The MHP Brokers Tips and Tricks Juggernaut Interview with Podcaster and Multiple Community Owner Andrew Keel

In this episode of The MHP Broker’s Tips and Tricks podcast, Maxwell Baker, president of The Mobile Home Park Broker, interviewed fellow podcaster, mobile home community portfolio owner and industry syndicator Andrew Keel.

As with every Tips and Tricks podcast episode, this one is brought to you by The MHP Broker’s proprietary Community Price Maximizer. Use this four-step system to get the highest price possible for your mobile home park or RV community when you sell it through The MHP Broker. Guaranteed. Call Max for details.

Here Are the Show Highlights:

– Veteran mobile home park owner Andew Keel also runs the Passive Mobile Home Park Investing Podcast as well as running park investing syndications all over the country. (Max, 0:22)

– The current count is ownership of 42 mobile home park communities. Andrew graduated from Augustana University in South Dakota. (Andrew, 1:30)

– Andrew started out in sales after college. He ran a small team that sold websites, business cards and other sales merchandise to real estate agents. From that influence, he started buying, fixing up and flipping homes as a side business. (Andrew, 2:27)

– One day Andrew got a lead on the availability of two vinyl-sided mobile homes for sale in Ocala, FL for just $2,200 for the pair. Figuring it would cost more than that just to manufacture the homes, he quickly resold them to an eager market of homebuyers. He earned $2,500 down payment for each, and monthly payments of $250 for five years. From that point he started watching Youtube videos on how to buy and sell mobile homes. He also met a park owner who educated him on how he could raise investors’ money through syndication in order to buy mobile home parks in quantity at at a quicker pace. (Andrew, 3:07)

– It was quite an accomplishment, going from buying two mobile homes to owning 42 communities in just a few years. (Max,5:16)

– Andrew also takes advantage of a bank investing program known as Cash LEAPS. As a syndicator who might have a few millions dollars accumulated in a checking account, Andrew lets his bank invest it overnight, when he doesn’t need the cash, and have it back in his checking account by first thing the next morning. In this way, he earns significant interest during the time of day when he doesn’t need the money anyway. (Andrew, 6:56)

– There is a fee of about $100 a month for this service, but it’s well worth it. (Andrew, 7:59)

– Andrew cautions mobile home park prospective investors about ways it can cost more to operate a park in the north. He owns a park in Minnesota and another in North Dakota where each home runs on propane heat, and he has to take that into cost consideration during the winter. There’s also snow removal costs which southern park owners don’t even think about. (Andrew, 9:10)

– Eviction laws vary, state by state. In general, red states have fewer regulations, and evictions are faster and easier, and blue states make it more difficult. Andrew mentioned a park in New York State where the judge would give the evicted tenant 90 days to move out, and then grant the party an additional 90 days afterwards, for no additional reason. He tries to buy parks in red states where eviction laws are minimal. (Andrew, 11:35)

– Andrew and Max discussed recent class action lawsuits on large mobile home community chains for price gouging. Andrew isn’t sure that the communities will lose all of these suits, but it will be expensive. (Andew, Max, 14:09)

– Local zoning laws can also make it difficult to move homes into communities. Some say they won’t accept any home older than ten years, regardless of its condition. This creates an added challenge to park owners who want to expand their footprints.  (Max, 15:03)

– Park buyers need to immediately make appointments with zoning officials and find out exactly what they can and cannot do. The local authorities aren’t necessarily in the wrong. They just want to save their larger communities from having a rundown park in its boundaries. (Andrew, 16:00)

– Andrew’s long-range goal is to continue to expand his mobile home park portfolio and to  be able to offer good, affordable housing to those most in need of it. (Andrew, 17:47)

– Once they have a park, they work hard to add value by bringing in new homes and rehabbing existing homes, metering the water, etc. (Andrew, 18:23)

