Uncommon Estate of Mind

Talk Like an Investor: Real Estate Lingo You Need to Know

Want to sound like a seasoned real estate investor—even if you’re just getting started? In this episode of Uncommon Estate of Mind, we’re cutting the fluff and breaking down the essential real estate terms you actually need to know before buying your first 2–4 unit multifamily property. Whether you’re aiming for a duplex, triplex, or fourplex, we cover the key concepts that will help you walk into any conversation with a lender, agent, or seller and sound like you belong. You’ll learn: ✅ What counts as a multifamily property (and why 2–4 units is the sweet spot for beginners) ✅ How owner-occupied loans like FHA (3.5% down) and conventional (5% down) can help you get started ✅ The real meaning behind LTV (Loan-to-Value) and DTI (Debt-to-Income) ratios ✅ The basics of gross rent, NOI (Net Operating Income), and cash flow ✅ Why CapEx can make or break your investment if you’re not prepared ✅ How to calculate your cash-on-cash return and break-even point like a pro ✅ Smart budgeting tips to avoid getting caught off guard after you close If you’re serious about building generational wealth through house hacking and multifamily investing, this episode is your starter pack. Resources: 📘 Get The 5-Year Plan [https://adtheflyrealtor.gumroad.com/l/utoamx] – Your step-by-step guide to buying your first 2–4 unit property and building a portfolio fast FREE guide to buying your first property with little money down: 5-Year Wealth Starter Kit [https://adtheflyrealtor.gumroad.com/l/opeeu?_gl=1*1jnkn4q*_ga*MTQxNjMxOTI4Ny4xNzQ1NjkxOTgx*_ga_6LJN6D94N6*MTc0NTc5NTkzMS42LjEuMTc0NTc5NTkzMi4wLjAuMA..]  Learn how to fund your business using personal credit: Fund and Grow [https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand] Disclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way. Connect with Uncommon  Instagram [https://www.instagram.com/uncommonestateofmind/] YouTube [https://www.youtube.com/@uncommonestateofmind] info@uncommonestateofmind.com Connect with Joey Garba: Instagram [https://www.instagram.com/mrjmaze/] Connect with Ademola Dawodu: Instagram [https://www.instagram.com/adtheflyrealtor/]  Personal [https://linktr.ee/adtherealtor]

Trump, Tariffs, and Turbulence: How Shifting Policies Are Shaping the Market

In this episode, we unpack the latest wave of economic disruption tied to Donald Trump’s return to the policy spotlight.  From sweeping tariffs on imports to conflicting signals on inflation and interest rates, we break down how these rapid shifts are injecting new levels of volatility into the economy—and what it all means for real estate investors trying to plan their next move.  Thinking about jumping in—or already knee-deep in the game?  Either way, this kind of political turbulence hits everybody’s pockets different, and we’re breaking down how. Resources: FREE guide to buying your first property with little money down: Get the 5-Year Wealth Starter Kit 👉🏾 https://adtheflyrealtor.gumroad.com/l/opeeu?_gl=1*1jnkn4q*_ga*MTQxNjMxOTI4Ny4xNzQ1NjkxOTgx*_ga_6LJN6D94N6*MTc0NTc5NTkzMS42LjEuMTc0NTc5NTkzMi4wLjAuMA.. Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand Disclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way. Connect with Uncommon  https://www.instagram.com/uncommonestateofmind/ YouTube: https://www.youtube.com/@uncommonestateofmind info@uncommonestateofmind.com Connect with Joey Garba: Instagram - https://www.instagram.com/mrjmaze/ Connect with Ademola Dawodu: Instagram - https://www.instagram.com/adtheflyrealtor/ Personal - https://linktr.ee/adtherealtor

