Guru Yanuan Pedraza with Highgarden

Rick Ripma: 0:00

Thank you for joining Indys Real Estate Gurus I'm recruitment, your hard work and mortgage guide. I've been in real estate and mortgages for over 34 years, I've helped over5200 folks finance their homes,my team and I believe in custom tailored loans, not a one size fits all approach. We believe there is the right mortgage for you. And we believe we are the team to deliver it. And if you have any questions on any indie real estate or mortgages, please go to HardWorkingMortgageGuys.com.That's HardWorkingMortgageGuys.com, or you can call 317-672-1938.That's 31767 to 1938. And today,I'm very happy and excited to be joined. And I'm gonna let you introduce yourself because everybody who listens knows I will mispronounce my own name.So I'm gonna let you pronounce your name, but I think it's Yarraman

Yanuan Pedraza: 0:53

Yeah, no one.Yawn one. Yes. Yeah. Okay.

Rick Ripma: 0:55

I'm close. Yeah. And your with your with Highgarden.Yeah,

Yanuan Pedraza: 0:58

with Highgarden.Yes.

Rick Ripma: 0:59

Okay. And you, I want to I want to make go ahead and pronounce your name. So everybody knows what it is.Yeah. So you don't want to miss miss anything.

Yanuan Pedraza: 1:09

Okay, so it's yellow and Pitocin? Yes, I work with with Highgarden real estate.

Rick Ripma: 1:13

All right, perfect.And if somebody wanted to get a hold of you have any real estate needs any questions? What would be the best way

Yanuan Pedraza: 1:20

they can contact me through my phone? It's954-663-4961. Again, that's954-663-4961. And they can also find me on Instagram, my handles meet young one. And that's spelled METY A N U A N. That's again, that's me and my name and one. On Instagram. I'm pretty quick to answer any questions over that social media platform.

Rick Ripma: 1:45

Awesome. And, and so how did you? Well, let's, before real estate, where did you grow up? You know, what did you do?Where do you go to school? Those kinds of things?

Yanuan Pedraza: 1:54

Yeah, that's a very interesting question,actually. So I'm originally from from Venezuela from Caracas,Venezuela. Okay. So I was born and raised up until I was about23 years old, which is when I moved to the States with with my girlfriend, who now is my wife.So over in India, so I actually used to be a medical doctor. And then when I came to the States,I actually liked more than I started liking more the the business side of things. So I,you know, I decided to develop more on that on that side. And that's one of the, you know, the reasons why I decided to become a realtor, but we can speak more about that later on. Okay, so

Rick Ripma: 2:41

what what was the drew you to Indiana,

Yanuan Pedraza: 2:44

so honestly, um,so I, in the States, I've lived in a few cities before, before in the so when I, when I first moved here, I actually lived in Washington, DC, beautiful city,by the way, everybody needs to go visit at least once. And then I moved to Miami. And after COVID, actually, me and my family, we decided it was you know, it was the right decision to find someplace else that was a little bit more affordable,and with more, a better place to raise a family basically. So that's, that's when we decided to do some research on you know,up and coming cities and, and cities were where the affordability was high. And as well as the you know, as well as the income, medium income,household income was, was high as well. So we started digging and found out about nd and about the emerging real estate market that it was here, I had already started doing real estate at the moment when we made that decision. So that's it was something that I wanted to keep doing. So that's basically that's what drew us in, right.So we saw the value in India and that's, you know, very much of what I do and we do as a family.From then on, it's, it's basically it's, you know, goes around that notion that India,it's such a valuable location to, you know, plant seeds and watch them grow basically.

Rick Ripma: 4:14

It's really interesting to me because I know how hard it is to get started in real estate. Okay, and and you've noticed you do real estate in Miami.

Yanuan Pedraza: 4:24

I did real city Miami, so I did it for a few months. So I did get my feet wet. But um, but I actually started being a real estate agent, like a realtor. Like a full time thing in Indy.

