Building Generational Wealth Through Real Estate: Insights from Ngozi on Investing, Homeownership & Financial Freedom

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As you can see, we have another guest with us. Her name is Ngozi. Hello. I said it? Yes. Ngozi. Okay. So we're going to continue this conversation. As you guys know, we do not have interviews, instead we have genuine conversations. So let's get into it. All right, so we're going to start with an icebreaker. You ready for yours?

The what? Icebreaker. Okay. All right. So your icebreaker is, if you could design your dream home without any budget constraints, what unique feature or element would you absolutely want to include?

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Basically the front of the home is going to be all glassed out, like glass. And then same half of the back glass home. I just like the air, the modern and not having it. I don't, I don't like a dark house. So, um, Backyard is real clean, but still a lot of, still lit. Yes. Definitely clean, still lit. not a lot of colors.

I like, you'll be shocked that I will add a lot of black in the house. Keep it light, but then probably use a lot of black finishes. And they just like, it's just compliment each other so good.

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[00:01:46] Ngozi: Everything will be black. Maybe the countertop, the sink, because it has all the lights and then just paint it white. It's, that's just me and the color is just so cute. Perfect.

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[00:01:59] Ngozi: my house is just a regular house. I don't know.

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[00:02:04] Ngozi: Yeah, it's, it's a little, it's a little bit modern. It's not custom build. So I couldn't get as much windows and glass the way I want it.

But yeah, it's a lot of black also, I always want maybe one color. So I got to like, um, Yeah, a pop of red somewhere and it's like black and some grays and sassy.

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[00:02:29] Ngozi: Yeah. Red is my favorite color. That's why. Actually at my wedding, my girls, we, uh, the ladies, they wore red. Oh, that's cute. The dress was red.

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[00:02:40] Ngozi: Yeah. Just a little pop. But then everything else just got to come down. So yeah, we don't need it to be too much. That's true.

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[00:02:50] Ngozi: Yeah, and just some, some grays in, in and out.

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[00:02:56] Ngozi: Yes. Not too much. I don't like it. It fits too much. I don't like a lot of stuff. Yeah. Just keep it clean, minimalist.

But then also I want you to be like, okay, I see. Yeah. Like you're trying to figure it out, but it's not too much. Like where's the rest of the things that you don't really need it, but it's still that kind of thing. I don't know.

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How we usually start is who is the guest? So for you, who is on Ngozi?

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[00:03:46] Brianna: Still in the D still.

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I am the ninth child out of 11 kids, one brother and the rest are sisters. So I have a big family. I'm a friend, a sister. I love to travel. My family is everything to me. And beside my family and travel, you can have me talk about real estate all day.

So, real estate is everything too. So, that's me.

I love that. Even though she talked about real estate, you have already a big smile, but it just grew up a little bit bigger when she talked about real estate. my husband always said, don't get her started.

Once I start talking about real estate, he just find his way out. He just like, yeah, we ain't living today. So he's out. So I was. That's just like, that's everything.

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[00:04:49] Ngozi: So, well, I, my dad is actually who I always like, you Basically, he was the one that was in real estate. He wasn't selling. He just invest a lot in real estate. So growing up back home in Nigeria, cause my dad, was in Nigeria. So he bought a lot of lands. He tried to build houses, but he, he bought more land.

And he always says that You can never have enough land. That's one thing my dad, like every dollar he get, he buys land. he owned two hotels. So that's like the, the thing that I kind of like seeing him is like, he's, he's always be like, if I, I can buy land, if I ever need money, I'll sell the land and get the money.

Cause like my dad will don't buy. He's not like a car person and I remember like I'm not sure which of my siblings asked him that like, you know Can you get a new car cuz he had like two three other cars, but it wasn't it wasn't flashy So my dad was like no They'll still work if this is not working.

I'll move to the next one. They both of them work So if this is getting fixed I will drive this car. And my dad was like, but I'm not sure which of my siblings asked. I knew someone asked that question, but he's basically saying that I'm not, I'm not spending money on cars if I don't have to, but he's like, see real estate.

