Episode No. 80

Navigating Real Estate and Wealth Building in a Post-Pandemic Era with David Ball

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Episode No. 80

           Listen To The Podcast On

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In today’s episode of The Share the Wealth Show, we’re thrilled to have David Ball back once more, guiding us through the intricacies of real estate and wealth creation in a post-pandemic landscape. They explore the:

🏡 Real estate, finance, and wealth-building topics.

📉 Insights into the COVID-19 impact on the market and the current housing inventory.

🧘 Emphasis on mindfulness in real estate decisions and the significance of financial literacy.

🔍 Underscores the need to critically evaluate information from social media.

💬 Discussion on generational wealth and the importance of a long-term strategy.

🎧 Don’t miss this enlightening episode! Tune in and discover valuable insights to navigate the evolving landscape of real estate and wealth-building post-pandemic.


David is a Navy veteran who turned a heartbreaking event into becoming one of the most trusted voices online in homebuyer education. His loan was declined 2 weeks before he and his fiancé were scheduled to close on their home (6 weeks before their wedding). Although tragic at the time it became a fortuitous fork in the road. He went all in on learning mortgage guidelines, becoming the ultimate home buyer educator so no one would have to experience what he went through. Seven years later David is one of most versed real estate professionals around when it comes to breaking down housing market news and mortgage guidelines. He’s been a licensed loan officer, mortgage underwriter and Realtor helping 100s of people become educated 1st time homebuyers off-line in real life too.



Interested in investing in small multifamily? Learn more about The Microfamily Mavericks mentorship program here:


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Key Quotes:

“It’s important to diversify things, whether it’s like real estate, whether it’s investing in your stock portfolio. You wanna diversify your portfolio, real estate, stocks, because you never know what’s gonna be up or what’s gonna be down.”- David Ball


“ Wealth is money plus knowledge, the combination of those two things is what actually generates wealth. And everyone, let’s talk about a generation of wealth is the key word. Bu,t you need money, you need knowledge to establish generation wealth.” -David Ball


Connect with David!








Let’s get connected! 

You can find Nicole on 

LinkedIn https://www.linkedin.com/in/nicole-pendergrass/

Instagram https://www.instagram.com/nvestornikki/?hl=en

Facebook https://www.facebook.com/nvestornikki


We can’t really predict what’s happening in the future. So you kind of kind of ignorant and so if you look at like economics from like a micro level, so if you look at like the real estate example I gave earlier as far as like no one knows what’s going to happen with home prices like a culvert or something to hit so that’s what you look at like real estate or assets from a micro level, but if you look at stuff from a macro level as well like no one knows what’s going to happen on it from a a huge economic standpoint, so It’s important to me to diversify things whether it’s like real estate whether it’s investing in knows your stock put your stock portfolio.

[00:00:38 – 00:01:30]

Intro: Welcome to the Share the Wealth Show, where minority professionals can learn to escape the racial wealth gap and catapult themselves into abundance. Your host, Nicole Pendergrass, grew her net worth from being negative to multiple six figures. Join her on her investigative mission to expose secret strategies of the wealthy so we can all have the tools needed to build the life and legacy we were created to possess. Now it’s time for the show.

Hey guys! So, we’re back again, this is the second part of the episode with today’s guests. I need you if you have not heard part 1, go back to the previous episode, and listen to that first and then come back and join us here today. You need to hear the whole conversation so why we split into two parts. There’s so many nuggets is so juicy. Go back and listen to the first part!.


[00:01:31 – 00:02:25]

Nicole Pendergrass: So one question then and we need to. We’ll be wrapping up in a second. But how do people vet like? There’s so many people who post online posts on social media. And they have, like great online presence and a lot of followers and their reels are like on point, and everything got the great music behind it. They just know how to pre present everything, and they’re so passionate when they talk. But how do you really vet who knows their stuff, and who’s just like saying in the in the thing, is a lot of times, in short, content. You can’t put all the details. It’s too much to fit into the short content. So sometimes you have to just give an overview. Actually, most of the times given overview. So people can like at least get the concept of it. But how do people like just scrolling and trying to find information really know if somebody they’re following is being for real or just like lowing hot air and giving inaccurate information.