– In his time as an entrepreneur, one of the things Andrew learned is that the number one reason people leave an organization is because they don’t feel valued. Another valuable lesson is to avoid “time suck” activities that don’t add value to the job and just create a drag on productivity. (Andrew, 19:20)

– Andrew has also learned to use people’s names because it has a profound affect on drawing them in. It’s their favorite sound. (Andrew, 20:26)

– And finally, he’s learned to move a little slower, not constantly make deals and to be choosier in the deals he makes. He’s now a more careful community buyer. (Andrew, 21:48)

– You can reach Andrew through his website at keelteam.com. Fill out the online form and make a Zoom appointment to talk shop personally with Andrew. (Andrew, 23:01)

Would you like to expand your mobile home park portfolio like Andrew. Reach out to him at Keelteam.com. Or contact Max Baker at The Mobile Home Park Broker, (678) 932-0200. You can also drop us a line at info@themhpbroker.com.

Power Quotes in This Episode:

After buying two used mobile homes for $2,200 total. “It had to cost way more than $1,000 to build one of these things. So I bought them, got the titles, came home and got on YouTube and typed in ‘how to make money with mobile homes.’” (Andrew, 3:07)

Upon learning how to put together syndicate deals and be the managing partner. “That was the a-ha moment.” (Andrew, 3:07)

“It’s…awesome, being able to provide that affordable housing for people that desperately need it. But also create a good return…for your time and effort and money invested.” (Andrew, 5:30)

“The asset class has been good to us and we have subsequently been able to provide affordable housing units that otherwise would have sat vacant, you know, with the previous owner.” (Andrew, 17:47)

00:02

Hello and welcome to the Mobile Home Park Brokers Tips and Tricks. This is the podcast where we talk about mobile home park investing, because that’s what we’ve been involved in for the last decade. Let’s dive into today’s episode. Here’s your host, Maxwell Baker.

00:22 Maxwell Baker

Hey y’all welcome to another beautiful episode of the Mobile Home Park Brokers Tips and Tricks, podcast. As always, this episode is brought to you by the community price Maximizer. It is our proprietary system that will guarantee you a higher price. When you exclusively list with us four step program, give us a call, as always, but today, I would love to introduce a fellow podcaster, his name is Andrew Keel. He has owned, I think he owns about 40 communities give or take. He might correct me here in a minute, but he went to Augustana, Augustina, I’m gonna butcher that name there, sorry, university up in North Dakota. Started back in 2017 buying communities, has this pretty great podcast called ‘The Passive Mobile Home Park investing podcasts’ and yeah, Andrew, so welcome to the show. You are one of the premier syndicators I don’t know if you do funds, but I know you do syndications for mobile home parks in the country, so yeah, man, I’m happy to have you on the show today.

01:30 Andrew Keel

Maxwell, it’s pleasure to be here. Thank you so much. Yeah, we, since the little bio hasn’t been updated a little bit. We’re currently at 42 mobile home communities owned and one minor correction. It’s Augustana University.

01:45 Maxwell Baker

Here we go, sorry about that!

01:49 Andrew Keel

That’s in Sioux Falls, South Dakota.

01:49 Maxwell Baker

Man, I butchered that big time (laughs)

01:51 Andrew Keel

No, that’s fine. It’s a small Lutheran private school. But yeah, my fellow alums would get after me if I didn’t say it the right way.

02:01 Maxwell Baker

Yeah, that’s my bad. I apologize. So, yeah, tell us a little bit about how you got started in the industry. I know we talked about it previously in another podcast that I did with you but I’d love to hear your story and how you decided to actually think about doing mobile home parks and when you realize you know what, I love this industry and maybe XR rays and just kind of your journey to where you are today.

02:27 Andrew Keel

Definitely and I appreciate you asking. I started out in sales. I was a sales manager, had a team of five reps under me and I sold websites and business cards and branding products to real estate agents. That was my first job out of college and through that, I got to meet a lot of realtors that were also real estate investors on the side. I ended up started like fixing and flipping houses on the side of my W-2 job in Orlando, Florida where I’m from and through that I was mailing out letters, I was doing bandit signs, the whole bit.