And he always be like, if I need anything, if I buy this land, it's going to stay the same value or higher, but the car doesn't. Appreciate depreciate, but my lands always appreciate. if I ever need money, instead of me going to borrow money, I'll sell one of my land and I'll sell it more than that.

So hear my dad talk about real estate like that, even though he wasn't selling, he just buy even now in my family or in our, in our family, we have lanes. Just sitting out there that we haven't touched like 50 acres It's like a couple like my dad just buy land just to buy land. So we have land So that's kind of like something I always see him do growing up.

So when I got here It just was not an option because of where I'm from. They always want us to do everything medical. I started in pharmacy school. I just knew that I wanted to do real estate, but my sister in law approves it. It's just not what she wanted because she wanted me to go into medical and I just

Keep fighting it. And, just, when I got married and had a conversation with my husband, he's like, you always talk about real estate. It's just something. And I watch it on TVs and I read about it. I just. sit around and I look up houses for no reason. And he's like, just go do it.

Like he is almost like he was tired of hearing me talk about it and he's like, please go get this done. And so I got it done. I was pregnant for my second son. And, yeah, and I started taking the class and right when I was almost finished, I had my son.

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[00:07:38] Ngozi: Yeah, yeah.

Uh huh. So, had a son and that's, like, maybe when he was, like, two months, by the time I finished, I finished, and go take my exam.

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[00:07:54] Ngozi: No, I don't. my dad passed away before I could actually make it out here.

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[00:08:01] Ngozi: No, it's okay. But those are the motivation that actually keeps me, like that actually always get me going because it is the foundation that she laid. For my family that, um, my family back home, at least let me just put it at my brother is surviving without whether he has like a job with his degree or not.

It is the real estate that my dad, like the hotels that he has that my, my brother, like it's basically living off of those. And even though he don't sell my dad's land and anything, but it's always something that. If anything ever happened that we will need to, yeah, he can. I mean, he always be like, if you need to start off anything great, you can take one of the land or something like that.

So before he passed away, two of my sisters got married before then. And whenever he, he always give us a gift. The two sisters got a land. Every one of my sister who got married got a land before my dad passed away. I didn't get a chance to because he passed away before them.

at least my two older sisters who got married, my dad buy them all this, the, you know, going away gift and he always give them a land. So those is like, All the things. I don't talk to my dad about it, but I talk to my sisters about it sometimes.

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I'm sure he's absolutely proud of everything that you've been doing.

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[00:09:27] Brianna: I do want to tap into generational wealth. A lot of times people say it, but you are actually a product of it. You know, seeing that your sisters received land when they got married, you seeing your father do business deals and bottling.

And even though you were young, that still made an impression on you.

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[00:09:49] Brianna: And so with that, what are you doing now? Or any ideas that you had that you want to give to your kids, your little ones?

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The goal is to buy houses, buy land as much as I can, because like I said, they don't make them anymore. If you buy it a dollar today, it will be 2 tomorrow. So what I'm doing now is I'm trying to get as much land as I can try to get a house, like, you know, rental properties.

the goal is to get as much that my kids can literally like, okay, when I'm no longer here, they can survive without me or at least get by just basically setting things up. Cause you don't want my kids to, how do I say that? Basically you want to set them up so they don't have to go through what we went through.

So the goal is to get more land, get more investment that, because regardless of what is always going to go up.

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Or I want to do this. And sometimes people aren't on the same page. So how are you and your husband making sure that these goals are being accomplished?

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You know, there's a lot of changes that happen in those courses, but we always know that the goal is to live generation well. So what we do is, when we have some money, we put some away for investment. I don't care what is happening. I don't care if you run out of gas, we ain't touching that dollar in that account.

So that's the kind of way we do it. we structure ourselves. we have this money. We have to pay bills, pay this. And even before whatever we have left, we make sure we put some things away to be able to reach those goals.

Because if we just spend it. It's gone. So, just like we have an account, If we ain't got money in bed, that's not money. we ain't got no money. Zero balance, that means we're broke. And that's what it is.

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Because again, this is priority.

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Right. So that's how it is. we set it up for the kids to be good, but also when both of us like, okay, yeah, we can do this no more. Like, okay, let's sell one, two, three men straight and one, two, three men state can sustain us maybe five out of five years, a couple of years. Main street run out. We sell two, three on the main street, just basically like that. But those are all part of our retirement plan.

