Welcome back to Dont get this Twisted

The conversation covers the impact of investors on renting prices, encouraging buyers to take the leap, selling a house and moving out of California, considerations for buying a house in another state, and final thoughts and contact information.

Explicit

DGTTwisted@gmail.com

Copyright 2024 Dont get this Twisted

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This podcast and website represent the opinions of Robb Courtney and Tina Garcia and their guests to the show and website. The content here should not be interpreted as medical advice or any other type of advice from any other type of licensed professional. The content here is for informational purposes only, and because each person is so unique, please consult your healthcare or other applicable licensed professional with any medical or other related questions. Views and opinions expressed in the podcast and website are our own and do not represent that of our places of work. While we make every effort to ensure that the information, we are sharing is accurate, we welcome any comments, suggestions, or correction of errors. Privacy is of the utmost importance to us. All people, places, and scenarios mentioned in the podcast have been changed to protect confidentiality. This website or podcast should not be used in any legal capacity whatsoever, including but not limited to establishing “standard of care” in a legal sense or as a basis for expert witness testimony related to the medical profession or any other licensed profession. No guarantee is given regarding the accuracy of any statements or opinions made on the podcast or website. In no way does listening, reading, emailing, or interacting on social media with our content establish a doctor-patient relationship or relationship with any other type of licensed professional. Robb Courtney and Tina Garcia do not receive any money from any pharmaceutical industry for topics covered pertaining to medicine or medical in nature. If you find any errors in any of the content of this podcast, website, or blogs, please send a message through the “contact” page or email DGTTwisted@gmail.com. This podcast is owned by "Don’t Get This Twisted,” Robb Courtney.

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[Robb]: And welcome to another show of Don't

Get This Twisted. I am Rob along with my co-host

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[Robb]: as always, Tina. Tina, how you doing?

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[Tina m Garcia]: I'm good, Rob, it's been a

crazy day, but I'm here, we're good.

4

[Robb]: Crazy days are

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[Tina m Garcia]: Crazy

6

[Robb]: always good.

7

[Tina m Garcia]: day. I've

8

[Robb]: Yeah,

9

[Tina m Garcia]: been busy.

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[Robb]: mine's not even over yet, so after

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[Tina m Garcia]: Yeah.

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[Robb]: this it's off to other stuff. And if

you're hearing this, it's well, well before

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[Robb]: the day it's coming out, because it's

coming out on the 20 something or other. So

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[Robb]: if you're hearing this, it's Wednesday

the 26th.

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[Tina m Garcia]: 26th.

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[Robb]: Wednesday the 26th, you

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[Tina m Garcia]: Mm-hmm.

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[Robb]: know, live and in color. As always check

out our social media, Facebook, Instagram,

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[Robb]: Twitter, and hopefully by the time you

hear this TikTok with our lovable faces, so

20

[Robb]: you can see what we look like every

blue moon. And then make sure to go check us

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[Robb]: out on the Amazon's and the Spotify,

Apple, Google, iHeartRadio, and anywhere you

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[Robb]: can hear the podcast. And beforehand,

I need to throw a little shout out to someone

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[Robb]: who's been like kind of cool to me and

hooking me up at Fontana Mazda. My buddy Jose,

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[Robb]: he's the assistant sales manager there.

If you need a car, go there. And mostly if

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[Robb]: you want a Mazda, they're really cool.

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[Tina m Garcia]: Yeah

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[Robb]: I love this guy to death. He's a really

young dude and he's a manager, but he's kind

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[Robb]: of like in the scheme of things of like,

he's just hip. Like mostly with me going there,

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[Robb]: Tina, you can kind of, you know me,

I'm like, I'm always joking and shit and he

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[Robb]: took my jokes really well. He's a school

guy, so I

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[Victoria Camacho]: Thank

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[Robb]: told him I'd

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[Victoria Camacho]: you.

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[Robb]: give him a little shout out, because

he's always

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[Tina m Garcia]: Nice.

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[Robb]: hooking me up. And I'm gonna throw this

over to you, because we're going to talk real

37

[Robb]: estate, and that they're buying a home,

and the ins and outs, goods and bads right

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[Robb]: now. I'll throw it to you.

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[Tina m Garcia]: Okay, well, uh, I'd like to

introduce you to my friend Victoria Camacho.

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[Tina m Garcia]: She's, uh, been a friend of

mine since junior high and she's a real estate

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[Tina m Garcia]: agent and one of my partners

in crime. And most of the time when I'm talking

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[Tina m Garcia]: about something nine times

out of 10, I'm with her. So welcome Vicki.

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[Victoria Camacho]: Oh, like, you know, applaud,

applaud. How wonderful. Hi,

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[Tina m Garcia]: Hahahaha

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[Victoria Camacho]: guys. It's nice to be here.

Thank

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[Robb]: I know.

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[Victoria Camacho]: you.

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[Victoria Camacho]: Hi, there.

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[Robb]: Not

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[Tina m Garcia]: Absolutely.

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[Robb]: a problem.

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[Victoria Camacho]: So

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[Robb]: So

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[Victoria Camacho]: I have to tell

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[Robb]: how

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[Victoria Camacho]: you,

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[Robb]: are

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[Victoria Camacho]: Rob,

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[Robb]: we today?

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[Victoria Camacho]: I might, I might be, oh,

we're good. We're good. But what I was going

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[Victoria Camacho]: to say, Rob, I was going

to say, I might just go ahead and talk to you

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[Victoria Camacho]: about that Mazda guy because

I'm going to be looking for another car.

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[Robb]: It's good. He's really cool and he's

in Fontana. He's out in the Inland Empire,

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[Robb]: but he's well worth traveling for. He's

really cool.

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[Victoria Camacho]: Yeah. Wonderful. Well,

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[Robb]: So.

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[Tina m Garcia]: So

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[Victoria Camacho]: thank

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[Tina m Garcia]: yeah,

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[Victoria Camacho]: you again

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[Tina m Garcia]: so

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[Victoria Camacho]: for.

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[Tina m Garcia]: today we're going to talk about...

You're welcome.

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[Tina m Garcia]: Vic,

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[Victoria Camacho]: I'm

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[Tina m Garcia]: why

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[Victoria Camacho]: going

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[Tina m Garcia]: don't

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[Victoria Camacho]: to go

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[Tina m Garcia]: you tell

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[Victoria Camacho]: to bed.

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[Tina m Garcia]: us about yourself?

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[Victoria Camacho]: Okay, here we go. Ready?

Okay. So again, my name is Victoria Camacho.

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[Victoria Camacho]: I work with Keller Williams

in Porter Ranch in California. I've been a

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[Victoria Camacho]: real estate agent for about

going on 20 years. But I did start it off as

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[Victoria Camacho]: a front desk, got hired

through a wonderful person who just took me

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[Victoria Camacho]: into her wing and I went

off. I am experienced in obviously the front

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[Victoria Camacho]: desk. I've done a lot of

auditing on files, transaction coordinator.

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[Victoria Camacho]: I'm also had experience

in escrow. But the reason why I'm saying all

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[Victoria Camacho]: this is because I believe

I stand out compared to a lot of other of my

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[Victoria Camacho]: peers because I have quite

a bit of knowledge. And so basically I

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[Tina m Garcia]: in

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[Victoria Camacho]: started

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[Tina m Garcia]: other areas.

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[Victoria Camacho]: off as yes in other areas

and I don't mind the paperwork. I love working

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[Victoria Camacho]: with people. I love having

that opportunity especially first-time buyers.

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[Victoria Camacho]: First-time buyers are amazing

individual people and it's where my personality

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[Victoria Camacho]: comes out where I'm just

here to help and guide you in a direction for

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[Victoria Camacho]: your future home experience

if that makes sense. So yeah, I am again, just

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[Victoria Camacho]: love what I do. And I, you

know, just hoping I can help somebody get into

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[Victoria Camacho]: their first home.

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[Tina m Garcia]: Nice.

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[Robb]: Awesome.

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[Victoria Camacho]: Yeah, so what I wanted to

talk about, if that was all right with you,

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[Victoria Camacho]: is for the first-time buyers.

I know it's quite scary for first-time buyers

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[Victoria Camacho]: to even think if they can

do at this moment in time with the interest

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[Victoria Camacho]: rates really being high.

There is a lot of options for, especially for

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[Victoria Camacho]: first-time buyers. There's

Calhaffa. which is a loan out there that you

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[Victoria Camacho]: can put if you qualify of

course. And all again, all this is qualified

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[Victoria Camacho]: and I'm not an expert in

the lending, let's make that clear. But there's

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[Victoria Camacho]: some information that I

do know that could help you guide you to talk

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[Victoria Camacho]: to the right lender to tell

them, hey, this is an option for you. Never

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[Victoria Camacho]: ever, ever say that you

can never do this because things are always

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[Victoria Camacho]: possible. You've got to

be positive, you've got to believe in... something

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[Victoria Camacho]: and just take the steps

one day at a time. So again,

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[Tina m Garcia]: Absolutely.

