Episode #13: From Mortgages to Hotels with Kyle Kelly
Bricks & RiskApril 12, 2024
13
00:29:4820.52 MB

Episode #13: From Mortgages to Hotels with Kyle Kelly

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Kyle Kelly leads the mortgage team at My City Lending in Philadelphia and has built his business on relationships and referrals. These are the keys to his success. He is an entrepreneur at heart and talks about real estate, investing, and his newest endeavor - The Gas Lamp Hotel, Philly's finest boutique hotel nestled in downtown Old City.

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[00:00:00] If there was a tip that you could give that you could pass along to the audience, what would that tip be?

[00:00:07] Know what you're good at. You know, stay in your lane and spend the most amount of time that you

[00:00:13] possibly can in what you're good at and either hiring or delegating for what you're not.

[00:00:22] That is ultimately the only way to scale and the only way to truly enjoy your job

[00:00:29] too because if you try to do everything, you can't and you're just going to be completely overwhelmed.

[00:00:36] Yeah, that's fantastic advice. Well, it's like we talked about, right? So it's like

[00:00:42] like the yin and the yang, right? So like you're good at this. So find someone else that is good

[00:00:46] at stuff that you're not good at. Welcome to the podcast dedicated to real estate,

[00:00:57] insurance and everything in between. Join us as we take you along our own brokerage building journeys

[00:01:04] with additional wisdom from our network of business experts. Welcome to Bricks and Risk.

[00:01:15] Hey, everyone. Welcome to another edition of Bricks and Risk. I'm Tim Gairty. And I'm Sean

[00:01:22] Mooney. And today, Sean, we have a very special guest. Who do we got? Very excited about this one.

[00:01:28] We have my buddy Kyle Kelly from My City Mortgage. Kyle is a guy I've known for a while. Actually,

[00:01:35] I knew Kyle when I was working for my last brokerage before I even started Copper Hill.

[00:01:41] And Kyle's a great guy, huge hustler. Good to see you today, Kyle.

[00:01:47] How's it going guys? Thanks for having me. Welcome on into the show.

[00:01:51] Yeah. So I'm going to dive right into it. So here we go. I like to do research when we talk

[00:01:58] to people. I like to know a little bit about them before we have a conversation. I mean,

[00:02:02] I know you're pretty well. We were tailgating the Eagles game a couple of weeks ago. I

[00:02:04] haven't had a great time. Thank you for that by the way. Maybe is that your investigation?

[00:02:09] Oh, your process? Yeah, exactly. Good to tailgate. Yeah. Fine, Kyle.

[00:02:13] It was a good time. It was Kelly Green game too. So it was awesome.

[00:02:15] I don't want to know what the question is, but let's have it.

[00:02:21] So tell me about KAS Apparel because, you know, Sean and I are entrepreneurs. I know

[00:02:27] you're very entrepreneurial and it looks like you were doing that kind of prior

[00:02:30] to the mortgage business. So why don't you share a little bit about that?

[00:02:34] Yeah. You really dug deep there to find Kyle. Yeah, we're just fine. That's

[00:02:38] called LinkedIn. Because at the time, I had some friends and family

[00:02:43] busted me because KAS stood for Kelly Apparel and Sign. So it was really

[00:02:49] Kelly Apparel and Sign is Apparel and Sign. Glory Dundon. Yeah, naming a business

[00:02:57] really wasn't my forte then. But so that really started in high school. So I,

[00:03:04] when I was younger, used to play music. So there was always merch stands and

[00:03:08] everything like that making t-shirts. And it was always really cool to have your

[00:03:12] own t-shirts or print or whatever. And also grew up around Lake Walton, Paul Pack. So

[00:03:19] a lot of the boats had name decals on the boats and everything like that. So I'm like,

[00:03:23] all right, well let's figure out a way to make a couple extra bucks. So started printing

[00:03:27] out some names, putting them on some boats and coming up with some designs. And then it just

[00:03:31] kind of was like, all right, well, I could also heat press t-shirts. So let's do that.