03:07

I got a lead on two manufactured homes up in Ocala, Florida. That was about an hour and a half away from Orlando where I lived. So, I went up there and it was a motivated seller, he wanted to $2,200 cash for these two vinyl sided shingle roof homes and I knew nothing about mobile homes at this point. I just knew that it was a very low cost to entry, low barrier to entry there and in that, you know, it had to cost way more than $1,100 to build one of these things. So, I bought them, got the titles and came home got on YouTube, and typed in how to make money with mobile homes. I found a YouTube channel where there was a guy named Lonnie Scruggs teaching these deals on wheels model where he would buy mobile homes, and then fix them up and sell them on contract to an end user. That was like one of my goals, but I didn’t have a lot of capital to get monthly rental income and to become a landlord. I saw that as a path to financial independence. So, I did that with these two homes, and it went seamlessly. It was like the demand was insane. I had like 25 people reach out the first day that I listed one of these mobile homes and I was able to sell it and get $2,500 as a down payment which covered all my costs and then $250 a month for five years when I sold that home. So, it was like a no brainer. I went on to do 19 more of those, met a park owner in the process. He kind of took me under his wing and said, hey, you don’t have to have your own money. You can syndicate right and fragment ownership into an investor pool and you can get a piece for being the operating partner and you know; you can raise money for the down payment and improvements, and you know that’s that’s how I’ve done it and you could do it too. I was like wow that that’s an aha moment! Luckily, I had enough monthly income from these Lonnie deals to cover my monthly expenses. So, I was able to just go all in, I left home flipping, and I just went all in on mobile home park investing, got educated, went to all the seminars and started cold calling owners to try to generate some deal flow…

05:14 Maxwell Baker

Nice!

05:14 Andrew Keel

…and I was able to do so. So, yeah.

05:16 Maxwell Baker

Well, that’s pretty cool. That’s a nice little story. I can appreciate the hustle, man, that’s pretty remarkable to come from like, doing Lonnie deals to owning 42 mobile home communities in a matter of five-six years. That’s pretty damn good, man.

05:30 Andrew Keel

Thank you. Yeah, no, it’s been. It’s been a long journey. It’s been a lot of fun and, you know, we’ve been successful, we’ve learned a ton, we’ve made mistakes and yeah, I think, you know, I know when on my podcast, we spoke that you did some Lonnie deals yourself. It’s a, you know, it’s awesome, being able to provide that affordable housing for people that desperately need it. But also create a good return, right for your time and effort and money invested.

05:57 Maxwell Baker

One of the things I learned from you the other day was the Cash LEAPS that you’re doing, I actually went to Chase and had to go up pretty far up the totem pole to figure out, like, who to talk to, but most people were like, what’s a Cash LEAP? and I recommend it tremendously and I gotta thank to Andrew because as a brokerage company, we have a lot of stuff that comes in and out of our accounts. Correct me, if I’m wrong, Andrew. You might have a better deal than me but, I don’t know, whether it’s like $100 a month and you have to keep a minimum of 25 grand just in order to make it make sense in your account but they give you interest daily, based off of how much money you get in there. So, yeah, how did you figure that out man? What gave you that idea? It’s a great idea for people that have cash to come in and out. Just would love to hear your thoughts on that.

06:56 Andrew Keel

Yeah, no, I’m glad that that worked out for you and you’re able to get that plugged in there. I just I noticed, since we’re doing individual syndications, that, you know, we have a lot of reserves in these accounts that are just sitting in these checking accounts, right and not earning a return. Right and I just, I knew that there had to be a way that we could, you know, create a return on on the money because we have, you know, 40 different projects, you know, at any given time, we have, you know, several millions of dollars just sitting in these checking accounts. So, I was able to connect with our banker at Chase, and he said, oh, you need to talk to the treasury management department. So, I was able to get on the phone with them and establish, or basically, they will, at the end of the business days, sweep out the money in your account, invested overnight, and then put it back in at 9am. The next morning, and generate, I think it’s around 5%, right now.

