
Advertise on podcast: The Lo-Down
Rating
5from
This podcast has
49 episodes
Language
EnglishPublisher
Lorenzo MercadoExplicit
No
Date created
2024/08/25
Latest episode
2026/07/14
Average duration
53 min.
Release period
18 days
Description
The Lo-Down brings conversations with people from all walks of life who are relentlessly pursuing success. Hosted by Lorenzo Mercado this podcast dives into the stories behind the grind and uncovering the mindset and strategies that drive growth. From entrepreneurs and season investors to business owners and visionaries, every guest shares a unique perspective on what it takes to achieve success. Whether you're building a business, chasing a dream, or striving for personal growth, The Lo-down is your source for inspiration, actionable insights, and the motivation to level up.
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Check latest episodes from The Lo-Down podcast
How to Replace a 6-Figure Career | Alex Kang E49
2026/07/14
Most people assume entrepreneurship means starting from scratch. Alex Kang took a different path — and built a three-business portfolio doing it.
After 15 years in consulting and tech, Alex left his corporate career to buy a hotel in California, open an Alloy Personal Training franchise in Los Angeles, and acquire Priority Doors and Windows, a 45-year-old distribution business in San Diego. In this conversation, he makes the case for buying a business or franchise instead of building one from zero.
Lorenzo and Alex cover the cash flow problem most people don't see coming when they leave corporate, how SBA financing actually works, the real cost and timeline of opening a franchise, how to evaluate a small business before buying, and how Alex manages three businesses without losing his mind.
A practical, honest conversation for anyone thinking about leaving corporate to own something of their own.
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Connect with Alex Kang
https://www.instagram.com/s.alex.kang/
Priority Doors and Windows
https://www.prioritydoorwindow.com/
Alloy Personal Training
https://alloypersonaltraining.com/
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Connect with Lorenzo Mercado:
Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com
Listen to The Lo-Down Podcast
🎙Apple:
https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
Get Paid Double the Rent w/ Temporary Housing/Midterm Rentals | David Kamenetsky E48
2026/06/30
In this episode of The Lo-Down Podcast, I sit down with David Kamenetsky to break down the exact operational playbook he used to scale a 50-unit temporary housing and property management business.
David shares how his company targets corporate relocations and insurance housing clients to extract massive premiums from standard real estate assets—including a deep dive into a case study where they took a San Francisco property from an $8,000 legacy rental to a $12,000+ corporate lease. We also discuss how he built a fully remote team of 10 to manage operations while maintaining complete lifestyle freedom.
Topics Discussed:
-The importance and stability of midterm rentals in any economic climate
-How David transitioned from real estate flipping and sales to managing a 50-property portfolio
-Strategic insights on ideal property types and locations for furnished rentals
-Managing relationships with insurance companies, relocation specialists, and landlords
-How to maximize rental income using arbitrage and co-hosting models
-The typical costs, fees, and steps to get started in short-term and midterm rentals
-Lessons learned from legal challenges and handling difficult situations
-The future of Dolmaluxe Properties and expansion plans
-Practical tips for beginners: research, action, and scaling smartly
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Connect with David Kamenetsky:
Instagram: https://www.instagram.com/davidkamenetsky/DolmaLux Properties: https://www.domaluxeproperties.com/
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Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
The $200k Shipping Container: A Masterclass in Unique and Experiential Stays | Josh McEachron E47
2026/06/16
Discover how Josh McEachron turned a simple shipping container into a luxurious, organic Airbnb experience in Pioneer, California. From land acquisition to permitting hurdles, learn the story behind this innovative stay, and get actionable advice for creating your own unique hospitality venture.
