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everybody thank you so much for having my name is pace morby and Im going to show you guys a little bit about my business introduce myself and hopefully provide some value to you guys today I grow up in a family of 12 kids in fact Im third out of 12 children so theres nine siblings below me two siblings above me now say Mom same dad growing up in the same house 14 people had to live in the same house at the same time so you can imagine that we had to have bigger houses than most people could normally afford including my father my father could not qualify for big enough houses to support his family based on his W-2 income alone and so my dad always had second jobs as we all know in this real estate investing world that if you have a second job thats under the table or a side business thats under the table and it just is producing a lot of cash youre not going to be able to qualify for loans and so my dad growing up my dad was always buying houses subject to seller finance lease op