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 <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">Why you should never personally guarantee debt—and how that single decision protects your credit, assets, and sanity.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">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.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">Land trusts 101: simple deed + trust agreement, privacy benefits, and where to find the forms and training.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">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.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">The MAO (“mayo”) rule for junkers:</li> <ul style="margin-top: 0in;" type="circle"> <li class="MsoNormal" style= "mso-list: l0 level2 lfo1; tab-stops: list 1.0in;">MAO = ARV × 0.70 − repairs (use 0.80 if ARV > $300k) — and never pay MAO.</li> </ul> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">Ron’s rehab rule of thumb: only touch rehabs when ARV ≥ purchase + repairs + ~$100k (≈ $50k profit + $50k carrying/transaction costs).</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">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.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">FSBO focus vs. MLS grind: why most MLS deals won’t pencil and how Ron filters them fast.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">A simple private-money safety check: don’t borrow more than 65% of ARV on junkers.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">Market-timed tactics: in a sliding market, get conservative on ARV, avoid most rehabs, and prioritize wholesales and terms.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">Terms-deal cash-flow safety:</li> <ul style="margin-top: 0in;" type="circle"> <li class="MsoNormal" style= "mso-list: l0 level2 lfo1; tab-stops: list 1.0in;">Make sure non-refundable option deposit > your total cash out of pocket (down + closing).</li> <li class="MsoNormal" style= "mso-list: l0 level2 lfo1; tab-stops: list 1.0in;">Target ≥5% of price for the deposit; delay first payment until the 3rd month after closing or vacancy, whichever is later.</li> <li class="MsoNormal" style= "mso-list: l0 level2 lfo1; tab-stops: list 1.0in;">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).</li> </ul> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">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.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;">Perspective from 44 years in the business: deals exist in every market—boom or crash—if you follow the rules above.</li> </ul> Resources: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;"><a href= "https://www.ronsquickstart.com/">RonsQuickStart.com</a> — Details and dates for Ron’s 4-Day Quick Start event.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;"><a href= "https://www.ronlegrand.com/">RonLeGrand.com</a> — Additional trainings, tools, and information.</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo1; tab-stops: list .5in;"><a href= "https://www.ronsgoldclub.com/">RonsGoldClub.com</a> — Land Trust training and form libraries (search “land trust”) and the “4 LLCs” lesson (mentioned in the episode).</li> <li>Sign up for a Free Mentor Panning Session: <a href= "https://www.ronlegrand.com/planning-session-application/?cid=TMP250815"> https://www.RonLeGrand.com/Plan</a></li> <li>Free Training: <a href= "https://www.TheMentorPodcast.com/Terms182">www.TheMentorPodcast.com/Terms182</a></li> <li>Get Ron’s $599 Wholesaling course for FREE when you join his Gold Club for ONLY $99 a month! – <a href= "https://thementorpodcast.com/GC182">www.TheMentorPodcast.com/GC182</a></li> </ul>

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How to Buy Houses with No Risk: Land Trusts, Non-Recourse Terms & Big-Check Wholesales with Adel Kayati

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