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[00:13:12] Ngozi: Okay. I asked some personal questions cause I want to know how much you have. Saved up for this. Are you buying it? Cause you know, there's some people who buys it, like say, Hey, okay, I don't have a house yet. I want to start off getting my real estate back. I'm going to buy out his first house because I don't have 20 percent to put down.

They probably only have just 3%, 5 percent or 3. 5%, whatever they have. If we're starting on that, they can, I just wanted to see, where are you? Are you coming in as an investor? Are you coming in? Like, I'm going to leave in the house. So if you're going to live in the house, there's so many ways about like, I'm ready to invest or I'm ready to buy real estate.

Where are you coming for? Are you coming for investment Are you coming to live in a house? how much do you have saved up? How much don't you have? So when we talk about, so they, let's just assume that they. wants to invest, but they want to leave there for a couple of years. Like, okay, good. At least you're going to leave there for two years or so we can buy it.

you don't have to bring in 20%. That's optional. But if you're coming in as an investor, yeah, the low required to bring in 20, you know, 20%. So you can stay there for those who doesn't have a lot of money to get started. Do the first investment. doesn't have to be your dream home.

And that's what I always tell people. I know everyone want the big house, the first, you know, the Texas big, the everything. I'm like, yo, no, not everyone start. I didn't even start at a big house. So just get something that you can afford, that is affordable. That's nice. I mean, definitely not big down there.

You have to cost a fix every day, but just get some things done, stayed here for like a year, get your money up, maybe get a better job, save up a little bit and either you can rent it out. that's how it works. Cause okay. Let's just, as if not everyone is able to afford half a million dollar house term, some people can only do two 50s.

Some people can do only 300. And if that's a 50, that's where she starts. start there and stay there for like two or three years, or as much as you can save up extra money. even if you don't have a lot of money left, you can refinance. if you already have up to a hundred thousand dollars in equity, you can refinance, pull some hundred thousand dollars out.

It's still your home rented out. Use the 100, 000 put a down payment on your next house. Now you went from maybe 300, 000 to like five, 600, 000 because now you have enough down payment. Nice. Yeah. And, and I always, I tell people this, like people like, oh, well, I don't want to be responsive and paying rent, paying a mortgage, but you're paying rent.

Look at your rent as You're putting money away. they're telling you, you have to pay your rent every month. You are paying that rent, but you're not getting your rent back, but you're paying your mortgage. You're going to get it back, but you only get it back when you move out of this house.

See what I'm saying? So when you move out, you get your money back. when you refinance, you get the money to move on to the next step. So what I always check out is just basically ask you like, what are you coming for? if you're coming as an investor and then just look at it as a business part.

And also most people are thinking, okay, I invest, I'm going to be making extra. 1, 000 or so, depending on how much you're putting down, depending on what comes with the house, you might only be making 200 for a start. But then what about that 200 in five years, that 200 is going to turn into maybe making over a thousand dollars extra, but you have over 300, 000 or even 50, 000 in equity.

So there's so many ways to look at it. And that's what I try to ask people what do you want? What is your goal? Are you looking to sell and get more money to move or you just want to keep investing? So there's so many things that we look into before I can just be like, okay, let's go buy.

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[00:16:48] Ngozi: Yes it is.

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Those are like the two loans. I mean, that's USDA loan, but those ones you have to go a little bit like a rural area. you can possibly get a government loan that You don't have to put any money down. You might have to bring your closing costs and that's where I come through.

If it is a builder, we can ask the builder, say, Hey, cover the closing costs so we can get some money. Then you can basically go into closing with zero down. if it's not a beauty, we can talk to the homeowner. Like, okay, I'll basically negotiate like, Hey, we. We don't have money for closing costs, so we need 10, 000.

We need 15, 000 for closing costs because the lender already gave us an estimate of how much we might need, that is some program in FHA where they do give you a down payment assistant where you don't have to bring money in.

And then we can either go to the builder or the homeowner to negotiate your closing costs. So there's still a possibility of not coming in, but let's just assume that you're not qualified because some of those things you have to qualify for it. Let's say you're not qualified. You have to bring in.