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[Victoria Camacho]: it's just a challenge for

some people, but again, in this time that we're

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[Victoria Camacho]: in, it actually makes sense

if you're able to do it. If you have the financial

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[Victoria Camacho]: means to do it, then do

it. And my opinion, and the reason why I say

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[Victoria Camacho]: this as of now, is because...

once the interest rates go back down, which

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[Victoria Camacho]: is a lot of people's concerns,

what's going to happen with when the interest

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[Victoria Camacho]: rates go down? Does anybody

know?

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[Tina m Garcia]: The prices go up.

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[Victoria Camacho]: the prices go up.

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[Tina m Garcia]: Don't

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[Victoria Camacho]: So

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[Tina m Garcia]: the prices

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[Victoria Camacho]: when you...

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[Tina m Garcia]: go up?

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[Victoria Camacho]: the prices do go up, yes,

you are correct. They go up to where at this

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[Victoria Camacho]: moment when the interest

rates are down, like we saw about eight or

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[Victoria Camacho]: nine months ago, if the

interest rates are down, what happens to you

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[Victoria Camacho]: again? It goes up and you

have multiple people coming in and out bidding

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[Victoria Camacho]: and actually literally you're

in competition with

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[Robb]: Mm-hmm.

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[Victoria Camacho]: 15 to... 15 to 20 people,

sometimes even 30 I've heard from a lot of

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[Victoria Camacho]: my associates. And it's

not fun. And it really, really discourages

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[Victoria Camacho]: a lot of buyers in that

way, because again, you start thinking, oh

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[Victoria Camacho]: my God, I can't own a home.

Oh my God, I can't do this. What am I gonna

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[Victoria Camacho]: do? And then they give up.

But again, at this moment, if you are able

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[Victoria Camacho]: to do it at this moment,

if you have the financial needs and you have

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[Victoria Camacho]: it, it's the best time to

do it now because of the options that are out

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[Victoria Camacho]: there for buyers. and because

you won't be going into that where there it

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[Victoria Camacho]: could be in the springtime,

later in springtime, summertime where that

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[Victoria Camacho]: all right there is going

to be in a competition. So yeah, so again,

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[Victoria Camacho]: I can help guide you to

talk to the right lender unless you have a

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[Victoria Camacho]: right person who you want

to talk to. I literally hold people's hands.

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[Victoria Camacho]: I do. And I'll even cry

with you if you want. So, but I do everything

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[Tina m Garcia]: Hehehehe

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[Victoria Camacho]: that I can in order to make

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[Robb]: Mm-hmm.

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[Victoria Camacho]: things happen for them.

So, yeah. So, my understanding

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[Tina m Garcia]: What would

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[Victoria Camacho]: from...

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[Tina m Garcia]: you say is the first step for

somebody that's trying to buy a home?

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[Victoria Camacho]: Okay, well first of all

we need to, first of all you want to try to

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[Victoria Camacho]: Tell me what you want. Tell

me what are your goals for the next, for what

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[Victoria Camacho]: type of home you want. Do

you want three bedrooms? You want four bedrooms?

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[Victoria Camacho]: Do you want, I want to get

to know you. That's just my preference, how

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[Victoria Camacho]: I work with my clients.

I ask them what are their needs. And then the

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[Victoria Camacho]: second thing is, is that

I ask them, I'll say, okay, do you have anybody

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[Victoria Camacho]: who you trust? Who do you

trust with your financial situation? Go to

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[Victoria Camacho]: a lender, talk to the lender.

Talking to a lender that you know. will break

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[Victoria Camacho]: it down for you what you

can, what you cannot do. If you can't do things

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[Victoria Camacho]: at this moment, whether

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[Tina m Garcia]: Okay.

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[Victoria Camacho]: you have lower credit score

or maybe you don't have enough, you just got

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[Victoria Camacho]: a new job, what a lender

does is it focus you in the next year or even

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[Victoria Camacho]: six months, gives you that

guide to what to do in order to get to that

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[Victoria Camacho]: next step. Once you get

into that, I'm ready to go. You get pre-approved

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[Victoria Camacho]: by a lender. They look through

all your financial stuff. You get that all

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[Victoria Camacho]: done. And once I have a

number, we're ready to go. We're ready to look

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[Victoria Camacho]: at houses and let's enjoy.

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[Robb]: Hmm

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[Victoria Camacho]: Okay.

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[Robb]: So,

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[Tina m Garcia]: And...

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[Robb]: oh, I'm sorry, Tina, go.

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[Tina m Garcia]: No, no, go ahead Rob.

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[Robb]: I was more asking like right now, do

you see more houses up for sale, mostly in

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[Robb]: California, or is the market kind of

stagnant where people are staying in their

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[Robb]: houses now and there's like smaller

amounts of inventory?

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[Victoria Camacho]: Well, there is definitely

a smaller still inventory. And a lot of reason

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[Victoria Camacho]: why at this moment, as we

speak now, is that there's a lot of sellers

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[Victoria Camacho]: out there that wanna hold

onto their home because the interest rates

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[Victoria Camacho]: that they got when it was

1.5, 2.0, they wanna stay in there. So there's

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[Victoria Camacho]: not a whole lot of movement

because of that. The second thing though, even

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[Victoria Camacho]: before all of this, we still

were looking at low homes for sale. And that

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[Victoria Camacho]: could go for many, many

reasons on that level, but it is still kind

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[Victoria Camacho]: of a seller's market. The

seller's market is, they do have an advantage

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[Victoria Camacho]: still. They're just not

high like they were again eight or nine months

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[Victoria Camacho]: ago. So... And then also

for the buyers, they actually do have an advantage

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[Victoria Camacho]: of that as well because

we're seeing that buyers are actually asking

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[Victoria Camacho]: for closing costs. Closing

costs helps you with that on that level. And

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[Victoria Camacho]: why are you laughing?

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[Tina m Garcia]: No, we're not laughing at you.

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[Victoria Camacho]: Okay.

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[Tina m Garcia]: We're

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[Robb]: No, I was

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[Tina m Garcia]: trying

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[Robb]: saying-

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[Tina m Garcia]: to work out kinks on the program

here and

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[Robb]: Yeah,

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[Tina m Garcia]: he's, he's, uh,

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[Robb]: I was trying

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[Tina m Garcia]: I'm

207

[Victoria Camacho]: Oh,

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[Robb]: to

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[Tina m Garcia]: sorry

210

[Victoria Camacho]: is

211

[Robb]: send

212

[Victoria Camacho]: that

213

[Tina m Garcia]: about

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[Victoria Camacho]: what

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[Tina m Garcia]: that,

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[Victoria Camacho]: he does?

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[Tina m Garcia]: Vic.

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[Robb]: her a message to ask you the next question.

219

[Victoria Camacho]: haha

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[Tina m Garcia]: And I can't see because I don't

have my glasses on. Sorry. I'm so embarrassed.

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[Victoria Camacho]: Oh

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[Tina m Garcia]: Sorry, guys.

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[Robb]: Keep

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[Victoria Camacho]: my goodness.

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[Robb]: going, Vicky.

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[Victoria Camacho]: Okay, well, all right. Well,

ask

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[Robb]: Did you

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[Victoria Camacho]: me

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[Robb]: lose

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[Victoria Camacho]: the

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[Robb]: your

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[Victoria Camacho]: next

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[Robb]: track?

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[Victoria Camacho]: question. I did, I did,

I lose my track. But tell me Rob again, what

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[Victoria Camacho]: was your other question?

I mean, did I answer it? Did I answer it for

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[Victoria Camacho]: you?

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[Robb]: Yeah, it was more just like what's available

right now, because let's say I was gonna come

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[Robb]: into some money. My thing is this is

like, I wanna buy property, I'm not sure in

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[Robb]: California. So let's just say in general,

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[Victoria Camacho]: Thank

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[Robb]: and I'm

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[Victoria Camacho]: you.

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[Robb]: guessing that the market is probably

different in every state, obviously.

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[Tina m Garcia]: Mm-hmm.

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[Victoria Camacho]: Mm-hmm.

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[Robb]: But

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[Victoria Camacho]: Mm-hmm.

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[Robb]: I think right now it's the best time

at at my age that if I come into some money

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[Robb]: to put it into some land because I make

a decent amount of money, but I have no write-offs.

250

[Victoria Camacho]: Okay, all right. So if you

do wanna do investing,

251

[Robb]: So land would be good.

252

[Victoria Camacho]: land,

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[Victoria Camacho]: when you say land will be

good. So if you wanted to purchase on land,

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[Victoria Camacho]: obviously in the San Fernando

Valley, LA area is gonna be pretty pricey.