07:56 Maxwell Baker

They were quoting me 5.1

07:59 Andrew Keel

Yeah, you know, and there’s a minimal fee, like you were mentioning $100 a month or something like that but you’re able to use the money, right, and to run your business, and it’s not affecting during business hours. You know, what, you need your cash flow floor. So, it was like, wait a minute, you’re telling me that if I can do this, you know, I can get a good return on this money that’s just sitting there. You know, the one that we chose was not the one where there’s like risk of losing the capital. It’s like a, it’s like a no risk. US Treasury one. So, it’s pretty interesting. Obviously, it worked right now, while rates are high and it’s a good time for this. But where it didn’t make sense a few years ago, right, where rates are much lower.

08:40 Maxwell Baker

Another thing you posted on your LinkedIn, I thought was pretty cool is if you own mobile, home parks up north, the price of gas and oil and really the price of oil fluctuates, it makes it a little more difficult or not a little bit a lot more difficult to raise rents in the northern part of the United States. I’m assuming you learn that pretty quickly and are now buying stuff here in the south is at least that’s what I’m hoping because that’s where we sell parks (laughs)

09:10 Andrew Keel

Yeah, you know, it really happened. We bought two mobile home communities in Crookston, Minnesota, which is just outside of Grand Forks, North Dakota and if you know anything about that part of the country, it gets really, really cold up there. One of the communities had access to natural gas and it was an older community. The other community was pristine. I mean, paved roads, bigger, lots newer homes, but it had all propane. You know, there was a propane tank for every home. We realized very quickly that it was more expensive to live in the nicer park than a sort of newer park because the propane costs were so expensive, and they fluctuate different times of the year. It’s more expensive to fill your propane tank in the middle of winter, which is unfortunately when most of our tenants run out of propane. and need to refill it. So, you know, we just always look at the big picture of Hey, what is our total, you know, to live in our community? What’s that total expense every month, right, or our ability to raise rents in that other park that has propane is not as high because they’re paying more for their heating costs than it is in the other park that has access to natural gas. So, I think just making sure you’re looking at that as a park operator, and not just looking at like, you know, the surface level is, is pretty important from a investment standpoint.

10:29 Maxwell Baker

Interesting and then do you account for snow removal in your proforma(s)? When you’re buying stuff up there? and if so, like, what percentage of gross? Do you think that is on the expense ratio?

10:43 Andrew Keel

Great question. Yeah, you know, I, I don’t have like a per lot, you know, number and it fluctuates, right from one year to the next but, I tell you one thing, we’ve seen many, many a P&L is from sellers that didn’t have snow removal on there and just to have the foresight to say up, okay, just because you’re doing it yourself, Mr. Owner / Manager, doesn’t mean it’s not a real expense that we’re going to have to incur when we’re managing this remotely. So, you know, adding something in there, which, you know, in North Dakota might be closer to $10,000 a year in, you know, a more someplace like Arkansas, it might be, you know, a 1000 or less per year but, you know, justifying that somehow and making sure you’re budgeting for it is absolutely important.

11:32 Maxwell Baker

How are the eviction laws up north compared to the south?

11:35 Andrew Keel

Depends on the state. You know, I think North Dakota has been good to work with South Dakota has been good to work with Minnesota has not been Minnesota has, you know, leaning more blue, Michigan, leaning more blue, Illinois, leaning more blue. All of those make it a little bit harder to get evictions done. We own one community in New York, and it’s the hardest to evict someone. I mean, you’re looking at a minimum of 90 days and then in 90 days, you could show up to the court and say, Hey, we’re ready to get the writ of possession and the judge can say up, I’m going to extend it another 90 days, you know, we’re just going to extend this for no reason and just extend it a little bit more. So, definitely. It’s a political thing that, you know, there’s less regulation and less than that happening in the red states that we invest in.