Main Topics:-The organic evolution of a shipping container into a luxurious and unique Airbnb retreat-Permitting and land acquisition challenges in rural California-Designing for intimacy and curated guest experiences-Cost breakdown and financial performance of the property-Tips for aspiring hosts: making properties stand out
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Resources & Links:
RidgeViewStay on Airbnb (Pioneer, CA): https://www.airbnb.com/rooms/1203068341048557584?source_impression_id=p3_1781483090_P3zltOQycniDQNdQ
RidgeViewStay on Instagram: https://www.instagram.com/ridgeviewstay/
Connect with Josh McEachron
Email: [email protected]
Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado_ Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983--
Why High Earners Stay Broke: A CRNA's Escape From the Golden Handcuffs | Leah Krebs E46
2026/06/03
Leah Krebs spent 32 years in nursing — 16 at the bedside and 12+ as a Certified Registered Nurse Anesthetist, including trauma anesthesia at the nation's busiest trauma center. After a series of pivotal personal and professional moments, she and her husband founded Priority 1 Capital, a multifamily real estate firm built specifically to help healthcare professionals earn passive income through apartment investing.
In this episode, Leah shares her full story: the grind of CRNA school, the defining moments that pushed her toward financial independence, and exactly how she went from W2 employee to general partner on a $7.7 million property.
Connect with Leah & Priority 1 Capital
Instagram: https://www.instagram.com/leah_krebs_
Website: https://www.p1capitalinvestment.com/
Connect with Lorenzo: Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast 🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761 🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
How to Build a Business Partnership That Actually Lasts | Cory Jacobson E45
2026/05/21
In this episode, Lorenzo sits down with Cory Jacobson, co-host of the Wealth Juice Podcast, to unpack how he went from making $35K working for the Philadelphia 76ers to building an 80-unit real estate portfolio alongside his business partner Ryan. Cory shares the power of house hacking, long-term thinking, authentic networking, and why successful partnerships are built on trust, communication, and aligned values.
They also dive deep into podcasting, personal branding, raising capital, entrepreneurship, and what it really takes to create financial freedom without sacrificing the relationships that matter most.
00:00 - Intro & Meet Cory Jacobson
00:38 - How Cory Got Started in Real Estate
02:05 - The First House Hack That Changed Everything
03:10 - How Cory & Ryan Built Their Partnership
05:20 - Why Most Business Partnerships Fail
07:37 - Complementary Skill Sets in Business
09:54 - Handling Conflict & Difficult Conversations
11:55 - The Importance of Communication & Values
14:03 - “It’s About Who You Build With”
15:37 - How The Wealth Juice Podcast Started
17:58 - Overcoming Fear of Starting a Podcast
20:03 - Dealing With Judgment & Criticism Online
21:42 - Staying Consistent for 400 Podcast Episodes
23:59 - Habits, Discipline & Long-Term Consistency
24:20 - Common Traits of Successful People
26:53 - Why Real Estate Is a Long-Term Game
28:06 - Cory’s Real Estate Investing Strategy
30:27 - Why They Focus on Multifamily Properties
32:16 - Real Numbers Behind Their Real Estate Deals
34:23 - Raising Capital Through Podcasting & Social Media
37:56 - Why Building in Public Creates Opportunities
39:39 - The Power of Community & Networking
42:08 - Escaping Analysis Paralysis
43:20 - Why Your First Deal Matters Most
44:31 - Leaving the W2 Job & Betting on Yourself
47:15 - Entrepreneurship vs Job Security
48:24 - What Cory Would Do Differently Starting Over
50:57 - Where to Find Cory & Wealth Juice Podcast
51:42 - Final Thoughts & Outro
Connect with Cory Jacobson
Instagram: https://www.instagram.com/wealthjuiceofficial/
Podcast: https://podcasts.apple.com/us/podcast/wealth-juice-real-estate-personal-finance-investing/id1506974626
Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
Turn Expenses Into Free Luxury Travel w/ Credit Card Hacking | Jaina Pallasigui E44
2026/05/05
What if every bill you paid was secretly funding your next luxury vacation?
That's exactly what real estate investor Jaina Pallasigui figured out — and she's accumulated over 2 million credit card points and redeemed $175,000 in free luxury travel to prove it.
Jaina breaks down exactly how she runs her entire real estate business through credit cards, turns renovation expenses into business class flights, and books five star hotels without spending a dime out of pocket.
She even reveals how replacing a roof on one of her rental properties ended up paying for her entire family's stay at the Four Seasons Tokyo — completely free.
