how to weld build and all the different case studies that your podcast offers. So yeah, I’ll start it off. So I was a young 18 year old boy in Atlanta, Georgia, and I got recruited to play football in college in one of the colleges was my point. And it was really crazy because you know, when you’re 18 and you’re in Atlanta growing up, I’ve definitely wasn’t considering the army but my my father’s family was all in the military and my dad was like, give it one shot. And so I went up to West Point and it was absolutely beautiful, have the opportunity to get accepted to get an appointment. And when you’re on the football team, they help you source that appointment. And it was a great experience. I majored in management with computer science, and I commissioned in 2009. And so we’re kind of like in the midst of the war, and I got an opportunity to go see Iraq and Afghanistan. My first duty station was Florida, Texas, and I stayed there for a while. And I went to Iraq, Afghanistan while I was there, and eventually went to other duty stations and, and ended up at Fort Carson. And I did my final assignment on active duty while I was at Fort Carson. So I finished my final assignment as a company commander, and I was branch logistics. So my company wasn’t In company, and we were called a support maintenance company. So we supported the entire division for Carson, which was force ID. And so we had a lot of moving pieces. We did everything from welding, armament, fixing all trucks, track, track vehicles, everything, electronics, anything that wasn’t a helicopter or had a civilian contractor for maintenance we were doing. And so there was well over $20 million worth of equipment. Every every every year we were managing. And then in 2017, I decided to get out, because the business that my wife and I were doing at the time, was just getting too much. And I’ll definitely get into that part of the story. Because that’s, that’s really where the value is, is a lot of military a lot of public service. I don’t think they may create a hasty generalization that they can’t have a business On the side whether, you know serving their their city or their country, and, and I really want to be an example to that. But I eventually got out in 2017 December and joined the Colorado National Guard. And I still wanted to serve no matter what. So that was a great opportunity. Then I got my masters in real estate, a great benefit that we’ve earned. And that was great. I got at the University of Denver, and right now I am the, you could say CEO, my, my, my wife’s bodyguard, and everything for the company right now as we grow our team that’s under Keller Williams here in Colorado Springs.

Gary Pinkerton 9:47
That’s awesome. Well, thanks for taking us back through that. Yeah. And so let’s, you know, do a little bit into how this side business overwhelmed you all with success. How it started for Because I think that’s a great story. And then don’t forget about the early years, he told me a great story when we were off air about a murder that occurred in the middle of all this. So make sure you cover that as well. But let’s go back to how did you start in real estate and why?

Bryan Rodriguez 10:17
Yeah, I love it. It will go back to the Old Testament German stuff. So, so it’s really funny. So I was a young lieutenant and my wife at the time, my girlfriend, she was like, Hey, I’m gonna buy a house and I was like, adults buy houses like parents buy houses. You know, I was totally naive and oblivious to wealth building. And my wife’s like, well, I’m gonna buy a house. So I was like, I have to my rack money. So I was like, Yeah, I think I can do this as seen on HGTV. We ended up buying a small town home in Austin, Texas because I was stationed at Fort Hood. And I lived south of the base, 71 miles to be Because it’s a better city, it’s a it’s a growing city if you know if you guys don’t know about Austin, and it was definitely worth the commute, we bought this home for $45,000. I mean, could you imagine how is that $45,000 it was a total wreck. And I put about 15,000 into it. And when I realized that one, we bought the home cash, we renovated it cash. So all we had, we had no loan nothing. We were just paying utilities in the taxes. I really realized I was like, wow, I’m getting paid to live in, in Texas, right this thing called basic housing allowance. And I had no overhead and pretty much so I was like, Wow, this is amazing. And I got the bug immediately. And so my wife and I, we started reading all different types of books. And unfortunately, I got deployed to Afghanistan. When I got to blow it up, you see and I started reading the total Money makeover by Dave Ramsey. I started getting into bigger pockets and other podcasts. I started really understanding like, oh, cool, there’s this other life. There’s this. There’s this. There’s this leverage I can use. It was the VA loan. And I started reading up everything about the VA loan. Come back from Afghanistan. I go, they were buying a quad Plex. And I’ll talk more about the VA loan. But one of the benefits upon the VA loan is that you can buy up to four units. And so like babe, we’re buying a quad Plex bought a quad Plex when I came back from Afghanistan in Austin for 199. And I learned so much everything I didn’t have a property manager who was my second property, it was a huge property. I learned about evictions about maintenance, about how to improve a property, you name it. Eventually I sold that for a very decent profit and I learned a lot. But that was that was literally the beginning. And, you know, unfortunately, you’re going to get moved in the military or in government service. And we went to Virginia and this goes to that story of the interesting story we had about a wholesale deal. Uh huh. You know, sailings is just an opportunity where investors can find distressed properties, through all different ways right through foreclosures, through just walking down the street and seeing a distressed property. I mean, you name it, but the way we found it is that we actually changed our vehicle, like our car, and we changed it to a rap and we said sell to the veteran. And so that was just kind of like a We Buy Houses fast side but it was on our car, and we got a phone call. You know, fortunately it was through a, it was from a distressed seller, and this was in the Richmond, Virginia area. And bottom line, we eventually got it. under contract, we negotiate everything and there was deed issues. And we were dealing with the judge, the court, you know, the next of kin, which was the nephew, really, really challenging guy. And it’s funny, I literally had to go to my next duty station was Carson and I left it with a partner in Richmond to close the deal. But it got dark real fast come to find out the seller who we were under contract with was murdered, literally on the side of the road or rest in peace, but it’s just crazy. It’s a disclaimer, when you get into distressed properties, especially in wholesaling. You have to be prepared because you’re meeting a lot of sellers with all different, different challenges. And that’s a reason why the property’s distress and there’s an opportunity to help them but at the same time, you’re going to make a profit. So that was really crazy, but eventually went to Colorado. Wow.

