In this episode of The Mentor Podcast, Ron sits down with Adel Kayati — Ron's partner, lead acquisitionist, and a mentor with Global Publishing. Adel is hands-on with students (including live seller calls) and actively buying deals alongside Ron. In this episode, Ron and Adel lay out a practical, no-nonsense framework to eliminate the biggest risks in real estate while still doing profitable deals right now.

What you'll learn about in this episode

• Why you should never personally guarantee debt—and how that single decision protects your credit, assets, and sanity.
• The title-holding structure Ron uses on every deal: one property per land trust, owned by an LLC (which is owned by Ron and his wife)—and why taking title in your personal name is a bad idea.
• Land trusts 101: simple deed + trust agreement, privacy benefits, and where to find the forms and training.
• No-recourse terms deals: buying with wraps, "subject-to," or lease-purchase—the trust signs, not you; the house is the only collateral; nothing hits your credit.
• The MAO ("mayo") rule for junkers:
• • MAO = ARV × 0.70 − repairs (use 0.80 if ARV > $300k) — and never pay MAO.
• Ron's rehab rule of thumb: only touch rehabs when ARV ≥ purchase + repairs + ~$100k (≈ $50k profit + $50k carrying/transaction costs).
• Why wholesaling is Ron's favorite "no-risk" strategy (e.g., $10 earnest money to $20k–$50k checks) — and why it's a perfect fit for Roth IRA profits.
• FSBO focus vs. MLS grind: why most MLS deals won't pencil and how Ron filters them fast.
• A simple private-money safety check: don't borrow more than 65% of ARV on junkers.
• Market-timed tactics: in a sliding market, get conservative on ARV, avoid most rehabs, and prioritize wholesales and terms.
• Terms-deal cash-flow safety:
• • Make sure non-refundable option deposit > your total cash out of pocket (down + closing).
  • Target ≥5% of price for the deposit; delay first payment until the 3rd month after closing or vacancy, whichever is later.
  • Expect near-breakeven or slight negatives on some recent high-rate loans; reserve part of the deposit to cover a year of any shortfall and big items (e.g., A/C).
• Easy lead targets right now: expired listings and low-equity, newer homes (many recent VA loans) in great neighborhoods—often "sell for what you owe" situations.
• Perspective from 44 years in the business: deals exist in every market—boom or crash—if you follow the rules above.

Resources:

• RonsQuickStart.com — Details and dates for Ron's 4-Day Quick Start event.
• RonLeGrand.com — Additional trainings, tools, and information.
• RonsGoldClub.com — Land Trust training and form libraries (search "land trust") and the "4 LLCs" lesson (mentioned in the episode).
• Sign up for a Free Mentor Panning Session: https://www.RonLeGrand.com/Plan
• Free Training: www.TheMentorPodcast.com/Terms182
• Get Ron's $599 Wholesaling course for FREE when you join his Gold Club for ONLY $99 a month! – www.TheMentorPodcast.com/GC182

In this exciting episode of The Mentor Podcast, Ron LeGrand sits down with Ari Page, CEO of Fund & Grow and the man known in the industry as "The Money Man." Ari reveals insider strategies for securing large amounts of business credit—quickly, legally, and without it impacting your personal credit report. Whether you're a brand-new investor or a seasoned pro, you'll discover how to use credit card stacking to access hundreds of thousands of dollars in funding, perfect for real estate deals, rehabs, marketing, and more while keeping your personal credit score intact.

What you'll learn about in this episode:

• How Fund & Grow helps clients obtain $50,000–$250,000+ in business credit lines—often within 30–45 days.
• The "credit card stacking" method for increasing limits, extending 0% interest periods, and consolidating cards.
• Why using an LLC and an EIN keeps business debt off your personal credit report.
• The minimum credit score and profile needed to qualify—and how Fund & Grow's pre-qualification tool works.
• How to leverage business credit cards for down payments, closing costs, rehabs, marketing, payroll, and more.
• Why 0% introductory APR cards (6–22 months) can be a game-changer for short-term real estate projects.
• The role of third-party services like Plastic for paying vendors or escrow with credit cards.
• Asset protection benefits—how business credit cards can help resolve contractor disputes with chargebacks.
• Membership vs. pay-as-you-go pricing, and why Ron recommends the $3,500 annual membership over the 8% fee model.
• Long-term strategies for building corporate credit that doesn't require a personal

Resources:

• Fund & Grow Pre-Qualification & Special Offer for Ron's Listeners: TheMentorpodcast.com/fund
• Sign up for a Free Mentor Panning Session: https://www.RonLeGrand.com/Plan
• Free Training: www.TheMentorPodcast.com/Terms181
• Get Ron's $599 Wholesaling course for FREE when you join his Gold Club for ONLY $99 a month! – www.TheMentorPodcast.com/GC181

In this episode of The Mentor Podcast, Ron LeGrand welcomes financial strategist and entrepreneur Jimmy Rios, founder of Rios Business Funding and Rios Business Advisors. With over 23 years of experience and a newly expanded international operation, Jimmy has created a powerful ecosystem that helps entrepreneurs secure funding, eliminate the burden of debt, and use leverage intelligently to scale their business.

If you've ever struggled with getting capital or weren't sure how to structure your business for growth, Jimmy lays out a clear path—from funding strategy to asset creation—and even reveals how his team uses high-level finance tactics normally reserved for Wall Street insiders.

What you'll learn about in this episode:

• Why so many business owners fail to grow—and how to break through that ceiling
• Jimmy's "Eye Level to High Level" funding model that uses leverage without long-term debt burdens
• How his team uses reserves and compounding investment strategies to pay down debt for you
• The surprising reasons many entrepreneurs get denied for loans—and how to fix it
• What kinds of funding Jimmy's team provides (including non-recourse options)
• How Jimmy's firm uses creative finance tools—even funding backed by solar contracts
• Why proper structure and business credit are critical for long-term success
• How Jimmy helps clients not only get capital, but also use it wisely to generate income and build assets
• Tax-saving strategies to minimize capital gains after large investment returns
• Ron's reaction to the system—and why he might be calling Jimmy himself!

Resources:

• Free eBook: Decoding the Mystery of Business Credit
  Get it now at TheMentorPodcast.com/RIOS
• Contact Jimmy Rios: Phone: 928-307-RIOS (7467)
• Sign up for a Free Mentor Panning Session: https://www.RonLeGrand.com/Plan
• Free Training: www.TheMentorPodcast.com/Terms180
• Get Ron's $599 Wholesaling course for FREE when you join his Gold Club for ONLY $99 a month! – www.TheMentorPodcast.com/GC180