Rick Ripma: 4:35

Okay, so So you came to Indy, you don't know anybody,I'm guessing are very few people. Right? Okay. What did you do to get going? I mean,you've done phenomenally well.And yet you came here from another country? Yeah. First through Washington DC. Yeah. And through Yeah, Miami. Yeah. And now you're in Indianapolis. Yes.And you decide you're going to be a real estate agent. So it's like maybe your wife is a real estate agent.

Yanuan Pedraza: 5:04

No, no, she's not a real estate. She actually she's a doctor, too. So she decided to actually stay on that on that path. Okay. So, um, no,she's she's a real estate agent.But yeah, what when I first came here, I was like, Okay, I'm gonna, I really like joy doing this, I really want to keep doing this. And one of the reasons I decided to become a realtor was because I actually wanted to be an investor, which is what we started doing in an indie. So coming here, it was like, Okay, I'm gonna make this work. So this has to work. So I,you know, I took the test did everything and then started, you know, started interviewing with different companies. And that's when I landed at Highgarden.And, you know, they helped me tremendously build my business.And in, you know, basically, the mentality was, it can't it can't go wrong, like, I can't fail.And, of course, I have, I had,you know, my wonderful wife back, you know, she had my back throughout the whole process throughout the whole thing. So it wasn't, there was like, no pressure, at the same time. So the only pressure came from within from not wanting to fail,but there was no financial pressure, no, you know, nothing like that. It was nothing but support. So that I feel that helped me translate, you know,the helping aspect of the business towards my clients,which is what I attribute my, my success to, like, you know,really being interested in helping people that's, you know,that's why I do it. And, and I think that translates well, when you don't actually need a paycheck, you know, to go with it. So, yeah,

Rick Ripma: 6:47

I would agree with you, I think. I think even if there is financial pressure, you somebody they have to figure out how to get get rid of that financial pressure. Exactly.Otherwise, you're focused on you not on your client. Exactly. And this is very much a relationship business. Right. Well, the state. Yeah. And I would guess,I mean, I'm just thinking that most doctors are very caring people. Yeah, yeah. Right. Yeah.It's kind of a natural thing.

Yanuan Pedraza: 7:14

Exactly. Yeah.And that it translates really well, to the, to the industry,to be honest. And I think we need a little bit more of that,you know, to make sure that everybody's everybody's well cared for. And, and, and, you know, basically do no harm, you know, we basically do an oath of doing no harm, right. So it's,it translates really well into,into, into the, into the real estate agent thing.

Rick Ripma: 7:41

It's very fascinating to me, that somebody, and you're not the first doctor I've talked to that was a doctor and became a real estate agent, awesome. I worked with one and he's a, he's a doctor at a hospital. And he works like 24 hours a day, he's like there for five days or seven days, and then he's off for a week. So he, he's a real estate agent during that off time. He's also an investor. I mean, it's just amazing. The the, because to me, it's like you go to school, you spend all that obviously, somebody that become a doctor has to be has to be very smart. And it takes a lot of schooling. And, and it takes a lot of dedication. So you go and you do that. But something must have, you must have something must have drawn you into real estate. And you said no, this is the right career path. Yeah. You left the doctor. Yeah. And kept the career path of real estate.Yeah, yeah. So how do you feel about how's that gone? For you?

Yanuan Pedraza: 8:42

Oh, it's, it's honestly, it's going amazing.It's, you know, it's, it's, it was the right move. And looking back, like everything we've we've achieved as a family,it's, it's just huge, and the impact that it had had. So I did enjoy being a doctor, and I was really good at it. But then, you know, coming to the states, and then having to do it all over again. And, and, you know, bills can rack up, you know, it's not a, it's not a cheap, it's not cheap to be here, especially with a, you know, transition and with an immigration status and all and all that it's very hard.So you generally would have to,you know, look for ways to survive that, you know, that initial that start, basically.So that's when I I got into the restaurant business, I started managing a restaurant in Miami.And that's when I, I really realized that I had a knack for business. And I'm like, Well,this is kind of I think this is what I want to do and actually that you know, that past experience it translated really well because and, you know,going off of a little bit of what I talked about earlier,planting seeds and all that. So I actually invested in a in a in a food in the food business here. So I open along with a partner. We opened up Truck as well. So, you know it, I think it was it was the right move for me because I again, I have a knack for it, I really enjoy doing that. And when I started real estate, it was it was more thinking that I would be an investor and that I would represent myself. But then I started seeing the need for somebody that cares for the clients and wants to actually help them and knows how to help them. And that's why I advocate I'm a very big advocate for education and industry. So, you know, it'll just translate really well. And the whole thing just translates really well.Yeah,

