The MORE Show - Justin Colby, Bleav, Justin Colby

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$65 Million in Rentals and Not One Mortgage | Pat Grace Oct 13, 2026

Show notes

Most real estate investors are building a portfolio the same way buy, rehab, refinance, and watch their equity get trapped behind the walls of a mortgage while they pay heavy front-loaded interest for years.

Pat Grace built $65 million in rental properties across 200 single family assets doing it completely differently and he does not have a single traditional mortgage. In this episode of The M.O.R.E. Show, Justin Colby sits down with Pat Grace, who discovered a banking strategy used widely in Australia that is almost completely unknown in the United States, and used it to build one of the most liquid and flexible real estate portfolios you will find anywhere. Pat breaks down his BERLOCQ method a line of credit-based approach to real estate financing using simple interest instead of compounding amortized debt and why once you see it, you cannot unsee it.

KEY TOPICS COVERED

Why traditional mortgages trap your equity and cost you far more than most investors realize
The BERLOCQ method explained using lines of credit instead of mortgages to build a rental portfolio
How Pat built $65 million in real estate with $35 million in available line of credit and zero traditional debt
Why simple interest lines of credit beat compounding amortized mortgages every single time
How one investor saved over $1 million in interest just by switching to this strategy
How to get started with lines of credit from your first $750K line to scaling across all 50 states

️ TIMESTAMPS

00:00 — $65 million in rentals with zero mortgages the cold open

00:30 — Introducing Pat Grace

00:52 — What M.O.R.E. stands for and why this episode matters

01:43 — How Pat learned this strategy in Australia

02:07 — Why he left traditional mortgages behind

03:10 — How he started just like everyone else

04:30 — The problem with the BRRRR method most people miss

06:00 — Explained lines of credit vs amortized mortgage debt

12:00 — $35 million in available line of credit how Pat structures it

18:00 — How to approach a bank and what to ask for

25:00 — Unlocking trapped equity without a traditional refinance

32:00 — Using lines of credit for new construction and beach houses

38:00 — Protecting assets trusts, entities, and structure

43:00 — Pat's calculator save over $1 million in interest

44:00 — How to get started in all 50 states

46:00 — How to reach Pat Grace and get his free calculator

Connect with Pat Grace

Facebook: Pat Grace (search and friend request mention Justin Colby or The M.O.R.E. Show)

Free calculator, workbooks, and resources available DM Pat on Facebook to access

About The M.O.R.E. Show

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

He Lost Everything in 2008 and Built It All Back | Chris Prefontaine Oct 06, 2026

Show notes

Most real estate investors think you need a bank, perfect credit, or a pile of cash to do deals. Chris Prefontaine has been proving that wrong for decades and he survived the 2008 crash to build one of the fastest growing real estate companies in America three years running on the Inc. 5000 list. In this episode of The M.O.R.E. Show, Justin Colby sits down with Chris Prefontaine, founder of Smart Real Estate Coach and author of the 3 Paydays book series, to break down exactly how creative financing and terms deals work in today's market, why subject-to and owner financing are some of the most powerful tools available to any investor right now, and why the most dangerous thing you can do is chase shiny objects instead of going deep on one strategy.

KEY TOPICS COVERED:

Creative financing explained, how to buy real estate without banks, cash, or credit
Subject-to and owner financing deals, how they work and why sellers say yes
The 3 Paydays model, how to get paid three times on every single deal
Why Chris survived the 2008 crash when most investors did not and what he learned
Shiny object syndrome: why chasing two rabbits means catching zero
Why you should follow someone who has been through real market cycles, not just a bull run

️Key Moments

00:00 — Foreclosure, the repo man, and starting over

00:52 — Introducing Chris Prefontaine

01:10 — Three years on the Inc. 5000 list

01:43 — 82 active markets — real deals, not theory

02:15 — The guru epidemic

03:45 — How the coaching community works

04:03 — Subject-to, owner financing & lease options explained

07:00 — The 3 Paydays model

12:00 — How to get sellers to say yes to creative terms

18:00 — Creative financing in today's market

22:00 — Shiny object syndrome & Chris's six laws

23:43 — Chase two rabbits, catch zero

24:22 — Follow someone who has the life you want

25:00 — What success actually looks like after the scars

26:06 — Free workshop & how to get the 3 Paydays book

27:25 — Where to find Chris Prefontaine

Connect with Chris Prefontaine:

