question is going to be what is a knock alone uh very basically is alone funded by Bank of America through neighborhood assistance corporations of America which is what NACA stands for and anacalum is a loan that uh gives you a loan depending on the property type up to a certain amount of money like four units you get a certain amount of money Max three units you get a Max two units down to single family homes or whatever the case may be but they give you these loans with no money down no closing costs the lowest interest rates in the country in addition to the lowest interest rates in the country you have the option to buy it down lower and they give you the lowest interest rate in the country regardless of what your credit score is so they don't necessarily go off your credit score they go off your credit profile you know I mean like you know your rent history things like that make sure you don't have any um negatives and collections you know that kind of stuff so it's a really really great program for people who are just now getting started who may have low income yeah don't have the best credit or whatever the case may be and it's not only for those kind of people but it works best for those people so um for first-time home buyers this can be this can be a product they can use oh man a product they can use to not just buy a single family home but a multi-family home up to four units and even do a mixed use whereas you can have a storefront and apartments at the storefront like if you have a business a barber shop a clothing brand a beauty salon any of that kind of stuff you can actually use it to go and get you a storefront for your business and a place to live and still be able to rent out some of the units okay so you just answered all my questions and that short sentence so we gotta we gotta hold on so let's just go through the uh qualifications for this I know you mentioned that already but I kind of want to have it where it's like you know you can go through this and kind of have in sections so qualifications for a knock alone are what exactly are two years tax history two years tax history three years work history of course bank statements um I think the minimum credit score that they require didn't used to be a thing but now I think it's like 6 20 60 620 yeah I believe it's 6 20 at this point um in addition to that um yeah I think that's it man like the standard to qualify for a mortgage with anybody use the same stuff you got to do with them and uh when it comes to employment you have to be two years same w2w2 so if it's not at the same company they will be okay with you transitioning in the same field right for more pay you know what I mean if they if they see that you you know transition to get a higher pay grade right they're fine with that but if you just switch jobs and you went to a whole nother you know what I mean yeah field and all that stuff they all started over from where you you know start your new job up okay so then how much money do you need down for um for for to buy a house with an alcoholic well you don't need anything as a down payment but I tend to tell people to save up about three and a half percent of the cost of the property that you're looking for because you are going to have certain things that you have to pay for you know at the closing table your taxes your insurance things like that and also NACA wants you to have what's called a payment shock or a significant amount of money saved up for a cushion so when you do close on your property they don't want want you to be house rich and Cash 4 and mg talks about that all the time because a lot of times when you go through different programs and different lenders you'll spend all of the money that you saved up on fees closing costs and all of that stuff now you have this house or property or whatever the case may be and then as soon as something goes wrong now you upside down can't get it fixed you messed up because you don't have the cash to take care of you have an established business credit just any of these kind of things to whereas you can kind of make sure that you're going to be okay regardless of what you know I mean circumstances may arise and That Could set you up to be able to handle all of those situations so yeah they don't require you to put a down payment or any of that stuff but they do require you to save up a cushion to make sure that you're protected you know I mean on the back end after you do close so with that with that cushion of money saved up total how much should you have um just to be prepared um so on my first deal I started off with 10 and as I went through the process you know they still require you to save money you just don't stop there you still are required to show that you're saving the same amount of money every month so by the time I closed I ended up with fifteen thousand dollars in my account but I didn't use any of it I actually walked away from the closing table with money oh wow yeah okay I kept all of my money and they gave me some money well all right so yeah I'll ask that later get some more information about that um okay so now what are the interest rates look like with these kind of uh with these kind of loans so with NACA they guarantee you um a lower than the national average interest rate regardless of what your credit score is which is one of the major benefits to the program because if you know anything about interest rates interest rates can drastically drive up the cost of your mortgage your monthly payment and just extra money that you're paying over time to the bank all of those things and um NACA really tries to set you up like I said to whereas you're well off to the point where they give you the lowest interest rate to get your mortgage payment down yeah where you will always be able to afford this okay okay like so for me on my first one I got a two and a half percent interest rate then on the second one it's a 0.8 interest rate which is essentially free so on the second one I just made a video about this on my page I gave NACA seventy thousand dollars up front to buy my interest rate down but that seventy thousand dollars it saved me 4 hundred thousand dollars over the life of the law wow yeah so like that would have been