Rick Ripma: 10:42

well, it's, I can see how it does. And, obviously,you love business. It sounds like you like sounds like you really like helping people. No,that's that kind of Matt meshes perfectly with real estate. Now your food truck. You got so many interests in so many great stories. I mean, it's just awesome. So the food truck is it here in India? Yeah, it's here in India. And you don't have to work that you just invested in

Yanuan Pedraza: 11:10

it. Yeah, yeah.I so I invested it and, and also, I, you know, I let my expertise, you know, managing a business. So everything that comes from because I had about three years of experience, you know, managing a whole business and, and doing everything from payroll to, you know, manual engineering and all that good stuff, managing a kitchen. So.So that's what I did for my business here. So I did some,you know, I did the menu engineering, you know, I did the, basically the administrative structure, I created it, I created the whole,you know, Operation how it was,it was gonna go and now my partner handles handles the actual operation. But that was it's been a very fun process.It's a very, very fun project.And, and we love it. And sometimes I go, you know, I go there, and I help because I enjoy it. I just, I just like it. It's it's pretty cool. Yeah.

Rick Ripma: 12:03

Do you have it show up at your open houses on the weekend?

Yanuan Pedraza: 12:08

So I'm not yet Not yet. But, but I I've had some, you know, interesting connections between, you know,the real estate, my real estate business and my food business.I've had some interesting connections and I think there's there's been a lot of value in it. And it

Rick Ripma: 12:26

it's really interesting because food trucks be a become like, the thing.Yeah, it's amazing to me that they're, it's a big deal.They'll advertise Hey, we have this thing going and there's a food trucks are going to be here and so Oh, great food trucks are gonna be there. Yep. So I'm guessing that the well I know,because I've eaten that the food quality has gone way up and food trucks. Yeah, yeah. Yeah. And it's, it's reasonably priced.And it's, I don't know, it's just kind of fun. Yeah. What is your food truck?

Yanuan Pedraza: 12:56

It's called Envira. So it's, it's actually Venezuelan authentic Venezuelan barbecue. And it's called Envira, which basically means steak on a stick. And that's,that's how we how we cook. And so it's similar to what you would see on a on a Brazilian steakhouse. It's kind of similar to that, but we cook we cook all the steak over woodfire. So yeah, the flavor is very distinct. Very, very unique.Yeah, sounds like it. Yeah.

Rick Ripma: 13:22

So if somebody wants to actually get a hold of you for real estate, buy, sell,maybe even looking to get into real estate. Want to talk to you about it? What's the best way to contact you?

Yanuan Pedraza: 13:34

Again, my phone number is 95466349619546634961.And you can also find me on Instagram as meet young one that's spelled METY A N U A n that's on Instagram. I'm also on Facebook, but I'm not so quick to respond there. I don't I don't use that platform at all a lot. But I do use Instagram a lot.

Rick Ripma: 13:58

Instagram seems to be the big one anyway. Yeah.From what I've seen, and to get a hold of the inner I go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you can call 317-672-1938.That's 31767 to 1938. And thanks for joining us and listening in these real estate gurus. The gurus we interview share valuable insights they reveal their strengths, personalities and how they'll work for you.While we hardworking mortgage guys security, your best mortgage. Real estate gurus work hard to they avoid problems the amateurs don't see they listen and they find unrealized opportunity. If you're buying or selling a home or real estate guru is a valuable asset. If you're even thinking of buying or selling a home, keep listening and definitely call one of India's real estate gurus. And you know I this question is been bugging me so I got to ask. Now, I don't know but do you speak more than one language? Yeah, I speak Spanish.Okay. Okay, is that I would guess that's a big Help because,like, there's a lot of Spanish speaking Yeah, I know that a lot of do speak English, but I would think that would be a big