Website: smartrealestatecoach.com

Book: 3 Paydays visit 3paydaysbooks.com/more for a free copy

Free Workshop: smartrealestatecoach.com/masterclass

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How to Reinvent Yourself When the Market Shifts | Brandon 'Rockstar' Rooks Sep 29, 2026

Show notes

Most real estate investors know how to build in a bull market. Very few know what to do when that market turns against them. In this episode of The M.O.R.E. Show, Justin Colby sits back down with Brandon Rockstar Rooks a capital raiser who spent a decade building a $100 million land entitlement business in the southeast, working with some of the biggest national builders in the country and who hit major headwinds when the market shifted in late 2024. Brandon shares exactly what happened, why he is not embarrassed to say he is on his third reinvention, how he is pivoting into private lending, note buying, and distressed debt, and why the most dangerous thing an investor can do right now is stay loyal to a business model that has stopped working.

KEY TOPICS COVERED:

How Brandon built a $100 million land entitlement business working with the biggest national builders

Why national builders don't want land on their balance sheets and how that creates opportunity

What went wrong in Q4 2024 and why the land entitlement market shifted dramatically

How Brandon is pivoting into private lending, note buying, and distressed debt

Why it is okay to start over at 40 and why staying loyal to a broken business model is not

The mindset of reinvention how to know when to pivot and how to do it without losing everything

️ Key Moments

00:01 — Introduction: Brandon Rockstar Rooks returns to The M.O.R.E. Show

00:32 — The Boardroom Mastermind what it is and how to get access

01:11 — Lending is getting weird what Justin is seeing in the market right now

01:31 — A decade of land entitlement capital raising how it started

02:13 — Why 15% annualized returns became the minimum standard

02:49 — How the land entitlement model works ground, permits, sell to builders

03:16 — Why national builders don't want land on their balance sheets

04:01 — First deal: $3M parcel in Charlotte NC 99 townhomes

07:00 — How the $100M raise was built and what drove it

15:00 — What changed in Q4 2024, when the market shifted

20:00 — Pivoting into private lending, note buying, and distressed debt

28:00 — How to know when your business model has stopped working

33:00 — The Dan Martell post, it is okay to start over at 40

37:00 — Round number three, reinventing again and why that is okay

39:00 — Relationships, markets, and staying ready to pivot

40:00 — How to connect with Brandon Rockstar Rooks

Connect with Brandon Rockstar Rooks:

Website - www.rockstarcapitalfund.com

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your Title Company Is Killing Your Deals, Here's Why | Ash Selle Sep 23, 2026

Show notes

Most real estate investors have had a deal fall apart at the title company not because the deal was bad, but because the title company did not know how to handle it. In this episode of The M.O.R.E. Show, Justin Colby sits down with Ash Selle, founder of Phoenix Closing and a 25-year title and escrow veteran who has handled tens of thousands of transactions across 7 states. Ash Selle breaks down exactly how investor-friendly title works, how to close hairy and complicated deals that other title companies won't touch, what really happens inside a title company when your deal goes sideways, and why subject-to deals, double closings, probate, and foreclosure transactions require a specialist not a generalist.

KEY TOPICS COVERED:

What an investor-friendly title company actually does differently from a traditional one

How to close subject-to deals, double closings, probate, and foreclosure transactions correctly

Why buyers are backing out last minute right now — and what title companies are seeing on the front lines

The biggest mistakes real estate investors make when working with title and escrow

How to find and work with a title company that will fight to get your deal across the finish line

What sellers in distress foreclosure, divorce, death, prison, need from a title team

️ Key Moments

00:01 — Introduction: Ash Selle founder of Phoenix Closing

00:23 — 25 years in title and escrow tens of thousands of transactions

00:45 — Phoenix Closing explained investor-friendly title in 7 states

01:00 — How to reach Ash Selle: phoenixclosing.co and (612) 248-6108

01:45 — What is happening in the real estate market right now from the title side

02:08 — Why buyers are backing out last minute and getting cold feet

03:47 — Distressed sellers: foreclosure, divorce, prison, probate, and death

04:09 — Interest rates why nobody on the front lines is complaining about them

07:00 — Subject-to deals explained and how to close them correctly

12:00 — Double closings what they are and how investor-friendly title handles them