So FHA, the minimum you can bring in FHA is 3. 5%. So whatever the price of the home is, is 3. 5%. So you'll bring that. And you know, either if we're getting a closing cost, then you only bring in your down payment. If you have to, bring in more than that, then you bring your down payment and closing costs.

conventional it just depends some conventional is also five percent and then there's a minimum of three percent it just depends on which one if you're coming in with no down payment there's other programs that we can use to help you You don't have to bring any money in but then if you're like no, well, I have this money saved up Then this is how but all these programs work only if you're going to live in the house Make sense.

Yeah. So if you're being an investor, those program doesn't apply to you. So, but that doesn't mean that you can still get your closing costs paid by the seller. Whether you're an investor or not, because those ones are easily negotiated with the seller or the builder. the programs for zero down or the minimum down is mostly you have to live there.

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[00:19:24] Ngozi: So, with the lender part, every time I'm working with a lender, I call them, I check in every few days, sometimes a couple of times a day, depending on how the deal is. I always have all this real estate news, everything that happened comes to my phone, comes to my email.

So One thing that seems like I'm going to research about it, I'm going to look it up. Find out what's going on. if I'm not getting enough information, shout out to my broker. She's awesome. I call her like, okay, I heard about this. Like, what's going on? She's like, don't worry about it.

Okay. This is what's going in. And we talk about it. I have, Places that I can research about it. They can send me information. once I see something I'm not sure about, I'm looking it up, I'm calling right now the rate just dropped a little bit.

my lender told me about it before I even call it, but I got the news, but before I could even like let him know, he already like, okay, yeah, we got a good rate. It dropped. Yeah. So those are the things like, if he don't call me. I'm calling him. So we're just kind of like, Oh, so shout out to my lender.

He's awesome. I have some awesome teams, everyone I work with, but yeah, so it's like, find a way to get it. They let me know, or I get the news and I'm looking it up or I'm calling. I always try to make sure that I'm on top of everything just so that my client is not missing any good deals or any news we don't want to make a mistake.

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[00:20:53] Ngozi: Cuz it's a lot. It's a lot. It's a lot. I don't even know which one to say, but right now I know everybody's doing like social media. Yeah. It's like the big, one of the biggest trend is like everyone is on social media. I know like people don't believe me, but I am not a big social media person. I don't want to say I'm shy, but you got a big, I'm trying.

I feel like if I don't have to, you probably, I will not be there, but I'm grateful for social media because he has really helped my business a lot. So, but yeah, social media is one of the biggest, like, it's like, if you're not there, are you really in real estate?

So that's one that I know I'm trying to keep up with and I don't know how to, but I'm trying.

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So you said you've been about five years into real estate. What is one lesson you've learned early on in your years to where now you have to be like, okay, I got to stay consistent. I learned that I'm not gonna make that same mistake.

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And I have seen people who will be like, that person cannot afford a dollar house. Her first multi million dollar contract was someone she saw it was just a story She told us that kind of registered in my head I always treat people the same way I don't care who you are she Basically got her couple, you know multi million dollar on someone that came in look literally Unkept and she treated him like you know Like everybody else and the person did call him back and say, look, you know, thank you for Basically, but basically she sold the house She sold the house to him because she was welcoming and very nice that always like registered in my head like true to everybody the same It doesn't matter how they look and funny thing is One of my biggest client, one of my biggest investor, I met her at an open house and we have closed 11 home.

Shut up. 11 home together. We actually currently under contract on our 12th home, 12th home right now. this is all in the last Three, four years. Wow. Yes. When I met her, she, she came in and I was nice to her. She looked, she was actually walking out in the neighborhood and that was our neighborhood that I was having an open house and she just walked in I was, very nice to her.

And we just talked and she's like, Oh, she just came in like, Oh, I just want to look at the house. She didn't want to buy the house. She's just like, Oh, I was just taking a walk with, with her husband. She was wearing like a leg, just a regular leggings with her husband and they just taking a walk in the neighborhood.

