Christina Kovacs is a residential broker and owner at Home Agency, a full-service boutique real estate brokerage in Fort Lauderdale, FL. She is also a single-family real estate investor. In this episode, she discusses how she continually pushes herself out of her comfort zone despite her introverted tendencies, how increasing her network has paid off, and her plans to begin raising capital.
Christina Kovacs | Real Estate Background
- Residential broker and owner at the Home Agency, a full-service boutique real estate brokerage in Fort Lauderdale, FL. She is also a single-family real estate investor.
- LP of 731 units
- JV partner of 54 units
- Based in: Fort Lauderdale, FL
- Say hi to her at:
- Best Ever Book: Crushing It by Brian Murray
- Greatest Lesson: Proximity is power and never stop learning/growing.
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Ash Patel: Hello, Best Ever listeners. Welcome to the best real estate investing advice ever show. I'm Ash Patel, and I'm with today's guest, Christina Kovacs. Christina is joining us from Fort Lauderdale, Florida. She's a residential broker, and the owner of The Home Agency, a full-service boutique real estate brokerage. Christina's portfolio consists of being an LP on 700+ units, and a JV partner on 54 units. Christina, thank you so much for joining us, and how are you today?
Christina Kovacs: I'm great. How about yourself?
Ash Patel: I'm very well, thanks for asking. Christina, before we get started, can you give the Best Ever listeners a little bit more about your background and what you're focused on now?
Christina Kovacs: Yeah, so I started with just some live-in flips in 2009, full gut job on a property that we paid $55,100 for here in Fort Lauderdale. It was all of our cash at the time, and then the rehab budget was on 0% interest, credit card transfer balances, and just juggling it. So that's how the bug really started. And then just did a couple more live-in flips over the next few years, and then transitioned to flipping with some partners here in South Florida. And then in 2019, learned more about multifamily and started to dig in.
Ash Patel: What did you learn about multifamily in 2019?
Christina Kovacs: That I could scale, make it a proper business, not be running all over... I really just saw the opportunities were endless, but I still didn't know that much. So I had a couple of short-term rentals in three different states, actually. So I was enjoying that initially, but then I realized it was exhausting, and I didn't want to do that anymore. And the flips - same thing, it just gets to be very tiring. But when I sold those short-term rentals to put that cash back into multifamily, but I was pretty ignorant at the time about knowing what exactly it took to get into multifamily... You can't just get into it a 10-unit even without having experience in multifamily in the past.
So after having a great conversation with Julie from Old Capital, she made me well aware that I need to start networking and build that team in order to get into this space.
Ash Patel: Okay, a couple things... You had three short-term rentals in three different states. You know, Florida is like the epicenter of short term rentals, right?
Christina Kovacs: So one was in Florida...
Ash Patel: Okay, and where were the other two?
Christina Kovacs: Vermont and Connecticut. Because I'm originally from Vermont, and my husband's from Connecticut. So we wanted to spend time in New England more.
Ash Patel: Vermont and where?
Christina Kovacs: Connecticut.
Ash Patel: Oh, Connecticut. Okay, cool. I'm from Jersey, I get that. But damn, that's not the smartest thing, huh?
Christina Kovacs: No, no, no. It was just a lifestyle choice as well. But that lifestyle was not as glorious as I thought it was gonna be.
Ash Patel: Okay, and that's good, because you felt some pain. Things were probably overwhelming at times, and you were thinking, "There's got to be a better way." So what was it about multifamily -- more importantly, how did you learn more about multifamily, and what did you do to start networking?
Christina Kovacs: Through your podcasts, and Bigger Pockets, and other podcasts, and then -- [00:03:43.28] I know we're gonna get to a book later on, but that book really -- to see someone's experience and what they went through in a completely different industry, and then went into the multifamily asset class, it showed me that it was possible. And to see some of the struggles that he went through... I was like, "We can do this. We'll get on to this next level."
Ash Patel: What did you do to network?
Christina Kovacs: When I realized that I had to start networking more, build a team and get experience with people that had more experience than me on the team, I joined Jake and Gino. So I interviewed a couple different mentorship mastermind groups, and I've just felt most comfortable with them as a really good family setting, where I felt comfortable even if I was going alone... It just was welcoming.
