Incentivizing by helping yourself and helping others is a great way to use money. In this episode, Lisa Hylton gathers some real estate investing insight from Holly Williams. Holly is the Founder of KeepMore.com and has been a real estate investor for many years. With her seasoned skills and knowledge of the industry, Holly shares some tips on how to thrive with passive income through passive investments. She talks about the lessons she has learned from her transition of being a high-powered business executive to professional real estate investor. Learn more about the importance of teamwork, understand the ins and outs of the market, and get comfortable with the market you are investing in in this powerful episode.
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From High Powered Business Executive To Professional Real Estate Investor With Holly Williams
I have an amazing guest. Her name is Holly Williams. She is the Principal of KeepMore.com, and has been a real estate investor for many years. Her active real estate portfolio includes rental apartments in Brooklyn, New York, single-family homes in New Orleans, as well as the LA region, Upstate New York. She is a passive investor in investments in Texas, Tennessee, Florida and South Carolina. She holds a BA and an MA in Advertising Communications from Texas Tech University and was named an Outstanding Alumni in the College of Media and Communications in 2011. I’m excited to have you on, Holly. Welcome to the show.
Thank you. It’s great to be here.
Can you share with my followers a little bit about how you got started in real estate many years ago?
I grew up in Houston, Texas. I did everything that my parents told me to do. I went to school and got a job. They had done the same thing for their lives and put the max and the 401(k) and all of these things. What happened early in my career, I was filling out 1040-EZ, and then I started more and more to moved up the ladder because that’s what you’re supposed to do. I got a job offer to come to New York City and it was only supposed to be for a year so I took it. Here we are many years later, and I’m still here. Life happened and it’s all good.
In the early ‘90s, I read a book called Rich Dad Poor Dad. By then, I had already purchased a Manhattan apartment. You could do that as a normal person back then. I got the primary house, which was good. All of this is good. I read Rich Dad Poor Dad and I started getting interested in rental real estate. The problem with it is I live in the wrong town to buy cashflowing anything and it’s a lot of work. I ended up getting a couple of houses. All of that was good like cashflow maybe $300 a month, but nothing really great. I had friends of mine in Houston to manage it. I plugged along and my career started more and more successful. I crawled and scratched my way to the middle. Nonetheless, I got lucky. I was a relatively early employee at AOL, not early where I never have to work again, but early enough where my daughter will go to college.
I spent my career in advertising and market research. I was zooming along and then I’ve discovered that I started making real money and I was paying 50% of it to the government. I got married and he made less money than me and it costs us about $10,000 a year to be married. He’s a great guy but he’s expensive. I didn’t think there was anything to do about it because my accountant, which now I realized is a tax-preparer and not necessarily an accountant, kept telling me, “You’re making so much money. That’s good.”
Cut to 2010 or so, you know how you get these 1099s, “Congratulations, you’ve made money.” You give it to your CPA. What’s happening is if you’re in a mutual fund specially, first of all, there are all kinds of fees. Forget whatever they say, multiply it times ten and that’s usually what you’re paying because you’re paying for high salaries, you’re paying for offices, you’re paying for all this even if it says free. They’ve got offices all over Manhattan. TD Ameritrade, I love it, “We’re going to get rid of all our fees.” That’s bullshit. How can they afford these offices in the middle of prime real estate across from Rockefeller Center? That’s not free. Somebody’s paying them for it.
I began to pay even more taxes with my investments and not taking any money. The fund managers buy and sell and then they make money, and you pay taxes no matter what. My parents passed away in 2010 and 2011. It was heartbreaking because the market was down. I don’t care how safe it was, but we’re told that to save $1 million, the market returns 10% a year, so you think that you’re going to make $80,000. You’re not going to make $80,000, because that market is going to go up and it’s going to go down and then when you take that money out. It is going to be taxed to the hilt, especially if it’s in a 401(k). We’re told, “Your income is going to go down in retirement.” It’s not. Unless you want to downsize to a little teeny apartment and never go anywhere, it’s going to be a lot.The tax code is all about incentives that our government gives us. Click To Tweet
We’re told all of this and the whole system, the first thing that financial calculators asked you is, “How long do you expect to be retired?” You’re supposed to do this betting game where if you outlive your money and house, people think, “I have all this money and I’m going to leave it to my heirs and all this stuff.” It’s not. I learned all of this firsthand with my parents. I watched what little wealth they had completely disappeared. When they died, I found things like my father was trying to add up how long you can stay in the house. It was horrible. I began to say, “There’s got to be a better way than this. This is crazy. I’m going to move to the Cayman Islands or Puerto Rico. There’s got to be a better way.” I was getting angry at that point.