12:29 Maxwell Baker

Yeah, and I’ve, there’s an article that just came out, there’s a lot more eyeballs on affordable housing, since we’ve had massive inflation under the Biden administration and gas prices have been pretty high. So, I was just talking to Andrew, before we got on the podcast about his thoughts about this lawsuit that this class action group out of Illinois is suing like some of the nine largest mobile home communities. We’re actually gonna do a podcast on it here in a little bit but they’re suing nine of the largest community’s owners in the country, some of them even public companies, that is going to kind of, it is shaking the industry, it’s going to, you know, DataCamp is taking it in the teeth, Mobile Home Village, Datacomp. So, it’s a little squirly out there, guys and girls, I’m a little nervous about it, but at the same time, I think it’s a wakeup call and I’ll give you my opinion, but I want to hear Andrews opinion here before my opinion comes out.

13:32 Andrew Keel

Yeah, you know, I think I saw something about like, you know, Real Page is another like data provider in the apartment sector.

13:43 Maxwell Baker

They’re getting sued too!

13:47 Andrew Keel

Right. I learned this in, in business law, right? You can sue anybody for anything at anytime

13:52 Maxwell Baker

That’s Correct

13:54 Andrew Keel

So just because they, you know, file a lawsuit doesn’t mean that there’s going to be, you know, obviously, a big judgment against them, you know, maybe they’ll settle or whatever. You know, if you’re a Suits fan, you know, a Harvey Specter fan, and, you know like I was.

14:08 Maxwell Baker

(Laughs)

14:09 Andrew Keel

I watched that, and I was enjoying it, you know, he always tries to, he always tries to settle and figure something out. But these class actions, you know, it can be there’s a sticker shock effect, you know, it’s a little scary, like, whoa, you know, but I think at the end of the day, market, lot rents are higher, and, you know, more sophisticated owners are coming into the space to buy mobile home parks and operate them right? and they need a good return. Now, there was a difference between gouging people, you know, which I think, obviously, is what we’re trying to avoid, and I’m sure the legislation is trying to avoid, but lot rents need to go up. Otherwise, mobile home, parks will keep disappearing and there’ll be more of these parks being shut down because they’re not a good investment and we can tear the mobile homes out of here and just put up an apartment complex but because it has that multifamily zoning. So yeah, it’s interesting.

15:03 Maxwell Baker

Yeah, and the reason why I bring it up is because of my previous comment about eviction laws, or do you think of piggybacking kind of what’s happening in the government right now? Like the mobile home laws as far as like moving homes like, here in Georgia, we luckily had a Senate Bill 384, 383 I don’t remember what it was. It was like a decade ago when I first started. They basically restricted counties able to put Asian size restrictions and year restrictions to allow to move into the county. Is it like that up north? Like, do you have the same type of restrictions on like, age, size, really, it’s just age and size or like aminos? I know, some areas are, are like after the lots been sitting vacant for more than 12 months, they disqualify it. I was talking to an attorney about that recently, but just wanted to get your feedback on what you’re seeing up there.

16:00 Andrew Keel

Oh, totally and Maxwell, I think this is one of the top things overlooked by mobile home park operators when they’re buying a new community is they don’t call they don’t go and sit in the zoning office and talk to the zoning and building officials and say, Hey, we have x amount of vacant lots, and we plan on bringing these types of homes in to fill those lots. You know, what does that process look like? You know, can we see the mobile home code? and a lot of these, a lot of these local municipality people will come to you and say, Oh, well, you know, I don’t know what this looks like, you know, let me get back to you and then you don’t hear from him for, you know, a couple of weeks, and then all of a sudden, you know, you get an email, or you got to follow up with them to get this information out of them. But it’s really important because it’s exactly that, you know, we’ve had in the same state, just a different county have a different process where the homes that we could bring in, had to be 10 years old or newer, they wouldn’t allow us to bring any homes in, you know, that were older than that. It didn’t matter if they were pre-HUD, post-HUD, it was a 10-year age restriction. So that’s becoming more and more common, because there’s, you know, I think bad taste in the mouth of the city councilman and things like that, because an old trailer park with a bunch of old beat-up homes, you know, just as an eyesore in the community, and I think they’re trying to avoid that.

