In this episode of The Norris Group Real Estate Podcast, host Joey Romero chats with creative finance expert Andy Teasley. They discuss Andy’s journey into real estate, his passion for teaching others creative deal structures, and how investors can leverage tools like financial calculators to build win-win deals. From mobile homes to note creation, Andy shares real-world examples and strategies that highlight the power of thinking outside the traditional real estate box.
Andy Teasley is a seasoned entrepreneur and real estate investor with over 40 years of experience. A passionate educator, he mentors new investors, encourages REIA participation, and publishes “The Weekly What If?” newsletter. Specializing in mobile home flipping and single-space mobile home parks, he also teaches financial calculator courses. A California native, Andy continues to invest, educate, and support the real estate community.
In this episode:
- How Andy Teasley got started in real estate investing
- The role of creativity in structuring profitable deals
- The value of financial calculators in deal analysis
- Tips for teaching and mentoring new investors
- The power of seller financing and note creation
- Why mobile homes offer untapped opportunities
- Insights from Andy’s experience with investor clubs and community building
Episode:
Narrator Welcome to The Norris Group Real Estate Podcast, a show committed to bringing you insights from thought leaders shaping the real estate industry. In each episode, we’ll dive into conversations with industry experts and local insiders, all aimed at helping you thrive in an ever changing real estate market. Continuing the legacy that Bruce Norris created, sharing valuable knowledge and empowering you on your real estate journey. Whether you’re a seasoned pro or a newcomer, this is your go to source for insider tips, market trends, and success strategies. Here’s your host, Craig Evans.
Joey Romero Hey, welcome back to The Norris Group Real Estate Podcast. Thanks for joining us again for part two of our interview with Andy Teasley, the Wizard of Wobbly Houses. So in 2017, Aaron and I had been, friends for a long time, serving in the community, volunteering kind of everywhere. And in March of that year, he he made me an offer. He’s like, “come on board.” And I’m like, “okay.” I was just, like, having fun hanging out with Aaron. And, you know, he told his dad, like, “Hey, we go to hire Joey.” And. “Well, why? ” “We just got to hire him”, “Okay?” You know, Bruce took it at faith, and, you know, from the beginning. Aaron said just learn everything. You know, he got me to study and take my NMLS class and and my realtor. So I got both of those licenses. He says you’ll never use them, but we just want you to get familiar with the industry and start, you know, going to places. So then he sends me to, my first, seminar, and it was at Fortune Builders. The free, the free one, you know, at the hotel or, you know, Dan Merrill is attached to this and, you know, he’s on HGTV and so I went, you know, he’s like, “Don’t sign up for anything. Just go, go, just go and experience it.” And so, of course, you know Dan wasn’t there. You know, they show you a video and then “This could be you”, you know, it’s like and then okay. “All right everybody. So the next class is $5,000. You know if you want to sign up and you want a chance to work with Dan, you know, sign up. ” So I said, “All right, thank you. No, thanks.” And I went back and told Aaron he’s like, “See, that’s kind of what’s out here. And that’s why I kind of what we do, what we do.” “Now the second one that he went to, that I went to was in I think May of that same year. And it was, Millionaire Makers Next Generation. That was the first time that I met you.
Andy Teasley And that was that was my first package show.
Joey Romero So that was Steve McKee. It was Buddy Broom. Aaron was teaching and you were teaching So, you. I’ve always known you to be a big, big education buff. So it’s always been important to you. What was the first class that you ever went to?
Andy Teasley Well, the guru Lone Young gray.
Joey Romero That was the very first one?
Andy Teasley Very first one. So you get in the middle of the night. And I was about, let’s say, 82.I would have been 22 years old.
Joey Romero Okay. Let’s change. So what was the what was the, the the first class that you actually got the most out of? Like, what was the, like the one that really said all right, I’m going to I’m doing this.