And they just chilling. Yeah. Basically. So I could be like, no, you don't. But I was like, Oh yeah. She's like, I don't want to buy. I just want to look at it because I'm in the neighborhood and she come in, she was asking question. I answered. I was very nice to her. And I gave her my card. I was like, well, if you guys have any questions, thanks for stopping by.

And they left, I think like a day or two later, she called me.

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[00:24:25] Ngozi: Yeah. And now we are about to be on our 12th home together.

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[00:24:30] Ngozi: Yeah, even though we didn't buy that house. But we've been buying houses. That's best. And she gave me my first million dollar closing.

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[00:24:44] Ngozi: Yes. even though she said that it's always black and white, I'm always going to be nice to you until you are not nice to me. Right. like treat people the way you want to be treated.

And, that's one thing about it. Keep going.

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Like you said, it could just be a simple walk through y'all change information, but what does the next steps look like? Or how are we going to come and collaborate on this particular deal? Like what does those meetings look like or conversations?

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I try to like follow back up. And then from there, we'll talk about, okay, what do you want? What is it? Or even maybe depend on how the conversation go. We might talk about it right away. This is what I want. This is what is going on. And that will help me follow back up with you to let you know, okay, based on what we talked about, this is how we're going to go.

Or even if we didn't talk much about it, just, you know, keep in touch a little bit. I don't like to be aggressive on people. that's why sometimes I tell you, my communication is not that great because I'm not, like, salesy. Right. I don't know how to sell. I mean, I think if I was, I'd probably go a little farther, but I don't know how to, cause I don't want to be bothered.

I don't know how to push people like, no, we're not doing that. it's more like, however the conversation goes, what kind of lead me on how I'm going to follow up with you if it goes well, I'll I put it in there and however you go, I'll just follow you from that.

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[00:27:02] Ngozi: So far right now, I'm doing all residential. that's what like I specialize is in all residential. This is going to ask you about your specialty. Yeah, more residential, new construction. even if it's not, it's more residential.

Anything new residential is where I am

So we talked a little bit before this. You actually get involved with the renovations and the building and all of that. Yes. Yeah. Okay. So what does that look like when it's a situation, you know, they say we bought ugly homes. And that's the only example I could think of.

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Right. Yeah. what does that look like?

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it's more like, we talk about what they're looking for. Are they trying to flip a house? Cause most of those will be like a flavor. they'll tell me like, okay, we want to flip a house. You have to find a house that is like, okay, let's say for example, when this house is done, the neighborhood could potentially cost like maybe 500, 000.

But with the condition that it is, if we have to buy maybe 200 and then to bring it to a good condition, it could cost another one 50. So those are the things that we look at, how much are you selling it? my investors always run comps for them.

Because they have to know, even if they just buying just to rent, I have to like run the comps for them. potentially you can rent it out for this amount or you can sell it for this amount.

Like they put the numbers together and say, okay, well, if I'm spending this amount or some of them bring their own contractors to come in the house to look at it. And the contractor gave them a number, like, okay, if I'm spending this amount to fix it, And I'm paying this amount. So this is, and then after expenses, this is how much we got to sell it.

So those are the things they have to put together. during the renovation, I come in and I look at everything. I do have my little opinions because sometimes they ask me

and I'll tell them, well, this is nice, or this is not a good idea.

Let them know that, okay, it's good or it's not a good idea. And just, I'm basically there to look at it and make sure that they are doing the right thing. and I'm letting them know what is trending in the market. So yeah, basically I'm bringing like, okay, well there's a house I saw. this is what is trending.

I can take a picture, get a video and send it to them. And they were like, mimic something similar or even better and make it happen. So that when the house is on the market, it sells faster.

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[00:29:36] Ngozi: I mean, cause it's like a, it's a relationship. Right. in real estate it's all about relationship. And if you, I don't want to say it's not always about the check for me because yeah, we do like the check too But relationship goes a long way right because not every home that you get the top dollar out of But sometimes it's who you are and the services you provide That's what the client or the investor will remember because of how good you are how knowledgeable and it was just not about, okay, we're done, bye, let's go.

So, I like to be a relationship cause my business is based on referral and the relationships that I viewed is basically how like, you know, I'm helping me grow.

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You choose. So we're going to start off with your highs. Anything that you can clap for and say, I did that. This was amazing. Excitement. Whatever the case may be. Let us know.