In this episode we cover:
The exact credit card stack she uses for her real estate businessHow to increase your spending limit the right wayThe website she uses to find transfer bonuses nobody talks aboutThe best times to book flights using pointsHow to turn everyday business expenses into luxury travelWhether you own a business, pay rent, or just have a credit card in your wallet — this episode will completely change how you think about spending money.
Connect with Jaina
Instagram: https://www.instagram.com/jaina_anne/
Connect with Lorenzo Mercado:
Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast 🎙
Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
Boutique Hotel Investing: How Two Architects Built a Vogue-Featured Wellness Hotel in Palm Springs | Diana Osso & Josh Dobken
2026/03/26
Josh Dobken and Diana Ossa managed billion-dollar architecture projects before buying a blank-slate hotel in Palm Springs, and turning it into a Vogue and Forbes-featured boutique property in under a year. In this episode of The Lo-Down, they break down exactly how they did it.
With 15+ years of commercial architecture experience and 40+ short-term rentals across multiple states, Josh and Diana share the mindset, strategy, and hard lessons that took them from residential investing to boutique hotel ownership at scale.
What You'll Learn:
-Why they walked away from multiple deals before finding the right one
-How they used a co-hosting company to prepare for hotel operations
-The value-add strategy behind Terra Palm Springs
-How they selected their market and defined their guest avatar
-Why no deal is better than a bad deal
-How their hotel earned coverage in Vogue, Forbes, and Travel + Leisure
Whether you're exploring boutique hotels, STR investing, or building a path out of your W-2 — this episode is for you.
Connect with Josh Dobken & Diana Osso
Instagram: https://www.instagram.com/d.i.fi/ Instagram : https://www.instagram.com/terrapalmsprings/Website : https://www.terrapalmsprings.com
Connect with Lorenzo Mercado:
Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast 🎙
Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
The Live-In Flip Strategy: How to Build Wealth in Expensive Markets | Joshua Massari E42
2026/02/11
In this episode of The Lo-Down, Lorenzo sits down with Joshua Massari, co-host of The Broke Millionaires podcast, to unpack how he and his wife built millions in real estate equity while living in one of the most expensive markets in the U.S. — Orange County, California.
Joshua shares how they used a live-in value-add strategy (a twist on BRRRR), buying fixer-uppers as primary residences, renovating while living in them, and repeating the process — all while raising four kids and working full-time.
If you think real estate investing only works in cheap markets, this episode will completely change your perspective.
Chapters
00:00 Intro – Meet Joshua Massari
01:00 What does “Broke Millionaire” really mean?
02:30 Investing in expensive cities like Orange County
04:10 Why fixer-uppers beat turnkey homes
05:40 Buying during COVID: opportunity in chaos
07:15 The ALLL Method (Acquire, Live, Lift, Leverage, Loop)
09:10 Using primary residence loans to invest with less cash
11:00 Turning $17K into millions in real estate
12:40 House hacking before it was a buzzword
14:10 Why Josh avoids flipping houses
16:00 Living through full renovations (no kitchen, kids included)
18:50 Renovation stress, marriage, and alignment
21:40 Balancing a full-time job with real estate investing
24:50 Kids and investing: why they’re not the problem
27:10 Delayed gratification & long-term wealth mindset
28:50 Mid-term rentals vs long-term rentals in California
31:00 How to evaluate neighborhoods correctly
33:30 Foundations: deal breaker or opportunity?