[00:03:37] As I got into college, you know, there's multiple different events, parties,

[00:03:43] roadies, fraternities, everything like that. Everyone's making a bunch of different t-shirts.

[00:03:46] So started getting more into the heat pressing with the, you know, just kind of adding on to the

[00:03:53] stuff that I had and then got more into screen printing as well. So taking on larger orders

[00:04:00] it just kind of like organically got bigger. And then I'm like, all right, well,

[00:04:04] I'm not going to have the time while in college to work at a bar or work at a store or anything

[00:04:11] like that. So let's just keep this going. So was able to kind of let that be my job throughout

[00:04:19] college. It was, you know, not like I was lighting the world on fire, but it definitely,

[00:04:24] you know, taught me a lot of different things about going out hustling,

[00:04:27] you know, getting going out asking for business, you know, customer service.

[00:04:33] So what happened? You saw that off the private equity? What happened?

[00:04:38] I think I saw it on the face list.

[00:04:42] Highest bidder.

[00:04:43] Yeah, that's all. Well, all right.

[00:04:46] Because now that I have like a toddler, you know, all these parties that come up,

[00:04:51] they used to just be fun too. Like, yeah, did it as a job, you know, get large orders,

[00:04:55] you know, 20 shirts here, 100 shirts here. I think the largest order was maybe like 300

[00:05:00] shirts or so. More out, get some help there. You know, and we were running a screen printing

[00:05:07] business out of a basement in college. But yeah, now that I have a toddler, I'm like, man,

[00:05:13] I kind of miss printing those custom t-shirts, you know, birthday comes up or whatever it is.

[00:05:18] You can kind of just make it cut it print it. So yeah, that's right.

[00:05:24] I think you sparked the interest back up.

[00:05:26] Right. All right, so so you're from the Scranton area.

[00:05:30] You went to Bloomsburg. So you were doing this in college. And then you got into the mortgage

[00:05:35] business. That's how you and I met. Tell me a little bit about that. Like, why did you decide

[00:05:40] to get into the mortgage business? Did you like have family or friends? Was it something

[00:05:43] you were just interested in? Good with numbers? Like what kind of got you there?

[00:05:48] Yeah, so I've always had a general interest in real estate. So whether it was just kind of

[00:05:56] driving around looking at houses, you know, just kind of browsing through at the time,

[00:06:00] it was just the newspaper, you know, there would be all the houses for sale. We didn't really,

[00:06:05] Zillow wasn't as big back then or any of the online sources. So just kind of understanding

[00:06:11] that and just having appreciation for it. Then went to school for finance and economics.

[00:06:17] So, you know, thought I was going to get into stock trading, commodities trading,

[00:06:23] and then realize that that world really wasn't for me. But, you know, interviewed at a few

[00:06:28] different spots, whether I was in the fit or maybe I wasn't the fit for them, but it did not

[00:06:34] work. Yeah, going to New York and ended up in Philadelphia. The reason I chose

[00:06:40] Mortgage 2, you know, I had family members, my cousin, my brother, they're all working

[00:06:44] in Mortgage. They were doing really well and I had interest in it. So shadowed them a few times

[00:06:50] and just kind of learned about what they're doing, the problem solving and also just, you know,

[00:06:55] you're part of, it's a big deal. You know, at the time not owning a home, I couldn't even

[00:07:00] fathom purchasing a home. So, you know, it seemed like something really cool to get into

[00:07:08] at the time. So, you know, I dove head first.

[00:07:11] How hard was it getting started going from like completely out of it, you know, graduating school

[00:07:16] and then really kind of ramping up and, you know, getting into the business and finding some successes?

[00:07:23] It was tough man. I mean, so, going from Scranton to

[00:07:28] Billy, didn't have any family down here, you know, so it was just more of, you know,

[00:07:32] moved in with some some, I think some people. Yeah.

[00:07:40] Yeah. The four guy house in Maniunk. Oh yeah. Been there, done that.