I don’t mind paying taxes, but I was also sending my daughter to private school to the tune of $40,000 because schools were bad, but I’m paying school taxes. The roads are bad, but yet I’m paying state and local tax. The airport sucked. They’re not good stewards of the money. I don’t know how to do it. I got madder and madder. A friend called me. He was on the board with me at Texas Tech on this school of advertising and he said, “I’m going to quit my job in advertising. I want to learn how to buy apartments and I need investors.” I invested in his first thing, not even knowing I was an accredited investor. I didn’t even know what that was. I invested in this apartment complex. Through the course of that, I began to learn that you don’t have to worry about plumbers and not have to worry about management companies. You can invest passively and get the same benefits as if you bought it yourself.
All the tax benefits that you get with buying rental real estate, you can get with a private syndication, and it’s hidden from us. Even Donald Trump, when he was running, he said, “We’ve got to get rid of carried forward interest.” That’s how the public REITs make all the money and we get dividends that we’re supposed to think are good. That’s that. I learned about multifamily syndication. The second one, he said, “I need $1 million. I’ve got to raise $1 million. Can you help me?” I said, “I’m 58 years old. How hard could it be?” All these people that made so much money, I called my friends and they’re like, “I’ll invest in your advertising company. If you want a job, I’ll give you a job.” That’s when I realized that nobody knew about this and they thought it was too good to be true.
In the news, all we hear about is Bernie Madoff. We don’t hear about tons of private investing that goes on. The 50% of apartment complexes are in America. These garden style apartments are cashflowing. I can talk all day about it. It’s already cashflowing. It’s already making money. It’s already paying, and 50% of them are owned by institutions. They’re owned by REITs, hedge funds and all of this stuff. They’re getting the tax benefits. About another 25% are owned by family offices or people like Alex A-Rod or Warren Buffett. These wealthy people are not going into their Fidelity accounts and buying stock like you and I are.
They have access to these private investments and that’s what they’re making their money that they live on with. Most of them you need $20 million to $30 million in net worth. You need $100,000 or more. A lot of them are even way more than that and those of us who are successful, maybe with a net worth of $1 million to maybe $10 million, I’m very grateful. Don’t get me wrong, but they’re not good stewards of the money. When you say, “I’m paying 50% of my money on taxes and it’s going poof,” people say, “That means you’re making money. That’s good.” It’s not because the Tax Code is written for a reason. It incentivizes us to do certain things. Who would not agree that we need to follow the laws in our country?
In the United States of America, we have laws and we have guidelines. Anybody’s reading and disagrees that we need to follow the laws because it’s our civic duty to do so, in the Tax Code, the 1% are following the law. They are not pulling one over. They’re not ripping anybody off. They’re not pulling a scam. They’re not taking advantage of the American people. They are following the law. Once I realized all of this, I started learning what the laws say.
Dive into that a little bit because I know some people might be thinking how they could be following the laws. Can you expand on how they could be following the laws and also helping the American people?
The 1% think about money logically. I worried about money. I would be able to be a competent business executive, but when it came to money, I would turn into this scribbling mass of scarcity thinking, “I’ve got to get my share. I’ve got to get this, that, and the other thing.” The 1% think of money as a tool to get to where they want to go. If you think about the Tax Code and it’s a gazillion pages long, if we paid tax, what would we need a Tax Code for? The Tax Code is all about incentives that our government gives us and somebody supposedly has thought this through. If you take advantage and do what the law says is a good thing to do but you’re going to create jobs and revenue and you’re going to make the country better. One of the things that the government incentivizes us to do is to buy real estate.
Rich Dad Poor Dad talks about it so I’m not saying anything that’s new. There’s a book called Tax-Free Wealth by Tom Wheelwright and it’s wonderful. None of this is anything bizarre. Everything I said, I didn’t think of. I have no original thought in there at all. It’s just that I didn’t know any of this because we’re not taught anything. We’re given this map of the world and if it says vanguard, it must be safe. I’m here to tell you that the 1% know about private investments and all we hear is the bad stuff like the Bernie Madoff. The 1% know about private investments and they take advantage of those private investments. They follow the tax laws and they get tremendous benefits.
