In this powerful episode of Off Market Mindset, host Michael Riordan sits down with Steve Pugh, a 28-year real estate veteran and one of Florida’s top brokers. Steve opens up about his journey—from battling addiction and facing jail time to becoming a high-performing broker associate under eXp Realty, closing 40–50 deals a year, and leading one of Central Florida’s top teams.

Steve shares the real reason he walked away from owning his own brokerage to align with eXp, and how he leveraged its systems, training, and network to simplify his life and scale his business. But this episode goes far deeper than real estate. Steve gets raw about the struggles of addiction, the turning point that saved his life, and how personal development, faith, and accountability shaped the man—and leader—he is today.

If you're a realtor, investor, or anyone navigating life’s hard choices, this episode is packed with lessons on growth, humility, and how collaboration can transform your business and your future. You'll also learn:

The truth about brokers switching to eXp Realty

Why most realtors miss out on working with investors

What tools and systems Steve uses to train and support his agents

How creative financing helps distressed sellers AND realtors

Why mindset and environment are everything

👉 Whether you're a real estate professional or someone striving for personal transformation, this conversation will resonate.

Enjoying the show? Smash that subscribe button!

✉️ Follow Steve

Facebook: https://www.facebook.com/steven.pugh.142

Instagram: https://www.instagram.com/homepridegroup

✉️ Follow Me
YouTube: / @peerlesspropertysolutions

Instagram: / peerlesspropertysolutions

Facebook: https://www.facebook.com/profile.php?...

TikTok: / michael.riordan8

LinkedIn: / michael-riordan-9270a675

X (Twitter): https://x.com/Peerlessps

Threads: https://www.threads.com/@peerlessprop...

In this episode of The Off Market Mindset, host Michael Riordan sits down with 21-year-old entrepreneur and real estate investor Godsheritage Adeoye—better known as Heritage—to break down what it really takes to build a brand, create leverage, and buy your first property while still in college.

This one hits different. Heritage isn’t just another content creator—he’s a brand architect. He’s building real estate entrepreneurs into online authorities by marrying storytelling with strategy, backed by a team producing over 200+ pieces of content a month. And oh yeah… he also owns multiple investment properties, all while navigating college and immigrating to the U.S. just three years ago.

Heritage opens up about:

How he bought his first property using Subto creative finance at 20 years old

Turning a $730 mortgage into a $1,300/month net cash flow

The mindset shift from “solopreneur” to scalable leader

Building a content machine that requires only 6 hours/month of your time

Why “you don’t have to be great to do great things” is more than just a quote—it’s a playbook

How being African, an immigrant, and young is not a limitation—it's his leverage

If you're a real estate investor, brand builder, or just someone looking to take imperfect action, this episode is your spark.

🚀 Listen in to learn:

The power of leverage and systems for scaling both media and real estate

How to structure your first creative finance deal (even if you're starting with zero experience)

Why branding isn’t optional anymore in real estate—and how to do it right

How reading, mentorship, and action transformed a college student into a dual-industry entrepreneur

Want to be a guest on the podcast? Visit: peerlesspropertysolutions.com/podcast

Enjoying the show? Smash that subscribe button!

✉️ Follow Godsheritage

Facebook: godsheritage adeoye

Instagram: billionairetage

YouTube: godsheritage adeoye

TikTok: godsheritage adeoye

✉️ Follow Me
YouTube: / @peerlesspropertysolutions

Instagram: / peerlesspropertysolutions

Facebook: https://www.facebook.com/profile.php?...

TikTok: / michael.riordan8

LinkedIn: / michael-riordan-9270a675

X (Twitter): https://x.com/Peerlessps

Threads: https://www.threads.com/@peerlessprop...

👉 Are you a real estate investor with a story to share? Apply to be a guest at peerlesspropertysolutions.com/podcast and let’s put your deals on blast!

Step inside this week’s Off Market Mindset as host Michael Riordan chops it up with Jose Cortes—Air-Force-vet-turned-investor, transactional lender, and DSCR broker with a bullpen of 22 lending partners at his fingertips. Jose has bought, flipped, and held property in multiple states, and he’s currently juggling deals as varied as a 33-room mountain lodge in Colorado and a 16-unit multifamily—all while pioneering co-living projects that deliver both affordable housing and solid returns.

What you’ll hear in this episode 🛠️
Jose’s origin story
From wholesale hustles in 2016 to a portfolio of single-family, multifamily, short-, mid-, and long-term rentals—and why a 22-year military career hard-wired him to solve problems, not complain about them.

Transactional funding & gap money decoded
How earnest-money, double-close, and “stack” methods differ, why gap funding plugs the holes hard-money lenders leave, and the real-world costs Jose charges (spoiler: situational, not predatory).

DSCR loans without the drama
Jose’s playbook for pairing investors—yes, even those with bruised credit—with bespoke DSCR products, including a 90 % seller-carry program that keeps cash in your pocket.

Creative finance, VA entitlements, and seller carrybacks
Structuring sub-2 and seller-finance offers that let sellers breathe, preserve credit, and sometimes keep their house—plus a myth-busting breakdown of multiple VA loan entitlements.

Boots on the ground beats burnout
Lessons learned from long-distance rentals, the property-management nightmares that pushed Jose to buy closer to trusted partners, and how he now vets PMs like a pro.

Networking that pays rent
Why Jose vowed to hit every meetup he could find in 2024, the power of Pace Morby’s SubTo, Gator, and Owner’s Club communities, and a simple mindset shift that turned strangers into a 12 k-strong private-money Rolodex.

Why hit play?
You’ll pick up creative deal structures you can actually copy.

You’ll learn how to raise or place capital without begging the bank.

You’ll hear unfiltered war stories—late rents, eviction headaches, and the exact fixes that worked.

You’ll leave with a blueprint for building a network so strong it funds itself.

Enjoying the show? Smash that subscribe button!

✉️ Follow Jose
Facebook: https://www.facebook.com/corty73

Instagram: https://www.instagram.com/josepurposeoverprofits/

YouTube: https://www.youtube.com/@josepurposeoverprofit

✉️ Follow Me
YouTube: / @peerlesspropertysolutions

Instagram: / peerlesspropertysolutions

Facebook: https://www.facebook.com/profile.php?...

TikTok: / michael.riordan8

LinkedIn: / michael-riordan-9270a675

X (Twitter): https://x.com/Peerlessps

Threads: https://www.threads.com/@peerlessprop...