an extra 400 Grand that I just would have been given to the bank of Interest right right which now I can you know I mean comes back into my pocket I can reinvest go buy more property et cetera and two it made my mortgage way more than affordable and allowed me to cash flow on this property as well so not only did it get my interest rate down but it got my mortgage payment down it kept my rents high and it generated you know cash flow because that's money that I'm not necessarily paying to the bank and that's just coming back to me so when you do this kind of loan do do um does it have to be like a primary residence or it can it be an investment primary residence so NACA requires you to live in the property for at least the first five years and they even have a lien on the property of twenty five thousand dollars but every year that you live in a property five thousand of that drops off so after the fifth year you can kind of like go refinance do whatever it is that you want to do to kind of like you know move on with your investment Journey or everybody doesn't do it to become an investor some people do it just to you know I mean have a free place to live with whatever the case may be but but me personally I want to do it you know what I mean like so I've been in my first one for eight years the second one has been five years so now I can go and do whatever I want to do with either one of those properties and the equity in those properties but as me and Matt talked about previously I had issues because I wasn't filing my taxes the right way so I'm just now able to go and pull the equity out of my properties to go and reinvest into more buying holds and different things like that um so that's a that's another thing like not gonna make sure that you're buying into Equity you're not like upside down they won't let you do a bad deal they won't allow it right so this is not you can't use this is not like an LLC situation has to be personal no so but the thing is this is what I did after I closed I set up a business structure for it you know I do have an uh incorporation for both of my properties or whatever the case maybe because I operated and run it like a business you know what I mean yeah so you don't buy it in your LLC but you operate it as such and is there um is there any type of property that you can't get with this kind of law I mean yeah commercial just commercial yeah you can do mix use like I say anything residential up to four units is allowed with NACA okay um and what about the loan terms for this 30-year fixed 30-year fixed and it's and it's crazy because people think that it's like some type of special it's a conventional loan right now conventional loan okay uh Matt's looking at me he's like so um Lauren brother Lauren all right so one of the biggest things with this kind of loan is that I always hear about this is how long it takes and how tedious it is so what can you do to be prepared to make this this process easier for you uh have your documents all the way in order and be ready to you know stand up and fight for what's yours because at the end of the day these people it's not their job to do you any favors you know I mean right there they're like you know what I mean kind of execute you know I mean what they supposed to do to get you your loan approved so anything as far as you following up maybe resending documents all of those things those are things that you're gonna have to do and like get out your feelings because a lot of times like when I first started with NACA like I would be in my feelings like man I sent you all those documents already why y'all asking me for this again is this a part of the mortgage process like if you understand how the mortgage process works if you understand how home buying if you just understand how dealing with big money works it's not just ever a quick process that won't ever be that so more than anything you have to have your documents in order like I say yo yo tax documents your your check stubs your bank statements and these things have to be turned in on time to them when they require them a lot of times that's what holds people up and not to just blame everything on the person because sometimes it's not gonna mind you these people are understaffed and way overworked and like I tell people all the time I'm doing all of these shows stages platforms screaming from the mountaintops go get an act of property y'all go get an actor so now there's an influx in the NACA program of people trying to get properties and they're not hiring more people mind you because they're a non-for-profit so they don't have a big budget to go out and just hire a bunch of people Etc so if you can be patient you can be successful but if you're trying to move in the next three months I wouldn't suggest you going through the [ __ ] program because all it's going to do is frustrate you and a lot of times when people are going through these processes they operate in their feelings and you can't do that you have to be a logical person when it comes to this stuff like and you have to also put like entitlement and selfishness to the side it doesn't work on your time or when you want it to like man once everything is cleared through the bank through the underwriter that's when things will go but until then understand patience understand this is a process understand I'm going to do everything that I need to do in order to make this work and then I'm going to leave the rest up to God because outside of that what else can you do right you're going to be mad you're gonna be frustrated you're going to be angry like you're gonna be in your feelings all the time because things ain't going how you want it to go and that's just not how this stuff goes so you said three months right you shouldn't like you should probably three months six months man I would and it can happen in that time frame but I just wouldn't have expectations to happen right I'm putting nine months to a year nine months nine months to a year if you get it before then you did great but the standard is going to be nine months to a year for sure and that's and that's not just NACA because you have to factor in the searching process you know you get a property contract you got to go