Uncommon Estate of Mind

Hosted by Uncommon Network

Business Investing Education

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Aug 2025

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Do you have to own a business to get started in real estate? Do you make enough money to get skin in the property game? Do you need a license to start your investment side hustle? These are the questions that Joey and A.D. are here to answer for you on Uncommon Estate of Mind. Join these two lifelong friends who’ve been in business together since childhood as they open up about their losses and share their successes from what they’ve learned in the real estate game. We’re talking short term rentals to multi-family investments; debating ways to leverage your income as well as business credit and how to create that time freedom and generational wealth that everyone is raving about. It’s all good and it’s all up for grabs on Uncommon Estate of Mind where these two men from LA network with industry leaders and bring the knowledge on how you can jumpstart your extraordinary entrepreneurial & investment path. Whatever you choose to be, be uncommon.

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50 recent

August 13, 20257 min

Talk Like an Investor: Real Estate Lingo You Need to Know

Want to sound like a seasoned real estate investor—even if you’re just getting started? In this episode of Uncommon Estate of Mind, we’re cutting the fluff and breaking down the essential real estate terms you actually need to know before buying your first 2–4 unit multifamily property.Whether you’re aiming for a duplex, triplex, or fourplex, we cover the key concepts that will help you walk into any conversation with a lender, agent, or seller and sound like you belong.You’ll learn:✅ What counts as a multifamily property (and why 2–4 units is the sweet spot for beginners)✅ How owner-occupied loans like FHA (3.5% down) and conventional (5% down) can help you get started✅ The real meaning behind LTV (Loan-to-Value) and DTI (Debt-to-Income) ratios✅ The basics of gross rent, NOI (Net Operating Income), and cash flow✅ Why CapEx can make or break your investment if you’re not prepared✅ How to calculate your cash-on-cash return and break-even point like a pro✅ Smart budgeting tips to avoid getting caught off guard after you closeIf you’re serious about building generational wealth through house hacking and multifamily investing, this episode is your starter pack.Resources:📘 Get The 5-Year Plan – Your step-by-step guide to buying your first 2–4 unit property and building a portfolio fastFREE guide to buying your first property with little money down: 5-Year Wealth Starter Kit Learn how to fund your business using personal credit: Fund and GrowDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon InstagramYouTubeinfo@uncommonestateofmind.comConnect with Joey Garba:InstagramConnect with Ademola Dawodu:Instagram Personal 

May 1, 202521 min

Trump, Tariffs, and Turbulence: How Shifting Policies Are Shaping the Market

In this episode, we unpack the latest wave of economic disruption tied to Donald Trump’s return to the policy spotlight. From sweeping tariffs on imports to conflicting signals on inflation and interest rates, we break down how these rapid shifts are injecting new levels of volatility into the economy—and what it all means for real estate investors trying to plan their next move. Thinking about jumping in—or already knee-deep in the game? Either way, this kind of political turbulence hits everybody’s pockets different, and we’re breaking down how.Resources:FREE guide to buying your first property with little money down:Get the 5-Year Wealth Starter Kit 👉🏾 https://adtheflyrealtor.gumroad.com/l/opeeu?_gl=1*1jnkn4q*_ga*MTQxNjMxOTI4Ny4xNzQ1NjkxOTgx*_ga_6LJN6D94N6*MTc0NTc5NTkzMS42LjEuMTc0NTc5NTkzMi4wLjAuMA..Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofmindinfo@uncommonestateofmind.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

March 18, 202548 min

Building Legacy: Mariah Dodson Develops a 40-Acre Wellness & Community Space

In this powerful episode of Uncommon Estate of Mind, we sit down with Mariah Aleah, a visionary leader who is redefining what it means to build generational wealth, healing spaces, and community. Mariah is on a mission to break cycles and create a 40-acre wellness ranch and family compound in Southern California—one that honors her ancestors, fosters self-sufficiency, and provides a sanctuary for those seeking true connection and restoration.We dive deep into her journey from vision to execution, discussing the challenges, triumphs, and financial strategies that made this dream a reality. How did she fund this massive undertaking? What does it mean to create a legacy beyond just financial wealth? And how can others take steps toward reclaiming land and space for their own communities?If you’re passionate about ownership, community, and generational impact, this episode is for you. Tap in and get inspired—because the blueprint for legacy starts here!Resources:Connect with Mariah Dodson:https://evolutionofhealing.com/https://linktr.ee/MariahAleah?utm_source=linktree_profile_share&ltsid=c1794736-43be-4711-8034-f6dd12a5305fhttps://www.instagram.com/mariahaleah_?igsh=NTc4MTIwNjQ2YQ==Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofmindinfo@uncommonestateofmind.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

March 4, 202533 min

Trump’s Tariffs: Who Wins, Who Loses, and What It Means for You

Trump’s latest round of tariffs has sparked heated debate—some say they’re protecting American jobs, while others argue they’re driving up costs for everyday people. But who really benefits, and who’s left footing the bill?In this episode, we break down the real impact of Trump’s tariffs on American citizens, businesses, and the real estate market. Are these policies strengthening the economy or making homeownership even more out of reach? We’ll explore how tariffs are affecting construction costs, housing affordability, and even job opportunities.Whether you’re an investor, a homebuyer, or just trying to keep up with rising prices, this discussion will help you understand what’s really at stake. Tune in as we debate the winners, the losers, and what this means for your financial future!Resources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofmindinfo@uncommonestateofmind.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