[00:02:26 – 00:05:27]

Dave B: on your own. Like buying a home is going to be the biggest purchase that most people make ever in their life. So you got to do some. Your due diligence. I say, for instance, like one of my favorite things online is where folks will like post an article, and there’ll be a headline, and they’ll just point at the article and not really explain it, or they’ll read the article. And then it’s like, Okay, so what you should do like if someone put does that like

the the name of the article is there like there, look at it, go to Google and look at the article and actually read it and just see! See what the article actually says. And so like. I don’t know what I see people do that like I’ve

I’d say 70 80% of the people that do that. I know they never read the article, because the headline is typically hyperbolic via people to click on the the article, and then you’ll see in the article the the rail, me of the article, and also you want to go, and you probably want to do do this. I do this. I’ll also down at the bottom of the article that’d be footnotes, and it’ll simply say, Hey, we got the source. The information from it’ll typically be like the fhfa site, or Fannie Mae, or something like that. Actually go look at the information to to verify for yourself. It seems like a lot of work. But once again, this is the biggest financial decision of your life like you’re gonna have to do a little bit of legwork and what you’ll find out when you start doing this process, there’ll be certain people that you’ll see online that don’t engage in hyperbole. They just put out information whether it’s good or bad. And

you’ll you’ll start to identify like trusted sources. So like even me, like every now and then, I’ll see what. So I remember this is maybe like 6, 8, maybe similar to 6 to 8 months ago. I remember I saw online folks polishing about this 40 year, mortgage coming, and I was like 40 year morgue like I’ve not heard. I’ve not heard this at all like when they put told us about this at work. There’s a 40 year mortgage coming down the pipe, and so what I did. There’s there’s there’s a couple people a lot who are very highly respect their their expertise in the mortgage entry. So what I did was, they were my trusted sources I had. So I went to their web page that went to their their page. And I was like, Okay, they posted nothing about this. It’s probably nonsense. And I would also, I would also kept like Google as your finished. Well, I would also Google 40. I remember this now. Google 40 year mortgage, 40 year mortgage and the same one website kept popping up like it was. It was like, literally only one source. If you guys know what I’m talking about, but they also literally one source about this story. About a 40 year mortgage. It came from this small news station in Arizona, and every single article leaked back, linked back to this one story. So I’ve read the story, and I was like, Oh, this story is referencing a a Fannie mae mortgage modification guidelines from like 3, 4 months ago, that they just totally misinterpreted. So the the long story is, you got to do some due diligence, but once you start doing it, you’ll identify folks that know what they’re talking about, and so you can also use them as a quick way to go about it mortgage,


[00:05:28 – 00:08:27]

Nicole Pendergrass:  just because even in my multi family circles, we’d like to look at the economic trends. And what’s happening. And someone you know, I highly respect in the field. He had


Nicole Pendergrass: kind of predicted something with a 40 year mortgage would be coming, because just affordability and and some kind of way to make properties more affordable. And so.


Nicole Pendergrass: as soon as we saw this, we knew it was for loan modifications only, so is not yet rolled out into actual purchases. But you know, that’s something we were keeping our eye on as like a possibility in the future. But for people to just like run and think like loan Mods, though you can go buy a house. That means you don’t know what a loan modification means, because you have to already have the house modify


Nicole Pendergrass: loan, and that’s only if you’re like in the financial duress with the loan you already have. So there’s a lot of


Dave B: like in between the lines like you said you need to like, know, and understand the full picture, or reach out to people who you respect in the field. Somebody is explaining. Only if someone’s video is basically them reading the headline to the article, they probably have not read the articles. It’s just a quick tip for you guys out there, cause they’ll point out what’s in the articles that cause I want to sound smart if they’ve actually read it. But most folks don’t read the articles that they’re


Dave B: they’re pointing at when they’re doing their


Nicole Pendergrass: I’ve never done one of those point to the article. Kind of thing. Semi, because I just still don’t know how the Ig Blue Screen thing works.