Ash Patel: So Christina, it takes more than joining a mastermind to network. What are some tips that were effective for you?
Christina Kovacs: Well, just showing up, first of all; that was hard. It was really hard, because I'd never really networked before. When you flip a house, or you have your own short-term rentals or long-term rentals, I don't have to network. Within my brokerage I work with my clients, but I really don't get out there and network too much. So just showing up was the hardest part, so to overcome that... And then when you're there, just providing value wherever you can. And be humble. You don't know what you're doing.
Ash Patel: I love that. Showing up. Not to get too personal, are you an introvert?
Christina Kovacs: I become one as I get older.
Ash Patel: Okay. And that happens. I've known a lot of people that when they were younger... My brother is one. He was the life of the party at ever college party. And now he's very introverted. It's not a bad thing, right? Some of the most successful people in the world are introverts. They're hyper-focused. So how do you push yourself out of your comfort zone to show up?
Christina Kovacs: One of my LCS is JFDI LLC, it's Just Effing Do It. So I just have that mindset. That's my Peloton name, too. I just know I have to do it, and get it done, and stop thinking about it, overanalyzing... That's the worst part, is when people just think too much about something. So I've just gotta get out there and do it, and make it happen.
Ash Patel: I love it. And what is LC?
Christina Kovacs: Oh, sorry, one of my LLCs is JFDI.
Ash Patel: Oh, LLC. Sorry. Okay. I didn't know if that was an acronym in your mastermind, or something...
Christina Kovacs: No.
Ash Patel: Good. And how has increasing your network paid off? Are there specific examples of deals that you got done, or capital that you raised?
Christina Kovacs: Yeah, leveraging other people's experience. So in the most recent deal that we've closed on, in September - first of all, it took me over a year of networking to find the right team and find the right people, and [unintelligible 00:06:16.28] with the best. And in addition, I also joined MIH, a few months ago, just to really hone in even more on a level that was more intimate, too. Because Jake and Gino is great, but you can definitely get lost in the crowd a little bit. And in MIH, you're in a more intimate setting, with groups, you get to know people on a deeper level... And that's really helpful, especially for someone that's more introverted.
So with the recent deal that I'm in, I'm leveraging my partners that found the deal; not only they have this amazing market in Kansas City, where they know it inside out... They already owned 130 units previously on their own... But they also had a property management company. So they're vertically integrated. So on this joint venture deal, I am learning so much from them, from their experience. So leveraging other people's experiences, and obviously our cumulative net worth to get everything - everything is part of it.
Ash Patel: I love it. And are you solo, or do you have partners? And is it partners just on deals, or is it partners on your entire company going forward?
Christina Kovacs: For my company, it's just me and my husband, but I'm the main operator. We call each other each other's backup dancers. So with his company, I am there fully supporting and helping him wherever he needs, and then with our real estate, he's also there to help and support. But I'm the main person.
Ash Patel: What is his company?
Christina Kovacs: Miami Wired. It's an audio/video company here in South Florida. So he does high-end residential homes, some commercial, and also some cruise ships, like Royal Caribbean and Silversea.
Ash Patel: Okay, so he's not totally involved in real estate, but is he involved to some extent? Does he help you find deals, analyze deals?
Christina Kovacs: No, he helped on our single-family side of things. He helped come in and do some rehab work, especially with the electrical side and the A/V side. But then on the multifamily side, he is the best -- just being an awesome, fun person to be around. So him at networking events - it builds our credibility as fun people.
Ash Patel: That's cool. That is incredible.
Christina Kovacs: Yeah.
Ash Patel: So here's where I'm going with this... Why not consider getting a partner?
Christina Kovacs: That's a possibility, too. And really, with this Kansas City group that we're with right now, and then the other partners that are in the JV - there's five of us total - I really hope that we continue on this team. The guys that are the main operators in Kansas City, like I said, the 130 units they already owned were just with themselves; they'd never partnered up before outside of their family. So I'm really hoping that we can continue to grow and cultivate this relationship, and do deals together in that market.