36:10 Creative financing explained (seller finance, HELOCs)
39:50 Cross-collateralization & hard money loans
42:00 Over-leveraging myth explained
44:30 HELOC strategy most investors miss
47:30 Fighting banks & getting deals approved
51:30 Starting The Broke Millionaires podcast
54:00 Biggest advice for new investors
55:40 Where to find Joshua + final thoughts
Key Takeaways
You don’t need to invest out of state to build wealth — strategy beats location
Living in your investments unlocks better financing and faster scaling
Renovation pain is temporary, equity is permanent
Kids aren’t the obstacle — lack of alignment is
Creative financing is often the difference between quitting and winning
Real estate rewards those willing to stay uncomfortable longer
Who This Episode Is For
Investors in high-cost cities
First-time homebuyers thinking long-term
Families who think kids stop investing
Anyone waiting for the “perfect time”
People who want real, practical investing stories — not hype
Connect with Joshua Massari
Instagram: https://www.instagram.com/joshuadmassari/?hl=en
Instagram : https://www.instagram.com/thebrokemillionaires_/?hl=en
Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado_
Website: LorenzoMercado.com | SolvarraGroup.com
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
How a Therapist and RN Built a Mid-Term Rental Business Without Using Their Own Money | Michael & Grace Santos E41
2026/01/27
What does it really take to go from working full-time jobs to raising $8,000,000 in private capital and building a multi-state real estate business?
In this episode of The Lo-Down Podcast, I sit down with Grace & Michael Santos, a therapist and nurse who built a thriving out-of-state flipping and mid-term rental business without using their own money. They break down exactly how they started in 2021, pivoted from flips into mid-term rentals, and built the systems and credibility that allowed them to raise $8M in one year using OPM (Other People's Money).
What You'll Learn:
How to transition from W-2 jobs to full-time real estate investingWhy mid-term rentals are more profitable and stable than traditional flipsThe exact step-by-step process for raising millions in private capitalHow to find, approach, and close private lenders (with scripts)Deal structuring secrets and what to include in investor one-pagersPremium furnishing strategies that attract higher-quality tenantsExit strategy framework: when to flip vs. hold a propertyManaging burnout and time-blocking as entrepreneur couplesTheir 2026 vision: multifamily development and scaling to $20M+
Connect with Michael and Grace Santos:
Instagram: https: https://www.instagram.com/michael.dc.santos/?hl=en
Instagram : https://www.instagram.com/mwgmproperties/?hl=en
Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado
Website: https://www.mercasaventures.com | www.AscentCapital.llc
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
How To Build Generational Wealth As A Parent | Stephanie Lombardo E40
2026/01/13
What does it really look like to build generational wealth while being a present parent?
In this episode of The Lo-Down Podcast, I sit down with Stephanie Lombardo, a real estate investor who has completed 200+ house flips, scaled a rental portfolio across multiple states, and intentionally built ownership not just for herself—but for her daughter.
Stephanie breaks down:
• How she bought her 3-year-old daughter a cash-flowing rental property
• The exact BRRR strategy she used with zero personal capital
• How she scaled 15+ flips at a time
• Raising private money and using OPM (Other People’s Money)
• Building a high-performance team using virtual assistants
• Balancing entrepreneurship, motherhood, fitness, and identity
• How to raise a wealthy child without creating entitlement
This episode is a must-watch if you’re an entrepreneur, real estate investor, or parent thinking long-term about time freedom, legacy, and impact.
👇 Subscribe for more real conversations on wealth, business, and life.
Connect with Stephanie Lombardo:
Instagram:https://www.instagram.com/thestephlombardo/
YouTube: https://www.youtube.com/@thestephlombardo/
Connect with Lorenzo Mercado:
Instagram: https://www.instagram.com/lorenzo.mercado
Website: https://www.mercasaventures.com | www.AscentCapital.llc
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
How He Built and Scaled an Assisted Living Business | Serg Lupescu E39
2026/01/06
Serg Lupescu went from living in his car to owning 255 licensed assisted living beds.
In this episode of The Lo-Down, Serg shares the raw truth about walking away from nursing to build an assisted living business from the ground up. He opens up about the sacrifices, mistakes, and lessons learned while scaling from his first small facility to a multi-location operation.
This conversation goes beyond surface-level success and dives into what it actually takes to choose a harder path, stay resilient through uncertainty, and build something real over time.
What we cover:
Why he left a stable nursing career for entrepreneurshipThe reality of living in his car while starting his first facilityHow he chose assisted living as his niche and why it mattersScaling from 5 beds to 255 and the systems that made it possibleLocation, licensing, and regulations most people misunderstandPreventing burnout in healthcare-focused businessesUsing social media to build credibility and attract opportunitiesWhy taking action beats perfect planning
Whether you’re in healthcare, real estate, or simply questioning the traditional path, Serg’s story is a powerful reminder that the right niche paired with relentless action can change the trajectory of your life.