Nicole Pendergrass: but the other thing is I actually will not just point to the article title. I need to be able to explain and break down what the articles about. So I’m going to figure out this Ig blue screen. And I’m gonna do some videos point to articles and number tag, you let you know that I’m explaining the article


Dave B: because the cousin of that is the people that just


Nicole Pendergrass: do what someone else’s video and add nothing. So I started.


Dave B: that’s that’s my, that’s my fine defines for those videos. So I’ve done like 3 of those so far. So


Nicole Pendergrass: I’m gonna do that. Now, I have to. Now, that sounds like hilarious.


Nicole Pendergrass: Okay, so we’re actually going to move into the segment of the show that’s called Digest with the guest, because our guest normally gives so many juicy morsels throughout the conversation. And now we wanna get that last little piece to round out the meal.


Nicole Pendergrass: So Warren Buffett said that diversification is protection against ignorance.



Nicole Pendergrass: And what do you think that means? And is that a good or bad thing.



[00:08:28 – 00:10:03]

Dave B: So my interpretation of that is well when ignorant suggests. You know, some folks folks not knowing like, if you ask me like hey


Dave B: Like my check into like was all in my car, like 2 weeks ago. I live a bit. I look at it. I don’t know what’s going on like. I’m ignorant cause. I’m not. I’m not a mechanic, so like I’m ignorant when it comes to


Dave B: the the car industry. And so when I when I look at


Dave B: Warren Buffett, saying ignorance! It means that you just don’t know what you don’t know, and also like I gave the example earlier about me, not knowing that Covid was going to. And us, they didn’t know. I didn’t know that whole home price we’re gonna I think no one knew. Home price is gonna go 43 when Covid hit. But you can’t really predict what’s happening in the future. So you’re kind of kind of ignorant. And so if you look at like


Dave B: economic from like a a micro level. So if you look at like the real estate example I gave earlier, as far as like no one knows what’s gonna happen with home prices


Dave B: like a covid or something may hit. So that’s when you look at like real estate or assets from a a micro level. But if you look at stuff from a a macro level as well, like no one knows what’s gonna happen on it from a a huge economic standpoint. So it’s important to to me to diversify things, whether it’s like real estate, whether it’s investing in knows your stock or your stock portfolio to me like


Dave B: that. That. Ignorant protection. It’s a protection against ignorance is a I forgot the post. Sorry diversification, yes, sorry diversification. You wanted. Diversify your portfolio. You know real estate stocks, because you never know what’s going to be up. What’s going to be down?



[00:10:04 – 00:11:44]

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[00:11:45 – 00:12:40]

Dave B: I have a a good online friend who. when Crypto was


Dave B: going crazy, he sold his real estate portfolio. He went.


Dave B: eggs and all, in one basket and put it into Crypto.


Dave B: Crypto went down real estate went up because even at diverse buyers portfolio, he got burned. So you always want to make sure you’re diverse fine because you never know what’s gonna happen in in the future is kind of how I look at that, whether whatever the asset class is, was up, maybe down in a little bit, and what’s down? Maybe up in a little bit. So whether you did crypt if you were nft when it was nft voice and you and all in our nfts like.


Dave B: kind of lost out. So yeah, you want to have a couple


Dave B: what do you call it? Stokes Stokes in the fire. So have one main thing, but have a couple of things in case crypto crashes. Real estate crashes the stock market crashes. Have. I have a couple of things, a couple of things going on.


[00:12:41 – 00:13:13]

Nicole Pendergrass: Yeah, just cause. Just in case your crystal ball is broken.


Nicole Pendergrass: in the game of monopoly. Have you played monopoly before? Oh, yeah, yeah, monopoly.


Nicole Pendergrass: Actually, yes, I have had people who have not. And I remember the first one, and then it was a second, one, third one, but at least 2 people have not played monopoly. I know I was supposed to surprise surprise. But okay, Boardwalk versus Baltic. What will be your first purchase and your strategy to win the game. And why


[00:13:14 – 00:14:09]

Dave B: so so? Going back to the


Dave B: the earlier scenario? Like to me.