My book is called Hidden Investing: What The 1% Know That We Don’t. I’m writing this book about it. We’re going to cover eight myths that we’ve learned and what our map of the world is programmed in or at least mine. Before you do anything with private investing, you have to overcome your map of the world. We’re hardwired to think about money a certain way. When I began to learn how the 1% think and what they’re doing, my life changed. I’m now retired. I moved money from the stock market much to the dismay of my financial advisor. She said, “Holly, you’re making a big mistake.” I moved it over gradually because you have to pay taxes on it. They got you no matter coming and going. I moved over some of my savings. I probably invested about $500,000 in the last few years. I have reinvested those proceeds. I saved on taxes and all kinds of things. I probably have over $1 million in equity and when my income hit six figures with passive real estate investment, it didn’t make sense for me to work anymore.
You said that you have been investing in real estate for many years. When was the first time your friend approached you with that private placement opportunity to invest? How long ago was that?
What would you say are some of the lessons you have learned over your journey from 2014 to 2020? How do you like to invest now? What is your preferred way of investing?
Cashflow, I’ve learned that bigger is safer. If you think about it, if you’ve got a single-family home, the tenant moves out and you lose a friend. If you’ve got a 400-unit apartment complex and a tenant moves out, it’s not that big of a deal. That gives you a chance to renovate it, do light renovations, raise the rent and put somebody else in there. The second thing I’ve learned is that commercial real estate is a whole different animal. The value is based on how much money the asset makes so net operating income. What happens is if you have an apartment complex and you can raise that net operating income, you get add exponential value to the asset.
If we build a carport, we know that in Dallas, people will pay $100 more all day long to have a covered parking spot. The second thing is you’ve got to buy for cashflow. What makes real estate risky is when you buy the plot of land and you build something, then the economy tanks, you don’t have any cashflow, and you have to pay the taxes, all of those kinds of things. In New York, we don’t understand buying for cashflow. Why? For appreciation and market. In places like LA, San Francisco and here, you’re betting. Hope is not a strategy. If you can find a cashflowing asset, which you can do in places like the Carolinas and Texas. When the economy goes bad, people move to an apartment. They move out of their houses.
You can mitigate some of the risks. You can also mitigate risks by making sure that you go in with about 30% equity. As a matter of fact, with commercial real estate, they won’t loan you the money, unless the thing is cashflowing. If you get a Fannie Mae loan, they won’t do it. They spend two days going through the whole thing and you have to have sponsors that have the net worth of the value of the loan. All of these things are in check. You’re not going to a house and they’re doing it again. I was in Dallas. I heard that because I go down and look at apartments and help find deals.Before you do anything with private investing, you have to overcome your map of the world. Click To Tweet
You have to have a team of people and you have to know who that team is. If you go in with low leverage, a loan product that you don’t have to get out of at the wrong time, you see if it’s cashflowing, and you’ve got a debt service coverage of 1.7 to 1.8 which is what we do. That means that that income right now before we even buy it can go down 60% to 70% and we can still make the loan. There are all kinds of expenses running it so you probably know. We stress-test the things and usually you can go down about 30% in anything I bought. How often do the rents go down 30% in a market?
Not that much.
You’ve got to think logically. We’re buying from REITs and all those 50% to 75%, 25% buy on entrepreneurs like myself and like you. It’s changed my life. I retire on passive income and I have to do something. My daughter is a sophomore in high school and what am I going to do, sit around?
Do you prefer the asset class multifamily or do you do other asset classes as well?
I have invested in a couple of things. I share opportunities. You have to know somebody that has access to this stuff. My business experiences have been good. I hear people say, “Quit your job and get into real estate.” I wouldn’t do that because you need partners to do this because it’s executing a business plan on behalf of investors. That’s what this is. These investors happen to be my friends and family. It’s the people I have a relationship with, so I have to talk to you and I have to know you before I can even show you specifics of what I’m working on. You have to have a net worth of $1 million to play in this but it beats having a net worth of $30 million. You need to be an accredited investor and all of those things.
When you play actively, it sounds like you like to play in the multifamily space.
That is the short answer. There are many ways to do this, but I’ve found that for taxes, you can get an income and you get paper losses that offset that income. If you are making 7%, 8% or 9% and you’re not paying taxes on it, that’s a whole different ball game. It’s a game-changer. The single-family house that I talked about, we get these paper losses with these passive investments. With the money we get there, I can offset that income too.