Bryan Rodriguez 14:58
So I was a star Yeah, so

Gary Pinkerton 15:00
that’s a key key point here that to the audience that Keller Williams, the current place that you’re working with was not representing that.

Bryan Rodriguez 15:08
So, yeah.

Gary Pinkerton 15:11
Really appreciate making that clarity clarification. So I’m looking at your website. So I mean, audience, you can go to the Lana Rodriguez group, and then also sold by lrG. calm. And on that one, they show some of your listings and these things are gorgeous. Is this your typical listing? You know, I’m looking at one that’s like 1.3 million, but also even the ones that are 375. I mean, their properties. So you’re dealing with a lot different makeup than you did in Virginia when you had sell it to the veteran wrapped on your car.

Bryan Rodriguez 15:43
Yeah, correct, sir. A lot of that, you know, we see we think of ourselves more of a media company. But we’ll you know, just to further illustrate when we transitioned to Colorado, we were at a point where we were just focusing on our personal portfolio. When I moved to Colorado, I bought my second property with the VA loan. So remember, I bought that quad Plex with a VA loan, and you had a limit, you have a limit with the VA loan. And right now it’s 44 350. And I had just enough to buy one more property about a primary residence. And so at the time, we own three properties. And my wife wanted to grow our family and me being, you know, an officer and just trying to mitigate risk. I was like, well, you need to go back to work. We need to do for this child, not I don’t recommend for people to do that to their, to their partner, tell them they gotta go to work. They have a kid. But it was something that I knew that we in order for us to scale our real estate goals. She needed to be in the business. And she had a great background, a bottom line, she got her air gapped, she got her license and I was still active, and she just took off. She had a lot of skill sets. And I facilitated it military community. So that’s another tip that I offered a public service and, and the military is that you can create a business. I mean, you know, typical ones are like breweries or, or just any type of restaurants or shops. I mean, you have a community nested within you. And that’s what you need to leverage because people like doing business with people they know. And so you might as well start with your first sphere of influence. And we just took off, I mean, we took to a point where wanna, you know, service, over 30 families, to now we’re consistently over 100. And this year, we’ll finish with over 250 transactions with amazing families across Colorado Springs. And yeah, and those listings come in all shapes and sizes, that 1.3 I believe it’s the Charles Grove. That’s a beautiful listing right here in the broad more community. And it just shows that I mean, you see a plethora of different clients through real estate sales. And that’s what we do we help people purchase real estate.