[00:07:47] Yeah. We all halfway house from college life to real life. I used to call it,

[00:07:53] do you know what? I used to call it college 2.0 because we all graduated and we're all like

[00:07:58] living this life in Maniunk and we're going out. I'm like, we're just we're college students with money.

[00:08:04] Because we're all working so yeah, it was a great time. Found the street, right?

[00:08:08] Yeah, found the street that's where. Always get to work on time too. I went back and

[00:08:16] not do that again but no. So, it was, you know, going out to the office at the time

[00:08:24] as a bus chester. Oh wow. So, it was kind of, I had to figure out a commute because you know,

[00:08:29] I didn't really understand 76 and all that that was because you know,

[00:08:37] when I accepted the job, I'm like, I'm looking at it and I'm like, I don't look 32 minutes.

[00:08:40] You know, that's not bad but I was also looking at two o'clock at night.

[00:08:44] That's at 3.30 in the morning, Kyle. Yeah. Yeah. So, they were actually really cool

[00:08:50] at the time about, you know, I created my own schedule of going in either a little bit later

[00:08:55] and staying later or figuring out different ways to get around the traffic. But I learned

[00:08:59] more just from the, you know, suit to nuts, right? So, I did processing, opening loans,

[00:09:07] some very, very light underwriting. At the time, I was working for

[00:09:10] Moorwich Network with Jim Smetley and Bob Johnson were their names. They gave me a shot.

[00:09:16] Yeah. They'll be the first ones and anyone that was in that office to let you know I am

[00:09:21] the worst processor in all of Moorwich's. They remind you daily. Well, this is,

[00:09:28] you know, as, as you're getting good at this, yeah, as you're getting good at this, you know,

[00:09:32] you have to find your lane. So, it sounds like you started finding your lane. So,

[00:09:37] you knew you weren't good at processing. Like, were you just like, hey,

[00:09:40] like how did you hit it? Were you doing cold leads? Were you going by relationship?

[00:09:44] Like, how did you start? Well, I mean, it was, you know, they knew it. I mean,

[00:09:50] it was really just an entry level. You have to learn Moorwich's, right? No one should ever

[00:09:55] just go into whatever they're doing and just jump right into it. So, if you're working in the

[00:09:59] sales side or the origination side of starting it and communicating with, you know, the consumers

[00:10:06] to help them structure a loan, you need to know what a loan actually is. So, that was

[00:10:10] the purpose of that. But I mean, when I said I was, I just had no passion to be processing.

[00:10:18] I'm not an office guy. I'm not a nine to five guy. So, I was out, you know, setting up appointments

[00:10:24] every day after work, just going out, getting, you know, a drink, sitting down, chatting with people,

[00:10:29] networking, anything that I can to build a book of business. And I'm, you know,

[00:10:35] telling them, you know, I'm working on my license. I'll be, you know, starting soon,

[00:10:38] even though I don't think my company really wanted me to be a loan officer yet. They wanted

[00:10:43] me in the office, but yeah, it ended up, you know, all working out. That's great. All right.

[00:10:50] So, fast forward to today. So, you've been in the Moorwich business what? About 10 years? 10

[00:10:55] plus years or so? About 10 plus years. Yeah. So, you've been doing it 10 plus years.

[00:11:01] Now, you're a branch manager at My City Moorwich. Talk about how that came to be because

[00:11:05] I know you guys are doing well. You're a big player in the city. We know a lot of the same people.

[00:11:10] You work with a lot of the top agents out there. So, kind of how did that come to be and where is

[00:11:14] it today? Yeah. So, we've been, you know, when we switched from Moorwich Network to RMS Mortgage,

[00:11:24] then we left there and I've been with the same team ever since. Yeah. So,

[00:11:29] my cousin Jason was the regional manager for My City and our whole team, when we got up and

[00:11:38] shifted, we kind of just did it as a full team. There's people that have been with the

[00:11:43] part of the same team for over 10 years. Wow. So, super exciting group that has just kind of

[00:11:49] grown over time. And what's that team? So, the roles within the team. So, you're the kind of

[00:11:57] manager and then who's kind of your team underneath? Yeah. So, in the Philly area, we have,

[00:12:04] you know, there's a few of us. Yeah. When I met, actually one of my best friends in college was

[00:12:10] Ryan Harsh. And we met back up in Philadelphia and at the time he was working at another

[00:12:17] Moorwich company. And then we kind of combined there and been working together ever since.