255

[Victoria Camacho]: And it also depends on how

much you want to put

256

[Robb]: Mm-hmm.

257

[Victoria Camacho]: down or how much you can

afford. Believe it or not, there was a time

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[Victoria Camacho]: even in Lancaster

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[Robb]: Mm-hmm.

260

[Victoria Camacho]: and Palmdale, that was the

hit area to go out of LA and purchase. But

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[Victoria Camacho]: it's, it's, it has become

where right now you cannot find, you can barely

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[Victoria Camacho]: find a home instead of like

a townhome under 500,000. I mean you probably

263

[Victoria Camacho]: can but it's, it's, you

have the good areas and you have your bad areas.

264

[Victoria Camacho]: It depends on where you

want to go. But obviously people are actually

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[Victoria Camacho]: going towards Bakersfield

because Bakersfield is the one that is actually

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[Victoria Camacho]: pretty reasonable. in the

prices that everybody wants to purchase at,

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[Victoria Camacho]: you know, under 500,000.

Um, there's other areas, of course, say like,

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[Victoria Camacho]: I have a land that I have

for sale in San Bernardino. Well, San Bernardino

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[Victoria Camacho]: in that particular area,

um, it's, it could be for a person who wants

270

[Victoria Camacho]: to purchase a home, but

it could be also for developers. But again,

271

[Victoria Camacho]: developers are not looking

to build at this moment. Um, they're looking

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[Victoria Camacho]: at just grabbing

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[Robb]: bright.

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[Victoria Camacho]: a house and flipping it.

because it's just the... what they could get

275

[Victoria Camacho]: out of it later is just

not there for them at this moment. Um, so if

276

[Victoria Camacho]: you did want to go out of

state, yes, of course, of course you would,

277

[Victoria Camacho]: you go out of California,

you would be able to find something, um, out

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[Victoria Camacho]: of state. And just to let

you people know, if you ever have anybody who's

279

[Victoria Camacho]: interested in moving out

of California, I can find you a realtor agent

280

[Victoria Camacho]: anywhere in the United States.

So, um, uh, I, literally

281

[Robb]: Oh.

282

[Victoria Camacho]: get on the phone with people

and I actually call them up and say, hey, I

283

[Victoria Camacho]: got a client here looking

for this, this, that. And hopefully I choose

284

[Victoria Camacho]: the right one that sounds

a good fit for my clients. My clients talk

285

[Victoria Camacho]: to them. If it all works

out, boom,

286

[Robb]: Mm-hmm.

287

[Victoria Camacho]: I have a referral for them.

So yeah, again, you can go out of state and

288

[Robb]: Awesome.

289

[Victoria Camacho]: make some money out of that.

I've actually encouraged some of my clients

290

[Victoria Camacho]: to actually say, because

they've asked me, where do you think I can

291

[Victoria Camacho]: go ahead and invest, Victoria?

I don't think we can invest around here anymore.

292

[Victoria Camacho]: I said, well then why don't

you try another state? Another state could

293

[Victoria Camacho]: be, you can do that all

you want. Yeah, so that's very possible. See,

294

[Victoria Camacho]: if you're looking for land,

there's not, again, not that much land around

295

[Victoria Camacho]: here, but yeah, it is possible.

If you get them up with the money, I'm your

296

[Victoria Camacho]: girl.

297

[Tina m Garcia]: What would you say is some

of the harder points about buying a home? Like

298

[Tina m Garcia]: what's the struggle with getting

a place of your own? Like what have

299

[Victoria Camacho]: Well...

300

[Tina m Garcia]: you seen people having the

most issues with?

301

[Victoria Camacho]: And unfortunately in this

time frame is just not making enough money

302

[Victoria Camacho]: Just not making enough in

order to purchase the home and it's really

303

[Victoria Camacho]: sad It's really horrible

to even think that way. You have somebody that's

304

[Victoria Camacho]: working really really hard

and Making a good 50 60 70 thousand a year

305

[Victoria Camacho]: and it's still very much

a challenge at that point and then also it's

306

[Victoria Camacho]: it's a lot of

307

[Robb]: Damn.

308

[Victoria Camacho]: It's also about your credit

score. You know, you gotta keep up with your

309

[Victoria Camacho]: bills, you gotta pay your

payments, you gotta build that credit up. You

310

[Victoria Camacho]: have to be 690 and up, where

it's pretty good, where at least you can start

311

[Victoria Camacho]: off with. So again, if anybody

who's challenged in this

312

[Robb]: Mm-hmm.

313

[Victoria Camacho]: market, as much as you can,

save as much as you can, pick up your credit

314

[Victoria Camacho]: score, and talk to your

financial individual. How can I get to this

315

[Victoria Camacho]: next point? What do I need

to do? You know, like I said, Tina, you know

316

[Victoria Camacho]: me very well. I just try

to be hopeful and keep encouraging my clients

317

[Victoria Camacho]: that never stop believing.

It may take a while, but just keep that faith

318

[Victoria Camacho]: that it will happen to you.

319

[Tina m Garcia]: That's true. I know. I've actually

listened to you work. I'm on I go out with

320

[Tina m Garcia]: you all the time. We're always

doing something you're working around the clock

321

[Tina m Garcia]: for people. And I don't think

I would do your job.

322

[Victoria Camacho]: Hehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehehe

323

[Tina m Garcia]: When I leave my work, everybody's

gone, you know,

324

[Robb]: Mm-hmm.

325

[Tina m Garcia]: you're you're getting phone

calls on vacation and you're getting you're

326

[Tina m Garcia]: having to handle things in

a bathroom at a restaurant and you know, I

327

[Tina m Garcia]: I think about what you do all

the time going, I'm glad she's so patient.

328

[Tina m Garcia]: And you are, you're super patient,

or I don't have those. So it's

329

[Victoria Camacho]: Yeah,

330

[Tina m Garcia]: kind

331

[Victoria Camacho]: no

332

[Tina m Garcia]: of fun

333

[Victoria Camacho]: it

334

[Tina m Garcia]: watching

335

[Victoria Camacho]: is

336

[Tina m Garcia]: you work, because I see how

much you put into it. But it's also, man, I

337

[Tina m Garcia]: don't want your job. No. No.

Yeah.

338

[Victoria Camacho]: Hahaha That's okay. Less

religious for me to compete with. I'm okay

339

[Victoria Camacho]: with that. That's a good

thing. Like I told you, I love what I do. I'm,

340

[Victoria Camacho]: you know, there's a lot

of agents out there that are... Sometimes they,

341

[Victoria Camacho]: you know, they just do it

for money. My apologies to all the associates

342

[Victoria Camacho]: out there. But for me, I

look at it as... I guess it's a challenge.

343

[Victoria Camacho]: It's a challenge that I'm

willing to step over. and take your hand and

344

[Victoria Camacho]: again guide you to wherever

you need to be at. It is stressful, it can

345

[Victoria Camacho]: be tiresome especially when

you're repeating and repeating and repeating

346

[Victoria Camacho]: and repeating. A lot of

people just don't think how they want to think

347

[Victoria Camacho]: because it's the media out

there says that it's a horrible time, it's

348

[Victoria Camacho]: a horrible time, and a horrible

time but they don't really tell you all the

349

[Victoria Camacho]: truth in it because again

If you're able to financially do it at this

350

[Victoria Camacho]: moment, anything's possible.

Because your financial is different than Rob's

351

[Victoria Camacho]: financial, or whatever situation

you're in, or how much you

352

[Tina m Garcia]: Right,

353

[Victoria Camacho]: owe,

354

[Tina m Garcia]: right.

355

[Victoria Camacho]: or how much everything.

You got to look at all of that as you individuals.

356

[Victoria Camacho]: Stop listening to everybody,

and there's nothing wrong with just seeing

357

[Victoria Camacho]: how it works. Go again,

find and talk to somebody, talk to me. We'll

358

[Victoria Camacho]: keep going, and we'll keep...

I'll keep answering your questions just to

359

[Victoria Camacho]: hopefully get to you again

to buy a home. So I actually love what I do.

360

[Victoria Camacho]: I do. It makes it worth

it in the end when I give them that keys. Oh,

361

[Victoria Camacho]: I'm so excited. Cocktails.

362

[Tina m Garcia]: She is actually. We go out

to eat and everything. It's like yay they got

363

[Tina m Garcia]: there.

364

[Victoria Camacho]: Uh-huh.

365

[Robb]: So you sell pretty much all over the

valley?

366

[Victoria Camacho]: I do and I've actually gone

as far out as Palmdale, Lancaster, Covina and

367

[Victoria Camacho]: I'm actually working with

a client but right now she's working on her

368

[Victoria Camacho]: credit score right now but

she wants to do something in Riverside. So

369

[Victoria Camacho]: Simi Valley, Moora Park,

you know, I go out of my way. I do leases.