Dave B: Bo Balsa like, if you’re if you’re sitting around waiting on boardwalk, that may never come, but


Dave B: because it lets you once again diversify what’s going on. You can buy Baltic, whatever the purple. What is the Baltic? I forget. But you can buy a couple of things, the the orange, the yellow. But you want to be diversifying what’s going on? Because if you’re you could go around the board


Dave B: 10 times. Never land on boardwalk. But you could buy Baltic. You could buy a couple other things in order to give you the best opportunity to to win and and profit. Now, Baltics kind of like the the gentrifying neighbor. Right? You just wanna you wanna buy low, have some other opportunities to to buy in other areas. But yeah, yeah, Baltic is is is my move. Now, if I land on boardwalk. I I’ll buy it. But if I had to be like, Hey, one or the other, I’ll start with Baltic, because I can. I can branch out and do other things based on smaller purchase.


[00:14:10 – 00:14:39]

Nicole Pendergrass: Actually, I like that because that’s kind of how I am. Everyone wants. Like, you know, a class. A building is big and sexy and nice, but for me, I like to diversify, spread my money into multiple different buckets. So I would like, I like the way you frame that, because once you, if you have Baltic, you still have capital left to buy additional property, you might lay it on boardwalk. You have to put all your money there, and now you have nothing else to to buy something else with. But yeah, I like that. Alright. What does wealth mean to you?



[00:14:40 – 00:19:49]

Dave B: So so wealth is. Wealth is money plus knowledge to me, so that you know there’s sometimes folks have


Dave B: money like everybody should. I’m not sure, we know, like 70 or 90% of of lottery winners go broke. Why? Cause they got the money. But typically they don’t have the the knowledge. I’m sure we all know somebody that’s super smart reads a bunch of books. They got a bunch of knowledge, but they don’t got any money, or they may have the best business plan in the world, but they don’t have any money. So the combination of those 2 things is what what actually generates like wealth. Right? Everyone. Let’s talk about


Dave B: hey? Generation of all. There’s like the the key word. But you need money. You need knowledge to to to establish generation. Well, like a kind of quick, a quick, quick story like for my family


Dave B: like my. So it takes. I always say it takes like 2 or 3 actual actions to build generation. Well, typically so like my grandmother purchased her home in DC. Like in sometime in the sixties or seventies


Dave B: back, when you know, DC. Was like really, really Chocolate City right back back, back back then, where nobody wanted to to live in DC. Now, sometime around the the Eightys.


Dave B: My grandmother could no longer afford the property, so so generation action number one was my grandmother purchasing the property. Generational action number 2 was my mother purchased the property from my grandmother, like they didn’t sell the property they she purchased the property from. My my grandmother allowed her to stay in the property. I think, she ended up taking like a heloc out at some point, and to help fix up the property. So like, let’s let’s generate generational action number


Dave B: number 2 in the family, which may not have seen like a big deal at the time, cause I remember, like as a as a kid, like walking through


Dave B: going to the house, and it wasn’t like the hood. But you know there’s a little bit of unsavory activity going on around around the area.


Dave B: So that was like in the in the nineties. I remember that that neighborhood. I remember when I got out the navy like in 2,000, when I got like 2,015. I remember going home to my my grandmother’s house. I hadn’t been home like 10 or 15 years, maybe. So yeah, it’s been a while, maybe 10 years at the time, and I remember driving down the street, so going to my my grandma’s house, and I remember looking out the window to my left.


Dave B: and I was like, Well, there’s a really come up in this neighborhood. There’s like stores and bars right there, and so you have to take a left to go on to get onto the street to go to my grandmother’s house, and I remember we stopped and stop light, and I was kind of looking to my left, and I look forward, and I was like.


Dave B: there’s a whole foods literally right now on the corner where my grandmother’s house is, which used to be just this, this Murray’s grocery store. I remember there’s like like they used to be like people doing like drugs and stuff in the parking lot. I remember it’s ken I’m like.