[00:12:22] You know, we have some other loan officers that work with us as well and support staff. But,

[00:12:28] you know, we've just really grown it down here in Philly ever since and just,

[00:12:34] you know, the thing that we decided that we wanted to do was have a more broad

[00:12:40] sense of lending where we do have some niches and we get hyper-focused on it.

[00:12:45] We do offer multiple different types of lending. So, investors first time home buyers,

[00:12:51] all that. We have a very similar mindset of what we want to do. Awesome.

[00:12:57] Hey everyone, this is Tim, your favorite bricks and risk co-hosts. But don't tell Sean. I hope you're

[00:13:04] enjoying this episode and I'll get right back to it in a moment. Our audience grows through

[00:13:08] word of mouth. So, if you would please take a moment of your time and give us a review on

[00:13:13] the platform you're on, that would be fantastic. Please also help spread the BNR word by sharing

[00:13:20] your favorite episode with a friend. We greatly appreciate your time and trust. Now, back to the show.

[00:13:32] All right. So, we know you're super entrepreneurial. We know you're a mortgage expert and now you're

[00:13:36] a manager. So again, you've gone through a lot of different steps in your business career so far.

[00:13:42] So, and I know mortgage is your bread and butter. I know that's what pays the bills.

[00:13:46] It's what you're passionate about. But like me, we all have side passions. We all do different

[00:13:51] things. I do a bit of development. So, we flip homes. We invest in bigger real estate. We have

[00:13:57] a title business. Mooney, you have your standard insurance company. We also do a little bit more

[00:14:04] too. Have a podcast? You do have a podcast with probably, what, close to 5.5 million

[00:14:10] listors now? Yeah. So, tell me about your hotel project because I remember talking about

[00:14:18] that not that long ago. We were chatting about it. You're like, hey, I'm going through the city.

[00:14:21] This is a big deal. It's a big project. And then I recently, when I connected with you recently

[00:14:26] at the Birds Game, you were talking about again, you're like, yeah, we're getting closer. So,

[00:14:30] share a little bit on that. Yeah, absolutely. I mean, when you were saying too about the

[00:14:35] managerial and it's really just staying in your lane, right? Doing what you're best at.

[00:14:40] Yeah, I was fortunate enough and talking about the Birds Game, I actually found that

[00:14:46] project at a Birds Tailgate. So, no way. Sean Winter and Steve Stafford, I had it.

[00:14:54] Yeah, yeah. No them. Out of them. And at the time, we were really just looking for

[00:15:00] our office space. We're like, you know what? Let's just own the office space.

[00:15:03] I do. I remember that, yeah.

[00:15:05] Own a few Airbnbs. We understand it. We know it. Let's just do that. And needed to be CMX3 with

[00:15:10] the new zoning going on in Philadelphia. So, found the right building, great location. We're like,

[00:15:14] let's just do it. Then we started building it out. We didn't like it for an office. So,

[00:15:19] we're like, let's go all in on hotel. We're fortunate enough that we had an awesome team.

[00:15:25] So, we have some really, really good strategic partners to that.

[00:15:29] What was the meeting there? You were, so we're going office, office, office, office. And then

[00:15:36] Audible Hotel? Yeah. Yo, how about a Marriott, fellas?

[00:15:41] Yes, it was like, all right. So, the building is really cool. It's in

[00:15:46] across the street from Elford Valley. Oh, phenomenal.

[00:15:48] Yeah, I had a owner, the Gold family. So, it was the Austrian Gas Lab Company.

