“Guess what is 80% of real estate investing…your credit” says Steve to start his first topic of the day. Of particular interest here is a credit/income history problem some self-employed individuals run into when they decide to invest in real estate. Then, after getting a young college student a stellar summer reading list for real estate investing, Steve tackles why we use the hard money loan; why hard money loans are not necessary for multifamily; and with the help of his mentor Del Walmsley, protects a listener who’s about to get stuck in a hard money loan.