18:00 — Probate and estate sales what makes these transactions complicated

22:00 — What title companies see that investors never know about

26:00 — How to be a better investor when working with your title team

29:07 — Ash Selle's advice: be kind title coordinators have multiple files

29:40 — Where to find Ash Selle and Phoenix Closing

Connect with Ash Selle:

Website: phoenixclosing.co

Phone: (612) 248-6108

Facebook: Phoenix Closing

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why There Are No Great Markets, Only Great Timing | Neal Bawa Sep 18, 2026

Show notes

Most real estate educators tell you to master one market and stay in it forever. Neil Bawa thinks that is wrong and lazy. In this episode of The M.O.R.E. Show, Justin Colby sits down with Neal Bawa, known as the Mad Scientist of Multifamily, a former data scientist and tech company founder who has built a portfolio of over 4,000 apartment units across 7 states with $400 million under management and 1,150 active investors. Neil breaks down why his data-driven approach to real estate outperforms gut instinct every single time, how he sold out a 237-unit apartment syndication in four hours, why he learned never to invest in Chicago again, and how he is now using fully automated AI underwriting to evaluate deals faster than any human team can.

KEY TOPICS COVERED:

Why there are no great markets in America only great markets at certain points in time

How Neil sold out a 237-unit apartment syndication in four hours using a nurtured email list

The tax strategy that forced Neil into syndication and how it built his entire empire

Why Neal left single family behind and went all-in on multifamily apartments

How Neal's team uses fully automated AI underwriting to analyze deals at scale

The current distressed deal opportunity in Dallas and why banks are offering concessions to buyers right now

️ Key Moments

00:01 — Introduction: Neal, the Mad Scientist of Multifamily

00:30 — $400 million under management 4,000 units across 7 states

00:53 — Portfolio breakdown: Utah, Idaho, Phoenix, Texas, Atlanta

01:30 — Why Neal jumps markets, there are no permanently great markets

01:54 — Neal's background: data scientist, tech company founder, recovering technologist

02:11 — How real estate reduced Neil's taxes during his tech company years

02:31 — 2013: selling the company, massive taxable event, and discovering syndication

03:21 — How a nurtured email list sold out 237 units in four hours

04:16 — 1,150 investors and $350 million in equity raised

04:41 — Taking investors on property tours and why it changes everything

07:00 — First property: Chicago, $12.5 million, and lessons learned the hard way

10:00 — Why Neal never invests in Chicago again

15:00 — Single family war scars and the pivot to multifamily

20:00 — The four pillars of multifamily including tax benefits

25:00 — Cost segregation, bonus depreciation, and real estate professional status

30:00 — Neil's AI market data tool fully automated underwriting explained

36:00 — The distressed deal opportunity in Dallas right now

40:00 — Buying directly from banks concessions, low interest rates, long IO periods

42:00 — Co-GP model and Deal Flow Fridays

43:00 — Where to find Neal Bawa

Connect with Neil Bawa:

https://multifamilyu.com

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How to Build Authority That Makes Business Come to You | Dana Flanagan Sep 11, 2026

Show notes

Most business owners and real estate professionals are grinding for clients, chasing leads, and wondering why deals don't come to them when the real problem is that nobody knows who they are or what they stand for. In this episode of The M.O.R.E. Show, Justin Colby sits down with Dana Flanagan, known as the Authority Architect, a 25-year real estate veteran with hundreds of millions in commercial and global real estate who recruited 70 agents in 90 days, not by cold calling, but by building the kind of authority and credibility that makes people come to you. Dana breaks down her CIA framework, Credibility, Influence, and Authority, how she used social media before most people knew what it was to build an attraction-based business, and why going viral means nothing if you are not visible to the right people.

KEY TOPICS COVERED:

The CIA framework: Credibility, Influence, and Authority and how to build all three simultaneously

Why visibility to the right people beats going viral every single time

How Dana recruited 70 agents in 90 days using an attraction-based model not cold outreach

Why personal branding beats company branding for real estate professionals and business owners

How CEOs and founders can use strategic positioning to get in front of investors and capital

The biggest mistake people make when building a personal brand and why most quit too early