[00:15:53] That was the name of it. It was the same company for 150 years. Handed down. So,

[00:15:59] we were really outside of just someone that bought it from them. We really are only the second

[00:16:04] owners. The person that held it in between just decided that it wasn't a project that he wanted

[00:16:09] to move forward with. And we saw it as an awesome opportunity. Now, when I said it was going to

[00:16:15] be our office, then we're like, all right, you know what? Let's just use this as a lobby.

[00:16:21] And now, it's ever since evolved with the banking world is different. They want to see

[00:16:26] more commercial tenants and everything like that. So, our network has grown and we've

[00:16:32] been fortunate enough that we have an awesome commercial tenant down there now.

[00:16:36] That's going to be starting up in probably about April. And decided that, let's go full on

[00:16:44] hotel. The rooms are going to be super, it's going to be a really elevated experience. It's

[00:16:50] really, it's going to be nice. It's going to be really nice.

[00:16:54] That's awesome. How many rooms altogether?

[00:16:58] There is five rooms, like five suites. There is the commercial tenant in the front that's going

[00:17:07] to be doing a juice bar as well as a cafe. And then we also have a speak easy bar

[00:17:14] in the basement that's going to be for the guests to use and then also for a vent rental.

[00:17:19] And then we have an outdoor courtyard that we are going to be working with a very well-known caterer

[00:17:26] to put together some smaller events, like 40, 50 person events. So it's going to be,

[00:17:33] we're really excited about that. Yeah, dude, that's phenomenal. Awesome.

[00:17:37] All right. So we talked about where you're from, talked about printing t-shirts up in

[00:17:42] Scranton to now you're a branch manager in Philadelphia. You have a family,

[00:17:48] you're developing hotels. So through all that, I mean it's super entrepreneurial.

[00:17:55] What do you like best about business? Because I know you are a phenomenal

[00:17:59] networker and you've obviously executed throughout your career so far and will

[00:18:04] continue to execute. So what do you like about business?

[00:18:08] Honestly, man, it's like no two days are the same. That's why I love the industry that

[00:18:15] we work in with real estate. And I just love being able to take an actual idea and bring it

[00:18:26] to fruition. We had this idea, let's say with the hotel, and we had it like in our head of

[00:18:32] what this thing should look like. And we've changed a bit but now that we're getting

[00:18:37] towards the end and we're seeing the buzz and more and more people reaching out about it that

[00:18:43] want to stay there and a lot of the promotion that's going out, it's really exciting to see it

[00:18:48] actually work. The same thing with mortgages as well. We work hard. We're out there, we're

[00:18:59] networking, we're making sure that we do the right thing every single time because that's the

[00:19:04] way that I've always done business. Because as long as you are doing the right thing,

[00:19:10] then it's going to come back. That's all you have to do is do the best job you possibly can for that

[00:19:17] person, whether it is doing a loan for someone that's buying their first time home, whether you're

[00:19:23] working with an investor that's buying their hundredth house or you are thinking about

[00:19:30] a someone that's going to stay at one of your Airbnb's or hotel room or something like that,

[00:19:35] creating the experience and just leaving them with nothing that there's nothing more

[00:19:42] than they could say but just rating reviews. I want them to finish and just be like,

[00:19:46] Man, Kyle did an amazing job. You have to talk to him about whatever it is that they're looking to do.

[00:19:53] That's kind of the topics too that we talked about starting businesses and Tim and I on one

[00:20:00] of the shows we're talking about what's the best way to grow your business. I remember talking here

[00:20:08] and just saying that you can mass blanket and you can market to thousands of people but

[00:20:16] I mean, Tim and I really rely on the handshake and building those relationships and

[00:20:23] over delivering for our clients which to your point has always brought back referrals and had

[00:20:32] good people steer us, good clients that we are able to build upon. Yeah and one thing we talked

[00:20:41] about in that episode too is we were talking about kind of like the foundation. What's the