Yanuan Pedraza: 15:09

a big Yeah,it's, it's a big help. And you get to you get to really, you know, get to know people. And it gets, I think, at least for me,it gets a little bit more personal with Hispanic Spanish speaking clients because you're,you're there throughout the whole process that they trust you, you're their advocate, and it's even more so when you know,when English is not their, their strength, right. So you're always there and in being there for them. It's, it's, you know,it's super valuable for them.And it's something that, you know, has helped my my career a lot, being able to speak both both languages,

Rick Ripma: 15:48

I would think so I would think that'd be a big, big deal. So, if we said, Okay,you're gonna have a day or let's say, a week off, you're gonna have a week off. You're not allowed to do any real estate,any food trucks. You can't use your phone for any business.What would you be doing? What would we find you doing in that?They are weak

Yanuan Pedraza: 16:13

in that they are weak. So probably I would either go to the beach or play video games or just be cooking at you know, cooking out or cooking in my house.

Rick Ripma: 16:24

Okay, so the beach yeah, that's why you're in Miami. Yeah. That's not why you're in Indianapolis.

Yanuan Pedraza: 16:31

No, no,actually. It's funny because now that I we live in Indianapolis,we go to the beach more. Really?Yeah. Yeah, absolutely. Then Then when we used to live in Miami in Miami, we would go to the beach maybe once once or twice a year. In India we go definitely go more often.

Rick Ripma: 16:48

So what's where do you go? What beach are you going?

Yanuan Pedraza: 16:51

So we usually we usually just visit Miami and we just go to the beaches down there. That's that's generally what we do.

Rick Ripma: 16:58

You mean you don't go to Eagle Creek? Or Lake

Yanuan Pedraza: 17:03

Michigan? Lake Michigan. Yeah, we've been playing. Well, you know, they

Rick Ripma: 17:08

do have a beach on yeah, go curry. Yeah,

Yanuan Pedraza: 17:10

they do. I didn't really do.

Rick Ripma: 17:13

They call it a beach. I think they brought the sand and I don't think it's you know, yeah, I don't even know if it's still

Yanuan Pedraza: 17:17

Yeah, but it's weird. Because I've been I've been to the beach like Michigan.It's weird. Because when you get in your you expect the water to be salty. And it's not. It's just weird. wears me out a little bit. It's cold. Yeah. And it's cool.

Rick Ripma: 17:31

I know when we now we were on the other side, we go on, when my kids were little,we'd go to the other side, and we'd be on the golf. And, man,it would be there in the summer,many times. And it was the it was like bath water in the Gulf.I hated that. But I know on the other side, when you're in the Pacific, it's a lot cooler. It's a lot better. Yeah. Yeah. But I have found I'm, I'm more of a pool person. You are. And as I've gotten older, I'm more of a not water person. I see. I used to swim all the time. But I but I do. I do enjoy it. You know,it's one of those things that it can be it can be fun. So, if if well, what would you say your superpower or superpowers are?

Yanuan Pedraza: 18:18

I would say I would say logical loyalty. Quick thinking and problem solving.Yeah, basically being very logical. I'm a very logical person and in education, I do believe that strongly believe that education, it's, it's very important in order to do whatever you decide you want to do. And just you know, staying updated. That's, that's very important. So yeah, loyalty and caring.

Rick Ripma: 18:48

Well, what about,I'm guessing because I believe in educating and educating my customers, I think it's really important that when I'm working with somebody, that I don't make the decision for them, they make the decision exactly locate them so that they can make a decision because the reality is, I don't really know, everything that they don't know their full story. I don't know everything right. I just know the basics.So that I think it's really important. It sounds like that's what you do you make sure you educate my guests and especially if their native languages and English, you have to do a lot more educate Yes,