Andy Teasley Well, I’ve always been doing it, but but and I’ve been active. So nine and ten, right. The system was very simple. But you’d buy a cheap house, polish it up, put a tenant in at it and try to improve your financing. That was the whole thing was easy. I could buy any house that any REO in the book I could buy. I had a system. I could basically offer anything I wanted. I’d promised 14 day clothes and the two things that were my key secret sauce ingredients is I pledged 100% of the purchase price for earnest money, and I got the selling agent to print off the release of contingencies form. So I went in with money offer the, I promise to close in 14 days. I promised 100% of the purchase price for earnest money, and I’d already signed off on all the contingency stuff. All I wanted was free and clear title on that house. Yeah, and ensured easy, simple, boring. So I got involved in the REIAs because it was a way to deal with all the youngsters. “They were so excited. They just they were going to make a million bucks tomorrow. And they had so much energy. So I really got involved just vamping off of their energy. And I forgot what the hell I was going anyway. So. So through that, I was introduced to Jimmy Napier.
Joey Romero Okay.
Andy Teasley But somebody there said, you review really? This guy, you’d like this guy. And he gave me a set of his CDs and, I was just amazed with Jimmy, and I met him, I, I took a lot of classes from him when I could. I miss him dearly now that he’s gone. But he was probably one of my best inspirations. Next, of course, is Peter, who I met through Jimmy. Was funny. I cornered Jimmy at, Masters of Real Estate. I said, “Jimmy, I want to buy you dinner so we can talk.” He said, “Okay, fine.” So we’re in the dining room. He and I are having dinner and suddenly he drags Pete over. So I’ve seen her have a dinner with Jimmy Napier and Pete Fortunato, and then John Schaub walks up I had three of the four six pack all. They’re enjoying dinner on me, which was no problem. I was just sitting there with my mouth open, just a sponge. And those three guys have forgotten more than most people are ever going to know in this industry. I’m actually climbing in a plane on Tuesday to go listen to John and Pete teach in Tampa next weekend. “I basically, you know, any time those guys are teaching, I will be in the room, because they’re just amazing.
Joey Romero Now, John you know, he’s got his thing that he teaches all the time, you know, one rental at a time. But Pete is different all the time, isn’t it?
Andy Teasley Well, Pete’s always different, but. the best education you get out of Pete is learn to care about Pete.” “Yeah. That’s. I think that’s his main message is learn to care about people and you will succeed in our industry. He is the most creative minded in real estate, and I’m always, I always get annoyed when I’ll meet somebody who’s spent 50 grand with Stan Merrill and thinks they don’t need another piece of education because they know everything they need to know.”
Joey Romero Well, that’s why I was going to ask you right now is like, you know, you’ve done it all. You you’ve gone to a ton classes like, but you still continue to go to like do you think you’ll ever stop going class?
Andy Teasley Do you, do you think Peter knows more than I do?
Joey Romero Most probably.
Andy Teasley Peter has been in a real estate class once a month, every month since 1969. With the explosion of Covid, when we were all hiding in our bedrooms.
Joey Romero Wow.
Andy Teasley So if that smart, creative, insanely creative guy is going taking classes once a month, I’m going to keep taking classes. So my newsletter I publish, I give a list of the good upcoming classes nationwide.
Joey Romero Yeah. I’ll get we’ll get to that.
Andy Teasley Yeah.
Joey Romero Don’t spoil it yet. Just yet. So in your opinion, you know, you listed all the greats but who who’s coming up because like the whole purpose of your, your seminar that you did out in the desert was like, hey, these guys are getting a little long in the tooth. They might not want to do it for much longer. Who’s the next generation? “Like, who do you like that’s younger, got the newer ideas and who would you recommend that people go seeing now?
Andy Teasley Oh well so David, tell me the property management guy has got a couple of good goods to his son in law. It looks like he may be taking over. And Lindsay Jensen teaches master leasing as well.” Good class property management, master leasing. Bill Cook is teaching a lot of the stuff that Joe Miller taught. Vinnie Jones Cox just got a lot of stuff that the old people can’t, Courtney Fricke out of New Orleans, another good, good educator, Leon Johnson’s son, Adam. Another second. The next generation is coming along rather nicely.
Joey Romero Nice. So what do you, what are you teaching nowadays? And when do, when is your next event coming up?
Andy Teasley So I teach Saturday is all dedicated to running with financial calculator because that’s such an important tool.
Joey Romero And so you’re teaching the 10BII now?
