you said when when you spoke to your friend who recommended to you that you had ten thousand dollars yeah and so a lot of times when people hear NACA yeah and they had no down payment they think oh you need no money yeah that's not that's like that's like one of these misconceptions like oh it's no money down my credit can be 620 but you need you need money to be in the program I mean you talk about any any mortgage that you're going to get you're going to have things you have to pay for taxes Insurance like all of those kind of things in addition to that NACA wants you to have a specific amount of money saved up me I personally try to tell people save about three and a half percent of the loan amount that you're looking for because that covers your taxes insurance and it should cover you know what I mean the um the cushion of a few months they require you to have as well because what they don't want to happen is for you to be house rich and cash poor because a lot of times what tends to happen to people is they'll you know pay their down payment fees all of those different things you came out of 20 25 000 or whatever the case Mark you've just spent 30 years of your life saving this money now you just gave it away now you have this house and when something goes wrong with this house or roof issue a plumbing issue and you don't you can't fix it you don't have the money to fix it and they don't want you to do that so they set you up to where you have money they set you up to whereas if you go get a multi-unit you got cash flow coming in because they make sure the numbers fall right all of those different things and this is why I love them because they protected me throughout the whole process there were times where contractors try to do foo foo or just different stuff and that could just like rant interference on all that like no we're not going for that at times like somebody to try to sell you a for you in the building but the building is only zone for three units in a garden unit or the basement unit will be like illegal but will you know they gonna go do they do diligence and you know what I mean like check you know City Records and all that make sure all this stuff is owned and approved correctly and a lot of times like it don't and they protect you from all that stuff man even in your own personal right like I was reading that they they'll check your patterns right yeah they'll check your rent patterns they'll check your savings patterns so it's not like hey then look at how much you were paying how much you make and they'll say well that money could be saved so having that as an important like system makes sense right because it's like you don't want to make sure that you don't want to have it where I say 500 then I save nothing for three months and I put three thousand they're watching that history to make sure that they can making sure you got good good money spent like good money habits like and this is like and it's it's not bad like you should want to have good money to happen you should appreciate this kind of training like okay I need this because I've been not disciplined for the longest amount of time and now I have somebody challenging me to do better why wouldn't you want that so they'll prove you for you come with your information they put it in the system they say okay you're based off of what we think you you could get a 200 000 more you know if you're going for a single family home yes but that's not how it works with multi-units okay with multi-units how it works is even with NACA so they have limits so with a single family home which is these are examples it depends on what area you're in they'll give you a Max so let's say a single family home they might give you a Max 200 000 two units they might get you a Max of 350 three unit they might get you a Max of 600. on a four unit they'll give you a Max of like 900 950 or something like that so for me I'm like why not Max out and go crazy if I'm trying to go get me a rental property I'm gonna get four units the four units are gonna make sure I have a place to live for free is going to make sure my mortgages paid on top of still having some money at the end of the month is cash flow so I'm gonna do that on top of that it's gonna allow me to go for a bigger mortgage which is going to put me in a nicer neighborhood you know what I'm saying um in addition to that if I go find a four unit in a nice neighborhood that means the rents are going to be high you know what I mean because that's just what it is when you live in nice neighborhoods you got higher rents and the apartments are nice so how NACA qualifies you or lenders qualify you in general for multi-units is totally different than they do for single family homes a single family home you're qualified strictly using your income when it comes to multi-families and this is why I tell people go find you a multi-family that has people living in it already because what they do is they'll take 75 percent of the income that the property is generating already added to yours and that is what makes the property more than affordable for example this is what I like to tell people so let's say you make two thousand dollars a month at your job right and the mortgage on this property you're looking at is three thousand dollars of course you can't afford it you're a thousand dollar short but let's say the property that you're looking at also generates four thousand dollars a month in rent they'll take three thousand dollars of the added to your two thousand now that's five thousand subtract 3 000 from that now you have two thousand dollars left over at the end of the month which makes this property way more than affordable on top but they only use 75 of the rent they're still 25 that's still there you get what I'm saying to you so like that's that's how the multi-unit math works and people don't understand that and they're like I can't afford a multi-unit it's so expensive how did he afford a multi-unit only making 26 000 a year because I understand how multi-unit math works and I wouldn't found me property that had high rents and cash flowing already and all I had to do was pretty much sign the paperwork to move in so you found the property yourself didn't apply for the program right so does it when you apply for it does it have to be primary residence how does that work yeah so you do have to live in a property um for the life of the loan but NACA has a five-year lien on the property um because they're not designed to you know create investors they're designed to balance our neighborhoods so they want you to live in a property and for the first five years you have a 25k lien on it every year drops off five thousand dollars so after the fifth year you probably like cleaning free to go do whatever you need to do whether it be refinance or whatever the case may be and um at this point my first one I've been in it for eight years the second one has been five years so now I'm kind of like free and clear to neckline and I can kind of go move around how I want to um but it's just like I'm set up to the point where now I can pull Equity out of my properties NACA set me up to the point in the beginning on my first deal we ain't even talk about this but my first deal was Immaculate um I got a four unit property I moved in so I lived for free all three units you know I mean were uh pan rental already I didn't put any money down I walked away from the closing table with a five thousand dollar check that same day I got paid from my job in addition to I kept all of my money because I was going through the process and they required me to keep saving so that ten thousand turned into fifteen thousand so I went from making about twenty six thousand dollars a year at my job to having twenty six thousand dollars in cash in my account after my first deal which allowed me to go start investing in the stock market you know what I mean doing more deals traveling networking building business meeting guys like y'all and that just came from that first deal and this is why I try to encourage people to go through NACA because they set you up so beautifully after the deal it's like damn I still got all this money left the average person they out of what ten fifteen twenty thousand dollars on the deal with FHA you know what I'm saying like it's not that with NACA yeah I had to spend actually I didn't spend nothing but you may have to spend a little money like I said your taxes insurance and little stuff like that but man it's nowhere near the same it's with a conventional FHA foreign