SCF 18 | Financial Freedom

 

Many say that real estate is the path towards financial freedom and security. Real estate is the great equalizer that lets people take control of their lives and finances. In this episode, Dale Corpus is joined by the CEO of Better Capital Fund, Bobby Sharma. Bobby shares his story as a young immigrant and how he used real estate as a stepping stone towards financial security. Despite a disastrous divorce that almost wiped him out, Bobby persevered and worked his way towards success via the power of real estate. Learn more about harnessing real estate for yourself by tuning in and listening to Dale and Bobby.

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The Path To Financial Freedom Through Real Estate With Bobby Sharma

Real estate is a team sport. You do not need to be the expert on everything real estate-related just to jump into real estate investing, but you do need to get out there. You need to meet people. You need to talk to people, and then you need to take action. Relationships are key in this business. There are so many people that have done what you’re trying to do and are willing to help you. The key is to find that. Find and surround yourself with smart and honest people to help point you in the right direction. Part of your team might be like a mentor, a CPA, an attorney, an escrow officer, a realtor, or a property manager. The list goes on.

There are so many people to add to this team, and my guest has mastered the art of building out that network, constantly meeting people, and expanding his knowledge and his network. I’m so excited to bring him on. Bobby Sharma is my guest. He’s built out a real estate Meetup group to over 5,000 members. He’s also had over 6,400 members in his Facebook group. A little bit more about Bobby is that he was formerly in a tech deal in Silicon Valley and is now focused on private money lending, helping people invest for cash flowing assets, mentoring a handful of members, and focusing on syndication real estate. In April 2019, he retired from his tech job to focus on investing in real estate full-time, providing high-quality real estate and financial literacy focused on education. Without further ado, welcome, Bobby, to the show. How are you?

SCF 18 | Financial Freedom

Financial Freedom: One more thing is consistency, so just do it consistently, and somehow, it’s just going to build up.

 

It is a pleasure to see you. We met in person, but now in COVID times, it’s good to see you online.

Let’s talk about that meeting. I know that you’re the Meetup God and the beast. I know we met through a common private money friend that we have, through Max. When I first met you, I didn’t expect you to be at his house, but I was there to say hi to him. You were there. Your reputation precedes you. I already knew who you were. I felt like you were a celebrity. I didn’t get to take a selfie with you that day.

You always need to constantly be networking. It’s funny that one of my friends, I didn’t know he was already working with you, knew you, and you were at his house. We’ll talk a little bit more about the Meetups, but before I even do that, tell me more about your story. How did you get to doing what you’re doing now? How long you’ve been in real estate and all that stuff?

You were born here, but a lot of us are immigrants. I was an immigrant. I came as a student and went to a university. My whole thing was, “When I graduate, I’m going to work my butt off, find a company that will sponsor me for my green card. I’m going to be a good and model employee. I’m going to climb the corporate ladder at some point.” That was all I wanted. Things happened. Luckily, I did graduate and I got a degree in Computer Science. You are Electrical Engineering. Electrical engineers are considered slightly smarter than a Computer Science student.

Luckily the economy was good. I was able to get a job in Southern California, and the company was willing to sponsor me for my green card. I came here when I was eighteen and a half years old. At 24, my immigration attorney told me, “You’re going to be with this company for 4 or 5 years because that’s how long it’s taking for the labor certification to get processed. Be a good employee and stay there and don’t make any waves. Don’t ask for a raise. Just do your job.” It’s okay. I’m stuck in Riverside, California, for the next 4 or 5 years.

One day I was driving around and I saw an open house. I was curious. I walked in and I asked the real estate agent or the lady. I say, “If I don’t have a green card and I’m not a citizen, can I still buy a house?” She goes, “You can. All you need is a W-2. You just need a steady paycheck.” “I got one of those.” She goes, “Do you have enough money for a down payment?” I said, “I had enough money for a down payment.” Long story short, I ended up with a three-bedroom, two-bath in Southern California, and I house hacked it. This is 1989. This was before the term got coined.

Network with a purpose, not a malicious purpose, not to take advantage of somebody, but a purpose to build lifelong friendships and business partnerships. Click To Tweet

I put an ad in the Riverside Press-Enterprise. Sure enough, the phone rang. I got two great roommates. They paid not for the whole PITI, the Principal, Interest, Tax, and Insurance, but they paid for maybe 80% to 85% of the PITI. I was living almost for free. My goal was very modest, how do I keep my living expenses down and build some security. I was going to do that through house hacking, which worked for a while. My job got transferred to Northern California. I ended up buying a place in Fremont. I’ve been in Silicon Valley now for 30-plus years.