Ash Patel: And that is a great mindset. Just take a deal by deal, right? But what I was also going to say, and you kind of beat me to it with sharing attributes about your husband, is partnerships where there's one introvert and one extrovert are incredibly successful... Because you need somebody that's willing to do the heads-down work, and you need somebody that's the front person at events, on the phone, social media, right? So I love what you have going on. Let's dive into your portfolio. You are an LP on how many units?
Christina Kovacs: 731.
Ash Patel: And how did that come about?
Christina Kovacs: I first started investing with DeRosa group with Matt Faircloth and his team. So there's units in Kentucky and North Carolina with him and DeRosa Group, and otherwise it's with my coach that is in Jake and Gino; I invested in one of his deals with Quantum Capital in Denver, Colorado. So on one deal, I did class B, and I'm going to get the upside in the end, but on the Denver deal I decided to do class A and make 11%. And the reason I chose that for that deal was at the time I started private lending to people within our community, and I'm like, "What am I doing? I'm doing for 10% with a point on the backend, but I can do this LP deal for 11% and still get the cost seg benefits and everything else." So I decided to transition to that.
Ash Patel: Good for you for pivoting. Why did you do Class A and not Class B on that one deal? Why did you want the safe return?
Christina Kovacs: I felt more comfortable. The Quantum - they specialize in older buildings. So even though a lot of the guts in those buildings had been renovated, I just felt more secure being the next level in the debt structure... Because one building was [unintelligible 00:10:33.11] So it just felt like a safer bet for me. And I also liked the idea that I was replacing one form of income with another. So it was a better benefit with the extra percentage point in interest, plus I got the tax benefits.
Ash Patel: Alright, so now you know how to grow money. Why are you investing as an LP in other people's deals?
Christina Kovacs: It's because I want to cultivate relationships more. I want to see how their systems and processes go, I'm learning from them as we go along on their updates... So there's a lot of benefits to being an LP, and just passively making money while learning.
Ash Patel: I love it. Tell me about your JV deals.
Christina Kovacs: I only have one, and we just closed at the beginning of September. So it's very new in the process; I'm assisting on the asset management side, but my job is very easy, because the two guys are, like I said, vertically integrated, have a lot of experience... So I'm learning so much from them. And we did it as a 90/10 split, because they found the deal, they have the most experience, everything, and that was a really fair structure, all of us felt. And then they brought in a ton of capital, too. So it just was a really amazing deal to know the confidence level with the lead operators on that deal.
Ash Patel: Christina, what was your role on this deal?
Christina Kovacs: So bringing capital. I brought in about 268k, and all four partners did, and then the lead operator brought in the rest. And everyone that we knew, I'd known for almost a year, minus the lead operators; we've met recently. But their experience and track record was good enough for me, and the reputation within the community.
Ash Patel: Where are these 54 units?
Christina Kovacs: Kansas City, just four miles North of downtown.
Ash Patel: Okay. Do you remember the purchase price?
Christina Kovacs: 4.350.
Ash Patel: And was it a Class B or class C property?
Christina Kovacs: Class D, but in a B area. And we have a CapEx budget of almost $700,000. So over the next 18 months, we hope to get all of that completed, and execute the business plan.
Ash Patel: What was the total capital raise?
Christina Kovacs: 1.5.
Ash Patel: Okay. So you raised enough for the downpayment, and enough for renovations as well.
Christina Kovacs: Exactly. And we did 75% loan to cost with the bank.
Ash Patel: Okay. And you mentioned 90/10 earlier... Is that you get 10% of the GP?
Christina Kovacs: No, so 90/10 is in the joint venture. So the lead operators, who are in Kansas City - they're getting extra 10% of the deal. So the other four partners are splitting the 90.
Ash Patel: Got it. So you all split the 90, they get the 10% bump... Which sounds like a great deal for everybody.
Christina Kovacs: Everybody. Yeah.
Ash Patel: Good. What are you doing to find deals like this? I know you didn't find this one, but...
Christina Kovacs: Yeah, so just networking and leveraging other people's experience and expertise in that market. In Q2 I set out a goal -- because before I was looking within my radius of two and a half hours of Fort Lauderdale, and it was very difficult, and I wasn't getting anywhere... So then in Q2 I decided to make it my goal to find strong operators in strong markets, and I just kept networking, networking, networking, and this is how it comes to fruition. It's Law of Attraction, right? You do get what you keep putting out, and what you keep striving for and working hard for.