Yanuan Pedraza: 19:22

because you have to not only so you have to do the translating, but you also have to educate them because there's, there's also a cultural, you know, not just the language barrier, but there's also a cultural barrier. So in,in my country and in Hispanic countries, you know, things are done very differently. So, for example, credit, it's not it's non existent, basically. So, you know, coming to this country,people have to actually learn how to how to utilize credit in a way that helps them build wealth and not you know, gets them into trouble. So, doing that for people I really enjoy that. Like during the whole process I feel I feel like I'm is a pivot for people's lives.So it's not just about, you know, getting them home, it's about actually helping them build wealth and setting setting them up and saying, you know,they're the next generations up for success, you know, just by educating them and explaining how things work. And as you as you well said, you know, I don't I don't make decisions for them.And, and sometimes, you know,clients trust me so much that they want me to make the decision for them. And I really do appreciate that. But again, I would I would I just stand there. And I say, Hey, I can't really make this. It's what's best for you. You know, if you asked me, for my opinion, I may give you an opinion that's based on my experiences in my position in life and what I want to achieve now, you know, it's not necessarily about it's not going to be necessarily about you. So here's what's going to happen if you do this. Here's what's going to happen if you do that, and you make the decision to make based on what's best for your,for your family, basically,

Rick Ripma: 20:57

I agree. 100% You can't you there's no way you can tell somebody what to do. Yeah,exactly. In fact, they shouldn't work with somebody who's going to tell them what to do. Uh huh.Right. Yes. We don't know. We just know if you do this, the consequences are likely to be this if you do this consequences are likely to be this. It just depends. And you know what the other thing is, is I think that it's I think real estate is a phenomenal investment. I think everybody should have have a home at least one. And rental property is a great way to, to put your place to put your money. But it's not for everybody. And, and when you're living in the house, the investment quality always mattered to me. But it isn't everything. Because you have to live there. Yeah. And it changes your life by where you live.Yeah. I mean, like for you, your life has changed completely when you move from Venezuela. No,yeah. Right. If you're from Miami, then it changes everything. It changes who you know, it changes who your kids meet, it changes who they marry,it changes everything. It does,yeah. So it's, it's such a valuable thing for people to do.So I still am mind boggling. I know you didn't put a pressure on yourself. But you, you moved here, you'd never been you'd been in real estate for a couple months, that is pretty much not being in real estate. You just kind of learned what it was about. Yeah. And you're, you're you're able to come in and you're able to do business and do very well. There how I mean,what, what did you do? What was your process?

Yanuan Pedraza: 22:35

So basically, I was I started big on social media. So I invested a lot of time on social media, I invested a lot of time cold calling in the beginning, because the Highgarden gives you they give you leads, so you can you can call them and and basically, I never got anything out of it.Aside from I mean, I mean not business directly from those leads, but I did get the training I needed and you know,started getting comfortable talking about it. So when I started getting comfortable talking about it, I started getting comfortable talking about it and in person with with people that I met that actually mattered more than somebody that's on the phone that's not expecting a call, right? So what I decided to do, it's just basically how to have a strong social media presence. You know,and I started going to networking events in my community. And that's when I started meeting, people started opening up, and basically my whole business strategies just make friends. That's that's basically what I do. I just make friends I just try to put some value into their lives. And you know, in return, you know, they might put some value into mine.So that's, that's basically what you know, what, what I've been doing for the past years and,and I just, I just follow up and follow through and, and that's how it's worked so far, but yeah, I didn't I didn't know anyone back then. Yeah,

Rick Ripma: 23:59

it's just amazing that you didn't know anybody.You came from another country and you were able to do that.But what you did is you did the basics, right? Yeah, you did the you did cold calls, which most people don't want to do. But you did them. Right. And even though they didn't work, they did work.

Yanuan Pedraza: 24:18

Yeah, exactly.There's some value in everything you do. You just got to find it and make sure that you know if you find it then then you took something from it right and there's you know, there's no better way to learn than defeat so basically call calling defeated me if I'm not you know,I didn't enjoy it. I but I knew it was I had to do something. So I started doing a bunch of things. And cold calling was was one of those, maybe not it was wasn't as cold, maybe it's more warm, or whatever it is. It's people that actually, you know,at some point in their lives,use the Highgarden you know,search engine but it did help me a lot with you know, getting comfortable again and talking about real estate and, and, and,you know, being in touch with maybe questions that they may have. And in that pushed me to learning more and and it just it just went from there. So when I started having conversations in person, then you know, I would I would be more comfortable, more educated about what stuff that I was talking about.

Rick Ripma: 25:25

And that's, that's vitally important, right? I think when somebody's new, if they came in as a new mortgage person, or they come in as a new real estate agent, they're brand new, the number one thing I think they need to do, is they need to educate themselves,especially if they're really young. Yeah, they need to educate themselves, so they can overcome it with knowledge.

Yanuan Pedraza: 25:48

Yeah, exactly.Exactly. And one of the things and even as a young doctor, I would, you know, struggle with this as well. It's, um, so I,again, I'm a big advocate for education. So educating yourself first, that's, that's very important to me. So I was like,Well, I'm updated in every, you know, possible procedure and every possible thing. You know,and I would think back then,and, and even even now, when I transition to, to real estate, I would say, Well, maybe finding a young professional, it's beneficial, if you're trying to find a home because yeah, maybe you want to, you want to find a realtor, or that or that doctor that, you know, has over hundreds and hundreds of transactions, but then maybe become statistic with a young person, they're gonna dedicate more time and they might actually have, you know, more knowledge than somebody that's been in the business for a while. And then it actually shifted a little bit. Because that's, that's how I thought back then, because that's very important. But now Now that I have the experience, I see, you know, the value of both things.So having both it's just, it's mind boggling how, you know, how much impact both knowledge and experience have, over my, even my clients lives when I you know, when I help them navigate transactions, it's in even I feel like proud of myself, when I'm able to help people and able to, you know, make the most out of that knowledge and out of that experience to actually help them and it translates into, you know, that them having better lives because of it. It's amazing, to, you know, to be able to be a part of that. Yeah,

Rick Ripma: 27:32

I want to get back to that. But before we do, if somebody has any real estate needs, buy a house, sell a house, maybe they want to look at, I know you have a team, and you're looking to grow your team, what's the best way to get ahold of you?

Yanuan Pedraza: 27:43

Again, my phone number is 95466349619546634961.And my instagram handle is meet Yan.

Rick Ripma: 27:53

And to get a hold of ESRI, go to HardWorkingMortgageGuys.com,that's HardWorkingMortgageGuys.com. Or you can call 31767 to 1938,that's 31767 to 1938. And the, I know, you I know you have you're starting the team, you're just kind of you're just really got it going. Yep. So what do you what do you look for in a team member,

Yanuan Pedraza: 28:20

so what I look for in a team member, so I never actually started, like, actively recruiting or anything like that, it's, it's, it's mostly about, I always had the idea of,you know, building something in which, you know, again, going off of that education, that's,that's how the teams actually mourn. It's making sure that,you know, realtors are educated well enough, in order to better serve the community. Since we, I serve a lot of hit the Hispanic community. So it's very, very important. I guess it's instrumental, to be educated to help them and help them understand the whole process.Because again, as we mentioned,you have to, you know, explain a lot of things to them. So,that's, that's what I would try to find in a, in a, in a team member, it's, you know, somebody that's eager and willing to learn. And, and, you know,basically, it's not, doesn't have any, any old tricks. It's just, you know, I want them to be, you know, new I like the newer agents, because that's,that's how I started and, you know, that open mind, you know,mentality, it's really what I'm,I would be looking for, and,and, you know, having that person because it takes a special kind of person to care about people, right, you know,not not everybody cares, that's fine. That's okay. But if if you if you're in this industry, you I do believe that you do have to care about about people and about their well being and about helping them it's they're not numbers, they're, they're people, right?

Rick Ripma: 29:58

Yeah, it's I agree.I'm gonna switch a little bit. I want to get back to that. But we always have our question of the week and is normally an asset and I forgot. So I'm gonna do it now. Our question of the week is, you know, what was your first car?

Yanuan Pedraza: 30:12

My first car?So, well, I had two first cars,I guess. Okay, so I'm wanting Venezuela, which was a Daihatsu.Terios. That doesn't exist here.But it's a it's a, it's kind of like a rock for like, it's more or less. Yeah,

Rick Ripma: 30:29

that's that company is called what here? That's a company we have we just I can't remember the name of it.

Yanuan Pedraza: 30:36

So we did have Yeah, I think I think maybe in the past I had to have Yeah,okay. But I think it's not not anymore. And then here in the States, it was, it was a Corolla. I still I still have it. Yeah. Yeah. It's paid for they last forever. Yeah, they do. Yeah. And that's, that's why we bought it. Yeah, yeah. And it's paid off. So yeah, I'm gonna be, that's another thing that I, you know, I'm a big advocate for it's, you know,striving for that financial independence and early retirement. It's a whole community, it's called the fire community. The fire community?Yeah, it's the financial independence, financial independence, retire early community. So that's, you know,that's one of my goals, it's to retire early, that doesn't mean I'm not going to work, it just means that I'm going to be able,you know, I'm going to have time for maybe, you know, dedicating time to my future kids, and all that good stuff. So being being present for the family. And, you know, I've learned that if you start investing young, and you start, you know, building a career young and doing the right things and not, you know, not spending money into into liabilities. It's very much possible in this country that it's, you know, this way, this is the greatest country, like,there's so much opportunity,there really is a lot of opportunity. So, um, so that's,that's, you know, we decided to buy a Corolla and keep it forever, basically, and paid it off. pay it off.

Rick Ripma: 32:02

Yeah, that's, I mean, I think that's a smart thing to do. Yeah, it's funny,because I hear people, and I've got tons of friends who've retired, most of them are older than me, but I, I would be bored out of my ever live in mind.Yeah, I do this because I, I'd be bored. Yeah,

Yanuan Pedraza: 32:19

yeah, no, and I would be as well. But, um, but I like to think that if, for example, I needed to go to a soccer game, or wherever I can do it. Because, you know, I don't I don't depend on a paycheck. Or, you know, I would have, you know, a team behind me that would be able to take care of it. So I can, you know, go ahead and take care of, you know, the important stuff.

Rick Ripma: 32:45

Because it's a tough thing when you're a real estate agent. Yeah. Because you're, if somebody calls you, you're ready to go out to your soccer game,somebody calls you they want to go see a million dollar house.And it's like, yeah, what am I going to do? Yeah, exactly. And you want to be able to say,Well, I'm gonna have Jim go over here and do this. And I'm gonna go to my soccer game. Yeah,yeah, exactly. Yeah, that makes total sense. So or

Yanuan Pedraza: 33:04

maybe even, you know, be able to refer it out.And that's fine. Because you don't you don't really need the paycheck as you have, you know,you have, you know, residual income from from other sources.

Rick Ripma: 33:14

Right. Yeah. Which is a big deal. Yep. Residual income builds up. Yeah. Yes, it makes a huge difference in your life. So, how important I think this goes along with you're building the team, how important is it to be with a great mentors, and it Highgarden what is it that you want, you know,why did you go there? And, you know, what is their system? And why do you feel that's a great place to build a career?

Yanuan Pedraza: 33:42

Well, it was, it was amazing, because actually,what Jomi with, you know, drama into Highgarden it was actually the their culture. So they have a very, you know, abundance,mentality culture, like, there's business for everyone, we're not trying to compete with each other, we're just trying to help each other because there's, you know, there's basically there's enough for everyone if everyone collaborates and, and I really do believe that so the whole culture is about helping each other so you can reach out to anyone, like, we have, you know,a lot of top producers in the in the, in the agency, and you can reach out to like, their, their doors open, you can ask them questions and, and, and you can even ask them, you know, mundane questions like, hey, this happened in our session, what do I do is not just about, you know, how to how am i How can I be as successful as you are, but you can also ask the, you know,the mundane questions like, hey,well, what can I do with this instruction, and they're very much open to that. I always tell people this story when they're,you know, thinking about joining Highgarden it's that, you know,there was this one time that I had a question I like, like 1130at night, and and I put an email out there with a question and I got like three answers at you know, before, before midnight,and that was crazy. Yeah. So they're, you know, they're they're very, they have a very supportive culture and they have, you know, very strong and,and smart minds in there.

Rick Ripma: 35:09

Yeah, I think it's really important that you have a great mentors. And you do. And that's, that's why I wanted to ask that because there's a reason you're building your career there, and you're really in education. So I think it's vitally important. If somebody's looking, you know, they think about, Hey, maybe I should call him and get on his team or whatever. There's a reason behind it. It's not just, you know, you, but having that those people there who can answer what you call mundane questions, but they're critical questions.Yeah, exactly. need an answer to them. Yeah. So you can get back with your clients so that they get them and they need to know,you know, and you have the people who can? Who know exactly, that's, that's critical. So well, what would you say, is your most memorable transaction?

Yanuan Pedraza: 35:54

My most memorable transaction? I'd say it has, it has to be my own my own home. My first one, I, when I got my first home, me and my wife got our first home. I would say that that would be our my most memorable. It's like the combination of you know, hard work throughout the years. And especially as a somebody coming into this country as a, you know, as an immigrant, it's a huge milestone to be able to,you know, to have to have your first home. Yes. And is that here in India? Yeah, that's,that's actually here in India,it's now it's now rented out. So it's one of those investment properties. But yeah, it was it was a huge amount, which is

Rick Ripma: 36:33

another great way to build wealth. Yeah, yeah, you're right. You're taking your primary residence. You move on,you make it a rental property.Yeah. Yeah. I know, a lot of people have done that. And yeah,

Yanuan Pedraza: 36:42

you can do it with little cash, because then it's your primary residence.Right?

Rick Ripma: 36:46

Yeah. Now, you can't buy it as a primary if it's going to be around.

Yanuan Pedraza: 36:49

Yeah, no, no,exactly. Yeah.

Rick Ripma: 36:51

It's the people thinking the wrong

Yanuan Pedraza: 36:52

No. No, we actually moved there. And we intended to be there for about,you know, three to five years,in the beginning. But then, you know, the, the possibility just,you know, made itself available to, you know, to get another house. And so we did it, and we needed the extra space as well.So,

Rick Ripma: 37:12

well, that's the test when we're doing this is,you know, if you see somebody does it every six months, you know that they're, they're buying, yeah, rental property.Yeah, random prop. But if you if they they buy it, you know, the plan is, is to stay there.That's kind of the idea is, you know, otherwise it's not owner occupied and has a lot more fees. So it is it's can be financed, but you just got to do it legally, exactly. correctly is Yep. as well. And there's some great programs, if you want to buy rental property, there are some really great programs out there. Absolutely. And even even, you know, there's, there's some great programs out there for people who aren't citizens in the US. It's amazing some of the programs that that they they have available to people like that. So it's it's, there's no reason you can't buy a house.Exactly. Yeah. You know. Yep.And, and, you know, so that's a big deal. So what would you say one of the biggest lessons you've learned in business?

Yanuan Pedraza: 38:10

biggest lessons I've learned in business, I would say, caring about your client, or clientele, so actually listening to them and,and, you know, taking their feedback into doing things for you know, for the for the well being of others. It's, it's,it's, you know, it'll generally bring more business.

Rick Ripma: 38:31

I couldn't agree more. And if somebody wanted to get a hold of you had any questions while you're there,maybe get on your team.

Yanuan Pedraza: 38:38

Yeah, what's the best phone number? 954-663-4961.Again, 954-663-4961.

Rick Ripma: 38:45

The other thing is nice. Now you don't have to change your phone number. You can take whatever that nobody cares anymore, because it's not long distance. Yeah. Now they remember long distance I remember. I had to get a hold of Ian or I, it's HardWorkingMortgageGuys.com.That's HardWorkingMortgageGuys.com Or you can call 317-672-1938.That's 317-672-1938. And follow us for more indies real estate gurus. And thanks so much for joining me today. I really do appreciate it. You have a phenomenal story. And it was really interesting to talk

Yanuan Pedraza: 39:19

with you. Thank you, likewise. And

Rick Ripma: 39:22

if anybody needs anything again, the best or I'll just the best number954-663-4961. Correct. And they asked for

Yanuan Pedraza: 39:33

young one, visit us online.

Rick Ripma: 39:35

I don't want to mess it up. So there you go. Thanks so much for joining us. Have a great day.

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