The mistake I made was I didn’t continue to invest in real estate. I got married, got into living the normal suburban life and work. In 2005, I went through a very nasty divorce. I don’t want to say everything, but I lost a lot. We didn’t have any kids, so there was no child support, but I got stuck with a pretty nasty alimony payment. One day, I was reflecting on how do I make up the difference. I’m paying $4,000 a month in alimony. I lost my house. At 39, my net worth was the same as when I was 29. I remember that.

I’m like, “How do I make up for this?” I started building real estate websites for real estate agents and brokers. One broker asked me to develop a custom website for him. I was doing this part-time as a side hustle to make up for all the losses from the divorce. In 2010, I caught a break. I bought an REO in San Jose and I bought another one in Oakland for $183,000. To this day, I regret ever selling. We always regret selling those properties. That’s one of my biggest regrets. It was a beautiful Victorian near Lake Merritt, about 0.5 miles from there. I got back into real estate.

I kept my W-2 and hustled on real estate on the side. I built out my Meetup because I was living in Emeryville, and I got tired of driving to San Francisco and San Jose to go to the Meetups. I’m like, “There are no good Meetups in Oakland, Emeryville, Berkeley area. I’m going to start one.” Before COVID, we were super active, used to pack the room. We were meeting in full places. We had a tremendous amount of positive energy and some great friendships. That’s where I met our common friend several years ago. We’re doing deals together. We met him at my Meetup in San Leandro. I met other people that I’m still doing deals with, and I go to other people’s Meetups as well.

It’s not just about my Meetup. It’s about networking with a purpose, not a malicious purpose, not to take advantage of somebody, but a purpose to build lifelong friendships and business partnerships. That’s been my purpose. If you’re a good networker, it should be everybody’s purpose. Not just be transactional, but be relationship-focused, and then the transactions will happen naturally. That’s what I’ve been up to.

I am still intrigued by the fact that you’ve just built out that Meetup group because the reason why I knew your name is that I was contemplating even attending a Meetup, but you showed up on every single real estate-related Meetup in the East Bay. I’m like, “This guy is famous.” Was it your intention to grow it as big as what it is right now? You had humble beginnings. What kept you going? I didn’t know what the tipping point was where you’re like, “This thing is taking off.”

That was fortunate. I got some lucky breaks. What happened was we were meeting in restaurants. Sometimes the restaurants were loud, and there was background noise. It was a logistical nightmare to find and book the venues, make sure that everybody knows, worry about parking, access and all that. One day, I got a random email from somebody, and they said, “We would like to offer you a professional space at no charge, but let’s meet for coffee.” I’m like, “Where is this space?” They gave me the address, and it turns out it is two blocks from my San Francisco office on Market Street. I was on Market and 3rd. They were on Market and 2nd.

I’m like, “I’ll be there in whenever you’re telling me.” I went and they said, “We have this amazing space. We’ll give it to you. Let us make a five-minute announcement about our products and services.” I’m like, “Yes.” Venue is important. I got a great venue that could hold up to 200 people. That was one of the breaks. The second break was I was buying pizza and bringing in water for people. I noticed that they were coming late to the events. I say, “I’ll spend $120 or $150. I’ll buy the pizza and bring in some water from Costco. We’ll make sure that there’s food for them when they come there.”

SCF 18 | Financial Freedom

Financial Freedom: We’re unlike other hard money brokers. We got skin in the game. We have our own capital at work on those loans, and people can come in and co-invest with us. It’s a very fair and very transparent model.

 

One day, a gentleman that had been a speaker at my event came to me, and he goes, “What if we sponsor your food and you let us speak for like 5 to 10 minutes?” I’m like, “Done.” They started helping me out with my overhead and so on. I never envisioned building it out to be that big. I only envisioned it to be a small group for me to hang around with real estate people. I like real estate people. They’re generally ethical, positive, creative and motivated. They care about their family and their future. I had read somewhere that you need to surround yourself with positive, good people.

Now, when I’m building my relationships, I want to make sure that I’m around highly ethical, motivated and positive people. That’s what my Meetup allowed me to do. It was a network effect. They invited other people. Slowly, it grew from word of mouth. The other thing is I love what you’re doing with your show. One more thing is consistency. Do it consistently and somehow, it’s going to build up. Keep your show, keep doing it consistently, and believe me, you’ll build out a loyal, solid following from being consistent and having a good message.