17:24 Maxwell Baker

Yeah, no, I appreciate you expanding on that. Moving on to a couple of personal questions. I’m going to switch from mobile home stuff like, you know, where do you see yourself as a park owner over the next five years? Like, where does Andrew Keel, his podcast, like, what is your goal? Like, I’m just curious, kind of like what you’re shooting for?

17:47 Andrew Keel

Yeah, my goal is to continue acquiring and to be a provider of affordable housing. You know, the asset class has been good to us and we have subsequently been able to provide affordable housing units that otherwise would have sat vacant, you know, with the previous owner. So, it feels good to be able to increase that supply but, we’re not like we don’t have a fund. We do individual syndications, we’re very opportunistic buyers, you know, this year, we’ve probably done five deals, which is, you know, we feel really good. You know, in 2021, I think we did 12 deals. So obviously…

18:22 Maxwell Baker

Wow!

18:23 Andrew Keel

…you know, less than half the number of transactions, but you know, they’re good deals that are value add that we’re able to come in and, you know, add a bunch of value through submetering, water, sewer, filling vacant lots rehabbing old, empty homes, and doing common area improvements to get these things to over a 10 cap right by the end of year two. So, if you can do that, we’ll do the deal and I think that’s what makes us different. So, there’s not like a number goal. There’s not an income goal. It’s like, hey, we’re going to be opportunistic, we’re going to find good opportunities. I’m doing this because it’s fun. I’m not doing this, you know in the beginning, I had big, audacious goals of assets under management and things like that. But now, it’s fun, I’m able to provide for a big team of people that I love dearly, and, you know, work very very hard alongside of me, so, yeah.

19:13 Maxwell Baker

Nice, man. I appreciate you sharing that. What are the top three things you figured out being an entrepreneur? Since you’ve started?

19:20 Andrew Keel

Oh, man, top three things. I just post how to post on LinkedIn earlier today on this actually, I guess one, one of the big things would be the number one reason why people leave organizations is because they don’t feel valued. You know, I have that written on my desk, like right underneath my keyboard, and I see that every day. That is a big one because people don’t leave good managers, right, like people leave because they’re not feeling valued. So, just making sure every employee that I talk to them, I’m letting them know, hey, I noticed you did blank, and you matter, you know, thanks for doing that. So, that’s the big one. I would say, you know, focus is so important, you know, instead of creating to do lists, I started once a month reevaluating, say, what’s my not to do list? What’s my do not do list, right?

20:06 Maxwell Baker

I love it! (laughs)

20:07 Andrew Keel

Things that I need to avoid doing because it’s like a time suck. Right?

20:11 Maxwell Baker

Yeah

20:12 Andrew Keel

So that’s been a big one. This is something kind of out there but I listened to a podcast on this recently. People’s favorite sound, Maxwell is their name. So, when you use people’s names, it has a profound effect.

20:26 Maxwell Baker

I love that!

20:26 Andrew Keel

It helps build rapport and yeah, so like something so simple with within a business or even with your, your customers, or your potential investors, like that’s been important and then I know I’m going to be on three here, but active listening is so so important. You know, what I hear you saying is blank, you know, do I have that right? and letting them respond back and forth. So, just a couple of little tips there of like, you know, how I’m trying to be a better person. I’m not perfect at these things but, I just have them literally, on sticky notes on my monitor, so that I’m seeing them and being reminded of them and trying to use them more.