Gary Pinkerton 18:09
And did you say that you started with a lot of your clients and being members of the military or veterans or they still are a large percentage of your your clients?

Bryan Rodriguez 18:20
Yes, sir. Yeah, we started basically with who we knew. And that was the military. You know, you have an associate you have a superior or subordinate, or just someone who’s in the military community outside. And eventually they start referring. I mean, one of the principles we had was, was all about selfless service. And, you know, to testify to that. I mean, we’ll have friends and family events for our community in the hundreds of people show up because we devote ourselves to our clients. And it’s just another thing about how you can really capitalize on on your own community. That’s awesome.

Gary Pinkerton 19:01
That’s, you know, that’s a really good advice about seeking those who already know like and want to do business with you or know like and respect you and would gladly do business with you, meaning whoever your network is, whether it be people you serve with as a first responder, or, or military or, or veterans or, you know, alumni groups, it’s so much easier to practice your craft on people who already trust you rather than, you know, then both trying to get the message across and, you know, trying to to gain rapport with the individual. That’s, that’s great advice. So

Gary Pinkerton 19:38
so things are going well in, out in Colorado, and now it’s time to go to a new duty station where it looks like that’s coming up. And so you decide I have to transition because I need to help my wife visit or I guess you were already helping substantially and we’re starting to get in the way.

Bryan Rodriguez 19:57
No, you’re exactly right. So we’re at that point. Where the army says, hey, it’s time for you to move. And I’m negotiating with the army trying to find duty station was in Colorado Springs. And unfortunately, the cookie doesn’t crumble that way. And that’s why I consider the guard because I still wanted to serve and still wanted to keep my investment if you will. close to me, and I had a great time and got the chance to earn promotable status. So now be becoming up on major. And it’s just been great because, you know, you know, like all of us, you know, you invest at a young age in this career, and it’s very hard to let go. And this was a great, great opportunity. Another opportunity I talked about before was the GI Bill. And so I had 100% GI bill because I served the X amount of time that’s needed to get 100% and the University of Denver accepted me and I definitely right commend people that when they leave the military that they merely transition, and they kind of retrain themselves for the folks that they’re doing outside of the military. Just like in the military, we understand what job we’re doing, we go to school for it, and then we go actually executed. And this really helped me transition and understand the benefit that I earned. But most importantly, give me that edge to immediately start, because, you know, we all have the leadership ability, the leadership experience, but really understanding the craft is you got to go back to school and you got to get educated. And so having that University of Denver real estate degree was was awesome. And that’s something I want to hit on before we get into the VA loan, which is another benefit. We’ve learned.

Gary Pinkerton 21:48
Yeah, yeah. And so I and and if you’re like myself, and and you stick around until you have gone quite a few years, you know, you also have the potential for your spouse, my wife got her nursing degree Through Seton Hall University using some of my benefits, and now my oldest son is using mine at Rutgers University. So it’s pretty awesome. And when you’re when you’re out of the military or at least not on active duty anymore, you know, you also get the the bH benefit, which is pretty substantial. So I, you know, same thing, I found it to be just tremendous. Thankfully, the, the, the program that I are the calling that I’m now very much focused on requires a high school degree. So with my nuclear engineering Master’s, I’m doing so, yes,

Gary Pinkerton 22:35
VA because, yeah, I mean, the VA loan process, I’ve used it numerous times, you know, a lot of the members of the military who are listening have as well. I think there’s some subtleties that I talked about probably a year and a half ago, that have there’s one, you know, kind of refreshed an important point to that for, you know, Vietnam veterans, which we’ll talk about here in just a second that President Trump issued through very recently. But then there’s saw some stuff that probably people don’t remember from a year and a half ago, and I covered it. And one of those is you talked about the maximum limit, right? And then there’s, there’s an opportunity to do a balloon type loan, which is applicable in Colorado and here in New Jersey. And there’s also the ability to do more than one right to kind of use use it for multiple houses, which you just you just commented on. I think if you said, I think if I understood you, right, you had the four Plex that you lived in, so you got to put the VA on that. And then when you move, you retained that property and put it on a second one is that true?