Let us go back to your Meetup. I want to dissect that a little bit. What was the draw? Was it an education piece, or did you always have a speaker? What was it that made people want to keep coming to your Meetups? It seems like it took on a life of its own because people stepped up to the plate because they wanted to see it all succeed.

For me, it was about education, sharing knowledge, helping people learn about new things, investment strategies, protecting themselves about the laws, and accounting. It was educational. I used to bring in an expert. Whoever was an expert, whether it was on apartments or mobile home parks, private money lending, buying remotely, building a team remotely, a CPA, or a real estate attorney. As long as it was real estate related and it helped the real estate investors, newbies, and existing, that’s what the Meetup was all about. It was purely educational.

You organically formed relationships with people there that ended up becoming business partners. It seems like you’ve gotten a lot of business relationships and partners out of that experience. Am I right?

Yes.

Tell me more, since COVID happened, I take it that no Meetups in person, but is everything 100% virtual now?

One of the reasons I moved to Florida from the Bay Area after 40 years in California is Florida is a little bit more open. They let you have large events and go to restaurants and all that. They’re not as strict. I came here and I experimented with opening up my own Meetup here in South Florida. Fortunately, I built it up. We have about 180 members now, and it grows every few days. I see new people joining. We meet in person. We did a three-day event, and we had 50 paid attendees.

This time, we did a three-day event, and we were going to charge for it. It was in a hotel, so we had some overhead. We wanted to cover our overhead. We did a paid event, and we had about 60 to 70 people show up. Great networking. In fact, out of that Meetup or that event, I now have two friends with whom I’m going to do deals. That’s what I do. I consider myself a community organizer for real estate.

Be relationship-focused, and then the transactions will happen. Click To Tweet

In terms of people finding a Meetup, how do people even find your Meetup?

If they just go to Meetup.com or google real estate Meetups or real estate events, they can find me and other events. It’s not just all about me, but I do post. I don’t post a lot on social media. I need to maybe do a little more, but I announce my events on social media. I have a database now, so I have a fairly large database of attendees. I market to them. It’s mainly word of mouth and Google searches. In the Bay Area, it was on autopilot that disrupted. My plan is to restart the Meetups in the Bay Area in January 2022.

Instead of doing it every month, it’s going to be every other month. I’ll fly in for like 3 or 4 days and do the events. Everybody’s invited and there to network. Networking is a big part of it. People want to exchange cards and they want to give each other numbers. They want to find a partner, lender, contract, an insurance person, or their next deal. That’s where it happens.

What’s the chatter happening in your Meetup groups by now? Do you have any trending topics in real estate that people are asking about?

The biggest one is Zillow, getting out of the flipping business, which is not a big surprise. They were overpaying for those properties. Some sellers got lucky, and they got Zillow’s as a buyer. That’s a very active topic. The other is about 1031s. Investing out of state is a big topic. Real estate in the Bay Area hasn’t slowed down. There are still deals out in the Bay Area that is phenomenal. The numbers and profits are bigger. Either you can do one flip in the Bay Area or six flips in St. Louis, and you’ll make more money in the Bay Area. If you have your capital, set it up correctly, and your team can do well in the Bay Area.

One thing I learned is that you moved out of the Bay Area to Florida. I wanted to chat about that a little bit. I was born and raised in the Bay Area, and I don’t think I’m ever going to leave. You’ve been here in the Bay Area for a long time, too. You left for Florida. Was that for tax freezes or something else? Tell me more.

It was for three reasons. One, the politics were getting on my nerves. The anti-landlord sentiment was getting on my nerves. Plus, I’d never lived on the East Coast. I’ve never traveled to Puerto Rico, the Dominican Republic, or the Bahamas. There are so many islands here. It is unbelievable how much there is to explore out here. I felt like if I was in Miami, I could travel to Dominican Republic, Puerto Rico, Cuba, or wherever. Once I got here, I realized I had no desire to go to Cuba, but before, I used the roadmap size about traveling to Cuba, but not anymore. Puerto Rico, Dominican Republic, Bahamas, Turks and Caicos, they’re all like an hour and a half from here.

It was about lifestyle, no state income tax. It does get hot and humid, with lots of bugs and critters. They’re everywhere. Now the weather’s getting better. It’s cooling off a little bit, but the summers are miserable. My plan is to be in the Bay Area during the summer and then come back out here in the winter, something along those lines. I still have my real estate in California. I’m never going to sell that. Sometimes you get lucky and you end up with some properties. California is an amazing market, but I chose to move down here for tax and lifestyle reasons.