February 7, 202545 min

The Palisades Fire and LA Real Estate: What New Investors Need to Know

The Palisades Fire is yet another reminder of California’s ongoing battle with wildfires, but will it actually change the future of Los Angeles real estate? In this episode of Uncommon Estate of Mind, A.D. and Joey debate the long-term impact of wildfires on investing in LA. A.D. argues that while devastating, fires won’t shake California’s real estate market in a meaningful way, while Joey takes the stance that increased fire risk will drive investors away and reshape the market. Will rising insurance costs, stricter building regulations, and climate concerns deter buyers—or is LA real estate simply too resilient? Tune in as we break it all down!Resources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofminduncommonestateofmind@gmail.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

January 16, 202522 min

Goals that Get Results: Plan, Measure, and Achieve Success in 2025

As the new year kicks off, many of us are thinking about setting resolutions and tackling fresh challenges. In this episode, we go beyond the usual goal-setting chatter to explore what it really takes to follow through and achieve success. From identifying the most measurable goals to adopting a results-driven mindset, we share practical strategies to help you make meaningful progress in 2025. Join us for a conversation that will inspire you to think bigger, act smarter, and stay on track for your best year yet.Resources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofminduncommonestateofmind@gmail.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

November 20, 202419 min

Cash vs. Loans: Should You Pay More Upfront or Leverage Financing?

Is it better to buy a property in full cash, put down a hefty down payment, or leverage financing with as little cash as possible? In this episode of Uncommon Estate of Mind, we explore the benefits and trade-offs of each strategy. From reducing monthly expenses and avoiding debt to maximizing returns through leveraging, this debate highlights how different approaches to cash allocation can impact your real estate goals and overall wealth-building strategy.Whether you’re looking for your first deal or have a few under your belt, this episode is sure to get your wheels turning and help you strategize your next move in real estate!Resources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofminduncommonestateofmind@gmail.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

November 5, 202433 min

Why Black Men’s Votes Are Up for Grabs: The Untold Perspective

In this episode of Uncommon Estate of Mind, Joey and A.D. take a deep dive into why Black men in America are increasingly distancing themselves from both political parties. Sparked by recent comments from Barack Obama, this conversation explores the unique frustrations, challenges, and perspectives that shape the political choices of Black men—voices that are too often overshadowed by mainstream narratives. Through a raw and insightful discussion, they highlight what’s truly driving the political disengagement and why it’s critical to hear directly from Black men on these issues.Resources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofminduncommonestateofmind@gmail.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

October 23, 202447 min

Real Estate Legal Strategies with Attorney Bishoy Habib

In this episode of Uncommon Estate of Mind, we sit down with real estate attorney and investor Bishoy Habib to uncover key legal strategies that can protect and propel your real estate investments. We dive into the intricacies of land trusts and explore why beginning investors might want to consider using them for asset protection and anonymity. Bishoy also walks us through the benefits, limitations, and real-life applications of creative financing, shedding light on owner financing and other methods that have helped him close deals.We discuss the critical steps every investor should take to safeguard their assets, compare LLCs to land trusts for legal protection, and when it’s essential to hire outside counsel. Whether you’re wondering how to choose the right attorney or avoid common legal pitfalls in real estate transactions, this episode is packed with actionable advice for investors at any level.Tune in to learn how to balance growth with legal protection, avoid red flags in deals, and navigate the cost of legal services as you scale your real estate portfolio.**some audio was distorted so some questions were re-recorded after the interviewResources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Get in touch with Bishoy here:IG, Youtube, Ticktok: ⁠@attorneybishoyLaw Firm: https://levacylegal.com/Brokerage: https://capstarfl.com/about-usConnect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofminduncommonestateofmind@gmail.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor

September 26, 202429 min

40-Year Mortgages: Affordable Dream or Long-Term Trap?

In this episode of Uncommon Estate of Mind, we dive into the debate surrounding 40-year mortgages. Are they a game-changer for homebuyers looking to lower their monthly payments, or do the long-term costs outweigh the short-term savings? We explore the impact of these extended mortgages on both investors and owner-occupants, examining how they affect interest costs, equity-building, and long-term financial planning. Whether you're a first-time homebuyer, seasoned investor, or considering using a 40-year mortgage to expand your portfolio, this episode offers valuable insights to help you make informed real estate decisions. Tune in for strategies that could shape your financial future!Resources:Fund and Grow - https://www.fundandgrow.com/webinar-registration?ref=joeygarba&session=ondemandDisclaimer: This Video/Audio and description contains affiliate links, when you sign up using an affiliate link, we earn a small commission. This comes directly from the company and does not affect you in any way.Connect with Uncommon https://www.instagram.com/uncommonestateofmind/YouTube: https://www.youtube.com/@uncommonestateofminduncommonestateofmind@gmail.comConnect with Joey Garba:Instagram - https://www.instagram.com/mrjmaze/Connect with Ademola Dawodu:Instagram - https://www.instagram.com/adtheflyrealtor/Personal - https://linktr.ee/adtherealtor