Break: [00:13:49.29] to [00:15:48.01]
Ash Patel: Christina, what would you say to somebody who is still in that mindset where they want something in a two-hour radius of where they live? You've got properties all over, both ones that you own and ones that you JV on, and probably ones that you LP on. What's your advice to people on looking much further than they're comfortable with?
Christina Kovacs: Just meet the right people that you feel really comfortable with, because you are not going to have to do this alone. You have to leverage other people and their experience. And that's been the number one thing for me, especially getting outside of my market; I need to be able to know, like and trust these people to the full extent. And not only that, but getting to know these people on a deeper level. Friendships need to be strong. You can go out and have drinks, do whatever it is, whatever you guys like to do together; it's important to have fun at the same time. So have text messages that aren't just about business. It's cultivating that friendship and that relationship with all these team members, and that's something that's super important to me... Because we hope to not sell this recent JV deal. And I hope to get more deals with the same team. So if anyone is just starting out and thinks that they don't have any deals in their backyard, then get out there and network; as uncomfortable as it is, you have to do it.
Ash Patel: Can you share an example of a text message that's non-business to somebody that you recently met?
Christina Kovacs: Our group right now, when we all had dinner, my husband was looking at this old-fashioned, and he was just stirring it, and he's like, "F- yeah!", like that. And then one of the other guys heard him do that, but it was just like -- I don't know. So now it's a thing, to be "F- yeah"-ing things on the text messages. So it just has become fun. It's just like, okay, delinquencies down to 5%, and it gets an F- yeah. So...
Ash Patel: Man, I want to be on your text messages. You guys sound like you're a lot of fun. The $268,000 that you raised on the 54-unit deal in Kansas City - how did you raise that capital? And is that the first time you raised capital?
Christina Kovacs: So I actually didn't raise the capital? I have not raised capital yet. It's just from my own capital, from deals in the past. So that's where I'm at right now. In the future, I see myself raising capital, but probably not until 2023. I have some limiting beliefs with the raising capital, as an introvert...
Ash Patel: Oh, no, no, no... Okay, let's dive. "In the future" is an unacceptable response. And 2023 is just kicking the can. Now listen, I kicked the can for probably 10 years. So this is like the pot talking to the kettle, right?
Christina Kovacs: Okay.
Ash Patel: But I'm gonna play devil's advocate - why not start today?
Christina Kovacs: From my biggest ,thing it's been I want to prove my experience. So I want to show people what we've done in this current deal, and what I've done in the LP deals, and what returns that I personally have experienced... So that's the only thing, is I've been someone that always likes to have a proven track record in everything I do. And I've never had to really bring in other people. So I know what I'm doing is safe, secure, and has so many benefits, and people would benefit... But I'm just not as confident yet to get to that point. But I am learning.
Ash Patel: Understood.
Christina Kovacs: I'll show you right here, actually... Right in front of me I have "Raising private capital" by Matt Faircloth. "The hands off investor", Brian Burke, "Passive investing made simple", Anthony Massino. "Raising capital", Hunter Thompson. I'm on it. [laughs]
Ash Patel: No, no, no, hold on. Don't pat yourself on the back for having those books. All you're doing is buying more time.
Christina Kovacs: Yep...
Ash Patel: You're kicking the can down the road. "Here's my safe zone. After I read these books, I can hold myself accountable [unintelligible 00:19:13.27] raising capital."
Christina Kovacs: Right...
Ash Patel: Now listen, again, I'm not picking on you. You're an awesome soul. But for 10 years, I told myself -- I lied to myself, and I actually said, "I do non-residential commercial deals." So I said there's a sweet spot in strip malls and office buildings between half a million and 1.5 million. That's not true. That's not a sweet spot. It's just that was my comfort zone, and that was my excuse to not have to raise capital. And then I kind of patted myself on the back by saying, "I don't need other people's capital, and I don't want other people's capital." That was just fear coming out.