Those are all good reasons. I wanted to chat with you about real estate investing for your own portfolio. What asset classes are you mainly investing in? A lot of it is probably notes. Is there anything else?

I do dabble in other things. Right now, I consider myself a lazy investor. I don’t like to do a lot of work and flipping all day, turning properties around. I team up with other people that are good at that. My strategy is I don’t want to work with the city and deal with contractors. What I tend to do is stick to private money lending. That’s been my go-to strategy, and then I’m invested as an LP in some syndications. I’m a GP in other syndications. We have very large syndication ourselves. It’s a $70 million fund where I’m a GP, but we have a full-time team that acquires and rehabs.

We keep those homes in our portfolio. We have about 1,250 homes right now, and we’re hoping to grow that to about 2,000. That’s a fund that I’m part of. With Max, I do a lot of private money lending. We have borrowers in North Carolina, Kentucky, Alabama, mostly California, Memphis. We have a lot of repeat borrowers. We make it easy for them. They make it easy for us. We make it easy for our investors to come in and co-invest with us. That’s what keeps me busy, to be honest. I handle all the operations and investor relationships. Max focuses on the underwriting and then the borrower deal sourcing and so on. It’s a nice fund, and it keeps us busy. I’ve got those things going on, but I’m a big believer in passive income.

I am too. I’m on the private money lending side. It sounds like you are lending in multiple states, is that correct? What type of LTDs? What terms do you guys generally do?

We’re conservative. We’re conservative because the way the model is worked out is we deploy our own capital. We have skin in the game. If no investor co-invests with us on that loan, my money is at work. We only do 75% of the purchase price and we won’t go above that. There may be some special instances. It’s always a first position loan unless there’s so much equity that we can be assured that there are going to be no issues even if we are on a second. For example, we did a property near Gilroy. It was worth about $1.5 million. The first position loan was $250,000 and we came in with $100,000. It was $350,000 total on a property worth about $1.5 million.

We had no issues with doing that as a second. 90% of our loans are first position, 75% loan to purchase, not loan to future value or loan to current purchase price. Those are very strict underwriting. Max is a master of that. I leave all that up to him, paperwork-wise and so on. I focus on working with investors, on the operations, on the marketing. Between all that, it’s busy. Unlike others, like hard money brokers, we’ve got skin in the game. We have our own capital at work on those loans and people can come in and co-invest with us. It’s a very fair and transparent model.

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Financial Freedom: It’s not difficult to develop a plan to invest passively and develop good habits to accumulate more assets and more wealth.

 

In terms of residential versus commercial real estate, are you mainly heavily invested in residential, or a good portion of it is commercial?

I’ve got some apartments I’m invested in. Two apartment complexes in Minneapolis, Kansas City, El Paso, and then a small town called McAllen, Texas. I’ve got apartments there. I’m an LP in a collection of mobile home parks.

A fund, correct?

Yeah. At my Meetup, I met somebody who’s big into Airbnb, so I’m going to be partnering with him on some Airbnb deals that he has been looking at. I’m going to partner with him. He’s a great operator. That’s what we do. The main thing is everybody has to win. The partner, investor, and whole team has to win. Otherwise, it doesn’t work.

I love the fact that you made the transition from tech to full-time real estate. A lot of my readers happened to be also my clients, and they work in the tech field. There are many that are interested in figuring out how to invest in real estate. Most people don’t realize that real estate investing can be passive like we’re talking about right now. They think that they need to flip a home or whatnot, but there are other ways where they could get into real estate and do it passively, just like what you’re doing with notes and the syndications. I do the same thing. Being that real estate was new to you from being in a completely different background, how did you feel comfortable with even the idea of real estate? I’m asking this because a lot of folks are thinking of that when reading this show.

There’s the whole shiny object syndrome, they watch HGTV, they’re on Facebook and they watch all these things. My advice to people is, build a roadmap and a plan. That’s what I did. After my divorce, I was 39, but at that point, I wrote it down that I was going to retire by 50. I needed a certain amount of passive income to retire by 50. I projected that I’d be comfortable if I earned 6% or 8% on that money. Whatever that number is for you, it’s a personal number. The number for me may not be the right number for other folks.