370

[Victoria Camacho]: I do rent, renting. I'll

rent your house or I'll help you find a home

371

[Victoria Camacho]: with rental. I do a little

bit of commercial and some investing. So I

372

[Victoria Camacho]: think I'm full of all tricks

when it comes to real estate. I do all of it.

373

[Tina m Garcia]: Where would you say is the

best bang for your buck in California right

374

[Tina m Garcia]: now?

375

[Victoria Camacho]: Ooh, good question. When

you say California, do you mean just in our

376

[Victoria Camacho]: area or mainly outside of

area,

377

[Tina m Garcia]: No,

378

[Victoria Camacho]: outside

379

[Tina m Garcia]: in California,

380

[Victoria Camacho]: of California?

381

[Tina m Garcia]: like where's the, is there

a place, is there a place that's booming in

382

[Tina m Garcia]: California?

383

[Victoria Camacho]: Um, when you say booming,

okay, so. Like where is it still growing? Or

384

[Victoria Camacho]: is

385

[Tina m Garcia]: Mm-hmm.

386

[Victoria Camacho]: it a question of you're

asking, is it the best place to purchase a

387

[Victoria Camacho]: home?

388

[Tina m Garcia]: Well, I would start with that.

Like where, what's the best up and coming place?

389

[Tina m Garcia]: Like the more affordable housing.

Is there a place that is starting to build

390

[Tina m Garcia]: up? You said something about

Bakersfield, but is that California or is that

391

[Tina m Garcia]: just because of the Valley?

392

[Victoria Camacho]: I would think the reason

why I say Bakerfield is growing is because

393

[Victoria Camacho]: again everybody's going

on the outskirt because they can't find anything

394

[Victoria Camacho]: under 400,000. So if you

stay in LA, San Fernando, you know you're more

395

[Victoria Camacho]: unlikely if you want to

stay under 500,000 you're gonna be looking

396

[Victoria Camacho]: at a townhome. There's still

a lot of homes under 500,000, townhomes under

397

[Victoria Camacho]: 500,000. But a home home,

if you want a home you have to go out a little

398

[Victoria Camacho]: bit So honestly, again,

California is quite high everywhere. So when

399

[Victoria Camacho]: you say bank for your money,

even to me, that's a good question. Because

400

[Victoria Camacho]: again, it goes to what you

qualify, what you have in your pocket.

401

[Tina m Garcia]: Yeah. I, the reason that I

asked is because where, where we live in the

402

[Tina m Garcia]: San Fernando Valley, I've never

seen, I've lived here my whole life. I've never

403

[Tina m Garcia]: seen prices top out as, as

what they did during COVID and even afterwards,

404

[Tina m Garcia]: like you always send the medium

price of a house in the cities that are around

405

[Tina m Garcia]: here.

406

[Victoria Camacho]: Mm-hmm.

407

[Tina m Garcia]: And it blows my mind because

408

[Victoria Camacho]: Right? Mm-hmm.

409

[Tina m Garcia]: they're like record high there.

They're it doesn't even make sense to pay for

410

[Tina m Garcia]: what you're getting at that

price range. And so, you know, and starting

411

[Tina m Garcia]: over being that I'm divorced

and starting over, like where would a good

412

[Tina m Garcia]: place be where the prices are

still low, you're still in California, but

413

[Tina m Garcia]: maybe they're more like up

and coming like, like the boom that happened

414

[Tina m Garcia]: in Lancaster and Palmdale,

like is there another place that this is starting

415

[Tina m Garcia]: to happen?

416

[Victoria Camacho]: Again, you got me stuck

on that one. As much as I would like to say,

417

[Victoria Camacho]: I don't want to be negative

about the market, I don't want to be negative

418

[Victoria Camacho]: about the San Fernando Valley,

but again, it all comes down to you, what you

419

[Victoria Camacho]: qualify for. Because for

you starting off

420

[Tina m Garcia]: Mm-hmm.

421

[Victoria Camacho]: simple and wanting to purchase

something, again, we can still find something

422

[Victoria Camacho]: for you in a townhome or

a condominium, sometimes under $400,000 in

423

[Victoria Camacho]: between $350,000 to $500,000.

And that's usually where a lot of people feel

424

[Victoria Camacho]: more comfortable than the

800, 900,000. Cause if you look in even say

425

[Victoria Camacho]: like Pacoima, when you said

I give you statistics on every week, what city

426

[Victoria Camacho]: I pick, you know, it's,

it's kind of, it's kind

427

[Tina m Garcia]: Mm-hmm.

428

[Victoria Camacho]: of where Pacoima, where

I used to, my grandmother used to live, 800

429

[Victoria Camacho]: to 900,000 still. It's quite,

it's quite an awe, you know, if to everyone.

430

[Victoria Camacho]: It's, it's, it's, it's,

it's, it's, it's, it's,

431

[Tina m Garcia]: It's

432

[Victoria Camacho]: it's, it's,

433

[Tina m Garcia]: insane!

434

[Victoria Camacho]: it's, it's, it's, it's,

it's, it's, it's, it's, it's, it's, it's, it's,

435

[Victoria Camacho]: it's, it's, it's, it's,

it's, it's, it's, it's, it's, it's, it's, it's,

436

[Victoria Camacho]: it's, it's, it's, it's,

It's just different. This is the way I look

437

[Victoria Camacho]: at it. It's just different.

Okay, we're in a different situation.

438

[Tina m Garcia]: Yeah.

439

[Victoria Camacho]: If a lot of people like

to think it's going to crash still. In my opinion,

440

[Victoria Camacho]: and I say I'm and a lot

of people might disagree with me, but in my

441

[Victoria Camacho]: opinion and when I look

at the facts of everything that has happened,

442

[Victoria Camacho]: let's just say even when

coronavirus happened, if it would have crashed,

443

[Victoria Camacho]: it would have

444

[Victoria Camacho]: everything up. Okay, in

this time that we're in now,

445

[Tina m Garcia]: Right?

446

[Victoria Camacho]: in this time that coronavirus

is pretty much gone, everybody is either went

447

[Victoria Camacho]: back to work or unemployment

or the fact that they can't find a job or don't

448

[Victoria Camacho]: wanna go work, things are

still going up. And it's where... It questions

449

[Victoria Camacho]: people. It questions even

me. And again, you just got to keep going.

450

[Victoria Camacho]: Take care of yourself. Do

your due diligence by investigating where would

451

[Victoria Camacho]: you like to go live at?

Where do you think it would be you able to

452

[Victoria Camacho]: survive? And it's a challenge.

It's a challenge. And again, I just try to

453

[Victoria Camacho]: keep the hopeful thinking

that it will. it will be good for some people

454

[Victoria Camacho]: and again it won't be good

for other people. But the market if you look

455

[Victoria Camacho]: again at statistics from

456

[Victoria Camacho]: really compare it to where

it is now. It's different. So where do we go

457

[Victoria Camacho]: from here? I don't have

a crystal ball. I don't. But my understanding

458

[Victoria Camacho]: is that if you do not take

this opportunity, the time that we're in at

459

[Victoria Camacho]: this moment, because they're

saying the interest rates might go into the

460

[Victoria Camacho]: fives because they're supposed

to meet, the federal is supposed to meet, I

461

[Victoria Camacho]: believe either the third

or the fifth of May, and we might go back to

462

[Victoria Camacho]: five. Yeah, I think we would

go back to five. Once that happens again...

463

[Victoria Camacho]: Once everybody gets into

the, oh, in the groove again, let's go ahead

464

[Victoria Camacho]: and get the loan, let's

go search for a property, and then seller's

465

[Victoria Camacho]: gonna realize, oh, people

are out there buying, prices go up. So, it's

466

[Robb]: Mm-hmm.

467

[Victoria Camacho]: really challenging a question

for me because it's just my opinion that...

468

[Victoria Camacho]: It's it's it's hard for

me to tell you where to go because again you

469

[Victoria Camacho]: are the individual It's

up to you what you want to pay and what you

470

[Victoria Camacho]: don't want to pay So hopefully

that answered your question Tina, sorry

471

[Tina m Garcia]: It's okay. No, that

472

[Victoria Camacho]: Hehehehe

473

[Tina m Garcia]: was a good answer. I'm okay

with that.

474

[Victoria Camacho]: I tend to mumble, so I apologize.

475

[Robb]: Yeah, I think, um, oop.

476

[Tina m Garcia]: You did not mumble.

477

[Robb]: Now you're good.

478

[Victoria Camacho]: Okay.

479

[Robb]: You know, I remember the 2009, you know,

the crazy crash. I lived in Vegas at the time,

480

[Robb]: and a friend of mine lived in a private

community there, and there was a house that

481

[Robb]: was like 6,000 square feet that sold

for like 400,000 or 480,000, something crazy.