️ Key Moments

00:00 — How to build authority credibility and influence in business

00:45 — Introduction: Dana Flanagan the Authority Architect

01:16 — Dana's 25-year journey: from residential agent to executive advisor

02:00 — How posting on early Facebook built her first attraction-based business

04:13 — CIA explained: Credibility Influence and Authority framework

07:00 — How Dana recruited 70 agents in 90 days without cold calling

10:00 — Personal brand vs company brand what you should be building

15:00 — Strategic positioning: how to get in the right rooms

20:00 — How to build authority if you are starting from zero today

25:00 — The difference between going viral and being visible to your avatar

35:00 — How CEOs use authority to attract capital and investors

40:00 — Why most people quit their brand before it starts working

43:00 — Going viral means nothing — the 2 million views that got zero DMs

44:22 — Where to find and work with Dana Flanagan

Connect with Dana Flanagan:

Website: danaflanagan.com

Email: dana@danaflanagan.com

Instagram: @danaflanagan

LinkedIn: Dana Flanagan

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why This 27 Year Old Quit House Wholesaling to Make $2M Flipping Land | Caleb Milobsky Sep 08, 2026

Show notes

Most real estate investors are so focused on houses they have completely overlooked one of the simplest and most scalable paths to seven figures in this industry. In this episode of The M.O.R.E. Show, Justin Colby sits down with Caleb Milobsky, a 27-year-old land wholesaler who transitioned from flipping houses to flipping land and built a business doing over $2 million a year in the process. Caleb breaks down exactly why land has fewer variables than houses, how he sources deals across 15 states using SMS outreach, why his spreads are larger than anything he made wholesaling houses, and the exact system he uses to hit the same lists seven times until sellers respond.

KEY TOPICS COVERED:

Why land wholesaling is simpler and more scalable than house wholesaling

How Caleb built a $2 million a year business flipping land at 27 years old

How to find and evaluate land deals using Land Insights heat map data

Why Caleb sends SMS to a million land owners a month — and how the system works

The seven touch frequency strategy that closed a $115K deal in 45 days

How to do land deals remotely across 15 states without ever visiting the property

️ Key Moments:

00:00 — Introduction: why he quit wholesaling houses

00:43 — Why land has fewer variables than houses

01:35 — Building a $2 million a year land business

02:00 — How land wholesaling works for beginners

02:50 — Land Insights software explained heat maps and county selection

03:26 — SMS outreach at scale, a million texts a month

06:00 — How to evaluate land deals and what to look for

10:00 — Wetlands, floodplains, and due diligence for land

15:00 — How Caleb sources deals across 15 states remotely

20:00 — Pricing, spreads, and what land deals actually pay

25:00 — The acquisition process from first contact to close

31:10 — The seven touch frequency strategy, $115K deal example

33:50 — Where to find Caleb Phillips and his free community

Connect with Caleb Milobsky :

YouTube: @Caleb_Flips_Land

Instagram: @Cmilobsky

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Homeless and on Drugs to Raising Over a Billion Dollars | John Fernando Sep 04, 2026

Show notes

Most people in real estate have never heard of mineral rights investing and most people who have heard of John Fernando's story still don't believe it. In this episode of The M.O.R.E. Show, Justin Colby sits down with John Fernando, who went from homelessness, drug addiction, and couch surfing to raising over a billion dollars in capital through oil and gas mineral rights. John walks through the exact mindset shift that changed everything for him, how he discovered the mineral rights space when almost nobody else was in it, why mineral rights are one of the most overlooked and undervalued asset classes in all of real estate, and the single phrase delayed obedience is disobedience that he credits with turning his entire life around.

KEY TOPICS COVERED:

John Fernando's full story from drug addiction and homelessness to raising billions in capital
What mineral rights are, why they are separate from surface rights, and why most people never think about them
How John built a business in a space where almost nobody else was operating
Why oil and gas mineral rights represent a massive overlooked opportunity for real estate investors
The mindset principle of delayed obedience that John learned at a Christian boot camp and applied to business
How to find, evaluate, and acquire mineral rights deals across the country

️ TIMESTAMPS:

00:00 — Delayed obedience is disobedience the story that made John a millionaire

01:16 — Introduction: John Fernando's journey from the streets to billions raised

02:00 — From drug addiction and homelessness to the turning point.

03:10 — The Christian boot camp that changed everything.

07:00 — Discovering mineral rights and why nobody else was in the space.

15:00 — How mineral rights work and why they are separate from surface rights.

25:00 — How to find and acquire mineral rights deals.

35:00 — The oil and gas market right now and where the opportunity is.

45:00 — Building a team and scaling a mineral rights operation.