10 years... So you're new to the game. I'm going to save you a lot of years. You have to realize that there's so many people out there that don't know how to grow capital. When I was in my 20s, I'd go to my CPA and I literally asked him this, and I said, "Hey, should I pay off my house early?" He's like, "What's your interest rate?" Let's just say it's 5%. And he's like, "Well, if you can't grow your money more than 5%, or don't have a guy or girl that can grow their money more than 5%, then you're doing something wrong." And I was too egocentric to tell him that "I don't have anybody." Look, there's so many people like that out there, that don't know how to grow money, or they've entrusted their money to a financial planner or a guy that everyone else uses, and they're not confident that this person is doing well, and at times they're not doing well, because they're not getting individual attention, right? With the market fluctuating a lot, you guys should be getting phone calls from your financial people saying, "Hey, let's talk about this." And if you're not, they're not being proactive, they're just happily collecting a lot of your fees.
So that's a little bit of a rant... When I started taking on capital, it was from a lot of high net worth people that invested in other things that they never got a return in. They invested in things they can brag about - restaurants, bars that they can go to, and lift up their shirt and say, "Hey, this is my bar." "No, it's not. You're like a quarter percent owner, but it gives you bragging rights, and that's great." Marijuana companies, right? Grow operations. And none of these things made them any money. So when they came into my deals, and they started getting consistent checks, they were blown away.
So I need you to realize that you're doing people a favor, and it's a burden that you're taking on, but they know that there's risks involved. You have to understand that, and you have to get out of your own way. You've already done the hard part, which is networking. Do you ever send out a newsletter?
Christina Kovacs: I don't have a CRM at all. I'm working on it; even my website, right now I have a goal to get that done in the next month, latest. It's done, but it's been pretty much a brochure to attract other operators, because that was my Q2 goal, was to get strong operators in strong markets. But now I need to be shifting my focus to show the benefits.
Ash Patel: Okay. You know you don't need a CRM system to send out newsletters, right?
Christina Kovacs: No, I know.
Ash Patel: Okay. So my first newsletter, I didn't have a CRM, and it was only - I don't know, a couple of years ago. I used Google Sheets for CRM. But anybody I came across, I would throw them in there. And then I sent out one newsletter to hundreds and hundreds of people, and I spent the next week and a half literally fielding phone calls and texts, talking to people that I haven't talked to in 20 years. And they're like, "Hey, I've got 300k. I'm looking to get into real estate, but I just don't know what to do or how to get started. So if you have a deal, let me know."
You'll be amazed at how much capital you will raise if you ask. And you've never asked, right?
Christina Kovacs: Never.
Ash Patel: So other people can differ than me on what I'm going to say next, but I would have the deal first, and then ask for money. If you ask for money, and you don't have a deal, everybody's like, "Yeah, I'm in. I'm in. Come on, I get that." When it comes time to wire the money, half the I'm-ins or more are gone. So have a deal. Offer to raise money for somebody else. Even if you get nothing out of it, just do one. That's it. And then come back, email me, and I want to deep-dive into your first deal that you raise money on, and let's share that story with the world.
Christina Kovacs: Okay. Awesome.
Ash Patel: But I need you to do a newsletter. The first one - there's no ask in there. It's just you telling the world what you're working on, what your husband's working on, how you guys make a great team, ways that you've pivoted in real estate, and what you're looking to do next. And then share maybe a humbling experience, or a failure where you learned a lesson. When people share failures, they really connect with people.
Christina Kovacs: Yeah.
Ash Patel: So do that. And it doesn't have to be a miserable failure. Just a lesson learned, whatever it is. And then have an ask in there. "How are you guys using your time efficiently? Is there anything you can recommend?" Or "How do you balance work and life? Do you have any tips?"
Christina Kovacs: Ask for advice.
Ash Patel: Ask for something to keep the communication going. One page. My opinion - and again, I'll probably get blasted for this, but no MailChimps, no crazy formatting... A simple newsletter. No colors. You can do bold and regular, and bullet points, but that's it. Minimize the formatting, so it doesn't come across as a marketing email, because it's not. It's a connection that you're trying to make with your existing contacts.
Christina Kovacs: No, I totally get that. Because honestly, a more personable approach, you get a regular email... That's why handwritten letters work better than marketing materials in the actual mail.
Ash Patel: Yes. And Christina, after you send out that newsletter, take the next week off, because I'm telling you, people will want to communicate with you. They're gonna call you, text you, and it's gonna be great.
Christina Kovacs: Awesome.