482

[Robb]: But I have a friend in Rancho, Kukumanga,

who... sold her house, I forgot how many years

483

[Robb]: ago, like four years ago now, and I

think she sold it in the high threes. The person

484

[Victoria Camacho]: Thank you.

485

[Robb]: who bought that house just sold that

house for half a million dollars.

486

[Tina m Garcia]: Wow.

487

[Robb]: And so

488

[Victoria Camacho]: Mm-hmm. Mm-hmm.

489

[Robb]: the market is obviously still there

for people who wanna buy in California.

490

[Victoria Camacho]: Mm-hmm. And you know, you...

491

[Robb]: It's like California is always going

to be California.

492

[Victoria Camacho]: Mm-hmm. Absolutely. And

as you, when you say that, it's the truth because

493

[Victoria Camacho]: if you really think about

it, California is, you're always going to have

494

[Victoria Camacho]: equity. That's what a lot

of buyers are scared of is too, is because

495

[Victoria Camacho]: what if I purchase this

house at this price and it crashes again or

496

[Victoria Camacho]: whatever the case may be.

Well, you as a visual owner, all you need to

497

[Victoria Camacho]: do unless you deciding to

move right away. Just keep up your payments.

498

[Victoria Camacho]: Just keep it up. Just keep

continuing making your payments. Just keep

499

[Victoria Camacho]: watching where the market

is You're not gonna lose. You're just gonna

500

[Victoria Camacho]: you're just paying your

mortgage Now again, if you were to site if

501

[Victoria Camacho]: you purchase the house you're

like, oh, I'm gonna I'm gonna I'm gonna go

502

[Victoria Camacho]: ahead purchases and I'm

gonna sell it in two years then okay Maybe

503

[Victoria Camacho]: that will affect you of

course But if you're there for a long term

504

[Victoria Camacho]: you won't lose and if you

continue to see that over the years with even

505

[Victoria Camacho]: even if you buy your home

within one year to two years, you already have

506

[Victoria Camacho]: some type of equity. This

is California. Excuse me, you have equity,

507

[Victoria Camacho]: you know? So, sorry, sorry

about that. So, it's a fact of how much you're

508

[Victoria Camacho]: willing to pay for it again.

If you continue to rent, you're losing out.

509

[Victoria Camacho]: because you're paying somebody

else's mortgage. All that money that you have

510

[Tina m Garcia]: Mm-hmm.

511

[Victoria Camacho]: rented in five years, 10

years, that right there was your down payment.

512

[Victoria Camacho]: That right there, you could

have already had five years in, or my math

513

[Victoria Camacho]: is horrible sometimes, but

you have equity. You have equity in your home.

514

[Victoria Camacho]: So the timing right now,

again, is... Sellers are still have an opportunity

515

[Victoria Camacho]: and so do buyers. So it's,

I keep saying this at the same time, it's all

516

[Victoria Camacho]: up to you. And if you're

able to do it, if you have the cash, let's

517

[Victoria Camacho]: go for it.

518

[Tina m Garcia]: You know, I remember when we

bought our house when before we got married.

519

[Tina m Garcia]: And I remember that we paid

two 26, six for it. And we, my

520

[Victoria Camacho]: Mm-hmm.

521

[Tina m Garcia]: dad

522

[Victoria Camacho]: Hehehe.

523

[Tina m Garcia]: said, so what'd you, what'd

you buy the house for? And we told him, he

524

[Tina m Garcia]: goes, holy shit. He goes, when

I bought the house, it was like 52,000. And

525

[Victoria Camacho]: Right?

526

[Tina m Garcia]: that was, uh, that was probably

25 years before we bought ours. But then now

527

[Tina m Garcia]: I'm looking at, um, people

that are buying the same type of houses that

528

[Tina m Garcia]: we bought and they're going

first and they're in the sevenths and it's

529

[Tina m Garcia]: in the same area it's the same

type of house may have a few more upgrades

530

[Tina m Garcia]: but because of the price of

everything going up and just inflation and

531

[Tina m Garcia]: everything that it seems like

every generation has to go through the price

532

[Tina m Garcia]: increases and blows my mind

at what houses

533

[Victoria Camacho]: It does.

534

[Tina m Garcia]: are at

535

[Victoria Camacho]: Yeah.

536

[Tina m Garcia]: now. You know, it's, it's,

537

[Victoria Camacho]: Well, think of it

538

[Tina m Garcia]: so

539

[Victoria Camacho]: this way.

540

[Tina m Garcia]: I now understand my father

who was.

541

[Victoria Camacho]: Right? Right? And that goes

for my father too. I, you know, his house has

542

[Victoria Camacho]: paid off and at, and think

of it this way though too. For them, the interest

543

[Victoria Camacho]: rates were higher back then.

They were as high as 15,

544

[Tina m Garcia]: Yeah.

545

[Victoria Camacho]: but the difference was in

that, was that because the prices were lower.

546

[Victoria Camacho]: So, but even if you think

about it that way, they were still struggling

547

[Victoria Camacho]: just as much, because again,

you're paying a high interest rate, but a lower

548

[Victoria Camacho]: home. We're in the opposite

way where we have higher homes. Well, wait,

549

[Victoria Camacho]: right now we're not in higher

homes. We're kind of like at, we're a normal

550

[Victoria Camacho]: market if the way I can

describe it. We are in a definitely home normal

551

[Victoria Camacho]: market. But again, what

makes the difference out of it is that why

552

[Victoria Camacho]: sellers are able to get

more for their homes because there's no inventory.

553

[Victoria Camacho]: When you have no inventory,

you have people and people who want to buy.

554

[Victoria Camacho]: So that's how it comes into

a multiple bid. where they're paying a little

555

[Victoria Camacho]: bit more at times. The other

thing you gotta remember though too,

556

[Tina m Garcia]: Right.

557

[Victoria Camacho]: and I just lost my train

of thought. I was just saying about how it

558

[Victoria Camacho]: used to be. So, okay, so

I have a buyer or I have a client, they want

559

[Victoria Camacho]: to purchase but they just

haven't moved or opened the door yet. According

560

[Victoria Camacho]: to them, they keep thinking,

well, if I purchase a house, I'm worried that

561

[Victoria Camacho]: I will lose. And again,

it goes into my, it goes into saying that if

562

[Victoria Camacho]: you purchase a home, you're

not going to lose if the economy crashes, as

563

[Victoria Camacho]: long as you're able to pay

for it, right? So he's afraid to move forward.

564

[Victoria Camacho]: And it's a hard... hard

decision at this moment for a client who wants

565

[Victoria Camacho]: to buy. Do I do it now and

take this high interest rate and pay some PMIs

566

[Victoria Camacho]: or pay some extra money

off of that, right? Or do I wait? But if you

567

[Victoria Camacho]: wait, you're going to be

paying higher for a house. So which one do

568

[Victoria Camacho]: you do? How do I convince

somebody? this is the time to do it, but I

569

[Victoria Camacho]: understand

570

[Tina m Garcia]: You gotta just

571

[Victoria Camacho]: how

572

[Tina m Garcia]: tell them to do

573

[Victoria Camacho]: strong.

574

[Tina m Garcia]: it when they can.

575

[Victoria Camacho]: And exactly that, but you

know,

576

[Tina m Garcia]: Yeah,

577

[Victoria Camacho]: that,

578

[Tina m Garcia]: with

579

[Victoria Camacho]: but see, that's

580

[Tina m Garcia]: with

581

[Victoria Camacho]: the thinking.

582

[Tina m Garcia]: house.

583

[Tina m Garcia]: with with house buying, it's

never for for being like the buyer we had it

584

[Tina m Garcia]: when we did it. It was not

a good time. It was never a good time. It's

585

[Tina m Garcia]: like how do you come up with

that much money for down? How do you come up

586

[Tina m Garcia]: with everything? But if you

want it bad enough, you find a way to make

587

[Tina m Garcia]: it all work. And real estate

always goes up. It's like the probably one

588

[Tina m Garcia]: of the best ways if you're

going to invest to invest in something because

589

[Tina m Garcia]: you don't have

590

[Victoria Camacho]: Exactly.

591

[Tina m Garcia]: the same issues like you would

with stocks and other things. Like, you know,

592

[Victoria Camacho]: Exactly.

593

[Tina m Garcia]: if you stay in the house or

if you rent it out long enough, the prices

594

[Tina m Garcia]: are going to go, you're going

to get what you, what you want out of it

595

[Victoria Camacho]: Right.

596

[Tina m Garcia]: and you could go and do whatever

you got to do when it's time to retire. Like

597

[Tina m Garcia]: you do what you invest in order

to take care of yourself when you're

598

[Victoria Camacho]: Exactly,

599

[Tina m Garcia]: old.

600

[Victoria Camacho]: exactly,

601

[Tina m Garcia]: So

602

[Victoria Camacho]: exactly.