Dave B: well, there’s a whole foods literally on the same. So think about this. I’m not saying you may be in fear of my grandma lives. But this is DC. There’s a whole foods on the corner. My grandmother’s home is on the other end, like of that same that same block. And so


Dave B: II remember I was just so amazed. All the transformation. Now there’s like the good graffiti in the neighborhood and stuff and stuff like that. So there, there’s there’s all that stuff in the neighborhood now.


Dave B: and I remember, and I was like.


Dave B: man. I wonder what this property is worth amount. II never looked it up, cause I felt that would be kinda kinda Corny to to look up, but they were there they were apartments above the whole foods. So I looked up the the rent on those studio deals like $3,000. I’m like man. So my my grandmother has a town home on the same block where there’s $3,000 studio apartments. And unfortunately she she’s she’s passed.


Dave B: She’s passed now, but like that. That that house is in our family, because my my grandmother took the generational like action to purchase the home. My parents took the gender step generational step to keep it in the in the family as well, and so


Dave B:  and then. So now, like my sister, is like renovating the property, and so like, you need that, like those kind of those steps to actually build generation. Well, I think a lot of times like in our community. Once again. We’re so far behind instead of like


Dave B: instead of like, Hey, I’m going to get on first base and second base and let let my kid get into the third base. Let their kid hit us on. We gotta get it all in one swoop, and so we end up doing like this fast money and not to knock anybody’s hustle, but things like stock options, instead of just like investing and like quick, quick money, and which we end up


Dave B: so every generation is up starting back again. It’s 0. Because we, instead of just trying to get a second base we wanted, we had it all right. And so sometimes you do, sometimes, you you’re you’re you’re you’re diddy, or somebody like that, or your your Jay Z or II can’t think of Lebron James, and interestingly off, not naming any like entrepreneurs like Rob Robert Smith, even though.


Dave B: Yeah, Robert Smith, even though he’s like a fourth generation. College graduate. But you need like like to get on base first, and then maybe a Robert Smith can come in and like, you know, and actually kind of, you know, change the tide of your fans for generations and generations like a down the line. But yeah, long would an answer be? Say, you need the money, but the knowledge, and actually taking steps to to do something with that money and knowledge.


[00:19:50 – 00:20:22]

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[00:20:23 – 00:21:54]

Nicole Pendergrass: Wow! I well, I love that that I love the combination, and I love the story so thank you for for sharing that generational wealth is really the long game, and, like your grandmother, like you said, unfortunately, is not here anymore. But what she’s passed on is now changing the legacy of your family. And I think a lot of times for us. It’s hard to think about. Yeah, we want our kids to do well, you know your your grandkids. But then, after that, it’s like.


Nicole Pendergrass: you don’t know. You don’t know those people, they and they don’t know you. And it’s kinda like, What am I gonna do? I want to live? Good. Now.


Nicole Pendergrass: you know, I got I wasn’t for my kids. But I also wanna live good now. And that’s part of the also trying to hit home runs. So I have something to live with now, and can leave something for the kids, but instead of taking my calculated


Nicole Pendergrass: slower moves that, you know, can get the family as a whole on a different basis. II love that. Another thing is, we actually ask


Nicole Pendergrass: each guest to come up with a question to ask the next guest.


Nicole Pendergrass: So the last guest


Nicole Pendergrass: had a question for you.


Nicole Pendergrass: He had a quote that, said Grant. Cardone had said, get yourself some big problems basically like, Go big, do something bigger. Because as you elevate in life, you’re gonna have your problems are gonna just get bigger. They’re gonna be different. But they’re gonna be bigger. So what big problems do you want to find yourself in within the next year?