The income coming off of a single-family homes and other real estate investments. You spoke a bit about the idea of bigger is safer. It sounds like out the gate when you were doing passive investing, you definitely went into larger properties. What advice would you give for individuals who are interested and perhaps investing passively in syndications? Where do they get started? What are some of the things that they need to start thinking about if they’re interested in doing that?
This might burst some bubbles but this is just my opinion. I’m not a tax advisor and I’m not a CPA. I’m somebody that understands this because I’m an investor. I still invest right alongside people I share my opportunities with. There is no such thing as passive investing. The first thing you have to do is wipe that out of your world. The money has to come from somewhere. The money with me came from a job. Jobs aren’t bad. They teach you a lot of things. You either have to have a job or you have to work hard and get lucky with single-family homes, duplexes and all that. You’re then relying much more on the market than you are on income and it’s hard to evaluate. You’re taking some chances.
However, all of that said, we bought a four-family house in Brooklyn and live in it to this day. The rents pay the expenses. With small multifamily, you can do that. What I would do if I was young and just starting out, I would house hack. I would get a duplex or something but even then, in a place like New York City, you still have to have money. You’ve got to have money from somewhere. You either need to buy a train wreck and fix it up. If you don’t know what you’re doing, you could get in a real mess. I know what I’m doing and I work with people that know what they’re doing, and put a lot of risk mitigation in place.
You can make a lot more money by buying a vacant lot and building a big high-rise but you better be ready for the market. You can make a lot more money but it’s risky. Most people think of investing in real estate. That’s what they think of. Buying a home and making sure that it goes up in value. That’s not necessarily the case. If you’ve got a commercial property, you can force appreciation by raising the net operating income because that’s the whole ballgame. That’s how they’re valued.
Connected to that, “There’s no such thing as passive income,” one of the things that come up for me when I’m talking to people who are interested in investing in real estate is getting comfortable with the markets that they choose to invest in. What are some of the ways that you get comfortable with the markets you go in and invest in?
Here’s the deal with large multifamily. I have invested in Houston and markets that I know and I grew up down there. With large multifamilies, you can’t do it yourself. I’ve never known anybody that’s been able to do it. You have to have a team. You have to know that team and that’s what I do. I know the team. If you try to evaluate all these things, you’re back to evaluating the property. I only work with a few syndicators and I make sure that I help them with marketing and advertising, that’s my background. I invest, so I find things that I want to invest in because I don’t work anymore. I offer to people that I know. I have to get to know you first.
You’ve got to go to teams that don’t need the cashflow through the whole period. That’s a requirement of mine. You’ve got to go with teams that somebody’s there to manage the management company. I have partners that live in Texas, the Carolinas and Florida because I live in the wrong place, unless you want to move there and live there. You need to be on top of this stuff even if you do management company. You need to be on top of it. The large institutions can afford to take a lot more risk, number one. Number two, they don’t see the little stuff.
I talked about the carport that’s interested in raising the income $100, but if you’re not paying all these salaries and fees, it’s crazy. Anything public and even private REITs. The public REITs is the worse. The richer you get, the more you have access to better stuff. That’s exactly the opposite. We will think that the 1% are wheeling and dealing and all this stuff. The stock market is where you wheel a deal because it’s hope. Hope to me is not a strategy. We readily give our entire life savings all the time over to people that immediately tell you that they have no idea what’s going to happen. Except it throws off 10% average a year. If it’s going like this and you need that money to live, at some point, it’s going to be like this. If you take that money out, you’re done. You’ll never get it back. There goes your 10% because now you have less principle to fold it and that’s what happened.
If you could talk a little bit about underwriting and due diligence. I know you mentioned that you generally play in the area of marketing and advertising but as a passive investor, I’m curious about your approach to those two. Do you get involved in those areas on your deals? What advice would you give to other individuals who are getting started as well?We're hardwired to think about money a certain way. When you begin to learn how the 1% think and what they're doing, your life can change. Click To Tweet
You’ve got to develop what you’re comfortable with investing in. I want cashflow and I want conservative. They need to do what’s called a stress test or a sensitivity analysis. That means, how much can this income go down? Can we still make our expenses? What does that look like? There’s a lot involved and honestly, one of the things to get the good deals is finding underwriting deals. It helps when you find them off the market and that involves knowing everybody in that market. When I was in advertising, I sold market research. The clients that were easy to deal with and the clients that I knew would not give me a hard time and do what they say they’re going to do. I didn’t blood give them. They paid less money.