21:03 Maxwell Baker

Andrew, you just taught me something. So, I’m going to start using your name even more now. I love it, man. That is a great one. I love it. Never heard that one before, Andrew. So yeah, I’m definitely going to be using that. Now. I’m gonna ask something here. If you had to do it all over again. What would you do a little bit differently?

21:22 Andrew Keel

Well, if I had to do it all over again. Wow, I would grow a little bit slower. I would be more. I would be, you know, choosier on the deals.

21:33 Maxwell Baker

Slower?

21:34 Andrew Keel

Yeah, the deals. I think, you know, when I first got started, I was like, all gung ho, like, you know, every deal, you know, I was just, it was new to me, right? and it was like, oh, my goodness.

21:47 Maxwell Baker

Yeah

21:48 Andrew Keel

I feel like a lot of newer syndicators when they realize, hey, this is like a business. This is a thing that like you could do, you can use other people’s money to buy assets and build wealth and, you know, most people wait till the end of their lives to invest. Right?

22:00 Maxwell Baker

Correct

22:01 Andrew Keel

To build the whole business around it, which is so awesome and so rewarding. But yeah, bought early on, you know, the first two years of doing this bought some deals that I wouldn’t buy today. Right? and like, they’ve been taking up a lot of our time, from a management standpoint, just because there was nuances about them that now I know. Okay, I won’t be buying another park that looks like that. Right? Yeah, going a little slower and just being more strategic.

22:31 Maxwell Baker

Got it. Interesting. Okay. I think that’s all the questions I’ve had here, man, if people want to invest in what you’re doing, or get a hold of you, what is the best way to get ahold of you, or get in touch with you to see kind of your offerings?

22:46 Andrew Keel

Yeah, if they’d love to get in touch and just talk shop, I love talking mobile home parks, I chat my wife’s ear off. So, if you want to, you know, help out with my, you know, situation and give me somebody else to chat mobile home parks with, my wife will thank you!

23:01 Maxwell Baker

(laughs)

23:01 Andrew Keel

You can reach out on my website. It’s keelteam.com, just my last name, and then team like a basketball team.com fill out the contact form, we can set up a time to chat or do a zoom call, and we’d love to get to meet you and talk shop.

23:16 Maxwell Baker

Nice, man. Appreciate it. One last question. I forgot about, what are you reading right now?

23:21 Andrew Keel

Man, I’m reading the coolest book. Let me pull this up. It’s called, I want to get it right ‘For you when I am gone’. It’s basically on writing an ethical will for your kids, for when they are adults and it’s like 12 questions that you know, you will answer to write an ethical will, you know, a will like outside of money of what you want to leave. For your kids. I have three little ones and I’m just legacy is one of my core values. So, I just think a lot about that and, you know, we could die tomorrow, Maxwell, you get hit by a car. Something crazy could happen. So, I’m just want to, you know, try to help my kids out as much as I can.

24:09 Maxwell Baker

You can man you were not guaranteed anything is a true Stoic theory really kind of their premise everything that Stoicism is about so if you think about death regularly, it kind of helps you make the decisions that make you the best human being you can be while you’re here right?

24:26 Andrew Keel

Amen, brother. Yeah, life’s short.

24:29 Maxwell Baker

So, hey, all like I said, if y’all want to get in touch with Andrew give him a shout. He gave you the specs. As always, if you need to get in touch with me, you can give me a call at (678) 932-0200 and as always, this episode is brought to you by the you got it, the Community Price Maximizer it is our proprietary system that will guarantee you a higher price. When you exclusively list with us. I just gave you the phone number. So, let’s all thank Andrew for joining us. Give him your money. He knows what he’s doing. He’s got 42 deals under his belt. I asked some pretty good questions for him to answer, and he answered them great. So, give him a shout and like always, let’s keep moving forward!