through the inspection appraisal all that stuff takes time in addition to that you're not going to get a contract on the first property you make an offer on most times you know what I mean so you're going to go through the searching process offering getting denied like getting outbid by cash buyers there's a whole process to this stuff that people really don't understand that's why I'm saying remove your emotion from it because you get so caught up in the Aesthetics like oh my God I love the house that's my dream house now somebody with a million dollars cash is swooped in and like took it right from under you and you mad because you fly oh well they did this to me like nobody did anything to you that's just the nature of the business right and most times people don't understand that so is there any limits to how much money you can like how much the house can be with this kind of loan also no not really it just depends on the area in the neighborhood so like in a place like New York I think y'all got a limit on four units or like 1.5 million dollars like you know what I'm saying like you can go pretty high it just depends on the property type single family homes are way less you probably get three four hundred thousand for a single family home you might get 500 for a two unit you might get 700 for three that's why I tell people like man max out go with a four unit because they don't only qualify and you get scared because like I can't afford a one million dollar mortgage like you can because the way lenders qualify you is not the same way they qualify you for a single family home that they do for a multi-unit right and when you do go for a multi-unit go and find you something where the property is already generating income because what will happen is the lender is going to take 75 of the income that the property is already generating add it to your money which will then make the property more than affordable and the best example I like to give and I give this same example all the time yeah so let's say you make two thousand dollars a month at your job right okay and the mortgage on the property that you're looking at it's a four unit it's three thousand dollars no way you could afford it you're a thousand dollars short on top of having to pay expenses like bills gas bills all that stuff right but let's say the property is generating four thousand dollars a month in rents so the lender will take seventy five percent of that which is three thousand dollars Okay add it to your two thousand dollars so now you're making five thousand dollars a month with a three thousand dollar mortgage which leaves two thousand dollars left over that's more than affordable for you also what they're doing is taking the the money that you're gonna make Technically when you purchase the house just a portion of it you still have 25 that they're not even factoring in right that's crazy and most people don't know this which is why they think they can't afford a multi-family because their thinking is based on their money alone and it is if you're gonna get one that's empty right but the cheat code is going to find something that's already cashed on you know how many older landlords or people out here who are trying to get rid of properties they're tired of and people are going through divorce they just want to get rid of their property just so they can you know get out of this situation like yeah there are a ton of those situations going on but again you just have to be patient like everything is about patience right most times people end up in a situation that they look back on regret have buyers remorse and all those things because they didn't exercise patience they didn't wait for like what God really had for them they were so anxious and wanted to be you know flicking it up for the grams like I just bought a property y'all just like like honestly you just you just missed your blessing because you were Russian you know I mean but if you actually patient and you can understand how to run the plate the right way you can really set yourself up because bro in three years from 2015 to 2018 I accumulated one and a half million dollars worth of assets through the NACA program cash flow was able to not have to go back to the workforce started businesses a clothing brand uh but I'm a author like you know what I'm saying I'm speaking on every stage every podcast it's just like bro like just one property can do that for you if you do it the right way and not get so caught up in image but just focus on numbers and actual cash flow and the things that make sense to your bottom line most people don't do that though they're so caught up in image right right um and is there any type of insurance uh PMI with this oh that's what I'm saying that's the sweet part about it like you don't have any of those excess fees so what I tell people all the time closing costs typically add up when you factor in your down payment your agent fee your attorney fee your origination fee your PMI probably somewhere on the high end 10 12 roughly Matt right for white PMI no just for just overall fees in general oh probably like five five six percent yeah so overall fees once you factor in your down payment fees most times three and a half percent you got your origination fee your agent gonna get a fee like all of these fees add up and money that you're gonna have to pay out at the end yeah you know what I mean so like if you can avoid those that's how I was able to like at the end of everything I kept I had a bag because I'd have to pay all of those fees most times you're paying that out right you know and down payment you're paying it out to an attorney you're paying out to age you're paying it out to the lender who's originating New York because they got to get paid off your [ __ ] too like just everybody got to get their money and NACA kind of like takes care of that for you so there was this video that you were talking about earlier um that you walked away from the closing table with a five thousand dollar check and you kept your fifteen thousand dollars down right so how are you able to do that uh because like I said the program doesn't have a down payment requirement so there's no down payment right in addition to that you can