603

[Tina m Garcia]: make sense to me, you do it

when you can.

604

[Victoria Camacho]: Right, right, exactly. And

what I was going to say to you is like, you

605

[Victoria Camacho]: can never say it's a bad

time to buy, because it's not. It is up to

606

[Victoria Camacho]: you, the individual. Again,

are you able to do it? Do you have the means

607

[Victoria Camacho]: to have the cash and the

down payment to do it? You can't just look

608

[Victoria Camacho]: at it as a down, as again,

what I was saying about how the news likes

609

[Victoria Camacho]: to put out, oh, it's bad

timing, bad timing. No, it's not. you as the

610

[Victoria Camacho]: individual is the one who

has to, might be in a different position than

611

[Victoria Camacho]: somebody else who's struggling.

So, and then also everything you just said

612

[Victoria Camacho]: right now, it's an investment.

If you're gonna invest into a home, that's

613

[Victoria Camacho]: the best thing to do instead

of stocks. Because in reality, if you have

614

[Victoria Camacho]: stocks, what happens when

it crashes? You lose a lot more. With your

615

[Victoria Camacho]: house, you don't because

it's there. It's

616

[Tina m Garcia]: Mm.

617

[Victoria Camacho]: yours. And if you really

think about it, everybody that owns a house

618

[Victoria Camacho]: right now in California,

you are a millionaire. You are actually a millionaire

619

[Victoria Camacho]: because the house is your

property. It may not, you may not see it in

620

[Victoria Camacho]: your bank account, you may

not see it in your hands when you're counting

621

[Victoria Camacho]: dollar bills, but it's there.

And it's,

622

[Tina m Garcia]: Mm-hmm.

623

[Victoria Camacho]: I can't, again, it's up

to you on what you are able to do.

624

[Tina m Garcia]: I getcha.

625

[Victoria Camacho]: I had a buyer who I ended

up helping out too, and they waited like three

626

[Victoria Camacho]: to four years to do it because

they couldn't really push to go do it. That

627

[Victoria Camacho]: three or four years, they

probably would have been in a house, 2,000

628

[Victoria Camacho]: to 3,000 less than when

they purchased it two years ago. So the more

629

[Victoria Camacho]: you wait,

630

[Tina m Garcia]: 200,000 or 2,000.

631

[Victoria Camacho]: 200,000. Three years. That's

what I said. I

632

[Tina m Garcia]: It's

633

[Victoria Camacho]: meant,

634

[Tina m Garcia]: crazy.

635

[Victoria Camacho]: it's crazy because again,

that just shows you how quickly the prices

636

[Victoria Camacho]: have gone up. Right?

637

[Tina m Garcia]: Mm-hmm.

638

[Victoria Camacho]: So yeah, it's, and again,

some buyers that I have, if you're gonna wait,

639

[Victoria Camacho]: you're paying more. And

we, as realtors, we have like a realtor report

640

[Victoria Camacho]: that comes out, every other.

every other month for us and it gives us statistics

641

[Victoria Camacho]: on how much this time from

last year, how much has gone up. Quite high.

642

[Victoria Camacho]: It's quite amazing on how

much when you could about even six months ago,

643

[Victoria Camacho]: how much you have could

be in your home and already earning equity

644

[Victoria Camacho]: in there. So.

645

[Victoria Camacho]: It's something.

646

[Tina m Garcia]: Yes, the things have really

ballooned.

647

[Victoria Camacho]: Yeah, yeah, they have, yeah.

They

648

[Tina m Garcia]: What

649

[Victoria Camacho]: have been.

650

[Tina m Garcia]: what made the prices balloon

like that?

651

[Victoria Camacho]: Well you know what, somebody

told me this once and this is when was it in

652

[Victoria Camacho]: 2008, I'm gonna go back

653

[Victoria Camacho]: oh my god that makes so

654

[Victoria Camacho]: was losing their house,

they were giving

655

[Tina m Garcia]: Mm-hmm.

656

[Victoria Camacho]: them up back to the banks.

Well what is the banks gonna do with all this

657

[Victoria Camacho]: time? What is the banks

doing with them? They're just sitting on them.

658

[Victoria Camacho]: But who's the ones who are

actually purchasing the ones houses that are

659

[Victoria Camacho]: sitting, investors. If you're

an investor, you're gonna purchase that house

660

[Victoria Camacho]: at a lower price because

banks are gonna wanna get all those ones out

661

[Victoria Camacho]: of there and just get them

sold, right? The investors are actually holding

662

[Victoria Camacho]: on to these properties,

which has made the renting price go up. And

663

[Victoria Camacho]: in this time that we're

in still, even though the prices have slightly

664

[Victoria Camacho]: gone down, in the last eight

months, or six months, sorry, six months, you've

665

[Victoria Camacho]: noticed that the renting

has not gone down. It is still steadily going

666

[Victoria Camacho]: up, going up. Because again,

everybody's holding on

667

[Tina m Garcia]: Mm-hmm.

668

[Victoria Camacho]: to what they have. And once

you have everybody that has a need, especially

669

[Victoria Camacho]: when we had a fight, you

have to have a roof over your head. The need

670

[Victoria Camacho]: is there. Which gives the

investors. the opportunity to keep continuing

671

[Victoria Camacho]: to make the prices go up.

Quite challenging again, very hard. Yeah,

672

[Tina m Garcia]: I getcha.

673

[Victoria Camacho]: so I thought that was very

interesting and I truly believe that for sure,

674

[Victoria Camacho]: because if you really look

at the history, that's what happened. That's

675

[Victoria Camacho]: what happened. So that's

why again, encourage people who are renting.

676

[Victoria Camacho]: If you're already paying

4,000, 4,500 a month, why not look into it?

677

[Victoria Camacho]: Why not go ahead and see

if you can qualify in it? Or again, if you

678

[Victoria Camacho]: can't do it now, make the

steps happen.

679

[Tina m Garcia]: That's true. I totally agree

with that. Like renting for me just doesn't

680

[Tina m Garcia]: seem like a smart idea. You

don't get the tax write-offs, you don't own

681

[Tina m Garcia]: anything. You're just paying

somebody else's bills.

682

[Victoria Camacho]: That's right.

683

[Tina m Garcia]: So

684

[Victoria Camacho]: I

685

[Tina m Garcia]: I'm with

686

[Victoria Camacho]: love

687

[Tina m Garcia]: you

688

[Victoria Camacho]: you

689

[Tina m Garcia]: on

690

[Victoria Camacho]: for

691

[Tina m Garcia]: that.

692

[Victoria Camacho]: saying that. That is so

true.

693

[Tina m Garcia]: Hehehehe

694

[Victoria Camacho]: We can just convince the

other

695

[Robb]: Yeah,

696

[Victoria Camacho]: people

697

[Robb]: yeah,

698

[Victoria Camacho]: to just

699

[Robb]: it

700

[Victoria Camacho]: not.

701

[Robb]: is it sucks

702

[Victoria Camacho]: It sucks. It sucks. It definitely

does. It does. But when, you know, people are

703

[Victoria Camacho]: just scared to go into a

home because they don't, they, they don't want

704

[Victoria Camacho]: to do the maintenance. They

don't want to do the, oh my God, I got to pay

705

[Victoria Camacho]: the roof. Oh my God, I got

to pay a new water heater. Oh my God, I have

706

[Victoria Camacho]: to pay, you know, leaking

faucet. They, some renters are just very nervous

707

[Victoria Camacho]: to do that because it is

a big responsibility. It is a huge step

708

[Tina m Garcia]: Mm-hmm.

709

[Victoria Camacho]: because the fear is that

okay I buy this house, what happens when I

710

[Victoria Camacho]: lose my job? Well that's

an understandable thinking but at the same

711

[Victoria Camacho]: time what if you don't?

you haven't so far if

712

[Robb]: For

713

[Victoria Camacho]: you're

714

[Robb]: sure.

715

[Victoria Camacho]: still paying rent. So it's

just a mindset and it's just me trying to educate

716

[Victoria Camacho]: the buyer, educate and give

them all that I'm aware of, my knowledge, my

717

[Victoria Camacho]: experience, the facts that

are in on purchasing a home. And again, that

718

[Victoria Camacho]: is my job to help you. Learn

that. So stop renting.

719

[Tina m Garcia]: I'm totally with you on that.

720

[Robb]: Yeah,

721

[Victoria Camacho]: Yeah

722

[Robb]: because

723

[Tina m Garcia]: Don't do it. Quit

724

[Robb]: what

725

[Tina m Garcia]: doing

726

[Robb]: I pay

727

[Tina m Garcia]: it.

728

[Robb]: a month in rent is out of control and

I'm paying

729

[Victoria Camacho]: Let's get

730

[Robb]: less

731

[Victoria Camacho]: you, let's

732

[Robb]: than

733

[Victoria Camacho]: get

734

[Robb]: what

735

[Victoria Camacho]: you

736

[Robb]: they're

737

[Victoria Camacho]: Rob. Ha

738

[Robb]: renting.