Bryan Rodriguez 23:37
Correct search. And so the deep dive in the VA loan that first topics called entitlement, and so the VA loan at that time was about 415. So I bought one property for 199. And I had about $200,000 plus left. I bought a property here in Colorado for 180. So I had enough within my entitlement of Two properties. Obviously, one of the key things is that you have to have the intent to occupy, but in the material occupy, and then we eventually get orders. Right? Right, then you move and then that gives you the opportunity to use your entitlement again.

Gary Pinkerton 24:17
Right, awesome. And one of the things I think that some people are not familiar with is the the idea of a of a jumbo loan, I said balloon, but I meant jumbo loan, and a jumbo loan, really what you do is so the government is going to back, you know, the simplest way in my opinion, to think about this is the government’s going to back the basically they’re going to ensure the bank or the lender from loss of the basically the downpayment portion is really what they’re covering for the lender. So the lender still has their normal risk, but the government kind of steps in and steps in on the veterans behalf and kind of ensures the other part, which is why you get to go in with no money down or lower rates or something like that and our lower qualification standards But then when you go beyond what their upper limit is that you said they’re in the four hundreds, then then basically you just have to cost share. And basically, you’re just really coming in with a down payment. That is, whatever your portion would normally be above that 400. And something. So my house here is like 600,000. And this crazy, high, high coastal town that we’re on. And so we were above the limit, and I just had to come in with, you know, covering that a little bit extra. Do you want to dig a little more into that?

Bryan Rodriguez 25:30
Yeah, yes, sir. So I actually had an opportunity to experience with that as well. So eventually, I sold the quad Plex. Eventually I sold the primary residence that I was in, and I had my entire entitlement back, but this time, I had the opportunity to buy a lot bigger home. And so that home was 500,000. At the time, I think it was 415 or 417, the VA loan limit, so I had to pay 25 to put a down payment on the difference of the VA loan limit and the purchase price. So I put 25% down. And that was a lot better than putting 25% down in terms of a conventional loan. Right. So I got the same VA benefits, but I just had to put more money now.

Gary Pinkerton 26:14
Right? So just to, I was just going to go into the numbers real quick to make sure people understood that. So, you know, let’s say you have a $500,000 house and the VA upper limit was for one, five, so there’s like 85,008 5000. So you had to cover 25% of that number of the 85. Not of the 500. Tremendously different amount. So go ahead. I’m sorry. I just want to make sure that was clear.

Bryan Rodriguez 26:38
Yes, that’s, yeah, that’s exactly right. So it gives you an opportunity to get that property for literally a fraction of what the market would in general, I mean, the VA loan is amazing. And let’s be talking about it because with the VA loan, I was not paying any private mortgage insurance. That’s huge. mortgage insurance is huge, because now that I have this big property, I’m not paying two or $300. And this stems because the nature of the VA loan is a non recourse debt. And so this usually means that if the borrower defaults, CRI the issuer, whoever lend you the money, it can seize the collateral but cannot seek out borrower friend and further compensation. And this is huge, because in the civilian, you could say they don’t have that opportunity. They have to pay PMI unless they put 20% down, and that removes that PMI requirement. So that’s a great, great advantage that people don’t see that they’re literally saving two to $300. That could go towards their property in the event they rent it or just then paying it off. Another thing is, the rates are very competitive in the VA loan. I want to say arguably my lender here in Colorado Springs, not not proclaiming him though. But he arguably has the best interest rates. And we’re seeing rates now at 3.3 3.5. And depending on your credit score, you can even get lower. Another thing about the VA loan was I mentioned about that one to four units. And so you can buy a single family, but people need to start understanding, and I highly recommend people to consider duplexes, even triplexes or quad plexes, which are four units, because it helps people. You know, if you’re starting off and you have opportunity, buy a duplex where you can live in one and rent the other. You’re going to reduce your liability, your risk, you’re going to potentially cashflow obviously, you’re going to buy it because you want it to cash flow. So that’s some some people need to really understand that, especially if it’s your first property and you’re young and you’re starting out. It’s a really great opportunity to build that wealth through that that smaller multifamily. I did mention about the VA loan limit right now. We’re at 44 350 and so that’s a lot. But it’s probably difficult for a lot of other service service. service industries like the Navy, where you guys have amazing duty stations and usually they’re their primary markets like San Diego were probably the average price points well over 500. So you’re already out of that VA London. And the other opportunity is that there’s closing costs associated with buying alone, but you can actually wrap those closing costs if you don’t get paid for into the loan right now. Now talking about the cost of doing business like actually getting the loan Yes, there’s virtually no money down. But there is a VA funding fee and that’s like one of the most important things when they understand that you do have to fund this this loan. And the funding feed really goes back into the VA loan, I mean, into the VA industry into the agents Because it helps disabled vets, it helps keep that program alive. And your first time use regular military is 2.15%. And then if you do a subsequent use, like I did before was 3.3%. And those can be in those are wrapped in to the loan as well. Or you can pay it off. And that’s pretty much the VA loan in a nutshell. But it’s something that I want. I want people to understand that you guys have earned it. Yeah, you’ve earned that benefit. And it’s something that you defend every day, right, the American dream, and I’m really passionate about that is how the military can really well build while they’re in their career and really set them up when they transition because you have employment. At least you have properties, gaining appreciation that potentially are renting cash flowing in you have a poor folio that at the end of the 30 year note they’re all paid off. Definitely want to hit that. Hit that again.