Andy Teasley Yeah. I used to, I started teaching a lot of deals, right. The flipping mobile homes to make notes.” And when I first started, you told me you knew how to use a financial calculator. You’d had a class and you’re familiar with it, and we’d start the class on Saturday, and I would end up spending three hours teaching calculator get frustrated the heck out of me because I’ve got a full day of notes and models. So the next thing I did is I started teaching on Sundays after Bill Cook taught his, are Bill Tan taught his calculator class, or Buddy Broom on his calculator class because they both have a good one-day calculator class. So you did calculator with them on Saturday and then my class on Sunday. It was good because we fed each other’s classes and it worked well, except two things happened. One is Buddy’s children got to that age where you can’t take weekends off to go. You got, you know, soccer practice and ballet and all that stuff. So his wife said, no, no more. And Bill Cook flooded his, or Bill Tan flooded his house three times in one year. Oh so so neither what? They just both quit teaching because they’re just reality yet. So I talked to Bill and I got permission to knock off his glass. So I started teaching Bill’s class plus a little more. I pushed my one day calculator classes, Bill’s one day calculator class, but about a third of his second day calculator class, because I push you a little further.
Joey Romero Okay.
Andy Teasley And then Sunday I teach just scattered out and visiting mobile home flipping. And it’s funny because I had Jack Fullerton in my class, right. This is, you know, these characters, right.
Joey Romero The coach, the coach.
Andy Teasley …in this class, right. At front row I’ve got Mick Blackwell and Mike Cantu back row. I have Fullerton, Coach. That was the class. And it’s in the barbershop, which I don’t know if you ever got in there for a class…
Joey Romero No, I didn’t.
Andy Teasley …was all we could do to sandwich 20 people in there because we had people on top of each other because it was only a little thousand square foot barbershop, and we shove all the barber chairs in the back and, and, that’s where we taught because it was free.” And so that was a great class. It and and those guys and we’re we went out to dinner afterwards and Jack said, I don’t know why you call this a mobile home class. It’s not it’s a financial literacy class. You that you spend a weekend with you and then you have everything. There’s just so much financial literacy just built into the class, and it really is. We generally have a speaker about IRAs. We talk about whether to Roth or not to Roth. We talk about for solo 401(K) plans, we teach you how to analyze deals using your calculator, and how to craft notes and then buying and selling and negotiating and it’s a full kit. That’s one of the reasons I give free retakes on my classes, because…
Joey Romero I was about to ask you that. What does that mean? Because I saw that somewhere where you like free retakes. So tell people what that actually means.
Andy Teasley So, so I teach entirely, So if, you had a have you been to a weekend with Pete yet?
Joey Romero If it’s where you like, you need a week to decompress everything he said?”
Andy Teasley Yeah. Yeah. And then and I know I put entirely too much into that. I mean, that’s why I like kids like Rudolfo, the 19-year-old, the sponge that was able to take the class one weekend and run out and immediately put it to work on Tuesday. Most of my people are on a weekly Wednesday, so I know it’s it’s too much. So you get to come take it again because I don’t mind. I kind of like having experienced people because maybe you were good on the calculator and there’s somebody who’s just really struggling and I can go tell you, go sit in the corner and work together and bring this kid up to speed. So I like that. And some of my most successful students have been in Brown, third, third times through. “It finally clicked that he did 15 mobile homes this first year out.
Joey Romero Nice.
Andy Teasley So some people take more time and I don’t mind. I, you know, there’s a reality to good educators and I hope I class, I hope I’m entitled to classify myself as a good educator. We don’t teach for money. Then Merrill’s team live in a hotel rooms and work two gigs, two 90 minute shows every day.” It’s like being in a freaking circus performer. And what they care about is someone. Those darn classes. The people I promote and people like me and Pete and Jimmy and John. We don’t need your money. We don’t teach for free. Except people would not. They’d say, they’re going to show up and you rent a room for 500 people and 100 show up, and 400 just didn’t bother because it’s free. “It must not be worth anything.
Joey Romero Things that are free have no value, right?
Andy Teasley That’s right. So that’s why we charge that. And if you didn’t get it the first time through, come take it again.
Joey Romero Well that’s the difference between being in the seminar business or being in the real estate teaching business.
Andy Teasley Yeah. I’m not even a I don’t call it a business. It’s just a hobby. Yeah. Lord knows I can make I can make twice as much as I make doing a class a month just by flipping one extra mobile home, you know?
Joey Romero Yup.
Andy Teasley If I get full price on every seat in the room and there’s 20 seats in there, that’s 10,000 bucks. That’s a really easy, you know, two week profit on a mobile home flip.