get what's called a seller concession when you are purchasing a property so you can pretty much ask the seller for money you don't mean at the closing table to help you with closing costs me I didn't have any closing costs my agent nor didn't have any closing costs so we were just going to use the money to buy the interest rate down so we asked for a fifteen thousand dollar closing credit we use ten thousand to buy the interest rate down and then there was five thousand dollars left and that five thousand came back to me NACA doesn't allow this anymore for you to walk away with cash on the table anymore but that particular deal I was able to at the time because like I say they had gave all this excess money it was like all right cool where the extra money going it goes to the buyer because that's what they gave it to is there any other fees associated with this at all that I mean so NACA has a membership fee it's like 30 40 a month or something like that as you're going through the process but honestly I can't remember paying that fee like that and then once I closed I never dealt with NACA again my relationship is between me and Bank of America because that's who has my mortgage so I'm sending my money if anything going on with my mortgage that's who I reach out to like you know what I'm saying like I don't really communicate with NACA unless it's like for me to be like you know doing something social media wise or you know I mean something like that if I want to collaborate with them but outside of that like I'm not communicating with them about my mortgage or like any of my property anymore okay so a lot of good information there um answered all my questions now the real question is how are you able to go from one from one home with this loan to multiple or even be able to live and free in your situation okay so in my situation I was already living room free because it cash flowed enough to whereas like my portion of the or what so the property was generating enough money to cover the mortgage and the bills and it was steal money left over pretty much with me living there and over time it's been eight years I've increased the rents over time constantly in years I didn't probably gave myself probably a three thousand dollar raise you know what I'm saying right so it's like but also over time you know taxes and insurance go up too so that kind of eats away at that so like I said initially when I first got the property I was Cash flowing probably five or six hundred dollars a month now I'm cashing on seventeen hundred dollars a month I made improvements to the property like I say I've gone up on the rents because of the improvements of the property and also because of inflation and things like that so it allow me to live for free and cash flow because I have these fixed low interest rates and I bought at a great time at a great price so you have multiple properties so the second one I took my girl back the whole divide and conquer thing again y'all hear Matt talk about this all the time yeah yeah and we got a second one and with this one I really milked the program because I knew how to qualify for bigger loans and you know I found out that they will Max you out at 950 000 depending on if it's a four unit in Chicago 950 000 can get you in a really really nice neighborhood so I was able to purchase in a neighborhood called Bucktown Wicker Park which is probably one of the top three neighborhoods in the city right now okay um and with this one I purchased it in a gentrifying neighborhood called humble park it used to be like a very like strong Puerto Rican neighborhood but like I said it's gentrifying so the person who sold us the property was an older Puerto Rican guy but he was also a developer and he was the person who kind of like built the place up he bought it for dirt cheap Fix It Up made it really nice and it's a four unit but one of the units is a house so there's a three unit building in the front and then there's a house and it's not a regular Coach House y'all call them adus right here he laid it out like I said 12 foot Comfort ceilings like floating stairs cherry oak floors just like he like went crazy with the finishes that's why I'm able to do so well with repair space because of the house right um and he wanted to do a deal with us like I said because so many like you know white investors and people were coming in lowballing him and he just didn't like the numbers that they would offering him so when a young black couple came in he's like I will give y'all whatever y'all want to get this deal closed because I did really well I bought this property when it was Dirt Cheap you know what I mean now it skyrocketed in value because the neighborhood has changed so I'm I'm able to get y'all whatever y'all want so we told him we needed forty thousand dollars and and sell his concessions he was like say less so he gave us that our poor money that I had out of the stock market and had a savings she had her down payment and we worked the play bought the interest rate down from three and a half percent to zero point eight percent bought some of the principal down which made the mortgage way more than affordable which also allowed us the cash flow off the three units again and and and with that one I'm not able to be on the mortgage because you can't go through NACA twice right right but again there are legal ways that you can become an owner after we closed we went to an attorney and we added my name to the deed as a quick claim deed just so in case anything were to happen to her God forbid the property will go to me as opposed to her mom sister dad and the closest relative because I'm the person who essentially helped pay for the property right right so legally it's a 50 50 split we got an LLC that's a 50 50 split so that's how that worked so now if you get this so technically since you said it takes a while with this in my head I'm thinking if using knock alone can I mean it's not technically supposed to be an investment property right but I mean it's so you can't say it's an investment property in like in terms when you're talking to them but essentially that's what it is if it's making money like that's what I'm saying like it's a multi-unit just making money