You have to come up with that number, and then you have to work towards achieving that. If I got to this number in passive income, my goal was to leave my W-2. I was hustling and saving. I was well-paid as a tech worker. I was able to hit that number when I was 49. I did quit when I was 49. That’s when I went to Oakland and started flipping houses. I realized I hated working with contractors. I didn’t like it. I came from a white-collar job where you keep your word. If you tell your client that you’re going to deliver a certain software or system by a certain date, you have to do anything in your power to deliver the system or software by that date.

It wasn’t sitting well with me in the world of contractors where they pick up too many jobs and they over promise and under deliver. I said, “I’m trying to be a partner with you. How about I lend you the money, and you go do your thing? I’ll provide you with the capital, but I need a fixed return and a lean.” Max helped me out quite a bit with the paperwork the first few times I did it. It got on a roll. To your readers, if you’re in tech, come up with a plan. How many real estate assets do you need to own to generate the passive income you need to live the lifestyle you want?

I call it playing offense and playing defense. Playing offense is investing properly, investing with the right team, investing with the right due diligence, but it’s passive. Playing defense is things like, “Can I get a promotion and a raise at my job? I want to keep my job.” By the way, I loved my tech jobs. I always loved my colleagues, my managers, and my companies. I never hated going to work. Some days were tough, but they’re in there that way in real estate as well. When you have to evict somebody and all that, that’s not fun. What I did was I kept a map of an Excel spreadsheet of where I needed to be to hit my number.

Dale, you’re young and successful. You’re highly motivated. You probably already have a number, but for me, it was not about stopping work, but it was about freedom to not work when I didn’t want to, go on vacations when I wanted to, be able to buy things that I would have considered luxuries before, but that was it. I didn’t have any grandiose ideas about buying a bunch of stuff. I’m not materialistic in that sense. It’s not difficult to come up with a plan for your readers to invest passively but also develop good habits to accumulate more assets and wealth.

Are there any skills or even lessons learned from your tech career that have translated well into real estate investing? Can you think of anything?

The reason why we're super conservative is that we deploy our own capital. We have skin in the game. Click To Tweet

Real estate and tech, you got to be good with numbers. You got to understand numbers, basic ROI and P&L, and all that. Numbers are your friends. Math is your friend. In tech and real estate, I was dealing a lot with numbers. Understanding project management, for example. I got this task. Where is it on completion? Where are we? A project plan is also important. What I learned from Corporate America was how you have to be professional. You have to be on time. I always show up to meetings a little bit early. It’s out of respect for the other person. Being professional and taking your real estate investing professionally, it’s not a hobby anymore. It’s about getting somewhere.

You dabble in a lot of different investments. We talked about how real estate is a team sport. I wanted to touch on that a little bit. Who is crucial on your team in real estate? What roles do they play to help you?

In the private money fund, it’s just Max and me. We have no employees and VA’s. We have almost zero overhead, but we run a nice, clean business, three hours apart. We rarely have to jump on a Zoom because we have understood each other’s personalities by now. We know how things are supposed to work. That’s going well. I have other ventures as well. I’m good on the strategy on one of my ventures. It’s a PropTech startup. I’m good on the strategy and the direction of the product. My partner is good with technology. I just have to describe something to him, and he can run with it. We have good chemistry there.

It’s about staying in your lane and raising capital. My partners are good at operations. Out of Fresno, California, I’m a GP in that deal. My role is purely on the capital raise side. I don’t interfere with their day-to-day operations and they don’t interfere with my capital raise efforts. We work flawlessly and it’s nice. There are never any issues. If there are, it’s a polite conversation. Deal with it, move on. Dale, you’re a leader. You’re going to build a team of agents that are going to be in your system. You have the personality and the drive. You have to set the example. You’re going to build out an amazing team.

I do appreciate that. In terms of systems, since you have so many things going on with your investments, notes and occasions, your limited partner, how do you stay organized? How do you track the performance of your investments, returns, and all that stuff? What do you do?

I track all my assets in this platform that I’ve built called BetterCapital.us. What it does is it allows me to log in whenever I want and see how my assets are doing across the board as an LP, GP, or private money lender. It doesn’t matter. I can see everything in one place. That’s what I call my flight deck or my executive dashboard. For example, I picked up a property in Florida about 15 miles from here. All the data is going in there. Whenever something happens to that property, like a lease gets signed, I make a purchase. It’s all in there. That’s for tracking my assets. For communications, I use things like Slack. I’m big on WhatsApp. Email is also so important, but WhatsApp and Slack are my go-to communications tools besides my email.