Joey Romero I’m sure you’ve heard Bruce talk about, you know, the first seminar he went to with Jim Rohn and the first note that he wrote that he still has is this guy doesn’t need our money.
Andy Teasley Yeah, yeah. And, you know, you look at John Schaub up in his private airplanes and…
Joey Romero It is Bonanza just like everywhere.
Andy Teasley And Peter Fortunato, who’s, who just is an amazing, amazing performing person. They don’t need our money. Their tenants pay their bills. So that’s that’s my, I have 32 families that work ten hours a week to pay my bills.
Joey Romero Yeah.
Andy Teasley I don’t have to get out of bed. The only problem with that is my wife knows that. So when I start whining about life is hard, she says, Oh, shut up. You don’t have to get out of bed if you don’t want to.
Joey Romero So, Andy, let’s say, let’s say, we’re at the FIRE Center and, I’m brand new. I’ve been dreaming about being a real estate investor, and this is the first meeting I’m attending and I’ve never done a single deal. What would your advice be to me?
Andy Teasley Are you under 30?
Joey Romero I am, let’s say I’m under 30.
Andy Teasley You and I are going to have this conversation. I have a math question for you. $500 a month invested. You got 50 years to go, right? Oh, I looked at two years to go.
Joey Romero Yeah.
Andy Teasley 500 month. Invested it. 15% for the next 50 years. What’s that? Grow up to?” And they take out their six function calculator and count their toes and they can’t figure it out. They’ll come up with something like $750,000. And I say, well, wait a minute, you invested $300,000 over 50 years. It’s going to be substantially more than 750. So guess again, and we’ll let them struggle with it. And then we’ll take out the HP and we’ll drag it up. We will show them that it’s $69 million, that you can make that $17.67 a day for 50 years invested at 15%. Then the next question I’ll ask them is, what happens if you wait one year to start? So we’ll do 49 years and you find out that that $69 million only grows to $59 million, and it cost them $10,000 to not fully fund that Roth IRA. “And invest it well.
Joey Romero So, people forget is the power of compounding, right?
Andy Teasley Absolutely. And then, of course, the next conversations, you can’t make 15%. And I’ll show you Arizona by tax lien certificates. They pay 16, 18 in Florida and 24 in Texas I mean, it’s easy to make 15%, especially when you’re young, when you’re my age, tax lien certificates are just too exciting because you never know when that stupid check is going to come from the county.” You got to go put that money back to work, you know? But when you’re 20, you could just dump it back in the IRA and go buy another one. So, that’s typically where we start. And, and then we’ll get them to get a copy of Quincy’s book on, on the, self-directed IRAs. Or if they, if there’s someone that needs to have more money and now if they’re a little older, we get them a copy of, Dyches book The Solo 401K plan. And, it’s amazing how many books I sell sitting in the back of the real estate room.
Joey Romero Right.
Andy Teasley None of them get me a commission. But that’s okay.
Joey Romero You got to get you one of those affiliate links on Amazon. So before we go, Andy, I want to talk about a couple things. Now, I know that you’re, you know, you work with Rich a lot, and you’re actually running the SoCal Exchangors.” Can you tell people what that club is?
Andy Teasley So there are two different types of exchange meetings. Well, let’s take a big step back. Before Starker real estate exchanging to do a 1031, you had to find a replacement property. So before Starker you would have 200 hundred people, agents and principals in a hotel ballroom every week trying to structure deals so their clients could get rid of something they didn’t want to get, something they liked better.”
Joey Romero Trade my boat for a motorcycle. Something like that, right?
Andy Teasley That’s personal property. This is real estate. Trade my mobile home park for your triple net drug store.
Joey Romero Okay, there you go.
Andy Teasley So and that’s the way it was. And then. And then Starker sued and the 1031 changed it. So my property let someone else hold the bag of cash and I’ll go shop. So exchange meetings had decayed quite a bit. And I was really active. Starting in about ’97, I was working in the personal property exchange world, which is very much visual. It’s a white whiteboard kind of meeting where you’re presenting stuff on a board, and then there’s something and you offer on things and you get to the end. So, I was active in the Orange Coast Exchanger down in, Where the swallows come back to San Juan and…
Joey Romero San Juan Capistrano. Yep.