Connect with Serg Lupescu:
Instagram: https://www.instagram.com/serg.lupescu
YouTube: https://www.youtube.com/channel/UCMnasdyxsKn0ULRpS4Zi7Zw
Connect with Lorenzo Mercado:
Instagram: https://www.instagram.com/lorenzo.mercado
Websites:
https://www.mercasaventures.com
https://www.ascentcapital.llc
Timestamps
1:20 From Nurse to Entrepreneur5:40 Living Out of a Car While Getting Started13:25 Choosing Entrepreneurship Over Stability21:59 Why Assisted Living Became the Right Niche32:53 Lessons From the First Facility40:39 Thinking Bigger Than the First Win47:38 Transitioning Into Commercial Assisted Living54:45 What New Assisted Living Investors Miss59:01 The Real Challenges of Scaling1:01:58 Building a Positive Workplace Culture1:07:20 How Social Media Changed the Business
Hard Money Lending & Deal Structuring | Hemant Mahajan E38
2025/12/24
Lorenzo Mercado sits down with Hemant Mahajan—Bay Area real estate developer, hard money lender, founder of Newbridge Equity, and author of Buying Back Your Life—to explore what really changes when you operate as both the lender and the investor.
Hemant breaks down how seeing deals from both perspectives completely transforms risk assessment, deal structure, exits, and long-term wealth creation. With 15+ years of experience, nearly 100 funded deals, and millions deployed across residential, commercial, and development projects, he shares hard-earned lessons most investors only learn the painful way.
This conversation covers:
Hard money lending explainedHow lenders actually think when deals go sidewaysStructuring joint ventures using both debt and equityReal-world examples of complex, high-risk dealsBiggest investing mistakes and mindset shiftsBuying back time using real estate and passive incomeIf you want to understand how experienced capital really moves in real estate, this episode is essential.
Connect with Hemant:
New Bridge Equity: https://newbridgeequity.netlify.app/
Instagram: https://www.instagram.com/meetrajum/
LinkedIn: https://www.linkedin.com/in/hmahajan/
Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado
Website: https://www.mercasaventures.com | www.AscentCapital.llc
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
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Chapters:
Chapters:00:00 – Seeing deals as both a lender and investor01:14 – Guest introduction: Hemant Mahajan02:01 – Why Hemant started as a lender, not an investor03:03 – Learning without a mentor in early hard money lending04:20 – What hard money lending actually means05:11 – Interest rates then vs now in hard money06:14 – How borrowers earn better rates over time07:05 – What lenders look for in first-time investors08:30 – Trust, equity, and win-win lending09:12 – When and why Newbridge Equity was formed10:20 – Licensing, usury laws, and scaling lending legally11:24 – What separates Newbridge Equity from other lenders12:17 – Combining debt and equity in joint ventures13:51 – Case study: 9-townhome development deal15:44 – Why flexible lenders matter in construction delays18:03 – Avoiding foreclosure through smarter deal structure19:34 – Why Hemant avoids “lend-to-own” strategies20:29 – How new investors earn JV opportunities22:04 – Red flags that stop Hemant from funding deals23:12 – Why real estate beats stocks and crypto for him25:20 – What most investors overlook in deals26:34 – “Hairy” deals others avoid and why he targets them28:19 – Buying distressed property during active litigation30:25 – Why complex deals offer higher upside31:05 – Biggest real estate loss and lessons learned33:47 – Why losses teach more than wins34:24 – Building resilience and long-term mindset36:39 – Creating freedom with passive income38:31 – From CDs and savings to real estate wealth39:41 – Best advice for W-2 employees starting in real estate40:21 – House hacking and first investment strategies42:48 – Using debt intelligently to grow wealth43:07 – Writing Buying Back Your Life45:16 – Turning money into your employee46:20 – Buying back time through joint ventures48:21 – How many hours Hemant actually works49:14 – Should beginners start as lenders or investors51:23 – Using 401(k)s and passive lending52:27 – Vision for the next 3–5 years54:07 – Why happiness is about the present, not milestones
The Mindset of a Top 1% Trader | Kam Dasani E37
2025/12/11
In this episode of The Lo-Down, Lorenzo sits down with trader and educator Kam Dasani, who became a millionaire by 30 and now trades seven-figure prop-firm capital without risking his own money. But this conversation isn’t about hype or shortcuts — it’s about the mindset, emotional control, and disciplined decision-making that separate the top 1% of traders from everyone else.