[00:20:45] foundation of building a referral based business? Which again it comes down to delivering

[00:20:51] that customer service first because if you deliver the customer service then what's going

[00:20:55] to happen? You can ask confidently for that online review. Hey, can you go ahead to Google or wherever

[00:21:02] it is Facebook or Zillow or whatever website it is. Can you go ahead and give us a review

[00:21:07] and it's going to be five stars because you're very confident in that. Not only that,

[00:21:11] once you get that review that helps with your overall reach of just your brand itself,

[00:21:16] whether it's yourself or a company but then that leads to referrals. It's a relationship game

[00:21:22] and I'm so glad that we're having this conversation right now too because

[00:21:26] I've watched you grow Kyle and it's been very impressive and you and I have known the same

[00:21:32] people in our industry since you and I have known each other because all those people are

[00:21:37] like-minded. They look at it the same way. It's about being professional, it's about learning,

[00:21:43] it's about taking care of people, whether they're your customer or a business vendor

[00:21:47] or hey, if someone comes to you and says, hey do you know anyone who does insurance and you're

[00:21:52] dropping Mooney's name and that's what it's all about and I love that. It actually leads to

[00:21:59] some of our last questions here. One is if you could give a tip to your success in business,

[00:22:07] if there was a tip that you could give that you could pass along to the audience,

[00:22:11] what would that tip be? Know what you're good at. Stay in your lane and spend the most amount of time

[00:22:21] that you possibly can in what you're good at and either hiring or delegating for what you're not.

[00:22:29] That is ultimately the only way to scale and the only way to truly enjoy your job too because

[00:22:38] if you try to do everything, you can't and you're just going to be completely overwhelmed.

[00:22:44] Yeah, that's fantastic advice. Well it's like we talked about right? So it's like the ying and

[00:22:50] the yang right? So you're good at this so find someone else that is good at stuff that you're

[00:22:55] not good at. And it's like that's how you become successful. You're not good at processing

[00:23:02] but you're good at shaking trees and stirring up business. Go do that. Double down on what you're

[00:23:09] good at. Yeah, it's interesting. That brings up another thing. I was listening to another podcast

[00:23:14] say it's a real estate focused podcast and they talk about teams. So you're familiar with teams

[00:23:18] in real estate obviously like someone gets into real estate they get good at it where they do.

[00:23:22] They build a team and one of the things the guy that was on was saying was don't build a team

[00:23:29] to build a team. Like don't build a team because you think you're going to get rich or you're going

[00:23:34] to be super successful or you're going to be a leader or you're going to be influential.

[00:23:39] Build a team because there aren't enough hours in the day for you to service those clients

[00:23:44] which means you're good at sales like you're good at business building and then build those

[00:23:49] pieces around you. Get a buyer agent, get a transaction coordinator, get a marketing

[00:23:55] assistant. Get those people in place because while you're good at those things the reason you are

[00:24:03] where you are is because you know how to build a business and once you build that business

[00:24:09] it really can't scale on your own. You have to scale it with other people and that really brought

[00:24:14] me back to this. So last question I'll ask is quotes. So we love quotes. We love quotes.

[00:24:22] We talk about quotes all the time. Do you have a quote or quotes that you kind of live by your mantra?

[00:24:28] Well I've got a few but the main one that I love that my dad has told me since I was a young,

[00:24:36] young kid was work hard, play hard. Nice. I get this feeling as though and like a lot of times

[00:24:41] I can come off as like I'm just going to go out and party. Now it's not that sense

[00:24:46] but I know so many people that are so consumed in their work that they won't go out with their

[00:24:53] family or their friends or anything like that. But then it's the same thing of some people that

[00:24:59] are playing too hard that then just lose focus on their work but ultimately that's what it is yet.

[00:25:06] You have to keep that life balance. It's not even a work life balance. You guys get it

[00:25:13] as business owners, entrepreneurial. There is no work life. Your work is part of your life.

