Jeremy Montoya

Jesus first 🙏🏾 Deals second.
Faith x real estate x fitness
Investors DM BUYER for access
Sellers DM "Private" for help

[Jeremy Montoya @WhatUpJeremy]

Most wholesalers get on the phone and immediately talk price.

That's why they lose the deal.

The seller doesn't care about price yet. They care about being heard.

[Jeremy Montoya @WhatUpJeremy]

Faith isn't blind. Sometimes it's the only thing that sees clearly. 🙏🏾

[Jeremy Montoya @WhatUpJeremy]

@coleruudjohnson Build

[Jeremy Montoya @WhatUpJeremy]

Most home owners think their only option is bankruptcy or foreclosure when you’re behind on payments.

There at least 2 options the bank and real estate agents won’t EVER tell you about.

[Jeremy Montoya @WhatUpJeremy]

Plus, we do the dirty work agents can’t or aren’t willing to.

[Jacob Naviaux @Jacob_Naviaux]

People who think wholesaling should be banned are completely out of touch.

Wholesalers fill a massive gap in the marketplace.

Some sellers don’t want to sell the traditional way through a Realtor.

A lot of investors don’t want to compete with the entire market on the MLS.

Wholesalers connect those two.

That’s why it’s a multi-billion dollar industry.

If you don’t like wholesalers, no one’s forcing you to buy from them or sell to them.

Stay in your lane.

[Jeremy Montoya @WhatUpJeremy]

Forbearance bought you time. Use it to understand ALL your options — not just the ones the bank gives you.

DM me HELP if you're in this situation, you may still have time to save the situation (and your credit).

[Jeremy Montoya @WhatUpJeremy]

Loan assumption: a buyer qualifies to assume your existing loan. If you locked in a 3% rate, that's worth real money to the right buyer.

(Downside: can take up to a year for the process to finalize.)

[Jeremy Montoya @WhatUpJeremy]

Lease option: the investor leases the property from you with the option to buy in 3-10 years.

You get income now. Full buy-out later.

They assume all the risk.

[Jeremy Montoya @WhatUpJeremy]

Subject-to: an investor takes over your existing mortgage.

They make the payments.

You exit the obligation without a traditional sale. (saves you precious time and gets the bank off your back)

[Jeremy Montoya @WhatUpJeremy]

Here's what most homeowners in this situation don't know:

There are creative structures investors use to take the property (and the payments) off your hands...

ENTIRELY.

[Jeremy Montoya @WhatUpJeremy]

Most homeowners in forbearance think they bought themselves a solution. They bought time.

There's a difference. 🧵

[Jeremy Montoya @WhatUpJeremy]

So when the forbearance period ends, you're in the same financial situation.

Except now the clock has run ⌛️

[Jeremy Montoya @WhatUpJeremy]

It gets tacked onto the back of your loan. Or structured into a repayment plan.

Either way — you still owe it.

[Jeremy Montoya @WhatUpJeremy]

Forbearance means the bank agreed to temporarily reduce or pause your payments.

What they don't tell you: that money doesn't disappear.

[Jeremy Montoya @WhatUpJeremy]

I traded hustle for peace...

Best business decision I've made in 15 years 🙏🏾

[Jeremy Montoya @WhatUpJeremy]

Most investors can only see one strategy per deal.

The real $$$ is in what happens when you stack
three.

[Jeremy Montoya @WhatUpJeremy]

Phoenix is officially a buyer's market. Inventory up 15-20% YOY.

If your strategy hasn't shifted, you're
already behind.

[Jeremy Montoya @WhatUpJeremy]

@rjgcoach you're not wrong! Seems like financing is your game and you have some cool projects going on 👊🏾

[Jeremy Montoya @WhatUpJeremy]

The bank doesn't want you to pay off your mortgage.

Think about that for a second.

[Jeremy Montoya @WhatUpJeremy]

Fix-flip margins just hit a 16-year low. Most wholesalers are still pricing deals like it's 2022.