Ash Patel: So sorry for that rant...
Christina Kovacs: No, it's great. I appreciate it. That was also like a humbling -- it's like, okay, you're right. I need to do this. So I appreciate it.
Ash Patel: Hopefully, I've inspired you a little bit...
Christina Kovacs: You did, you did.
Ash Patel: And what I'm going to ask you next is what's a tough lesson that you've learned -- because you've done so much already... You've pivoted a lot, you've done a lot of different types of deals... I'm going to ask you this, that I normally don't ask people - what's the hardest lesson you've learned about business? And then what's the hardest lesson you've learned about people so far in this business?
Christina Kovacs: I will start with people. I'm gonna say, "Stop thinking what other people are thinking." That's something that I've worked on and I've gotten better at.
Ash Patel: Stop worrying about what other people are thinking?
Christina Kovacs: Yeah, and what they're thinking. Don't assume anything. Assumptions are never going to get you anywhere. And also, don't worry about their thinking. Or else I never be getting in space, I never would have the courage to show up at these networking events.
Ash Patel: That's a tough one. That's good. We can all benefit from that.
Christina Kovacs: Yeah. And then in business, start today, not tomorrow. I feel like a lot of times it's just wasting time.
Ash Patel: That's your Best Ever advice.
Christina Kovacs: Oh, sorry.
Ash Patel: I want to hear about a deal you lost money on.
Christina Kovacs: I've never lost money on a deal. I've done really well.
Ash Patel: How about a deal that you lost, that you didn't get?
Christina Kovacs: One of my short term-rentals that I sold, I regret selling... And it was because I was fearful of the market during the pandemic. And it was such a great house, and in a great area... And obviously, the short-term rental market went nuts throughout the end of 2020 and all of 2021. So that was something that I regret doing. And my husband was like, "Don't sell, don't sell", and he let me make the decision. That's how awesome he is... And then in the end, I quickly realized that was stupid. And so stupid that I actually bought another house half a mile away recently.
Ash Patel: Right. Just realize, you never go broke making a profit. So you can't always win timing. So I don't think it was stupid. I think you made a business decision. It's okay. Alright, Christina, are you ready for the Best Ever lightning round?
Christina Kovacs: Yes, I am.
Ash Patel: Alright, Christina, what's the Best Ever book you've recently read?
Christina Kovacs: The Brian Murray book is so important, because it's what got my interest piqued with multifamily, Crushing It. So that's a very good book. I've recently read it again, and that has been really transformational, about how you can live in that gap... And there's no point; just focus on the gain. And that's what I feel like this whole journey has constantly been, is knowing that that next step is possible, and you're going to do it, and you're going to get it done... Rather than living in the "I'm not there yet. I don't have a deal yet."
Ash Patel: Yeah, I recently shifted my mindset the same way. So great advice. Christina, what's the Best Ever way you like to give back?
Christina Kovacs: Traveling is a huge part of our lives, and most of the time when we travel, I try to reach out to a local hospital, orphanage etc. to see what I can do to help while I'm there, if I can be of service, or if they need some supplies that they can't get locally. One example is in Vietnam, an orphanage, they needed some Mac Apple products that they could not buy locally. And someone had donated Apple computers a couple years ago, and then things started to go [unintelligible 00:28:26.14] chargers... So I could easily bring those over there when I came. So things like that.
Ash Patel: Christina, how can the Best Ever listeners reach out to you?
Christina Kovacs: My website's Christinakovacs.com, and that has my Calendly link on it. And I would love to have calls with you, just to learn about you and see where I could add any value possibly.
Ash Patel: Christina, thank you so much for taking the time out of your day and joining us today. You've got an inspiring story where you continue to pivot, you continue to push yourself out of your comfort zone. You do bigger deals, you learn as you grow, and I can't wait to see what you're going to do next. I want to hear from you when you raise capital for your first deal. Please let me know when that happens.
Christina Kovacs: I definitely will, and thank you so much for the encouragement. I really appreciate it.
Ash Patel: You're awesome. Best Ever listeners, thank you so much for joining us. If you enjoyed this episode, please leave us a five star review. Share this episode with someone you think can benefit from it. Also, follow, subscribe and have a Best Ever day.
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