In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Phoenix investor Kyle Cargus to unpack how he went from a shy, head-down introvert to a highly connected leader in Subto and the Owners Club—scaling fix and flips, co-living, and multifamily across multiple markets.

Kyle shares how 18 years in real estate changed once he finally started networking, joining communities, and focusing on “who, not what.” Today he runs an acquisition company, a fix-and-flip business, and a fast-growing co-living portfolio in Phoenix and Atlanta, funding deals with creative finance and private money.

CHAPTERS
00:00 Intro and who is Kyle Cargus
03:15 From shy and quiet to real estate investor
09:40 Joining Subto, Owners Club and learning to network
17:20 Building an acquisitions machine and buying 5–6 houses a month
24:55 Co-living, Padsplit-style rentals and affordable housing
33:10 Funding deals with private money and creative finance
42:30 Advice for introverts and why “who not how” changes everything

Connect with Kyle:
Instagram: @kylecargus
Buy box & deals: carguscap.com/buybox
Weekly co-living Zoom (open to all): kyleandcarl.com

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who’s introverted, stuck, or ready to scale faster through community, creative finance, and smarter partnerships.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

🔌 PLUG IN & SUBSCRIBE 🔌
Instagram: / @edgartheconnector
TikTok: / @edgarsrei

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with 23-year real estate veteran and creative finance expert Philip Warrick to break down how subject-to deals, lease options, and Airbnbs helped him leave the family sign business and become a full-time investor.

Philip shares how an old Carlton Sheets infomercial, a missionary upbringing in Brazil, and the loss of his dad pushed him to grow up fast, buy his first creative deals, and eventually sell the sign company to go all-in on real estate. Today he runs a diverse portfolio of flips, rentals, Airbnbs, wraps, and lease options in the Houston area—backed by a big team, private lenders, and JV partners.

You’ll learn:

• How Philip bought his first subject-to deal in 2003 and went full-time in real estate

• Why “who you know” (mentors, REI clubs, communities) helped him avoid costly mistakes

• How he uses Airbnbs on his flips to bridge the gap, reduce taxes, and generate income while waiting to sell

• The strategy behind holding vs selling, and why some properties stay as STRs while others become lease options or wraps

• How MakeTheMoveNow-style programs help self-employed buyers and 1099 earners become homeowners without conventional bank loans

• Ways private money lenders can invest $25K+ alongside Philip on flips, rentals, and new projects—secured by real estate

• How Monday “Power Call” Zooms let investors bring real deals to underwrite live and JV with his team

Connect with Philip:
Website: philipwarrick.com (links to Zooms, coaching, and resources)

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who wants to use creative finance, private money, and Airbnbs to get out of the rat race and into true ownership.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

🔌 PLUG IN & SUBSCRIBE 🔌
Instagram: / @edgartheconnector
TikTok: / @edgarsrei

► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with lender, builder, and fund manager Julian Rizov of DealFunding360 to break down DSCR loans, hard money, construction financing, and how to avoid paying for money you can’t actually use.

Julian shares how he went from doing 250+ fix and flips to building new construction in Atlanta, creating co-living, Airbnb, and midterm rentals, and launching a $3M equity fund that lets investors participate in multiple ground-up and value-add projects—without swinging a hammer.

You’ll learn:

• How DSCR loans really work for rentals, co-living, and STRs

• The credit score thresholds (660, 700+) that change your rates, leverage, and terms

• When and how to convert a DSCR / investor loan into a primary residence conventional loan

• Why Julian says “Don’t pay for what you can’t use” on construction loans

• Non-Dutch vs Dutch interest (and how the wrong structure can kill your profit)

• How to structure partnerships and operating agreements so low-credit partners don’t tank your loan

• Why he prefers buying land in cash or private money, then stacking a construction loan

• How his fund blends institutional capital with investor money for higher cash-on-cash returns

Connect with Julian:
Deals & land leads: deals@jvpv.com
Fund info: julian@dealfunding360.com

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with investors, builders, and private lenders who want smarter DSCR loans, better construction terms, and safer returns on their capital.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

🔌 PLUG IN & SUBSCRIBE 🔌
Instagram: / @edgartheconnector

► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated.