Rising Guru Khushvider Kailey with REMAX Advanced Realty

Rick Ripma: 0:00

Welcome to India's real estate gurus, your ultimate guide to the dynamic world of real estate in Indiana, and I'm recruited by your hard work and mortgage guy and I've been in real estate and mortgages for over 24 years. And I'm Ian Arnold, a loan officer on Rick's hard working mortgage. We're both with advisors Mortgage Group together will empower you with expert advice market trends is Bestival stories from Guru realtors and local experts. Whether you're a homeowner and investor or pro Join us as we navigate the thriving in the real estate market. Now get ready to unlock the doors of success one episode at a time. We are really excited today we have seat cushion I told you I you know I can I can mess up anybody's name. That's just the way it is. So Cush and you're with REMAX REMAX. So tell us a little about yourself, you know, introduce yourself to the audience, let them know, you know, your background where you came from, you know, where you're where you went to school, those kinds of things. Everybody wants to know,

Khushvider Kailey: 1:04

yeah, so my name is cush. My full name is Krishna bender. I'm 21 years old. I go to IUPUI here in downtown Indianapolis. I was born and born in San Francisco, California. But we moved here back in oh seven in Greenwood. So now I'm here in Indiana. That's where that's where I grew up. And, yeah, I mean, that's pretty much where I'm from. I recently started real estate while I was in college. And that's a finance and accounting major. Those are just some things that I can throw out about myself.

Rick Ripma: 1:36

Yeah, you know, it's it's very interesting to me, because we've worked with I've the youngest person that I've had on the show, and they were a guru, but they started when they were like 1718 years old. Yeah, right. Now, some people, their family, they came out of a family of real estate agents. So they pretty much did it their whole life. Right. Yeah. But the, but we've had several people who started in college, and that presents a particularly difficult situation for you to get started in a career. That's really not the easiest thing to get started in. But I want to know more of the story. First, I want to know you grew up were in California. Well,

Khushvider Kailey: 2:16

I was born there in San Francisco. And then we moved here. Probably when I was young. I was like probably like five or so. Okay, so you

Rick Ripma: 2:22

didn't really grew up there. You're up here grew up here. You grew up here. But you spent five or six years in California. Yeah. And then you moved here and you moved to Greenwood. So you went to Greenwood high school? I

Khushvider Kailey: 2:31

went to Whiteland High School. Yeah.

Rick Ripma: 2:34

That's that now I know it. Well, I when I was doing my radio show my my the the radio station was right there near the school. I drove by there about once a week, which is a long drive. It is everywhere. Every week, well, we appreciate you joining us. I know it was a long drive. So how did you decide that you wanted to be in real estate?

Khushvider Kailey: 2:58

Man, this is always a tough question for me. Like when I first thought about getting my real estate license, I had never just it was It wasn't something that I had thought about to begin with. But it was probably when I was like 19. During COVID. I started well, at 19 I started getting really into real estate I started like learning more about the business, I started learning more just about like business in general. And I was also a finance and accounting major just coming into college. And as I started learning more and more about it, I realized that I wanted to eventually own my own, like investment properties as I get older. And like, you know, just get into that, that business. And I slowly started realize, like, if I'm gonna get into this business, and like, I want to own these properties, I want to like, you know, I'm always listening to podcasts. And I'm always learning about this. And I was like, you know, what better than to get my license and then do it on my own. And as I have my license, I can learn quicker and faster about these things. And once I had that thought, in my mind, I realized like, Yeah, this is a good thing that I can take advantage of. And even if it doesn't work out, it's what like the $100 to get your license or something like that. So I was like, it's like, I'm down a couple bucks from the drain, you know, it's okay. And yeah, that's kind of how I got into it. It wasn't necessarily like something that I had planned out to begin with. But as I guess it was like a series of events that led up to it.

Rick Ripma: 4:19

Okay, so there was a series of events, and it just seems you know, you did it awful young, which is really, really kind of a cool, a cool situation. Because you know, you were young when you did it. You're still very young, at least to me. Yeah. But you've also done very well. And this is not an easy industry to get started in. And it's even more difficult when you're young. Yeah, right. Yeah. So and while you're going to school, Oh, yeah. So how are you balancing all that? How are you doing that?

Khushvider Kailey: 4:50

Yeah. So it's really tough to balance it. But I think the best thing is to just making sure that you have a solid schedule. Like I know that I'm on I have classes Tuesdays and Thursdays. So I know that I need to arrange my schedule from the way my classes are set up. So Mondays are typically the days I'll be in the office Mondays and Wednesdays. And I like to work out as well. So in the morning, I'll first the first thing in the morning, I'll wake up, go to the gym, and then that's when I'll start my day, getting my breakfast and, and everything, and then I'll head to the office on Monday, do everything that I need to do, you know, things that I have planned or whatever, whatever it may be. And then throughout the day, I'll continue my tasks work on some schoolwork, and then also, and then Tuesday, I'll go to go to call classes, stuff like that, it's just kind of like, you have to make sure you're balancing your schedule pretty well. I'm not really sure how I you know how I started doing it, but it's kind of like, once, once I started to be more involved in real estate, I kind of had to just kind of wing it, you know, like, I would have to group some time into here, and then some time into here, and then kind of just figured out what works best. I don't necessarily know if I have like a great way of doing it. But like, not too sure how I would, you know, explain it. But that's just kind of how I would go about it. Just making sure that you you balance your time correctly. And making sure that you know what tasks need to be done. Having a Schedule Planner helps out really well as well. And I've noticed that that's helped me, you know, plan my plan on my days as well, too. Yeah,

Rick Ripma: 6:27

it's just, I mean, it's amazing to me, and I respect to you for being able to do it, because it's not an easy, easy thing to do. Yeah. And, and it's really you're learning just by what you just said, I can tell you, we're learning a tremendous amount about how to be successful in life, for

Khushvider Kailey: 6:43

sure. That's the goal. That's the goal. That's what it's about, like, I know, it's tough to be in college and also doing real estate. Like being in real estate, it's not something you can do part time, it's something that you will have to put in a lot of hours and a lot of time into. And that's something I realized that if you want to be successful, you're going to have to put in the time, you're gonna have to put in the effort, you're gonna have to have that drive. And it's, I'm glad I've developed it early and still working on it. And hopefully I can, you know, excel at it and make it better than than it was before. Yeah, so

Rick Ripma: 7:14

what would you as you look at this, if there's some, let's say, there's somebody looking to get into real estate, and maybe they're in the same situation, they're in college? What kind of advice would you give them?

Khushvider Kailey: 7:27

The advice I'd probably give is that if you're thinking about it, just do it. Because I feel like I wasted a lot of time just thinking about if I should do it or not, like weighing the pros and cons, like, the best thing that kind of, like affected me or touched me the most was that, like, I'm still young, I still have a lot of time, a lot of risk that I can take now and not, you know, affect me in the long run. So, like, now is a good time to, you know, test the things that you want to do take the risks, you know, figure out what what you like to do what's best for you. And that's that's kind of it was hard for me to realize that. But once I realized that I feel way better about starting in real estate, like I wouldn't have been able to do the things I'm doing now if it wasn't for me just taking the initiative and just saying like, Screw it. I'm gonna do it now. And if it works out, it works out if it doesn't, there's always more opportunities elsewhere. Yeah,

Rick Ripma: 8:18

it's one of those things that you know, having having lived a while. What you're doing now will make you who you are later.

Khushvider Kailey: 8:30

Exactly right. Yeah. To me, it's

Rick Ripma: 8:31

how it is the decisions we make today. It's amazing to me to think one little decision that you make can change your entire life and those of everybody else where let's take real estate for example, where somebody decides to live can change who their kids marry exact who their kids friends are exactly I mean it changes everything you moving as a little kid from California to Indiana, I could

Khushvider Kailey: 8:57

have been a completely different person. Absolutely. They're growing up here there's you know, it's a different lifestyle. Yeah,

Rick Ripma: 9:02

it's amazing these little tiny decisions that was a major decision but little tiny decisions can change everything and you're and you're you're fairly brilliant to figure that out already. That's not an easy thing to figure out and I still not sure I completely understand it but I am getting the hang of 60 something but I just think that's that's a it's a very interesting piece. I think your advice was great. And I really I really like your your risk taking one of the things you said is you know, you know well whatever happens and that's why I wanted you know whatever happens it's just gonna happen and that's that's why I want to say it yeah does and it's gonna make you who you are. Failure. Everybody is a worried about failure exists right? There everything. We worry about it in everything we do. I don't want to fail here. I don't want to fail here. I don't want to fail here. The reality is, you own you don't fail if you don't do anything. Exactly. I have done A tremendous amount of marketing and advertising and I have failed more than I've ever succeeded in it. But I've learned a lot. And I have had successes.

Khushvider Kailey: 10:09

Exactly right. Yeah. And that's the biggest thing like your regardless of what you do, you're gonna fail, there's going to be times where you feel like even at the smallest things like an exam, like, I even I can say, right now being closed, there's been exams that I've failed, and I've been so upset about it, but you just have to move on from it. Learn from the mistakes you made, and then be better next time. Like, there's not really much you can do unless if you just go all in full force and just, you know, do the best you can. Yeah, I'd

Rick Ripma: 10:34

say school taught me how to fail because I was not a good student. It did teach. I understand. Yeah, that was really, really helpful in my development of being able to handle failure. Yeah,

Khushvider Kailey: 10:44

I can agree with that.

Rick Ripma: 10:46

So what would you say your superpower or superpowers are?

Khushvider Kailey: 10:52

So this is one of those questions I didn't know how to answer. But what I would say I wouldn't more. It's not really like a superpower, I would say, but I like I'm easygoing, I'm really laid back, you know, nice person, and who has a lot of patience, I would say, and I feel like that's something that has brought me a long way. Like, with a lot of things in being especially being this business, you have to have a lot of patience. And if you're not patient with things, then you know, it's not going to go your way. I realized that the hard way. But being nice, I guess kind, I don't know, the best word for it is like, the way I like to see my superpower. Just like, I'm a I'm easy to approach and like I can I can handle a lot of pressure under stress, or like, being under stress or being under a lot of you know, heavy type of emotions, but I guess that's something that I can say that is my superpower.

Rick Ripma: 11:49

Yeah, that's awesome. It's, it's amazing to me, because, you know, everybody's everybody's different. But kind is is a that's a very, very good superpower.

Khushvider Kailey: 11:59

Yeah. Okay. I tried to keep it. Yeah, obviously, there's times where, you know, you can't keep keep being kind, but you know, you just have to stick to it. And and always

Rick Ripma: 12:08

be kind. Yeah, you can always you can always be kind. It doesn't mean you have to be a pushover. Exactly. Right. Yeah. It doesn't mean any of that. But you can, you can be kind. While you're being bought, whilst, you know, while you might need to push a little bit exact,

Khushvider Kailey: 12:25

that's okay. Yeah. And there's gonna be times when you have to push but as long as you can still keep that, you know, overall kindness and patience. And you then you're fine. Yeah.

Rick Ripma: 12:33

And I think it's critical in real estate. Because it's a very high stress situation for your the people you're working with. 100%. Yeah, it can be high stress for the real estate agents, both sides. Right. It can be high stress for everybody, the mortgage people. Yeah. And if, if you're kind with your, with what you do, and you think about others, that's a huge, I think that's a huge superpower. I think that's

Khushvider Kailey: 13:00

exactly because like your clients are making the biggest decision of their life potentially, or like, it's, it's gonna be a big decision that they're making. So there's, there's always going to be a lot of stress involved. So you have to make them feel like that. It's going to be an easy, smooth sailing process, and, you know, kind of help them relax and let them know that it's gonna be okay. You know, you have to be there for them almost, you know, it's a lot of emotions that goes into it. Yep. Well,

Rick Ripma: 13:27

if somebody is listening, and they say, you know, I want to work with him, what is what is the easiest and best way to get a hold of you, if they have any real estate needs or questions. Best

Khushvider Kailey: 13:39

way, probably my phone number 317-478-7607 is the best way to reach me call text. I'm pretty much I pretty much have my phone on me at all times. So even if you call me even if I don't get back to you, I will get back to you eventually. Perfect.

Rick Ripma: 13:54

And if you need to get a hold of E NRI, let's get it on the right camera, a E and R I go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you can call us at 317-672-1938. That's 317-672-1938. Unfortunately, Ian had an emergency come up where he had to take care of something so he is not able to join us today. Hopefully, I can hold down the fort and it won't be you know, too difficult. So let's move on a little bit. I you know, it's it's hard because I really find what you do. The way you're doing thing is is very, very phenomenal. But let's let's say you know what traits do you do you look for in a mentor or like a guide. Somebody's like, you know, I don't know if you know who Yoda or Mr. Miyagi is something like that. How? Because I know you have that you have to have it. Yeah, for sure. And talk talk about that. Talk about how you find that what you have, how that's benefiting you and your clients by having these guru guides, you know, mentors for you. Yeah.

Khushvider Kailey: 15:03

So one thing that I look in a mentor, like I have to over at the office that really helped me out. And we even know without them, it probably wouldn't wouldn't have been possible a lot of things that I've done. But a couple of things that I would look into mentor is just like for them to kind of guide me in a way but not essentially give me the all the answers. Like, say, if there's someone client who needs help in a specific area, I'm not gonna go there, go there. If I don't know the answer, I'm not gonna go to them Be like, Hey, give me the answer to this, you know, I'm proud. Obviously, I want the answer. But I also want to be guided on how I can find the answers and like for potential future clients, and also like, just like a pathway of what, what I need to do, I should expect and how the outcome can turn out to be just things like that, that will kind of, you know, help me in a way where I can explain it to the next person, and not just give them the answer and not be able to answer any other questions that they might have.

Rick Ripma: 15:57

Yeah, it's, it's a, that's a great answer. Because you're thinking it through. Yeah, you're, you're you're not going to get you want to know how to come up with the answer. So that you're, you're basically you want to learn how to fish not, not just eat the

Khushvider Kailey: 16:14

Exactly, yeah, you want to be able to know how you can do it and then learn from it. Yeah, that's the biggest thing. Yeah.

Rick Ripma: 16:19

And in real estate, there's a lot of that that comes up. Yeah.

Khushvider Kailey: 16:23

There's a ton of that. What would

Rick Ripma: 16:25

you say? So far, what you've done? What was the most interesting thing that has come up? Most are difficult, you know, what do you think is

Khushvider Kailey: 16:33

the most difficult thing? That's a tough question. For me. I haven't had crazy amount of sales. But I guess, the difficult thing would probably be like, when they have questions about a specific thing on the property, there's a lot of people that you would have to reach out to, if you don't know. And it'll be small things like where you might have to reach out to the city for this, or you might have to call this person for that. Or you might have to, you know, like, the small things like that, or just, you know, maintenance things. I feel like that's probably one of the biggest issues I've dealt with. And everything else kind of aligns with it. I would I don't know if that's a good answer. But that's that's kind of how, where I'm at on that most difficult thing. One of

Rick Ripma: 17:19

the nice things about what what we do on this podcast is, there is no wrong answer. You're just telling us your story. And what you you know who you are. We think that's important, because we think people need to know who you are before they start working with you. Exactly. And and we you aren't really in real estate, you're in relationship. Exactly. That's really what real estate is all about. It's all about the relationship. It's, it's, yes, you have a product that you're that you help somebody buy, but it's all about the relationship you build. Yeah. And so how do you go about finding the clients, finding

Khushvider Kailey: 17:56

the clients. So even today I have struggled with this is well, I mean, especially with the market that we're in, I mean, the best way I've promoted is through social media, like cold calling. And whenever whenever I'm in office, I tried to send out emails to clients that I've met with before or that we have a lead program in our within our office as well. And then whenever we have leads through there, I give them a phone call them and email. But that's the hardest part I would say about real estate is finding the client, once you have the client, and they're actually serious buyers, that makes it a little bit easier for you because you know, they're gonna eventually buy but you just have to help them figure out which like, where they're gonna buy it, or what they're gonna, you know, where they want to go. But yeah, I feel like that's the biggest thing in real estate, the having the networking and, you know, your social skills, being able to provide them the service that they need. But I feel like that, that that was the probably the best way that I go about it is social media, phone calls, emails, texts, any way you can reach to someone. Yeah.

Rick Ripma: 18:54

And you know, it is, it's not what we see on TV

Khushvider Kailey: 18:58

about real estate. Oh, yeah. Right. Yeah. Nothing like that. No,

Rick Ripma: 19:01

they're getting a client. And really getting the client is the hardest part. Yeah, for sure that that is by far. And it's really the job. Because you have to get the client and so most most agents, one of the ways they do it is obviously their, their their sphere of influence. A lot of them have been very successful with social media, and you mentioned social media. So how are you using social media? How are you using it not only to get clients, but how do you use it to help you promote a home promote an open house that type of

Khushvider Kailey: 19:36

Yeah, see, I love this question. I love to Well, I started to work on my you know, my social media skills even today. But the one of the things I do is, whenever I have an open house, I will reach out to one of our social media traffickers and then they'll make the post for me and then I'll just go ahead and put it put it out on Facebook, Instagram, wherever I can to promote it. And then the best things that I've seen I realized that helped me a lot to pull those clients is making videos of you know, going to or reaching out to, you know, listing agents and asking if you can record and sort of, you know, promote their homes on social media and then I'll go there kind of record the home take pictures and then promote it on Instagram social media, you know, said Tik Tok Facebook, anywhere you can just to get that home some some promotion, some you know, some traffic and then once it gets that traffic, they occasionally you'll get a phone call from here and there from people like saying that they're interested in it. And that's the that's helped out a lot. Like, I mean, I tried to get in about one or two homes where I can go and record promote on Tik Tok so that way, I'm boost not only am I boosting myself on social media, but I'm also bringing in the clients. It's like a It's It's kind of like a one stop shop almost. But that's, that's the best way I would say it's just getting the pictures out getting videos, getting social media, graphics, open houses, just, you know, spam as much as you can, but not to the point where it's, you know, annoying to, to your clients, but enough to where you can get the attention that you're looking for. Yeah,

Rick Ripma: 21:05

now, there's a lot of agents who tell me that they do a lot of social media that they they they do a lot of on properties, but they also put out like personal or not just real estate related to the exam. Some of that too.

Khushvider Kailey: 21:18

Yeah. So I have a page just for my personal and then I also have a page for my business. So that way, I'm if someone wants to follow me on the business, and they, they more, they only want to see real estate. So that stuff, they can just go to the business account. And if it's my personal stuff, and they want to know more about beat about about me, then they can go to my personal and follow me there. Or, you know, vice versa. Yeah. Yeah.

Rick Ripma: 21:40

It's I think it's vital that you that you have that in today's world. Although I will say that there are many we we find it interesting that a lot of the agents we we talked to, you have to have social media, you know, that's all I do. That's how I get all my business. And then you talk to their their their gurus. Yeah. And then you talk to another agent. And they go I don't do any social media don't really understand it. And their gurus. Yeah. Okay. Because there's different ways to get clients. Yeah. And, and but in today's world, the easiest, the easiest way to get your, your information out there. And the least expensive way is to use social media.

Khushvider Kailey: 22:19

Exactly. You just kind of have to find out your niche and what works best for you. There's some people who don't like social media, there's some people who do, but it really just depends on what works best for you. I would say, Yeah,

Rick Ripma: 22:29

I work. I work hard at it. But I actually have somebody who does it for me, because believe it or not, the internet wasn't around when I was a kid. That was about your age, when I got my first computer, oh, I got bought an Apple TV. My brother little brother and I bought an Apple TV. I don't think we ever actually learned how to use it.

Khushvider Kailey: 22:50

Oh my gosh, they were a lot harder back then I've seen pictures of them. Like, they're always so interesting, and what they look like and how far we've came, like, it's crazy to see what we started with and what we have now. Yes, yeah.

Rick Ripma: 23:01

And, you know, I think what's interesting is Steve Jobs. He cared as much about the way the computer looked as the way the computer worked.

Khushvider Kailey: 23:12

Exactly. And like, if you if you had that, like unique look to it, people are gonna, you know, become more intrigued and trying to figure out like, you know, like, what is the hype around it? Like, yeah, like, for example, Tesla and their new cybertruck or whatever, like, everyone, it's causing a lot of like, opinions out there, a lot of people are saying they hate it, and people are saying they love it, but there's gonna be that group who is gonna buy it, and then you know, cause that, like, kind of like traffic more to towards it. And it's nice how they design it and the way it works and things like that. Yeah.

Rick Ripma: 23:43

Well, there's one thing about using social media that you kind of hit on that you just have to, if you're going to use it, you just have to know is there's going to be some people who like it, there's going to be some people who hate it. Yeah. And you're gonna get people. I don't know what it is about our world today that everybody wants to give their opinion. Yeah, yeah. And, and they, and they, they want to downgrade people.

Khushvider Kailey: 24:03

Yeah, I don't know. I mean, nowadays, with the society, we're going up, and it's like, when they see someone doing better than them, or I guess, just Well, overall, they're gonna want to say something about it, or just put them down. And that's something I've, you know, kind of dealt with too, as well. But what the best thing has worked for me is just blocking out the noise. And yeah, I know, I know that, like, I'm doing what I like to do, so I'm just going to continue doing it. And if someone has a problem with it, I'll just push them away and just keep doing what I like to do it. You know, and that's

Rick Ripma: 24:31

the best attitude because it just is what it is. And it's not your it's not your issue. It's theirs and yeah, you just move on. And you know, it's too bad because you'd like to help them exactly right. Yeah. Because you know, that they're the world is, is really much better. If you look at it in a positive outlook and you give like you said, you're kind Yeah, you know, I try my best. Yeah, that's important. So what, when you when you look at your career, you're just since you're just starting out, you know, what makes you think you know, This is gonna be a great career, what do you what are you excited about in the career?

Khushvider Kailey: 25:04

It's a tough question there, I have a lot of things I want to do. Like, with me being in college, I want to eventually become a CPA, and run my own firm there. But also on the side, I still want to continue doing my real estate. And just having thinking about those two things, just makes me excited in general. And then also, like, in the future, I know that once, or if these take off, I can use the capital, the funds I make from this to, you know, towards my investment properties, you know, flips I want to do in the future, just thinking about those things. And just knowing that I have the potential to do it makes me you know, excited and knowing that I can do it just you know, gives me that drive, because there's that power to that. I know that if I play my cards, right, and if I continue to do the things, I'm doing stoic staying, you know, just passionate about what I'm what I like to do, then things will eventually work out. And that's something that drives me the most.

Rick Ripma: 25:56

Yeah, yeah. It's, it's a amazing, you have such a I mean, your outlook is much older than than you are. You have a really good outlook on on life. And you kind of get an idea of what, what, how it's all gonna play out your plans, though. They don't always play out the way you want them. Yeah, for sure. You what you do today affects what you know exactly what happened. That's the biggest

Khushvider Kailey: 26:21

thing like me coming here to this podcast. If I hadn't come, I'd probably do something different. That would have led to a different, you know, outcome. So it's like, even the smallest things will always lead you to completely different outcomes. And yeah, it's it's tough to understand, but you always have to keep it in mind for sure. Yeah, you do. You

Rick Ripma: 26:38

always have to keep in mind isn't everything. Everything you do matter. We talked about that earlier, everything that I do matters. So what do you what do you like most about real estate at this point in time in your career? What is it you go, wow, I just really liked this piece of real estate,

Khushvider Kailey: 26:53

that one piece would probably have to be just the amount of people that I can network with and meet. There's always been so many new people that I've met so many new connections, so many new friends and people that I never thought I'd be friends with. And now that I've joined the real estate community now that like, I've met all these new people, not only are they people that I work with in business, but also people that, you know, that I've made friends with, and that I can actually go out to, you know, with, like social events and things like that. I think that's the biggest thing that I've met all these new people I've met. You know, so many people who do so many different things and like, the like, now I have so many people to reach out to as well if I have something that I want to try or like a business venture, I can reach out to them and get input from them and like help from them as well. So like, that's just the biggest thing, just networking, you know, getting more contacts and your phone, things like that has been the by far the best thing for me. Okay,

Rick Ripma: 27:47

so let's, let's move. Let's learn a little bit more about you. So let's say, you know, you have a day where you you aren't allowed to do any schoolwork, you aren't allowed to do any real estate. You aren't allowed to answer your phone for real estate or schoolwork. Yeah. What would you do for fun?

Khushvider Kailey: 28:05

I'm probably just hanging out with my friends. I mean, well, if I don't have my phone, I can't respond. But well, yeah, you can hang out with you. Hanging out with my friends. Going to workout playing basketball, things like that. I tried whenever I do have some downtime. I try to you know, get some basketball in there. Just you know, go out. Do some things. I like I have a motorcycle. I like to ride the ride on the weekend. Whenever I've got some time so just that's what I like to do on my on my free time. Okay, so what what kind of motorcycle? It's a Kawasaki Ninja 400. That's a bike that is good. For starters. It's like a sports bike. But it's a lot of fun. Yeah, I'm proud of this. Yeah, yeah, it's 400.

Rick Ripma: 28:46

So it's not it's nothing crazy. Not crazily fast. Yeah, it's still gonna be pretty. It

Khushvider Kailey: 28:50

gets it gets a kick out of it. And whenever, you know, whenever you take it out, but I've actually want to upgrade one day, so hopefully, hopefully we can do that. But obviously with the winter coming up, you know, it's going to be more harder to ride but yeah, yeah, colder, dry. coolers. Right. You still do I still do it. Yeah, but it's probably not a good idea.

Rick Ripma: 29:10

Yeah, yes. No, undergrad, you don't want to do it. I have one of my very good friends. He's he loves motorcycles. And he has to, and he has a Ducati

Khushvider Kailey: 29:20

Oh, my God. dream bike and he has

Rick Ripma: 29:22

a coma Saki 750 or something. And he said, he said the reasoning as to is he can't he can't decide which one he would get rid of. Yeah, it's like some both for different reasons.

Khushvider Kailey: 29:36

Yeah, like I think the 750 would be more like a cruiser type vibe. Or more like it's still a lot more fun to ride more. Yeah. A lot more fun to ride. Yeah. And then the Ducati is more like sports bike. Yeah. So I

Rick Ripma: 29:47

can't even lay it down. Yeah.

Khushvider Kailey: 29:50

There's no way Yeah, I mean, that is one of my dream bikes for sure. I it's a lot of fun. Getting into bikes, but yeah, they all have their own purposes. Yeah,

Rick Ripma: 29:58

that's awesome. Yeah. All right. I've never ridden I've ridden bikes, but I've never owned a bike and I, I watched somebody have a really a bad accident on a bike. And I like my career of ever wanting one, but partly because I know me. And I love that acceleration.

Khushvider Kailey: 30:16

Yeah, it once you start accelerating, it's almost like you don't want to stop. When you're going, you end up going so fast to the point where you look down and you don't realize how fast you were already going. And yeah, that's, that's one of the biggest things I had to think about as well. Like, I can't like getting a bike. There's a lot of accidents you can get into you know, there's so you have to be just very careful, because even the slightest smallest turn, or wrongdoing on the road can result in a terrible accident. So you just have to be very careful. And once I realized that, you know, I I haven't rode it as much as I used to, but still here and there on the weekends. Yeah.

Rick Ripma: 30:51

Well, yeah, it was kind of hard this time of year to ride too much. And yeah, so if somebody's listening, and they go, gee, I want to work with him. What is the best way to get a hold of you if they have any real estate questions or needs?

Khushvider Kailey: 31:02

Yeah, best way probably my phone number 317-478-7607. or social media. I'm on Instagram. I use that probably more than Facebook. It's K h, US H. jpg. So at Kirsch. jpg is my Instagram. But smartcash K h, U S. H, okay. Yep, K, H, US H. jpg is my Instagram. And then you can go there and then have it posted too much on there. But I plan to post, as you know, as I work on my careers, I'm still fairly new. So we'll see how how far I can take this.

Rick Ripma: 31:35

Yeah, yeah, well, I think you're gonna go a long way. If you stay if you stick with it. And, you know, you, you were recommended because somebody else, somebody in real estate, who's a guru said, he's gonna make it. That's and he's good.

Khushvider Kailey: 31:48

And it makes me so happy to know that there's people out there who have that belief in me, like, it kind of drives me to know that there's people out there who see me that they know that, that they think that I can do good. And it kind of helps me in my morale that that someone else thinks I can do good. So like, I shouldn't I think the same way,

Rick Ripma: 32:06

right? Yeah, cuz a lot of times, everybody has self doubt that kicks out, right? And you just have to work through it. You just have to ignore it move on. Because everybody has it. Exactly, yeah, you'll have it your whole life, it doesn't matter how successful you are. Even super successful people still have,

Khushvider Kailey: 32:23

yeah, it's gonna be there. And it's probably not going to be in business all the time, it could even be in your personal, it's going to be there.

Rick Ripma: 32:30

And to get a hold of her, I got a HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. Or you can give us a call at 317-672-1938. That's 317-672-1938. Now you can call that number that is not a text, it's best to go to our website at hardworking mortgage guys.com. You can get all of our contact information right there. And we're going to move on and we're going to talk about our question of the week. Okay, and our question of the week and this this. I hope you have one. What was your first car,

Khushvider Kailey: 33:03

my first car? Well, I haven't bought one on my own just yet. Because my parents I'm blessed enough to be provided a car, but it was it was a 2017 Toyota Camry is what I was when I drove to back and forth. Okay. Do you still have that? We still have it? Yeah. But now I'm driving a Tesla. Okay. Yeah.

Rick Ripma: 33:20

Okay. So you have a Tesla now? Yeah. Parents provided? Yeah.

Khushvider Kailey: 33:24

I'm blessed enough to Yes, blast. That is really cool. Given that awkward. Yeah. It was more of like a graduation slash birthday. Slash, like, going into college gives. Like, we had a car before that. But then we saw that there were Tesla's out there as an option for you know, not having to get gas every week. So they were like, you know, we need to get a car anyways. And if we want to save some money, we can get that and I was like, Yeah, you know, who wouldn't want to take? It's a model three. Okay. Yeah, just the standard, but it's been a good card. Some Yeah.

Rick Ripma: 33:56

How do you like it?

Khushvider Kailey: 33:57

It's amazing.

Rick Ripma: 33:57

I like to tell her smile. Talk about it. How much you I

Khushvider Kailey: 34:00

love it. It's a lot of fun. And it does get that kick to it, too. Like they're pretty fast cars. Yeah, they're the plaids. I think it's as flat. Those are in scene. I think it's like 1.9 seconds for zero to 60. I want to sit in one of those and see how that feels. But yeah, they got some kick to it. And it's cool to have those little gimmicks and games in them that you can play while you're you know, parked up or waiting and then even has like Netflix and stuff in it. So you will never be bored in that car. Yeah, yeah, I

Rick Ripma: 34:30

noticed the first time I really saw one I thought wow, that'd be kind of cool. As I was driving, it was at night I was gripped by it in the screen. It was like a 52. So I was like, wow, that is incredible. And I thought why don't all cars have that? Here's why only electric car doesn't need that doesn't need the extra batteries and electric. It doesn't make any sense. I

Khushvider Kailey: 34:53

don't know. That's definitely that's like a trend that's been with, you know, all the cars that are coming out that are electric. They're all they all have these big screens. And then but the normal gas cars they don't I don't know if it's like just something that only the electric cars can have. I

Rick Ripma: 35:06

don't either that makes sense to me because I mean I love that

Khushvider Kailey: 35:10

yeah it's neat.

Rick Ripma: 35:11

I have four screens in my office right biggest screen in my office is a 65 inch like big screen yeah you know I don't want to 5065 inch in the car but I want a nice big screen yeah so those cars you were talking about the speed and if you can't tell I really liked cars. I can tell with the idea that the I was watching a show on it and they had a Tesla and I think it was an ass when the plaid okay and it was no it wasn't it was the it was the it was the one that the doors come up like this with the X and my legs. Yeah. And they raced a Lamborghini

Khushvider Kailey: 35:53

yeah and it probably be beat yeah those cars are insane but the one thing I do miss is probably the sound when you when you're driving it's dead silence but I wish I had that you know the the roaring VA or whatever behind you but yeah, that's

Rick Ripma: 36:09

all there I just put some speakers in it and put a good tape know it's funny because the Japanese bikes did that. mimic a Harley so they they actually made it you know that is neat. Sound like a Harley and the Harley suitum over here. Yeah, that's Harley sound. They copyrighted that sound.

Khushvider Kailey: 36:29

Oh my gosh, I know that there's some cars that do that now nowadays to think like BMW does it now with their electric cars. But now I wonder I wonder how it'll be five years from now. 10 years from now we'll see how it goes. Well,

Rick Ripma: 36:41

it's an interesting it's it's an interesting thing. Yeah, it will be interesting to see where it goes. But but so I got to ask did you like your Toyota better or your I mean, I know the answer. I'm pretty sure either Tesla better.

Khushvider Kailey: 36:52

I mean, I like the Tesla better. But I also love the Toyota. I mean, I don't really have a preference when it comes to cars. I'll drive anything as long as it gets me from point A to point B. But comfortability practicality, probably the Tesla's the best for me.

Rick Ripma: 37:04

I'm thinking at least I'm thinking it and probably other people are it's like well, yeah, you don't care what you drive. You got a Tesla and you drove pretty good cars. Yeah. My first car was off Pacer. Actually, it was a gremlin. And then it was a pacer is That's how bad it Yeah,

Khushvider Kailey: 37:18

no. And I know, some people have it much worse or much better. So I always try to you know, just stay humble in the moment and know that, you know, I've been blessed to drive these cars. And it's just a nice car. It's not a it's nothing crazy. Like, I'm driving like a Lamborghini or anything. But like,

Rick Ripma: 37:32

it's not the ass. Yeah, it's just the norm. Yeah. And they're nice little cars, and there's a good reason to have it. Exactly. That's really good. And it probably helps. I think it helps on your real estate career too. Because you got a nice car to drive.

Khushvider Kailey: 37:43

Yeah, I can definitely say that. Just having that car. People look at you differently. They take you more seriously as well. Yeah. Like just this, you pull up in something that's a little bit, you know, more cleaner, and then you just come off as more professional. Yeah.

Rick Ripma: 37:56

Well, it's funny because my son works for a person. I won't say who they are. But everybody would know who they are. And they're, they're very, very, very, very, very wealthy. Yeah, he's an he was an investment banking, and now he's in venture capital. Chicago. Yeah. And the guy he works for, until recently, just drove like a 1982. Volvo. Oh, my God, that, you know, it was just a terrible old car. Yeah, that's what he drove. And, and then I know, they've just gotten a rivian Oh, yeah. Those are nice. Yeah, those are very neat. But But he still has his Volvo.

Khushvider Kailey: 38:33

Yeah. You know? Yeah. It's like, it's like he's sticking to his roots. Like, you gotta you gotta remember where you came from. Yeah. Because

Rick Ripma: 38:40

yeah, you have to remember where you came from. You know, it's funny, because I read the book a while back, it's called the 5am. Club. Okay. And he that's one of the things he talks about is when you're really successful, you still have to, sometimes you just have to do things that are that are uncomfortable, physically uncomfortable. Like, the, one of the things he talks about is once a once a month, you should sleep on the floor. No, I'm not doing that. On the floor, but you know, I don't You don't have to do everything they say that's what he's saying. You know, so there's, because he says, You got to stay humble. Yeah.

Khushvider Kailey: 39:16

And that's the biggest thing like, like I noticed nowadays, if you go on social media, younger people who I guess when they get when they make their money, make their wealth whenever, like when they're 1820. They change their lifestyle, completely different to how they actually are like, their income can be something from like, the 50 to 100k range, but there'll be spending way more than what they can afford just to kind of flash and you know, show off on social media. And yeah, and you'll see that a lot and then, you know, it's I feel like that's a common thing that's happening nowadays. So it's, and then people start to forget where they actually came from. Yeah.

Rick Ripma: 39:49

I think social media has done that I heard today I was listening to a podcast I heard today. The person said that you can now rent a jet for 20 minutes, just Let's just sit on the runway and take pictures. Oh my god, so you can send them out put on social media. I

Khushvider Kailey: 40:06

wonder how much that costs too?

Rick Ripma: 40:07

I don't know. They didn't say but they said they were talking about how bad because I learned long ago that social media what you see on social media as far as like a personal post, business post, but a personal posts where people are. Everybody wants their life to look like it's perfect. Yeah.

Khushvider Kailey: 40:23

And most of the time, it's not how it comes out to be like, well, not

Rick Ripma: 40:27

life is not perfect. Everybody has challenges, and I don't care how successful you are. You had challenges. I don't care how successful you are. You failed many times. Exactly. Right. Yeah. And I think that's important for people to know. You know, I, my life I've gone through plenty of ups and plenty of doubt.

Khushvider Kailey: 40:45

Yeah. And it's never just a straight ride up. You know, it's always it's like a roller coaster. Yeah,

Rick Ripma: 40:49

it's like a roller coaster. And actually, it's what makes life interesting. Exactly.

Khushvider Kailey: 40:52

Like if life was just, you know, just a straight line, if everyone was the same, you know, it'd be kind of pretty boring. Yeah,

Rick Ripma: 40:58

I actually, one of the things I pray for a life that is that you have difficulties because how are you going to ever grow? If you don't have difficulties, you don't really grow? If there are difficulties, you need those difficulties for sure to help you become a better person. So since you want to, you want to buy rental property that you own any rental property yet, no,

Khushvider Kailey: 41:17

but I have been getting into, like Airbnb arbitrage, I've been looking into some of those. I'm working on trying to get a lease from different locations, and also just finding properties that I can use. But right now, I'm still in like the looking stage of getting a property. And since I'm still so young, it's a little harder to do it with, you know, my credit not being long enough, or not having long enough, you know, income history. But, excuse me, I'm still trying to find definitely a property that I can get, hopefully soon. But and especially in today's market, it's a little bit more difficult as well. Yeah.

Rick Ripma: 41:56

Yep. So. So with with that, what do you see as the big benefit of owning rental property for somebody who's who's never owned it? Or, you know, even not even just rental probably buying a house? How do you see that affecting their financial life, but also, you know, their, their, their life, their personal life,

Khushvider Kailey: 42:18

it's great. Like, if you have, if you're looking to buy a house, and you eventually do buy it, as you're not only just buying a house, you're also making an investment. Like, if you if you buy a house today, it's not like homes aren't going to depreciate, like they're not going to go down. Unless if you absolutely trashed it, you know, but if you if you keep it up, if it has nice upkeep, and you you know, handle it the way it needs to be and over years and say you want to move out and into a nicer place, you've probably gained, who knows 1020 $30,000 on just by owning the house, and then you can use that towards something else that you want to buy or potentially another investment property. Right. So like, you know, that's something I try to keep in mind as well, like, when I'm looking for a home, like you might not be able to afford it outright in cash. But if you're getting the right loans, if you can afford it, and you're you know, you're you're making a smart decision about it. You should be able to, you know, profit off of it. Yeah.

Rick Ripma: 43:12

You know, I heard, I don't remember who it was it said, I'd like to give them credit, but I don't remember who it was. But they said, the quickest way to wealth for most people, is you buy a home, you live in it for two years. You buy another home, you keep that one, you make it a rental property, you buy another home, and you live in it for two years. It's

Khushvider Kailey: 43:32

like essentially paying for your mortgage. Yeah. And then you're kind of living for free. Almost Yes. You know, there was

Rick Ripma: 43:37

a report out and they were trying to claim that it took like 18 years to get your money back on a house. Okay, it was it's the numbers they use were ridiculous. Yeah, we ran that scenario in Cleveland. Okay, which is they said was the worst market? Alright, so we just took a house in Cleveland. And we ran that scenario, one of the things they didn't use is you had to pay for you had to pay to live somewhere. Yeah, right. They didn't even have that factored in. So we factored in very conservative numbers. And we found even in Cleveland, which was the worst market, they said there was, even in Cleveland, it only took a couple of years to get to get to break even after you sell the house, or after you after you own the house. Even if you want to sell it. And after after like 15 years. You're you're you know, 80 $90,000 ahead. Yeah. All right. Because you not only are you gaining appreciation, you're paying down the mortgage.

Khushvider Kailey: 44:36

Exactly. And like, it's just essentially an investment, like you're buying a home, not only just to live in it, I mean, obviously you needed something somewhere to live, but you're gonna make money off of it. So I mean, like, it's a great thing to do. And like a lot of people who rent I feel like they should also look into that as well. Yes.

Rick Ripma: 44:55

Well, if somebody is out there, and this would be the last time I asked you if somebody's out there, they want they want to buy or sell real estate? They want to talk with you. What's the best way to get ahold of you? Yeah,

Khushvider Kailey: 45:06

the best way. My, my phone number is 317-478-7607. You can call text, whatever you may please. My email is cushy binder, Kayleigh 02 at gmail.com. And you can also reach out to me to my Instagram, or Facebook, my Instagram is Cush, jpg, K, H, us h jpg, and my Facebook is just my name, you can just look it up and you'll find me and that's the best way. Alright,

Rick Ripma: 45:34

you said you also do a lot of tick tock is what's the eye to

Khushvider Kailey: 45:39

tick tock is you know, it's like a short form or short platform that's like YouTube, but you know, instead of they get their Go ahead, I'm sorry. Yeah, instead of it being like 10 minute clips, it's like a minute or 30 seconds. But if you my my username on there, I think it's just Christian vendor to this is my name on there. But yeah, so if you're looking for me on Tik Tok, as well, it's just because one or two, or you can just look up my name and I should.

Rick Ripma: 46:00

Okay. Yeah, that's probably the easiest way, isn't it? If Yep. And if you want to get a hold of Ian or I got a HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you give us a call at 317-672-1938. That's 317-672-1938. And we want to you know, if you follow us on on any of the social medias, you know, for that way you won't miss out on any of the Indies real estate gurus, we'd love to have you as as a, you know, following us or you know, and also if you would like it, we'd certainly appreciate that or any reviews. That would be excellent. We would appreciate that also. Well Kershaw, I really appreciate you coming in today. Of course. You're really interesting. I love what you're doing. I think you have a phenomenal attitude. And I think you're going real fast method.

Khushvider Kailey: 46:49

I really appreciate that

Rick Ripma: 46:51

you're doing you're gonna do great.

Announcer: 46:52

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