Andy Teasley So I was very active there once a month, but it was really a merchandise meeting. Mike plan has this, and he wants a million bucks. Okay. That’s great. Nobody structure steals. So a friend of mine named Greg and I really wanted to have a more deal driven board.” Like they run in Saint Petersburg. So we kept whining about it and talking about it. And finally, I convinced Rich that the Riverside Club should sponsor. So we did twice a month and exchange meeting that was really a white board meeting, which basically is a big white board with yellow sticky notes on it. And we just grow that. And we figured out that every other week was not as good as every week. And so now it’s every week. It’s at 2:00 in the afternoon on Wednesdays. It is a combo meeting with both in-person and zoom and the meeting because the facility there at the FIRE Center is so nice and we have such great control, we keep the room quiet. “So the the zoom experience is very good. Where the meeting I was in this morning and Saint Petersburg is held in a Denny’s. So you have to deal with rattling, rattling plates and the shake machine is right on the other side of the room. So the zoom experience is very limited there.
Joey Romero Okay.
Andy Teasley So we built it and it’s, it’s I think it’s perfect, but then I’m prejudiced because, you know, I run it.” So every Wednesday we we jump right on the board at 2:00, we start putting real estate on that board. And our format is we’ll put three pieces the real estate up. And if anybody wants to make an offer anywhere in that time, they can. Then we put three pieces of money up. And anybody who wants money can make an offer at any time they want. Then we put three notes up that’s existing notes. There’s so many won’t want to trade for something else or to be created notes, which is I want to borrow on this asset. And then we get to stuff, which is always fun because you never know what the heck’s going to be on stuff. We’ve had boats and I’ve sold multiple cards in that room. Had a popcorn machine once. We’ve had everything on there. So. And right about 15 minutes in, we do our disclaimer actually, basically tells you where your big boy pad. So what you decide is not our fault.
Andy Teasley Yeah.
Joey Romero We point out multiple times in the meeting that all offers are subject to due diligence. It’s sticky notes on a whiteboard.
Andy Teasley It’s not a binding contract. So if you trade for a mansion, you need to go make sure that it’s got the same number of square footage you thought. And it’s not like that house that did. Well, Bruce talks about that look great in the picture, but everything from the front fascia back was burnt to the ground.
Joey Romero Yeah.
Andy Teasley So we tell you again in the exchange meetings, it’s wonderful because you have the ability to make offers, knowing that if you’re made an offer and you go find out that the person that was presenting was not being just and fair and what he presented, you can say, no, we’re not going to close. And that’s fine. Everybody understands. That’s why it works.
Joey Romero Okay.
Andy Teasley So we, we do a ton of business. We generally get between 5 and 15 commitments to do deals in every Wednesday.
Joey Romero Wow.
Andy Teasley Yeah.
Joey Romero That’s caliente. That’s hot.
Andy Teasley That’s a huge volume of business. Yes.
Joey Romero All right, so the last thing I’ll talk about is what is “”The Weekly What If?”””
Andy Teasley So, my first idea for how to solve the problem of people coming to my class who said they knew how to use a financial calculator later because they took a class, went home, put to put the calculator in their desk drawer and had not taken it out, said was to concoct the newsletter that comes out every week with three calculator questions an easy a medium and a hard. The answer to the prior week’s three calculator questions. And then on top of that, I added upcoming vetted education which your classes that are from non-gurus educators that don’t need your money. And then I added at one point I started adding all the good exchange meetings I attend nationwide, as I typically do eight hours of exchange meetings every week.
Joey Romero Oh wow.
Andy Teasley Two hours on Wednesday, two hours on Thursday and four hours on Friday. Because I go to the Ohio meeting and I go to the Utah meeting, they follow one after the other. So and that’s the best creative finance class in the country is going on an exchange meeting and paying attention. So The Weekly What If? it’s a free weekly newsletter comes out every Sunday. As I said, you get three calculator questions. The answer to last week’s three calculator questions, upcoming vetted education. And I believe I have almost every good non guru class in the country listed in that newsletter. And if I don’t, somebody needs to let that instructor know he needs to talk to me.
Joey Romero One of the things I like about it too, is that you actually tell them in that “Weekly What If?” which ones you’re actually going to show up to, also. Not not to teach, but to just show up and they take the class.”