Kam opens up about the habits that helped him grow a $700K personal account, why 99% of traders lose, and how he built a system that can be executed in under a minute a day. He also breaks down how prop firms actually work, why emotional regulation matters more than strategy, and how Bitcoin’s four-year cycles shape long-term wealth.
This is a raw, grounded look at what it really takes to succeed in an industry where most people fail — and how the lessons from trading apply to life, business, and personal growth.
KEY TOPICS
The mindset and discipline behind top 1% traders
Why most traders fail before they even start
Trading with $0 of your own capital through prop firms
How Kam built a $700K personal account
Emotional control, rules, and decision-making
The truth about “passive trading”
Bitcoin cycles and long-term wealth frameworks
Mentorship, accountability, and escaping the corporate path
Connect With Kam:
Instagram: @profitwithkam(https://www.instagram.com/profitwithkam/?hl=en)
LinkedIn : https://www.linkedin.com/in/kam-dasani-937005101/
Connect with Lorenzo:
Instagram: https://www.instagram.com/lorenzo.mercado
Website: https://www.mercasaventures.com | www.AscentCapital.llc
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
Chapters:
0:00 – Intro to Kam: millionaire by 30, unique trading approach1:00 – Why 99% of traders fail2:30 – Emotional control and trading psychology4:00 – Gambling vs trading: what separates pros from amateurs6:20 – Kam’s $700K portfolio + $1M+ prop-firm capital7:00 – How prop firms REALLY work: the catches and advantages10:00 – Exclusive partnership: funding traders in-house12:00 – Who Kam trains and why beginners succeed faster14:00 – Time freedom, remote lifestyle, trading anywhere in the world17:00 – How much time you actually need to trade daily18:00 – Can trading become passive? Where it can and cannot20:00 – If Kam had to invest everything into one thing today22:00 – Bitcoin cycles and why Kam never sells25:00 – How Kam handled family and friends thinking he was crazy28:00 – Kam’s “why” for building wealth and proving doubters wrong30:00 – Empowering others through trading education33:00 – College debt, corporate life, and why most people stay stuck36:00 – Why now is the best time to invest38:00 – Entrepreneurship loneliness vs corporate comfort41:00 – Circle shrinking: why you can't tell everyone your dreams45:00 – Advice for beginners: how to start trading today47:00 – What working with Kam looks like (options + futures training)50:00 – How he used $92K of credit to change his life53:00 – Choosing between active income vs passive income54:00 – Where to find Kam & how to work with him
How to Become the Bank: Private Money Lending for Passive Income | Darius McClelland E36
2025/11/26
Darius McClelland has lent out over $620,000 of his own money and built a six-figure passive income business doing it. In this conversation, he breaks down exactly how private money lending works, how he made $20,000 on his first deal without lifting a finger, and why this strategy might be one of the most overlooked wealth-building tools in real estate.
He also reveals how one Instagram post helped him raise over $600,000, his exact process for vetting borrowers and protecting his capital, and why transparency is everything when it comes to raising money online.
Whether you're sitting on cash you want to put to work, curious about becoming the bank instead of going to one, or just want to understand how private lending actually works behind the scenes, this episode delivers.