55:00 — The boardroom level of capital raising in this space

58:00 — Door knocking for mineral rights — including the shotgun stories

01:00:19 — Where to find John Fernando

Connect with John Fernando:

Website: www.firethornholdings.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How to Protect Your Assets Before You Lose Everything | Hillel Presser Jul 23, 2026

Show notes

There are over 100 million lawsuits filed every single year in the United States and you are seven times more likely to face a lawsuit than to get into a car accident. In this episode of The M.O.R.E. Show, Justin Colby sits down with Hillel Presser, asset protection attorney, six-time author, and advisor who has protected over $11 billion in assets for celebrities, athletes, and business owners across the country. Hillel breaks down the single most powerful wealth protection principle the ultra-wealthy use, own nothing and control everything and exactly how to set up LLCs, trusts, and protective entities so that one lawsuit never takes everything you have spent your life building.

KEY TOPICS COVERED:

Why you are seven times more likely to face a lawsuit than get in a car accident and what to do about it

Own nothing control everything the asset protection strategy the ultra-wealthy use.

LLCs, limited partnerships, and trusts explained which one is right for your situation.

How to title your assets into protective entities without losing access or control.

What to do if you are starting a new business today to protect it from day one.

Why your accountant and your tax strategist are not the same thing and why that gap is costing you

️ Key Moments

00:00 — 100 million lawsuits a year, the stat that should scare every business owner

00:35 — Introduction: Hillel Presser and $11 billion in assets protected

01:17 — It's not what you make it's what you keep

02:00 — What the ultra wealthy do to become uncollectable and judgment proof

03:20 — Own nothing control everything explained

04:10 — LLCs, limited partnerships, and trusts — how protective entities work

10:00 — How to pull a HELOC when your home is inside a trust

15:00 — Offshore strategies and advanced asset protection

25:00 — Protecting assets from divorce — 50% chance you need this

35:00 — What happens when a lawsuit hits and you are not protected

40:00 — How celebrities and athletes set up from the beginning

45:00 — The one thing Hillel would tell young people starting out today

48:44 — Start early — why waiting costs you more than you think

50:17 — How to contact Hillel Presser and get complimentary books

Connect with Hillel Presser:

Website: assetprotectionattorneys.com

(Mention The M.O.R.E. Show for complimentary copies of Hillel's latest books)

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your AI Agent Strategy Is Costing You Money | Bill Beck Jul 21, 2026

Show notes

Most real estate investors know the fortune is in the follow-up but nobody on their team is actually getting deep enough into the pipeline to find it. In this episode of The M.O.R.E. Show, Justin Colby sits down with Bill Beck, 15-year real estate veteran, wholesaler, and co-founder of Hey Rafi, an AI-powered follow-up tool built specifically for real estate investors. Bill breaks down how AI is transforming lead follow-up from a human bottleneck into a fully automated system that runs 24 hours a day, why most teams are only scratching the surface of their existing lead databases, and how investors are dramatically reducing their cost per contract by letting AI handle the long-term follow-up pipeline.

KEY TOPICS COVERED:

Why the fortune is in the follow-up and why most teams never actually get there.
How AI is replacing the long-term lead follow-up role in real estate investing
Hey Rafi explained: what it does, how it works, and who it is built for
How to reduce cost per contract using AI automation instead of adding headcount.
Why handing your old leads to an AI system could be your biggest win right now.
The difference between shotgun volume outreach and rifle precision and why AI does both.

️ TIMESTAMPS: 00:00 — Introduction: Bill Beck and the AI opportunity in real estate 00:51 — Bill's 15-year journey from corporate world to wholesaling 03:11 — Building Rise: a 16-person wholesaling operation 04:02 — What led Bill to start leaning into AI 07:00 — Hey Rafi explained: the AI follow-up tool for real estate investors 15:00 — How AI handles long-term lead follow-up better than human teams 20:00 — Cost per contract: what the data is showing right now 25:00 — How to plug Hey Rafi into your existing lead database 28:00 — Shotgun vs rifle: why volume and precision both win with AI 32:00 — How to get started with Hey Rafi 34:19 — Closing thoughts: AI is here and there are great resources

Connect with Bill Beck:
Website: www.heyrafi.com
Instagram: @thebeckblueprint_

About The M.O.R.E. Show: The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market.

New episodes every week.

Learn more: www.timeformore.com
Invest with Elevest Capital: www.elevestcapital.com

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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