[00:25:18] It's a part of your persona so it's really just a life balance at that point and it's

[00:25:25] just finding that good balance to sometimes just go have a drink with your friends at the bar.

[00:25:32] Rewarding yourself too right? Like you bust it all week or whatever is like you kind of

[00:25:37] deserve to be able to go out, let your hair down. Oh yeah, well you got a ponytail under there man.

[00:25:44] Something I don't know. No, it's good. Kyle's got the flow. Got the lettuce. Yeah, no, I totally

[00:25:50] agree and look at the end of the day it's not about getting to the top of the mountain.

[00:25:56] It's about the journey and it's about climbing the mountain and you're going to fall down

[00:26:01] a couple times and it's hard but again you could have all the money in the world and if you don't

[00:26:07] have anyone to enjoy it with or you don't have things that you love about life to go use that

[00:26:11] money toward then what good is it? So to your point working hard to play hard is fantastic advice.

[00:26:18] Absolutely man, take that vacation. Even if it's just for the weekend, go unwind. It feels so great

[00:26:25] sometimes to just turn your phone off. I've had one situation we were on vacation, it was me and my

[00:26:34] wife Mary and then we were with our friends Chris and Kara and I got the cab home and we were in

[00:26:39] Columbia and I was letting them use my phone as like GPS and I stepped in the door and

[00:26:45] forgot my phone. I went to open it. He drove away for the next four probably four of the

[00:26:50] best days of my life because I didn't have a phone. Right around New Year's Eve it was kind

[00:26:56] of frustrating but you check in, you realize that life does go on. You're able to go in and

[00:27:02] you can knock everything out in literally one hour but you need that. You need to be able

[00:27:07] to unplug sometimes. Some of those are the best. No cell service right? Yeah so it's all about

[00:27:13] taking trips to Columbia and losing your phone. Sorry honey. Sorry.

[00:27:23] All right man, well hey thank you so much for taking time out of your busy day

[00:27:27] and I know you have a family, you have a busy career but why don't you let people know,

[00:27:32] let the audience know what's the best way to find you? What's the best way to reach out

[00:27:35] to you if they want to learn more? Yeah best way to reach out honestly is you're going to

[00:27:40] look me up on Instagram. It's just Kyle Kelly Morgage DM me through there. Take a look. I try to

[00:27:45] post as much content as I can about mortgages. Yeah certainly something I'm going to be doing a

[00:27:50] lot more in 2024 but yeah look up our company. So it's my city mortgage. We do mainly residential

[00:27:58] so first time home buyers, second homes. We've really gotten a niche into Airbnb as well

[00:28:03] just from living in that space so much. So if you have any questions about that

[00:28:09] or want to learn about how to start building a real estate portfolio with some different

[00:28:17] types of loan products, reach out. Awesome. What about the hotel? When is this, we're going to go

[00:28:22] live with a hotel? Awesome hotel and yeah what's the name? You didn't share the name. What's the

[00:28:27] name of it? Get the handle. Gaslamp Hotel. So we felt though it was very important. I'm

[00:28:33] all about good juju so it was the Austrian Gaslamp company for 150 years. So we're going to go with

[00:28:39] the Gaslamp Hotel and hopefully keep that going. I just got a text message right before this that

[00:28:46] the original owners were walking by one day and while some of our partners were there hanging

[00:28:51] out and they're getting us a bunch of like the original receipts and different stuff.

[00:28:56] Oh that's awesome. Very cool. We're really excited about that. It's just going to

[00:29:02] elevate that experience even more. That's fantastic so we're going to go ahead and end with that folks

[00:29:08] so thank you for tuning in to another edition of Bricks and Risk. See you soon.

[00:29:15] Thank you for joining us on another episode of Bricks and Risk. Our goal is that you walk away

[00:29:21] with one or two valuable nuggets and we greatly appreciate you sharing your time with us today.

[00:29:27] You can find all B&R episodes on Spotify, Apple Music, YouTube and anywhere else you get your

[00:29:34] podcast content. Until next time keep learning and keep growing.

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