like but you can't say that to the bank like I have an investment property because they just that's not what it's designed to be or to or to be used for right to us that's what it is because we know we're investors you know what I mean right I'm just going to use this to go invest more and buy more property but what if you wanted to use that that property for you know to to do a peer space or something like that I mean we'll stop you that's what I'm saying so you technically could wait you're right so even if you're not a first time home buyer and you want to use NACA you can use it to have that sort of as an investment property no so what you have to do if you own a property already you would either have to sell your property move it out of your name to a business entity or something like that because you like NACA has to be your primary residence got you okay how you become I'm an investor after you utilize the NACA program you use the [ __ ] program to go get you the biggest nicest best house you can find with these low rates all that kind of stuff live there yeah take the money that you just saved mind you I told you I walked away with twenty six thousand dollars cash your investment Journey there live there and just go invest like I don't see why that's so hard for people people like I say everybody want to move so fast and yeah I want to move out of the property then I want to flip and I want to do this like bro chill learn the process first like y'all be trying to like run before y'all like actually crawl and walk and it just don't make sense because you don't even know how any of this stuff works for real most times yeah I agree you know what I'm saying like he'd be like yeah I'm gonna do a refinance I'm like bro do you realize you have to qualify for that you know like they just not gonna give you you know money that's in the house because you say yeah that's my money like no you have to qualify for that because if someone you have to pay that back right on top of your mortgage that you have to pay back yeah and people don't know this stuff or like just really know again how mortgages or any of these things work so they get caught up with the internet terms and seeing the little 30 second clips and thinking like they know some [ __ ] when the whole time it's like bro there's a whole process to this that you have no idea about and you can't learn it by watching 30 second Clips all day um so yeah I mean he pretty much answered all my questions I know Matt has a has probably more advanced questions no I really don't I think um he said a lot you know yeah so many times I mean guys what else you want us to say but I think the key points that he was saying is one patience patience yeah right because I see people in the comments like oh it takes forever like what are you rushing for if you can get my man said he has a 0.8 interest rate that's great yeah that's that's wild what are you rushing for [Music] like and I tell people this all the time first of all I do not originate NACA loans I have no benefit of doing this type of content wait so where do we go to get where can you do not go yeah you have to go through that process you got to go to their meetings you got to go through their process it's painful yeah okay right if you don't have the right expectations if you know you're gonna submit your documents a hundred times and your counselor might not pick up like you understand how many people they're working with too at the same time and I think people don't really understand that they think they're the only person right even if you call my team sometimes oh you might not get us that's what I'm saying we're busy I'll be like I'm sorry we try our best and and I love that you said that because it's like people think it's just natural it's like no this is the mortgage process like yeah you're a first time home buyer so you don't you don't know [ __ ] off out the gate you don't know nothing yeah so to assume that oh they slower than that how you know because you it's hearsay you're basing everything off of here say that you stuff that you see on the internet but whole time regardless of what lender you go through this is the process it's going to take time if your documents ain't in order if you have trust issues with people going through your bank account like this is it's gonna be a headache for you this is going to be a headache like it's going to be a headache it's going to be a Big Ass Headache look the mortgage process is not a streamlined friendly process per se regardless no matter what lender you go through no matter what loan officer you work with it's a process because it's not automated to a certain extent because even with technology today you can upload documents do online loan applications I mean that's helped a lot how when I first came in this business we were doing handwritten 1003s like literally when you guys say documents though what documents are you talking about your W-2 is your tax returns pay stubs like you have to update that every like every time they come out man because they got to make sure that everything that you saying is lining up and being consistent with what you're saying because at the end of the day man like I said you're you're essentially asking somebody to borrow hundreds of thousands up to millions of dollars from them and you trying to say you don't want to be transparent like what like what what yeah like that doesn't even make sense like you can't go borrow this money from your mama your daddy your auntie your this this is the only place you can go get this money from and you want to give these people a problem yeah no I agree with that too right um first of all it's it's I think it has a lot to do with entitlement sometimes and maybe that's the wrong word I don't know I think sometimes folks just come come into the situation like yo I got a 780 credit score that's standing there I feel like my eyelashes in my eyes but like they come in they're like oh I got this credit score I got this job I should be good yeah and that should be priority and it's just like you know how many people got these things like it'd be like all right cool that's nice yeah seven is cute right but it's a process no matter who you go through and I