The clients that would tell you yes, you sit on the contract and have to get twenty approval and the bosses don’t know. They bail out because their boss didn’t approve it or they get the contract and they want to negotiate more. You raise the price because that’s that. It’s the same thing with this. If you’re a broker and you know the listing, who are you going to take that deal to? You know people that know what they’re doing and can raise the money when they say they’re going to raise it. They won’t get it under contract and start doing all these unreasonable things and you’ve worked with them before and you trust them.
If you can close in a couple of months or whatever, you’ve got to be ready to do one of these deals if you’re going to do it too. You’ve got to know the people and you’ve got to be ready to jump on it because they fill up. If you know people, you’re going to take it to them. On a $20 million deal, you’ll take $1 million left. With a stock, you’re always paying retail. With real estate, you don’t pay retail, not if you’re doing it right. Nobody pays retail. Immediately, you’re walking in and you make sure you raise enough for a rainy day, all of these things. Those are the things that you have to look for.
I didn’t know any of this when I first started. That’s what people have to know me because it’s like, “This is my criteria.” There’s the A team and there’s the B team. I used to be an ad tech and I didn’t even know I was an accredited investor when I was investing in things that are accredited investors had. You had to be an accredited investor but all the deals that I knew about were my friends in tech. The people that are getting the access to the deals like Amazon before it goes public, you don’t get access to the A team deals. If you deal with people that know what they’re doing, “I know what I’m doing and I know my partner knows what they’re doing,” you’ve got to make sure that you look at the underwriting.
The biggest thing to me is, “Is it making money? Are the expenses and the projected rents legit?” I’ll go down to a market and I’ll secret shop. I’ll make sure that the marketplace can handle and absorb what they’re underwriting to cover. Does this team have business experience? You can’t hire a management company and say, “The management company screwed up.” No, you screwed up. Why did it take you three months to realize that the management company was screwing up? It’s those kinds of things that you have to watch out for the team and the market. This doesn’t work, at least in my opinion, in markets that are not growing and not job creating.
Name me one Fortune 500 company that has moved their headquarters to New York. I tried to get Amazon, but I can tell you McKesson moved in. There are scores of companies. You’ve got to have job creation and you got to have investment friendly places. That’s the other problem with places like New York and LA. They don’t like landlords because there are a few landlords that are bad, so now all landlords are bad. It’s like fur. A few people abuse the minks and there are other people who are legit.
I have my last bit of questions, which are my level-up questions which I ask all my guests. The first is, what are you grateful for in your life now?
I am grateful that I am healthy. I am grateful that my family is healthy, although my husband is home with the flu. He’s going to be okay. I’m sure of it. That’s the big thing, it’s health. I’m grateful that God gave me this opportunity and a platform to share it. It’s criminal what’s happening to people when those of us who have followed the rules. The system is set up for you to die broke. My father took the lump sum from his 35-year career at his company instead of the pension.
I remember my mother telling me all these things about how they’re going to live on this and have all these golden years and all the stuff and leave a legacy. She said, “We’re taking a lump sum because we’ll have something that we can leave for your brother.” This is what we tell people. This is what we think. We think that this money is going to throw off all this income. You’ve got to have a lot of money and I know a lot of people that don’t have a lot of money. If you’re a professional and you and your husband are making $100,000 to $300,000 a year or whatever for your household income and you think $1 million or $2 million is going to do the trick, good luck. You’re not going to keep your lifestyle. My expenses go up.
The cost of living is part of the game and people want to travel.
I feel that I haven’t gone anywhere. When I was working, I have two weeks of vacation. I’ve got lots of room for vacation. I can do whatever I want and spend more money. I can attend classes. It’s a game changer.
What do you believe is key to your continued success and growth?
It’s giving. You get what you give. I wrote on my book about the abundance mindset. If you think about the world and the universe, it’s always growing. I go back to Houston and there are whole neighborhoods that used to be cow pastures. There are whole roads I don’t even know that they built two tollways. We used to have a loop and now they’ve got two loops and it keeps going. The universe expands and it’s infinite expansion. There are plenty for us. If you get what you give and you give value to people, they will give value back to you. When I invested with my friend, Joe Fairless, you should look him up. I did it mostly to help him. I didn’t know what I was doing. When I said, “He’s a smart guy,” and now I’ve gotten that back in spades.