What You'll Learn:
How Darius built a six-figure lending business by deploying $620KThe mechanics of private money lending explained simplyHis step-by-step process for vetting deals and protecting investmentsRed flags to watch for when someone asks to borrow your moneyWhy private lending can outperform rental properties for cash flowHow he raised $600K from a single Instagram reelPayment structures: monthly, quarterly, and balloon optionsScaling from individual loans to starting a fundHow to use social media to raise capital and build trustThe mindset shift required to show up online consistentlyKey Topics:Private money lending | Real estate investing | Social media for capital raising | Building trust online | Self-directed IRAs | Starting a fund | Passive income systems | Lifestyle freedom
Connect With Darius
Instagram:@dariusmcclelland (https://www.instagram.com/dariusmcclelland/)
Connect with Lorenzo
Instagram: https://www.instagram.com/lorenzo.mercado
Website: https://www.mercasaventures.com | www.AscentCapital.llc
Listen to The Lo-Down Podcast
🎙Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
🎙Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
How Fractional’s CEO Stella Han Raised $400M and Changed Real Estate | E35
2025/11/05
What if you could buy real estate with friends or even strangers without needing $100K upfront or dealing with endless paperwork?In this episode of the podcast, host Lorenzo sits down with Stella Han, Co-founder & CEO of Fractional, to uncover how she’s changing the game of real estate investing.Fractional allows anyone to co-own real estate legally and easily through investment clubs, no accreditation required, no crazy legal costs. Stella shares how the platform has helped investors raise over $400 million, what makes the model SEC-compliant, and how you can start investing smarter today.If you’re an aspiring real estate investor, operator, or entrepreneur, this episode will teach you how to raise capital, build trust online, and grow a community of active investors around your deals.
Why Watch This Episode:
• Learn how Fractional makes real estate investing accessible for everyone
• Discover the future of real estate ownership through community capital
• Understand how to build trust and transparency when raising money online
• Get inspired by Stella’s story of turning a $50K loss into a $5M startup.
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Connect with Stella Han:
Instagram: www.instagram.com/hellastellah/
Learn more: www.fractional.app/
Connect with Lorenzo:
Instagram: www.instagram.com/lorenzo.mercado_
Linktree: https://linktr.ee/lorenzo.mercado
Website: www.mercasaventures.com
www.AscentCapital.llc
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🎙Listen to The Lo-Down Podcast
Apple: https://podcasts.apple.com/us/podcast/the-lodown/id1764777761
Spotify: https://open.spotify.com/show/1YjwXXjvFT3mqve6uMF983
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Timestamp
0:00 - Intro: The new way to own real estate1:00 - What is Fractional and how it works3:00 - Raising $400M through community capital6:00 - Why investment clubs beat syndications10:00 - The legal side of Fractional investing14:00 - Typical returns and success stories20:00 - Mistakes new investors make24:00 - Hot asset classes for 202529:00 - Stella’s journey from failure to YC success39:00 - Pivoting from consumers to operators42:00 - The mindset for raising capital47:00 - What’s next for Fractional
Podcast reviews
Read The Lo-Down podcast reviews
Smittysmoove66 2026/04/21
Good find
Found this podcast looking for content on private lending and found this gem. Listened to a few others. Good conversation with his guests and really g...
kayla grzandziel 2026/01/24
another rn who invests
Lorenzo’s podcast is informative and personal. I am really able to relate to him being a nurse myself and investing in real estate.
Serg237 2026/01/06
Great Podcast and Host!
Lorenzo is great and the guest he has on are amazing with great value! Definitely worth adding this podcast on your list of go-to podcasts!
Avid risk player 2025/11/12
Inspiring
So real and motivating!
The Definition of 5 Stars 2025/11/12
Fire podcast
Insightful podcast, real value!
Helenice Cas 2025/05/31
Hooked
Hooked on this podcast and love how genuine the guests are!!
The CPA Dude 2025/05/28
Lorenzo is the man!
Insightful and a ton of valuable information!
AlexanderMartinParis 2025/05/08
Real, insightful and great journey
Love hearing about the challenges, successes and thoughts of somebody moving through the gears. Keep it up Lorenzo!
Vik D. 2025/04/28
Nice Resource for Success
A great podcast with a wide range of guests who share their history and insight into what it takes to make it in the business. The conversation is eas...
Drewww E 2025/04/27
Great advice for business and real estate
I’ve been listening to the show since the beginning and Lorenzo continues to bring on great guests. Each episode brings tremendous value about various...
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