Gary Pinkerton 31:03
Great points, great points and just a couple of Additions on that. So the the jumbo loan limits go up pretty substantially, but they depend on what, what zip code you’re in. Right. So you know if and they’re also higher with multifamily. So if you get a four unit building in the right zip code, I mean, you could go on loan amounts up, I think it’s around 700,000, for multifamily like that. So definitely ask a lot of questions when you get VA loans. And then the other thing, the funding fee, so yeah, good points on the funding fee. It’s lower on the first one, that’s a great reminder a little bit higher on the second and subsequent. The other thing though, is that if you have any kind of disability in your, you know, from the VA when you separate from service, that waives the funding fee, which is also pretty substantially and to your benefit. So all great, great points. The biggest takeaway of this is that If you are a veteran in qualifying, and you’re not using this, because you haven’t asked enough questions about the VA, don’t get hooked into what you hear about being good with FHA loans. Look into the VA. And there’s just so many things we could go on and on there’s a, there’s a program where you can get absolutely zero charge for refinancing to lower rates. And it’s a very quick thing where they don’t even check credit. So tremendous opportunities with VA loans are could not stop going on. But I’m already on 30 minutes and I so much appreciate. Brian, you and bringing up those incredible questions. How can people I mean, you’re obviously in this space every day, you know, more quite a bit more about it than I do. I just am in the personal finance world and love to study but I haven’t touched it in over a year. That was a tremendous reminder for all of us. How do people reach out to you and just, you know, find out more about your insights and your experience in that?

Bryan Rodriguez 32:53
Yeah, sure. Hey, guys, I’m super close quarters. I’d like people engaging me so you can contact Me personally, I’m 512 that’s my area code 944 7900 Facebook me, that’s where I primarily operate on. So Brian dry en Rodriguez rld, right. Hit me up on Facebook asked me any questions and we can establish other forms of communication email through the air. But if you could have like us on Facebook, it’s the lawn Rodriguez group, PCF, Colorado, love to have you in chat and you guys can witness our community that we really want you guys to be a part of. But real estate is real. tangible, it is. It is everything that that it can be for someone. I mean, it’s not just a home, it’s a retirement. It’s a stream of income. And it’s everything that you you have earned you and I just can’t i can’t remind that enough because you’ll have veterans problem. Go out their own career and never buy a home. And it’s just really, it’s really disappointing.

Gary Pinkerton 34:06
Yeah, it’s not the only place to make wealth. But if you want to keep it more than one generation, it’s the only tried and trued way across the globe to retain wealth is to put in hard assets in the main ones real estate, probably because it’s been around the longest. It is definitely a proven very, to both get passive income to protect and grow family wealth. And so my gosh, Brian, the connection has been tremendous. The value that you brought to the honest has been substantial. Really appreciate your time. My best to you and Lorna, and can’t can’t wait to share this on on with heroic investing team, get some feedback from all of them to you, and continue our great connection we just made.

Bryan Rodriguez 34:53
Sure thank you again, guys. honored to be here.

Gary Pinkerton 34:56
Awesome. Take care.

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