He started in advertising.
That’s the connection. I was fortunate about that. It was six years before I was ready to leave my job. It’s hard when you’re a corporate fat cat too. He’s extraordinary but his deals fill up in five minutes.
What do you wish you had known at the beginning of your real estate journey that you now know?There is no such thing as passive investing. The first thing you have to do is wipe that out of your world. Click To Tweet
I wish I’d known that these hidden investments are possible. You have to be an accredited investor for the most part. I saw an interview with somebody. It was some famous actor, Brad Pitt or something. He’s like, “It’s crazy because the more money you have, the more free things you get.” It’s like Nike with Michael Jordan. He’s got shoes all over the place. He doesn’t pay for them. That’s the way it is. One thing I did correctly was I lived below my means. All those fancy cars were leased for the most part. I still had a good time. You still got to have a life. You still got to have some fun. People say, “Don’t go to college. It’s a waste of time.” I don’t subscribe to that. You see some outliers and the smart people like Mark Zuckerberg and Elon Musk. Most of them started out with money too, by the way. You see some outliers that didn’t go to school. I’m a big believer in not necessarily the education itself but the experience.
I enjoyed this interview. I learned lots of good information. If my readers would like to learn more about you, about your book and all that stuff that you have cooking out, can you please let them know how they get in touch with you?
KeepMore.com, that’s my website. I’ve got some resources there. My email is Holly@KeepMore.com. If you go to my website, you’ll find out most of everything that you need to know. That will direct you to the right place. It’s great to be here. Thank you so much.
Thank you so much as well. Thank you, Holly.
That was another amazing episode. Thank you so much, Holly Williams, for being on the show. I appreciate it. There are many good nuggets in this episode. Some of my insights from the episode that I took away personally was, “The 1% think of money as a tool to get where they need to go.” Always think about the way in which you can use the money to help yourself and other people, which brings us to the next bit which is, “The Tax Code is all about incentives.” The Tax Code is huge. Why is it big? She talks about how the Tax Code is written and it provides you with tons and tons of incentives in investing in real estate, providing housing for other people and providing jobs for people. It’s all about what the Tax Code is trying to incentivize people to do. By doing so, they are able to reward you for the jobs and housing and the difference that you’re creating in your communities because of what you’re doing.
She talks about how bigger is safer. It’s going into larger properties as opposed to buying one single-family home because if the tenant moves out, you have no income. Whereas if one tenant moves out of a 400-unit complex, you still have lots of other tenants paying income as well. Investing for cashflow, the importance of doing that and hope is not a strategy. She said that a couple of different times. I love that. We talked about a couple of more things. The most important thing that came up a couple of times was the importance of the team and understanding that it’s impossible for you to know everything, to know every single market, the ins and out of that market, and know all the different relationships. You might know one market super well but then you have other people on your team that know another market super well and they have the relationships.
The other thing that I thought was insightful is having team members that live in that market or are in that market and the importance of having that. I would say fresh off of coming from San Antonio at James Kandasamy’s Due Diligence Weekend. I could truly see the importance of being able to have people in the market to go out there to see the properties. That point that she brought up, which is having partners that live in these markets, because you need to be on top of that. You need to be able to go and see what’s going on with the asset. Pop in and have those checkups with the property and make sure that things are going as planned. There are many good nuggets. I hope you found this to be informative and inspiring to read. One of the things that she mentioned was the importance of having a job because, at the end of the day, the job is also generating the income that you are ultimately using to invest. Until next time, keep leveling up. I look forward to the next episode. Take care.
About Holly Williams
Holly Williams, principal KeepMore.com, has been a real estate investor for over 20 years. Her active real estate portfolio includes rental apartments in Brooklyn, NY, single-family homes in the New Orleans, LA Region and Upstate New York, and passive investments in Texas, Tennessee, Florida, and South Carolina. She holds a BA and an MA in Advertising Communications from Texas Tech University, and was name Outstanding Alumni of the College Of Media And Communications in 2011.
KeepMore.com works with the best syndicators in the business to bring passive real estate investment opportunities to accredited and sophisticated investors. To date, KeepMore.com has co-syndicated over 20 multifamily apartment communities, encompassing over 4500 units with a combined valuation of over $400 million.