Andy Teasley Oh yeah. My, my 92-year-old father reads it every freaking Sunday. He can’t figure out a financial calculator for his life, but he says that’s the only way I can keep track of where you are. If so, like this week, I’ll be flying to tap on Tuesday because I like spending a week in Tampa if I’m going to go there because there’s just so much great, great. They have just a ton of REIA’s and events there. And then John and Peter teaching next weekend, and then I’m flying from Tampa down to Akron, Ohio, where I’m going to teach my class for the local Akron REIA. And then I get to come home.
Joey Romero Now, the last, the last thing I’ll mention from your Weekly What If is I truly, really like the fact that you say if you can hug your dad.
Andy Teasley Absolutely, absolutely. I tell you what, we have lost so many great.
Joey Romero Recently, recently too.
Andy Teasley We just lost one of my good friends, Larry Harble just passed away last week. And it was devastating. He didn’t, he wasn’t unhealthy. He had a virulent, horribly, horribly virulent, lung cancer that was diagnosed in two days later. He was dead. I mean, it was it’s not like, gee, you’re going to suffer for a while. And I mean, Bob Clark had lost half a lung in 40 years before he lost the rest of his lung and…
Joey Romero Yeah.
Andy Teasley That this was just some really, really nasty stuff. But then he was a union welder for a lot of years. Lord knows he’d beat the hell out of his lungs and it happens, I guess. But, the Florida six pack is down to two, and everyone has an opportunity to spend a weekend with those two guys at. And quite frankly, they’re a great tag team because Pete’s overwhelming. And John is pretty basic. And let’s you let your mind go. We lost we lost Dyches last year.
Joey Romero Yeah. You go to the list of the Tony Award winners, and it’s like Matt.
Andy Teasley I think Pete’s the only one left isn’t he?
Joey Romero Well, John got one, too. So there’s…
Andy Teasley Oh, John. Okay.
Joey Romero There’s it’s almost half of them.
Andy Teasley Yeah. Yeah. So it’s man, I tell you what, Nick looks so much like Hagrid in that, in that horrible brown suit.”
Andy Teasley Well, it’s it’s what I call a real estate prom. Like, that’s the one time of the year where everybody gets dressed up. Well, problem is, Mick a little was always a little too large to go to the Salvation Army and buy a tux.
Joey Romero Yeah.
Andy Teasley He was too cheap to rent one.
Joey Romero Well, Andy, how can how can, people get ahold of you? Where can they find you?”
Andy Teasley Oh, my phone numbers right there on the screen. So you certainly can call me any time now.
Joey Romero Can you point it, like, say, where’s it at?
Andy Teasley Like, you know, where we go? It’s right. There it is. Look at…
Joey Romero The other way. The other one. Go to the other corner.
Andy Teasley Oh that’s my, really?
Joey Romero Yeah.
Joey Romero They’re not. Yeah.
Andy Teasley They’re backwards. Interesting. Okay, I do look, it’s funny because I look normal. And on my computer at home I look reversed.
Joey Romero Yeah.
Andy Teasley Anyway, so that’s my phone number. If you send an email to andythechristmasguy@yahoo.com, no trees, just Christmas guy. You can sign up for my newsletter. It’s free. I don’t know, you guys put links on this thing or.
Joey Romero Yeah, we will, we will.
Andy Teasley You can put the link in for that. And if you have a good real estate structured question, call me, because it might turn into one of my Weekly What Ifs. Like I said, I have to write 150 unique calculator questions every year. That’s three a week for 52 weeks. I need inspirations.
Joey Romero There you go. And we know we can find you on Wednesdays, right?
Andy Teasley Absolutely. And that’s like I said, that’s right across the street from your old office.
Joey Romero Yeah. Over there on, off of Chicago. In Iowa. Yes. So, Andy, thank you so much. I really appreciate you jumping on. It’s it’s good to talk to you. And it’s good to see you, see you out there, still active and doing all the things that you do for everybody in the real estate investment world. So I appreciate it. Thank you so much.
Andy Teasley I appreciate the invite.
Narrator For more information on Hard Money Loans, Trust Deed Investing and upcoming events with The Norris Group, check out thenorrisroup.com for more information on passive investing through the DBL Capital Real Estate Investment Fund, please visit DBLcapital.com.
Joey Romero The Norris Group originates and services loans in California and Florida under California DRE license 01219911. Florida mortgage lender license 1577 and NMLS license 1623669. For more information on hard money lending go to thenorrisgroup.com and click the hard money tab.