think the first step is setting your expectations correctly when you're trying to go through the loan process right expectations have to be set if you and this is why we speak about NACA and all these programs kind of repetitively now is because we have new audience people who come they want to learn this information so we want to continue to feed our audience but we're also trying to train you for when you go through this process yo have patience like Dre said If you're trying to buy a house within the next six months and you need to close fast knock is probably not for you nope right it's just probably not it's a year period now that's just to get NACA approved once you get NACA approved in six to 12 months then you have to go out and shop and find the house also this doesn't work yet oh I can't work either way down because no because basically when you're going through the knocker process you're going through their pre-approval process and their pre-approval is not like if you come to me you want to do an FHA conventional VA loan and I say give me all your income documents and we review everything and literally within 24 hours or 15 minutes depending on how busy we are we can give you a letter and say hey go shop for a home yeah right anaca is first of all it's a non-for-profit organization it has government subsidies that's why they're able to offer these type of type of loans because they're getting a lot of government back stuff and then you have the the bank that they use is Bank of America right so Bank of America is actually the people who are going to underwrite you once you get a contract but NACA has to make sure that you are vetted properly before you even get to that point and that process is going through their meetings and going through the system and that's where it can get strenuous because you also have to realize too the people that's working for NACA and no disrespect I just want to be respectful right they're not training these they're not loan officers they're not licensed professionals like myself these are people who are probably making minimum wage or a little bit above facts think about your typical Walmart worker your typical um Target worker you know someone you'll see in a department store yeah right um that's helping you yeah they you how many times have anybody been in one of these stores and you asked for help and nobody else no clue or they have no clothes yeah right it's like they hiring like pretty much just nine to five workers and their job is to just put your documents through to the underwriter like in the underwriter is the person who approves you and makes decisions essentially they're just paper pushers yeah you know what I'm saying like some are knowledgeable and different things but a lot of times they don't own property themselves right they've never done a deal they're not familiar with the whole real estate process they just know how to submit paperwork to to the program yeah so it's again they're not me they're not an mg the mortgage guy you kind of me I'm well versed in pretty much any Loan program under the blue sun because this is my craft someone who's working there that's probably a means to an end that's it right now do you have people who make a career out of it and everything they move up great congratulations to them right but a lot of people who work into these type of things they're not taking their job seriously let's just call this man it's not real estate even think about the people who are working in the everyday department stores that we all go into the local supermarkets and this thing that's a check that's I have to I hate being here yeah so you know what I'm saying like but I have no choice because this is probably the only employment that is available for me based off of where I am right now in my life you know what I'm saying yeah so when you go to these meetings you have to have that in mind and also give Grace yep it's okay to give people Grace in life like if you have you guys got to be conscious of of this and the more grace you give to people the more Grace will come back to you you know you catch more bees with honey than [ __ ] so what Matt's saying is don't be in there cussing out the uh the mortgage counselors and all that because things not going your way but things not going as fast as you like don't be sending No nasty emails none of that because at the end of the day all it's going to do is make them not want to work with you think about at your job right you got to have email adequate yeah right okay yeah I [ __ ] used to go crazy on emails like super Savage like like you know my tone is coming through sounds like me yeah I'm I'm aggressive right but once I had to realize like wait a minute I don't know how these people are receiving this even with a text message right sometimes I gotta delete the text message because it might come off like I'm like being aggressive when I'm really not yeah right because people receive things differently so if you're going through this program give the people Grace man give them the honey if you give them the [ __ ] you ain't gonna catch the beam you give them the honey you're gonna catch the B Because ultimately that person across the desk could be one of your family members too and also they might be able to push your process through a little faster and smoother yeah because you're being nice to them and everybody else is being an [ __ ] or [ __ ] to them all day long so you got to think about what they're going through these not comedians if you have a go to one y'all there'll be hundreds of people there you might think you had invest fast but no this is NACA right and they're all there for free money right so think about the 15 20 counselors that they might have on staff that day and you got 300 people that they got to sit there all day long to deal with right it's painful for them too so that's why I tell people look when you go through this process go through it with Grace go through it having your expectations set the proper way don't go ahead being a [ __ ] Tyrant a tyrant you know what I'm saying and you out here just attitude for no damn reason because you feel like you're in tight [ __ ] if it's that much then go get a regular loan then be