739

[Victoria Camacho]: ha ha.

740

[Robb]: Yeah, well, I mean, I rent an apartment,

so, but even right now it's incredible what

741

[Robb]: they're asking for an apartment. A two-bedroom

apartment

742

[Tina m Garcia]: Mm-hmm

743

[Robb]: is in some places

744

[Victoria Camacho]: Mm-hmm.

745

[Robb]: 23, 2400 bucks.

746

[Victoria Camacho]: Yeah, that's an apartment

747

[Tina m Garcia]: And in

748

[Victoria Camacho]: and

749

[Tina m Garcia]: the

750

[Victoria Camacho]: it's

751

[Tina m Garcia]: valley

752

[Victoria Camacho]: on one

753

[Tina m Garcia]: it's

754

[Victoria Camacho]: bedroom,

755

[Tina m Garcia]: over

756

[Victoria Camacho]: right?

757

[Tina m Garcia]: 3000.

758

[Robb]: No, for a two-bedroom.

759

[Victoria Camacho]: Sorry, too bad, okay. Well,

760

[Robb]: Yeah.

761

[Victoria Camacho]: my poor, my poor, my poor

sweet nephew, they lost their, him and his

762

[Victoria Camacho]: girlfriend lost their job

in December. And it's like, we all had to pitch

763

[Victoria Camacho]: in, try to give them the

money so they could pay rent. But they find

764

[Victoria Camacho]: their jobs, but still, that's

scary. So again, it's, but they're starting

765

[Victoria Camacho]: to think, okay, we're not

gonna rent no more. So hopefully in the next

766

[Victoria Camacho]: year, they're gonna go ahead

and do it because, you know, just paying what

767

[Victoria Camacho]: you pay in the new place

that they're going to go into right now. Because

768

[Victoria Camacho]: they're moving from Palmdale

back over here because it's just too hard for

769

[Victoria Camacho]: the new jobs that they had.

Just for a two-bedroom. 35? I think they said

770

[Victoria Camacho]: 35. Crazy.

771

[Robb]: Holy shit.

772

[Tina m Garcia]: In Palmdale?

773

[Victoria Camacho]: And Palmdale, no, no, no,

Palmdale

774

[Robb]: No, in the valley.

775

[Victoria Camacho]: they were paying, Palmdale

they were paying 28 a month. They're moving

776

[Victoria Camacho]: over here

777

[Tina m Garcia]: Here it's

778

[Victoria Camacho]: 35,

779

[Tina m Garcia]: going to be 35.

780

[Victoria Camacho]: 35, yep.

781

[Tina m Garcia]: Yeah, when

782

[Victoria Camacho]: So

783

[Tina m Garcia]: I was

784

[Victoria Camacho]: again.

785

[Tina m Garcia]: looking for an apartment, because

I thought about doing that, it was over $3,000.

786

[Victoria Camacho]: Yep, yep, yep. A house across

the street that I wanted to get you and Tina

787

[Victoria Camacho]: remember, remember I said,

oh, the house across the street, get a roommate,

788

[Victoria Camacho]: get a roommate. Ooh, I knew

your budget.

789

[Tina m Garcia]: 5,000,

790

[Victoria Camacho]: Nope.

791

[Tina m Garcia]: wasn't

792

[Victoria Camacho]: No,

793

[Tina m Garcia]: it?

794

[Victoria Camacho]: no, that one was going for

46, 46. It's

795

[Tina m Garcia]: almost

796

[Victoria Camacho]: a nice

797

[Tina m Garcia]: $5,000

798

[Victoria Camacho]: house, a

799

[Tina m Garcia]: a

800

[Victoria Camacho]: nice,

801

[Tina m Garcia]: month. I was like,

802

[Victoria Camacho]: a nice house,

803

[Tina m Garcia]: oh, with that.

804

[Victoria Camacho]: beautiful. Yeah, yeah, it

was a nice house and you would have been across

805

[Victoria Camacho]: the street from me. Oh!

806

[Tina m Garcia]: Mm-hmm. Next time, we'll work

on that

807

[Victoria Camacho]: Next

808

[Tina m Garcia]: one.

809

[Victoria Camacho]: time, well next time, next

time. I don't know what my husband will say

810

[Victoria Camacho]: though.

811

[Tina m Garcia]: He'll love it.

812

[Robb]: So

813

[Tina m Garcia]: That's fun.

814

[Robb]: if you had one thing to say to buyers,

both young and old, like what's the close on

815

[Robb]: getting them to take the leap? With

the exception of like, obviously rent's really

816

[Robb]: shitty and horrible. Let's say they

have the money. Is it jump in feet first and

817

[Robb]: say fuck it and just go buy a house?

Or do you still try to position them in the

818

[Robb]: best place to, you know, get the right

price, get the right everything, but still,

819

[Robb]: you know, because look, it's like buying

a car. You always have to give and take on

820

[Robb]: features.

821

[Victoria Camacho]: Mm-hmm, that is correct.

I would say all of it Rob because you know

822

[Victoria Camacho]: You have a relay you I try

to build this relationship with each individual

823

[Victoria Camacho]: Person I meet and one of

my first questions. I asked them. What do you

824

[Victoria Camacho]: what is your goals? Well,

how do you see yourself? When how do you see

825

[Victoria Camacho]: yourself in the future in

purchasing a home? What do you see? What do

826

[Victoria Camacho]: you want? And Once they

start telling me Oh, my dream house would be

827

[Victoria Camacho]: a pool and three bedrooms.

Okay. So I always have that in the back of

828

[Victoria Camacho]: my mind. And once they start

getting like, oh, I don't know what to do,

829

[Victoria Camacho]: or I can't do this, Victoria,

there's no way. You go back to asking them

830

[Victoria Camacho]: that question. Tell me again,

what is your goal? What is your dream? What

831

[Victoria Camacho]: did you tell me that you

wanted? And once they think that like in that

832

[Victoria Camacho]: frame of mind, then just

let's just jump into it. Let's go. Let's get

833

[Victoria Camacho]: you, let's get you going.

Because

834

[Tina m Garcia]: I kinda

835

[Victoria Camacho]: I bit...

836

[Tina m Garcia]: agree with that. I think

837

[Victoria Camacho]: Yeah.

838

[Tina m Garcia]: in life in general you should

always just jump in. Do it! Just do it. I don't

839

[Victoria Camacho]: Yeah.

840

[Tina m Garcia]: know. That's

841

[Victoria Camacho]: I tried,

842

[Tina m Garcia]: just my opinion

843

[Victoria Camacho]: like

844

[Tina m Garcia]: on life.

845

[Victoria Camacho]: I said,

846

[Tina m Garcia]: Ha

847

[Victoria Camacho]: I'm

848

[Tina m Garcia]: ha!

849

[Victoria Camacho]: a person who's, well, I

know you, but, and me, I can sometimes jump

850

[Victoria Camacho]: into things, not always,

but you know, I tend to overthink at certain

851

[Victoria Camacho]: times too, but I try to

put my, I try to put my shoes, how do they,

852

[Victoria Camacho]: how do they say it? I try

to see what they're going through. I try to

853

[Victoria Camacho]: see what

854

[Tina m Garcia]: You try to

855

[Victoria Camacho]: they're.

856

[Tina m Garcia]: walk in their shoes?

857

[Victoria Camacho]: I try to see what would

be the challenge or what wouldn't be the challenge

858

[Victoria Camacho]: for them not to move forward.

And again, it comes back to, again, we all

859

[Victoria Camacho]: need to have something to

look forward to, something to enjoy, because

860

[Victoria Camacho]: everybody works hard. We

work so hard for things. And if you have that

861

[Victoria Camacho]: goal, if you have that situation,

if you have it, You have the money in your

862

[Victoria Camacho]: hands. You can, your wife,

your significant others, your mother, whatever,

863

[Victoria Camacho]: to make this happen, go

for it, just go for it. And I'll be there to

864

[Victoria Camacho]: help you every step of the

way.

865

[Tina m Garcia]: That's right.

866

[Robb]: Now what, let's say I'm the seller and

I'm ready to get out of Dodge. I'm

867

[Victoria Camacho]: Uh oh.

868

[Robb]: done with California.

869

[Victoria Camacho]: Hehe.

870

[Robb]: What's what, what do you do there? What's

your first step? If I come to you and say,

871

[Robb]: I'm ready, I got this house. I know

it's worth, you know, 800,000

872

[Victoria Camacho]: Mm-hmm.

873

[Robb]: in the market right now. And I want

874

[Victoria Camacho]: Mm-hmm.

875

[Robb]: to get out of Dodge. What, what's the

first step? Do I tell you like, I want to sell.