Building Legacy: Mariah Dodson Develops a 40-Acre Wellness & Community Space

In this powerful episode of Uncommon Estate of Mind, we sit down with Mariah Aleah, a visionary leader who is redefining what it means to build generational wealth, healing spaces, and community. Mariah is on a mission to break cycles and create a 40-acre wellness ranch and family compound in Southern California—one that honors her ancestors, fosters self-sufficiency, and provides a sanctuary for those seeking true connection and restoration. We dive deep into her journey from vision to execution, discussing the challenges, triumphs, and financial strategies that made this dream a reality. How did she fund this massive undertaking? What does it mean to create a legacy beyond just financial wealth? And how can others take steps toward reclaiming land and space for their own communities? If you’re passionate about ownership, community, and generational impact, this episode is for you. Tap in and get inspired—because the blueprint for legacy starts here! Resources: Connect with Mariah Dodson: https://evolutionofhealing.com/ [https://evolutionofhealing.com/] https://linktr.ee/MariahAleah?utm_source=linktree_profile_share<sid=c1794736-43be-4711-8034-f6dd12a5305f [https://linktr.ee/MariahAleah?utm_source=linktree_profile_share<sid=c1794736-43be-4711-8034-f6dd12a5305f] https://www.instagram.com/mariahaleah_?igsh=NTc4MTIwNjQ2YQ== [https://www.instagram.com/mariahaleah_?igsh=NTc4MTIwNjQ2YQ==] Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand [https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand] Disclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way. Connect with Uncommon  https://www.instagram.com/uncommonestateofmind/ [https://www.instagram.com/uncommonestateofmind/] YouTube: https://www.youtube.com/@uncommonestateofmind [https://www.youtube.com/@uncommonestateofmind] info@uncommonestateofmind.com [info@uncommonestateofmind.com] Connect with Joey Garba: Instagram - https://www.instagram.com/mrjmaze/ [https://www.instagram.com/mrjmaze/] Connect with Ademola Dawodu: Instagram - https://www.instagram.com/adtheflyrealtor/ [https://www.instagram.com/adtheflyrealtor/] Personal - https://linktr.ee/adtherealtor [https://linktr.ee/adtherealtor]

Trump’s Tariffs: Who Wins, Who Loses, and What It Means for You

Trump’s latest round of tariffs has sparked heated debate—some say they’re protecting American jobs, while others argue they’re driving up costs for everyday people. But who really benefits, and who’s left footing the bill? In this episode, we break down the real impact of Trump’s tariffs on American citizens, businesses, and the real estate market. Are these policies strengthening the economy or making homeownership even more out of reach? We’ll explore how tariffs are affecting construction costs, housing affordability, and even job opportunities. Whether you’re an investor, a homebuyer, or just trying to keep up with rising prices, this discussion will help you understand what’s really at stake. Tune in as we debate the winners, the losers, and what this means for your financial future! Resources: Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand [https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand] Disclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way. Connect with Uncommon  https://www.instagram.com/uncommonestateofmind/ [https://www.instagram.com/uncommonestateofmind/] YouTube: https://www.youtube.com/@uncommonestateofmind [https://www.youtube.com/@uncommonestateofmind] info@uncommonestateofmind.com [ info@uncommonestateofmind.com] Connect with Joey Garba: Instagram - https://www.instagram.com/mrjmaze/ [https://www.instagram.com/mrjmaze/] Connect with Ademola Dawodu: Instagram - https://www.instagram.com/adtheflyrealtor/ [https://www.instagram.com/adtheflyrealtor/] Personal - https://linktr.ee/adtherealtor [https://linktr.ee/adtherealtor]

The Palisades Fire and LA Real Estate: What New Investors Need to Know

The Palisades Fire is yet another reminder of California’s ongoing battle with wildfires, but will it actually change the future of Los Angeles real estate?  In this episode of Uncommon Estate of Mind, A.D. and Joey debate the long-term impact of wildfires on investing in LA.  A.D. argues that while devastating, fires won’t shake California’s real estate market in a meaningful way, while Joey takes the stance that increased fire risk will drive investors away and reshape the market.  Will rising insurance costs, stricter building regulations, and climate concerns deter buyers—or is LA real estate simply too resilient?  Tune in as we break it all down! Resources: Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand [https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemand] Disclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way. Connect with Uncommon  https://www.instagram.com/uncommonestateofmind/ [https://www.instagram.com/uncommonestateofmind/] YouTube: https://www.youtube.com/@uncommonestateofmind [https://www.youtube.com/@uncommonestateofmind] uncommonestateofmind@gmail.com [uncommonestateofmind@gmail.com] Connect with Joey Garba: Instagram - https://www.instagram.com/mrjmaze/ [https://www.instagram.com/mrjmaze/] Connect with Ademola Dawodu: Instagram - https://www.instagram.com/adtheflyrealtor/ [https://www.instagram.com/adtheflyrealtor/] Personal - https://linktr.ee/adtherealtor [https://linktr.ee/adtherealtor]