[00:21:55 – 00:23:27]

Dave B: A huge problem I want to have within the next year is


Dave B: so 1 one thing I’m working on right now is


Dave B: kind of building out


Dave B: my my business from a a educational standpoint. So II mean, I’m here in Dallas. I’m I’m a realtor


Dave B: you know. Help folks here locally, but one of my missions is to help folks like nationwide. So one thing I’m working on is like a a nationwide network and kind of like this. This teaching platform. So a a big problem I want to have within the next year is basically is how to how to deal with.


Dave B: how to deal with all the people I’m I’m I’m working with on a on a in a national level. So right now, I’m not. Gonna I’m doing it by myself, right? Because, I don’t have so much buy more that they’re not so many people that I’m teaching like I could do like weekly zoom calls that I can, that I can’t handle myself, but I want to get into an an issue where I’m like. I don’t know how to manage


Dave B: what I need to scale my platform and bring in more folks and have folks like I edit like, I have the podcast, and Youtube. I do all the editing myself. And I do all the the trainings and stuff myself. I’m gonna get into a position where I have.


Dave B: I’m I’m so busy that I don’t have time to edit the stuff myself to to write up the training myself, to to do the weekly trainings myself as well. Maybe I can hire somebody else to kind of do some of the trainings with me find another person that’s as passionate about home by education as I am, or maybe team with somebody else that’s doing it doing it better than me. But


Dave B: yeah, when you get so busy that II need to to scale my business or team up with somebody else. That’s that’s doing it better than I am.



[00:23:28 – 00:24:17]

Nicole Pendergrass: I like that. I love that collaboration over competition.


Nicole Pendergrass: Alright. So do you have a question for whoever my next guest is


Dave B: ye? Yes, so this is a this is a question I would always ask people on my, on my, my, my first, my first day. So I got about my, I met my wife actually online. So you know, you would do like a a harmony. So you’d ask like questions, people before they get to you. So the question I would always ask is, it’s a very real question to me. I don’t think people realize how revealing it is. Their answer is, basically, I just say, Hey.


Dave B: if you could go back in time and see any 3 events.


Dave B: what would they be?


Dave B: Another thing? People’s answer is very interesting, because it tells you what’s important to them. So that’ll be my question for the next guest. Go back in time. Which 3 events would you want to see in person?


[00:24:18 – 00:26:06]

Nicole Pendergrass: Okay. writing that now. and to see


Nicole Pendergrass: why, that’s a good one. And now I’m thinking about the answer. I had to answer that. Oh, that’s a really great question. Okay, wow, Dave, this was a really good conversation. We touched on so many different topics. Okay, so I’m I have like a little my little notes. So we started with like you not having any taste anymore.


Nicole Pendergrass: So not gonna be able to taste food so that we can e healthy right? Some money just getting really cheap in the fed, decreasing the rates to inflation, peaking, trying to get rates increase, to bring inflation down to 2%, which might not happen till 2425, as some, as far as some predictions are going.


Nicole Pendergrass: and you should still buy, or just depends on your personal situation. We have about 3 and a half, 3.3 months of inventory, which is short for the amount of inventory normally have in the healthy market. But to, if you’re looking to buy and take advantage of the market. You just need to know. First you need to believe, and then you need to know your goals and do your financials and run the numbers and make sure you’re not over purchasing a house like cause we.


you need to get this generational wealth going, and if you over buy you buy too high, and you can’t maintain that house. Now, how are you gonna pass something down to your next generations?


Nicole Pendergrass: And that anybody who you follow on social media to make sure that they tell them the truth. So if they’re pointing at articles, make sure they’re talking. If they’re not talking, don’t believe em alright. So I think that was


Nicole Pendergrass: a great wrap up. I’m I really appreciate. We all all listeners to appreciate you coming on and sharing so much value with us today. Thank you. Thank you.


Dave B: Thank you. Thank you for having appreciate it.


Nicole Pendergrass: alright, and we will see you all or hear you all, if you’re on Youtube or on, podcast listen to us, on podcast for the next episode. So until next time.


[00:28:27 – 00:29:03]


[00:10:05 – 00:11:45]


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The Breakdown

Find out how to quickly review an offering!

The Launchpad

A beginners guide to passive wealth building.

Nicole Pendergrass