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I am building a system designed to grow my real estate business beyond anything I could have imagined, with the help of fellow KBF members.

God has promised that when we call upon His name, He will reveal hidden, unknown, and unimaginable things. He is Jehovah Jireh, our everlasting Provider.

Therefore, I am setting my sights on what I can imagine while waiting to see how much greater God will move in my life. After all, if our earthly parents are willing to give us what we need, how much more will our Heavenly Father provide for us?

Set yourself up for a supernatural blessing by establishing your daily, weekly, monthly, yearly, and multi-year goals. Give God something to overdeliver on.

If we never set our sights on what we believe is possible, we limit the opportunity to witness God do the incredible in our lives.

So I ask you:

What are Down Payment Assistance (DPA) programs?

Down Payment Assistance (DPA) programs are designed to help homebuyers who have the income to qualify for a mortgage but lack the upfront funds needed for a down payment and closing costs.

You will often hear these programs marketed as “100% financing” or “zero down payment.” While that may sound appealing, it’s important to understand that the funds are typically coming from a government agency, nonprofit organization, or lender-sponsored program—not that the cost disappears.

In most cases, DPAs provide assistance in the form of a grant, a forgivable second loan, or a repayable second mortgage to cover:

• Down payment (typically 3.5% for FHA or 5% for Conventional loans)

• Closing costs

DO YOU REMEMBER?

In the late 90s and early 2000s, the mortgage industry introduced products like:

• Option ARM

• Pick-A-Payment

• Interest-Only Loans

• Deferred Interest Programs

Thinking about investing in real estate, but don’t know where to start?

Let me introduce you to something powerful: Debt Service Coverage Ratio (DSCR) Loans

This is one of the easiest ways for beginners to get into real estate investing without the traditional headaches.

Here’s why:

• You don’t need tax returns

• You don’t need W-2s

Since I meditate on the Word of God, I find favor in the eyes of God and man. My steps are ordered by the Lord, for His Word is a lamp to my feet and a light to my path. Therefore, I walk in divine appointments that supply all my needs according to His riches in glory.

I don’t merely “run into” prospective clients. It’s not simply because I network, make calls, market online, receive referrals, or host workshops. It’s not even because I’m a member of Kingdom Business Fellowship or River Clermont.

I do these things because I have been blessed with God’s favor—and I seek to be a blessing to others.

• When you look at the people around you, are you searching for a customer, or are you seeking to be a blessing?

• Are you waiting for God to answer your prayers, or are you willing to become…

I can start by sharing a saying my mom repeated to me constantly when I was a child:

“Tell me who you hang out with, and I’ll tell you who you are.”

Those words followed me every time I stepped out onto the streets of New York City during my elementary school years in the 1960s. My mother knew exactly what was waiting outside our door. Raising two boys in a one-bedroom apartment and keeping us indoors all summer wasn’t easy, so she made sure that one truth was firmly planted in our minds: the company you keep will shape your future.

At the time, I didn’t realize how deep that wisdom really was. But looking back now, I understand something I couldn’t see then—my mother had summarized Scripture in a single sentence.

When I read Proverbs 11:14 and 15:22 today, I see the same principle echoed clearly: wisdom is…