876

[Victoria Camacho]: Well, I would first give

you an idea of how much your house is worth.

877

[Victoria Camacho]: I would do a reevaluations

of it. I would give you again a CRM. Again,

878

[Victoria Camacho]: it just gives you what has

been happening in your neighborhood. And then

879

[Victoria Camacho]: we go through the process

of what's your goals, what you wanna do. We

880

[Victoria Camacho]: also go through...

881

[Victoria Camacho]: Where would you like to

go live at and why again? It's me getting to

882

[Victoria Camacho]: know you So then I know

my direction on how to move forward I get to

883

[Victoria Camacho]: know you and what your wants

and what you're willing to do and what you're

884

[Victoria Camacho]: not willing to do And sometimes

there is some compromise what to do in that

885

[Victoria Camacho]: but again, it's just at

this time It is it's still a seller's market

886

[Victoria Camacho]: put it on the market. Let's

go And then of course, I would help you find

887

[Victoria Camacho]: a realtor in your next

888

[Robb]: And what

889

[Victoria Camacho]: destination

890

[Robb]: do you?

891

[Robb]: And what are you seeing now with houses

selling? Because I'll give you an example.

892

[Robb]: My mom passed away in January and my

brother put her house on the market in Idaho,

893

[Robb]: in a very small town, and I mean super

small. Someone came in with about $24,000 above

894

[Robb]: asking in cash and took it

895

[Tina m Garcia]: Wow.

896

[Robb]: in one day.

897

[Victoria Camacho]: Nice.

898

[Tina m Garcia]: Wow.

899

[Robb]: Yeah,

900

[Victoria Camacho]: We all wish

901

[Robb]: so

902

[Victoria Camacho]: that.

903

[Robb]: I mean, and this was a tiny town. No,

I'm sure, but what I'm saying is like here,

904

[Robb]: where, look, it's California, and people

still want to move here. As much as

905

[Victoria Camacho]: Oh

906

[Robb]: people

907

[Victoria Camacho]: yes.

908

[Robb]: are leaving, they're still

909

[Victoria Camacho]: Mm-hmm.

910

[Robb]: filling the spots.

911

[Victoria Camacho]: Yes. Yes.

912

[Robb]: So are you seeing quick sales still?

Because I mean, I know for a good time, people

913

[Robb]: were just hopping into these houses

super quick.

914

[Victoria Camacho]: Yes, yes. It has slowed

down because again, we're not at since the

915

[Victoria Camacho]: interest rates went up,

it did slow down where houses were selling

916

[Victoria Camacho]: fast. We're still going

into right now we're about 35 maybe 40 days

917

[Victoria Camacho]: depending on the situation

you were in.

918

[Victoria Camacho]: But again, actually what

we're also seeing is a lot of some homes that

919

[Victoria Camacho]: are falling out of escrow

a little bit more as well. least for me from

920

[Victoria Camacho]: what I've experienced in

California. So it again it's still a good time

921

[Victoria Camacho]: for sellers because there's

no inventory and let's just say you want to

922

[Victoria Camacho]: move out of California move

over to another state. I truly believe that

923

[Victoria Camacho]: when you retire it makes

sense for you to move in another state and

924

[Victoria Camacho]: purchase a home because

you you're going to have some retirement coming

925

[Victoria Camacho]: over. You got to be careful

as a buyer. If you're just starting off and

926

[Victoria Camacho]: you still got 20 years,

30 years of working hard, make sure when you

927

[Victoria Camacho]: go out of state that your

pay or your income is going to be able to afford

928

[Victoria Camacho]: it. And the only reason

why I say that is because here in California,

929

[Victoria Camacho]: we get paid more. In other

states, we do not. So it matches up the economy.

930

[Victoria Camacho]: So that's why even though

a lot of people are moving out of California,

931

[Victoria Camacho]: they're actually coming

back to California because there's no jobs

932

[Victoria Camacho]: or they just don't like

the weather. They like our weather better than

933

[Victoria Camacho]: wherever they go to. So

just be careful. Just make sure you have enough

934

[Victoria Camacho]: means if you're younger

to move out of state. When you retire, it makes

935

[Victoria Camacho]: sense for them to go over

there because again, they're having income

936

[Victoria Camacho]: coming in. So that was what

I would suggest for buyers to make sure you're

937

[Victoria Camacho]: gonna be able to pay for

a house out there.

938

[Robb]: Perfect.

939

[Tina m Garcia]: That's true.

940

[Robb]: Are you ready to get a house?

941

[Tina m Garcia]: No. No. No.

942

[Victoria Camacho]: Rob, are you ready to get

a house?

943

[Robb]: No. No. Not quite yet, but

944

[Victoria Camacho]: Okay, talk to

945

[Robb]: maybe

946

[Victoria Camacho]: me afterwards.

947

[Robb]: in the next, maybe in the next year,

I think.

948

[Victoria Camacho]: Mmm!

949

[Tina m Garcia]: So here's the, for me, Rob,

it goes like this. We're gonna talk about flipping

950

[Tina m Garcia]: houses and I'm gonna use Vicki

every chance I get and then, you know, start

951

[Tina m Garcia]: building the final part of

my life. That's what I wanna do. So buying

952

[Tina m Garcia]: houses, I'd like to buy multiple.

Are they gonna be in California? I don't know,

953

[Tina m Garcia]: we'll see how it goes.

954

[Robb]: We

955

[Victoria Camacho]: Yeah.

956

[Robb]: will see.

957

[Tina m Garcia]: Yes,

958

[Victoria Camacho]: Yeah.

959

[Tina m Garcia]: we will.

960

[Victoria Camacho]: We will

961

[Tina m Garcia]: You're

962

[Victoria Camacho]: see.

963

[Tina m Garcia]: out your mind, kid.

964

[Victoria Camacho]: Hello.

965

[Tina m Garcia]: Yeah.

966

[Robb]: All right, any last words for us, Vicki?

Going into the exit of our show, what do you

967

[Robb]: wanna tell the people out there to do?

Give your information, all that fun stuff.

968

[Victoria Camacho]: Well, again, just keep dreaming.

Just keep working on your numbers, you know,

969

[Victoria Camacho]: improve your job. If you

can, if you're able to grow, and don't think

970

[Victoria Camacho]: that you can't, that it

won't happen. Don't think that way. Work out,

971

[Victoria Camacho]: work it out and it will

happen. I am a... would be happy to help you

972

[Victoria Camacho]: guys out and help you guide

you in any way that I can. So if you want to

973

[Victoria Camacho]: get a hold of me, my phone

number, can I give out my phone number? I can

974

[Victoria Camacho]: give out my phone number?

975

[Robb]: You can, if you want to give your business

phone number out so they can get ahold of you,

976

[Robb]: you know, not on your personal phone,

because who

977

[Victoria Camacho]: Okay.

978

[Robb]: knows who's going to listen to this.

979

[Victoria Camacho]: Oh well, you can always

980

[Victoria Camacho]: or you can reach me at my

email which is my first and last name, victoriacomacho

981

[Victoria Camacho]: at kw.com. So it was a pleasure

speaking with you and again, just keep your

982

[Victoria Camacho]: dreams alive. Just keep

it, keep it real.

983

[Tina m Garcia]: And on a side note, if you

do want to buy a home and you are in our area,

984

[Tina m Garcia]: uh, I've known Vicki a long

time. You won't be sorry. So she's kind of

985

[Tina m Garcia]: cool. That's why I keep her

around.

986

[Robb]: Excellent!

987

[Victoria Camacho]: I'm sorry.

988

[Robb]: Alrighty.

989

[Victoria Camacho]: No ready.

990

[Tina m Garcia]: Thanks for watching!

991

[Robb]: And my last words are this, look, I

kind of agree with you. I think you have to

992

[Robb]: follow a dream, whatever that dream

is. So if it's here in Southern California

993

[Robb]: or outside and you're looking to buy

a home, because I think, you know, like having

994

[Robb]: a home is important. I understand, you

know, now that I rent and I'm giving someone

995

[Robb]: $2,000 a month, it would be better to

give it to the, you know, my house.

996

[Victoria Camacho]: Mm-hmm.

997

[Robb]: And on that,

998

[Tina m Garcia]: I getcha.

999

[Robb]: hey, this is an opinion show, so don't

get it twisted. Keep coming back every Wednesday.

1000

[Robb]: Check us out on socials, Facebook, Instagram,

Twitter, hopefully TikTok before this comes

1001

[Robb]: out. And you can check us out on Apple,

Spotify, Google, Amazon, iHeartRadio, anywhere

1002

[Robb]: you can hear podcasts. Until next week,

I'm Rob, and for my co-host Tina, and our special

1003

[Robb]: guest Victoria, thanks for listening.

We'll talk to you later, guys.

1004

[Tina m Garcia]: Bye.

1005

[Victoria Camacho]: Thank you.