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Actually, I don't know which one it

is. Well, um, well, I will say I stepped out of the faith and I stepped out of everything that I know.

And I become a real estate agent. So that right there is one step that I am so grateful that I did. I was not going to be stuck in a family place that is dingy I will be unhappy. So, yeah, I did that. I chased my dream and I'm happy about that. And I married my best friend. So I did that too.

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[00:31:14] Ngozi: Okay. Cause he's the best. Absolutely. He's so supportive. he's my best friend. That's so good. Yeah.

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So any type of story you want to share with us?

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I don't even know where I'm going to sleep at that place, but that's why I work so hard because I never want to go back to where I was or depending on anyone to take care of me.

there was, a time where I didn't have a place to stay and I was able to overcome that. now I'm never going back to that place or trying to find out like what's for dinner or what's like, where will I sleep tonight? So I'm just really grateful in life that I'm not there anymore.

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So anything, it could be one sentence. one word, anything that people can take as far as advice from you that they can take action on and Go through next steps in life.

I call this one free advice.

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Go where your heart is. whether it's in a business, in a relationship. Just go with whatever your heart tells you. That's the right place.

Just go with it. That also goes in everything that I do both in my career my heart told me like this is where I want to I fought it for years. I fought it because Initially, this is not where my family want me to be and I was doing everything else I was going from one degree to another trying to find where I am so it's basically like I, when I, once I finally stood up and tell them, like, no, this is what I want.

I feel good. And that also goes in any relationship. And that goes to my husband, like me getting married. I know I had to fight. to make it happen. But once I put my foot down and say, well, whether you're like him or not, I'll marry him, they all come through, literally come through. And now everyone in my family loves him.

Oh, they hate me though. No, my family loves, loves him. So it's kind of like that. basically I fold up my heart and every time I stood my ground and say, this is what I want. And they know that after they fought, they couldn't get it out of me. They let it go and it has been successful.

I have always been successful. I have been happy in those places but like I said relationship and life journey, like career, best thing I ever did was just physically stood my ground and say, this is what I want. And it has been, and I'm grateful that I finally fight for myself, for my future. And so I'm really happy about that.

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If they're looking for any business deals, you that girl. Just let them know.

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give me a call. Um, help you buy. Help yourself. I'll be on invest. So

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[00:35:11] Ngozi: But yes, so yeah, give me a call let me know if you guys are interested in real estate Even if you're not ready to buy right away because I know some people who's like, okay I'm gonna be ready in a year They have some things they're working on. Maybe credit wise or just want to know how much to save down.

You don't have to be ready to contact me. can talk to me and we'll work on it in six months and one year, just whenever you're ready. I don't push you to buy. You'll be ready when you're ready But if you just want to get some general information, give me a call. send me a dm and we'll make it happen

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Okay. Okay. So this is a quote, success in real estate starts when you believe you are worthy of it. As Wayne Dyer said, go for it. Now the future is promised To no one. So take the first step today towards your real estate dreams. That is true. That is actually true. So, when I first read this, I legit thought about.

The things that I want to do in life, if I'm serious about investing, I need to start doing certain things now, for example, not going out to eat every night. Cause the Lord knows I love some good food. Not buying purses, not buying bags, not going to the club. Cause I do like some good music, live music.

And I just have to, okay. I just have to prioritize if I want a certain lifestyle, like it's okay to sacrifice things now. To be in a better space later. So now reading this, it's like, you want to move forward. You have to make sure that you do what you need to do now to move forward. So that's what I thought about.

So what about you?

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Just, go whenever your thoughts says you're ready Yes, you can prepare for other stuff But if you can get your foot in get your foot in once you get your foot in you constantly learn Even me every day I learn I'm always open to learning. I don't care who you are I will learn from you even if you're a new agent a season agent A veteran agent, I will learn from you.

real estate always be open minded to learn and go when you know Like I would say when you're ready, but once once you think about it, go for it. Don't wait for it Don't wait. That was cute.

[: 00:38:04

[00:38:07] Ngozi: No

[: 00:38:09

[00:38:22] Ngozi: I see you guys.

Thank you

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