Jay T. Crosby has been a part of the “Emmanuel Family” since August 2010. As the Director of Sales he is in charge of company production and training. He is proficient in all aspects of Personal, Commercial, Life, Disability, and Long-Term Care Insurance. His main area of expertise is in Real Estate and Construction.

Education: Lehigh University, Bachelor of Science in Business and Economics
Jay T. completed the Construction Risk and Insurance Specialist (CRIS®) certification in November 2020 and continues to hold this designation.

Personal: Jay T. continues to be very active as an advisor for his fraternity, Chi Phi. He is an avid bowler, and loves riding motorcycles, playing poker, and chess. Jay T. also enjoys competition and being a Philadelphia sports fan.

Contact Jay

===========

O: 610 - 279 - 4349, ext. 106

D: 484 - 801 - 5244

M: 610 - 217 - 9773

F: 610 - 279 - 4350

crosby@Emmanuelins.com

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

The discussion covers various aspects of real estate investment strategies in the current market. Joseph notes that flipping has decreased, with most investors opting for buy-and-hold strategies, even if properties require renovations. The conversation touches on the importance of understanding depreciation, tax implications, and long-term investment plans.

Felix Buchanan joins the discussion, emphasizing the importance of knowing the market, evaluating deals thoroughly, and considering various investment strategies such as rent-to-own, multi-unit properties, and working with voucher holders. Both speakers highlight the current market's preference for rental properties over home purchases and discuss the potential of short-term rentals in certain areas.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

Joseph discussed the future of private lending, emphasizing its potential for growth and its appeal to non-traditional borrowers. He predicted that private lending would become 75% of the business for investment properties over the next five years. Dave, a team member, agreed with Joseph's assessment, noting that non-QM loans would become a significant part of the market. Both highlighted the need for responsible adoption of these strategies.

Joseph discussed the importance of surrounding oneself with a team of experts to facilitate insight and adaptability in the ever-changing market cycle. He emphasized the need for personal experience and quick thinking in the private lending industry, which is rapidly evolving with the integration of AI and prop tech. Joseph also highlighted the potential for private lending to become a more lucrative option for those struggling to access conventional financing.

Alex, a real estate investor and construction manager, agreed with Joseph's points and added that private lending could be more efficient and cost-effective than government-operated projects. Joseph then provided a detailed breakdown of what a true direct private lender does in the asset-based lending space, including the types of properties they work with and the typical loan amounts. He also expressed a wish for programs specifically for rural properties and modular new construction.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

Joseph discusses strategies for building a consistent and effective online presence for real estate professionals. He emphasizes the importance of providing valuable content rather than bragging, suggesting a mix of motivational, educational, and informative posts.

Joseph recommends posting 3-4 times daily across platforms, using polls to increase engagement, and leveraging video content to build trust. He also advises on rebuilding one's online presence by clarifying brand identity, updating profiles, creating a strong website, and setting up consistent social media strategies. The discussion highlights the need for authenticity, showing personality, and providing value to followers rather than just promoting listings or deals.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

He emphasized the importance of building trust as a real estate leader, suggesting underrated ways such as sharing bad news first, remembering small details, overcommunicating during uncertainty, admitting when unsure, giving credit, and being reliable. He also stressed the importance of investing in others' successes.

Joseph discusses the importance of reciprocity and intuition in professional relationships. He advises against giving away too much without receiving equal value in return, citing an example where he declined a speaking request from someone unwilling to offer the same opportunity. Joseph emphasizes the need to be intuitive about potential partnerships and sponsorships, evaluating their cost-benefit ratio. He shares his approach to networking at events, preferring to work the room rather than being confined to a vendor table.

Amy then shares her thoughts on building trust as a real estate leader, emphasizing the importance of establishing credibility through actions, both big and small. She highlights how doing the right thing, even in minor situations, can help build trust and character over time.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

Joseph discussed the importance of overcoming fear and adopting strategic approaches to achieve growth in the real estate industry. He emphasized the need for education, diversification, and leveraging technology to manage risks and achieve success. Amy, the chairwoman of the US Prop Tech Council, added that AI can significantly reduce the learning curve for new real estate investors.

Joseph discussed the importance of understanding risks in real estate investing, including market risk, liquidity risk, interest rate risk, property-specific risk, construction and renovation risk, cash flow risk, and over-leveraging risk. He emphasized the need for thorough due diligence, including property inspections and research, and the importance of having an emergency fund.

He also highlighted the need to understand the difference between DSCR and cash flow, and the potential for depreciation. Joseph encouraged attendees to educate themselves on the strategy they want to pursue and to avoid overconfidence. He also stressed the importance of finding genuine mentors who are not interested in their money.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

Joseph leads a discussion on building a real estate brand, emphasizing the importance of creating a distinct identity and providing value to clients. He stresses the need for consistency in messaging, building genuine relationships, and being a trusted resource beyond just real estate transactions. The conversation highlights the importance of networking effectively, utilizing social media, and staying accessible to clients.

Joseph also warns against being taken advantage of and encourages setting boundaries in professional relationships. Participants share their experiences and strategies for developing their brands, including having a clear elevator pitch and identifying the right audience for their services.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com

Joseph discussed the importance of transformational moments in real estate investing, which can lead to growth, new opportunities, and strategic shifts. He shared his personal experiences, including his first deal, the power of leverage, understanding market cycles, and the shift from active to passive investing. Joseph also emphasized the significance of building a network of reliable professionals and mastering property management.

He highlighted the need for a real estate investment system, diversifying investment strategies, and recognizing the importance of financial education. Joseph also touched on the shift from scarcity to abundance mindset, encouraging collaboration and taking calculated risks. The discussion ended with Bob Chessick, who shared his perspective as an outsider, not being a real estate investor himself.

Contact Our Sponsors
=================
Perkitech - https://perkitech.com/
Realty411 - https://realty411.com/
MB Capital Solutions - https://mbcapitalsolutions.com/
Joseph @ Lendmarq - https://www.linkedin.com/in/josephvscorese/

Contact Us
=========
Main Website - https://creativebrrrrstrategies.com/
Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/
Email - info@creativebrrrrstrategies.com