I use Slack and WhatsApp religiously too. I agree with you there. I wanted to talk about that platform that you just mentioned. Is that platform available, the one that you use to track a real estate portfolio online? It’s cloud-based, I take it? Is it accessible to anybody?

It’s free to use. It’s called BetterCapital.us. What we’ve done is we’ve taken things like QuickBooks, your CRM, your Google Drive, your bank account information. You get a 360 view of what your assets are doing financially, how they’re doing financially, all in one place. Maybe Dale, when you have a slot to fill in on one of your shows, we can talk about BetterCapital. Let’s say one of your guests is not able to make it or something, but I’d love to sit in.

Is it a subscription service? Is it a free service? Tell me about that.

It’s a freemium. It starts out free, but if you need help with bookkeeping, VA, more storage, Google integration, or bank integration, it’s simply $30 a month.

I have some final questions for you. What are you excited for in your business? If anything, what you’re looking forward to 2022?

We’re fortunate. We’re coming out of COVID. I’m excited about real estate in general and I don’t see a big crash. I see a lot of exuberance, but hopefully, there’s $9 trillion worth of money that got printed. That’s got to work through the system. A lot of it is going to go into real estate, crypto and then stock markets. I don’t see a correction. There could be a Black Swan event that could cause problems, but as far as looking in the crystal ball, I don’t see any major issues. People want to go back to work. There are plenty of jobs available. Overall, I’m very excited about real estate and the future of real estate investors. People are always going to need the help of a good agent. I still buy it through agents and good agents that are understanding investors. It’s going to be a quality-based, service-based profession.

Knowing what you know now as an experienced investor, if you were to start all over again, do you think that you would have done anything differently?

Lots of things. I would have learned about partnering. What happened is I used to always think that whatever capital I have, that’s all I can invest. What I didn’t know is that there are so many other ways in which you can pull up and partner up and JV and this and that to be able to acquire real estate. That is my biggest regret. Why didn’t I learn about leveraging capital early on? I was like, “I only got this much. I can only buy that amount of real estate.” That’s my biggest regret, to be honest with you.

I like to ask this to of all my guests. I wanted to ask it you as well. Whatever it means to you, what does success mean for you?

Number one, it’s about financial freedom, financial security, but it’s also about how many people have you helped along the way. You can build your empire and this and that, but how many people could you have helped along the way? I’m not saying people don’t help others. They do a lot. You belong to a group which is so generous and so on. We all do, but it should be a core part of living and working each day. Success is financial freedom, the ability to help others, be honest, and have a high degree of ethical standards. That’s what it’s all about.

What’s your superpower, would you say, that has contributed to all your successes so far?

SCF 18 | Financial Freedom

Financial Freedom: Success is financial freedom and the ability to help others.

 

Being authentic. My networking. I like people. I love getting to know folks, where they’re from, and their families. We’re so fortunate that we live in such an interesting, a Petri dish of such a diverse culture in the Bay Area. It’s always interesting to meet somebody from a different place. Not only that, but different careers, you got doctors, dentists, architects, all wanting to do something in real estate, but they come from diverse backgrounds. There are nurses, corporate leaders, salespeople, but they all strive to build a better life for themselves. That’s super interesting.

I love the Bay Area for that. It’s such a melting pot with all the diversity. It’s like I was born and raised here. How fortunate was I to be born in one of the best places in the world? Almost like a lottery. Lastly, how can somebody get ahold of you, Bobby?

Bobby@BetterCapitalFund.com is the easiest way. I’m on social media. Please, feel free if you’ve got any questions, reach out to me.

That’s all the time that we have. Bobby, thanks for joining me on this episode. My joy this time is, number one, get to know you better and just learn more things.

Likewise, keep up the good work, and keep posting. I want to see you on the paddleboard.

It's about financial freedom, financial security, but it's also about how many people have you helped along the way. Click To Tweet

I appreciate your positivity as well. I love to surround myself with positive people, and you’re one of them. To my readers, thanks again for checking out another episode. Remember to leave a review on iTunes as it helps me attract even more great guests like Bobby. Until next time, live life abundantly.

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About Bobby Sharma

SCF 18 | Financial FreedomBobby Sharma is the Co-Founder and CEO of BetterCapital.us, a platform that allows real estate investors to track the performance of their real estate assets. He is a partner in Voyager Pacific, a private fund that manages $63M in real estate assets. Runs a real estate networking and educational group with more than 5K members.