Associates,
If you missed the live wealth call with Jorge, here’s the short version: he built a 32-property portfolio in under two years, starting with almost nothing. No trust fund. No W-2 income. No real estate license.
Now... If this newsletter brings you any value whatsoever, please consider sharing it with every human you have ever seen or heard of.
Let's get into it.
HELPFUL LINKS
From Breakdancing to Closing Deals
Before Jorge Hernandez became a hugely successful real estate entrepreneur, he spent years traveling the world as a missionary and professional breakdancer.
He performed, shared his story, and spread the gospel to people all over the globe.
He didn’t start with money, bankable tax returns, or connections.
His journey into real estate began with his first house—a purchase made possible largely by funds that were given to him, as well as personal savings.
While traveling, he rented out the upstairs to some friends.
When he returned, he renovated the basement and rented that out, too.
On his next trip, he rented out the upstairs again.
All of a sudden, this single property was producing two income streams.
He was hooked.
From $3,000 to 30 Deals in Less than 2 Years
In 2017, Jorge convinced a seller to finance a distressed property for just $3,000 down and $92 per month.
The $80,000 renovation? Paid for entirely with a credit card. After doing much of the repair work himself, he refinanced the property tax-free and rented it out.
That’s when he asked himself: “What if I did ten of these?”
Within around 1 year and 8 months, Jorge had acquired or developed more than 32 rental units—with next to no traditional bank financing and no steady W2 paycheck.
Just creative financing, discipline, and relentless execution.
He didn’t wait for the bank to say yes—he figured out what it would take for them to say yes and built it by cutting hair and driving Uber to show enough 1099 income to qualify for loans.
Defining Freedom: Tactical Clarity
Before diving into deals, Jorge teaches his students one critical step: define your goals.
What kind of life are you trying to fund?
What does it cost?
How can real estate get you there?
He calls this the “Burn Everything to the Ground” exercise—a tactical framework every serious investor should go through to reverse-engineer freedom with precision.
Check out that link; I have written extensively about how this exercise will change your life and help you craft a vision that gives you powerful motivation.
Manufacturing Appreciation: Value-Adding
Jorge doesn’t wait for market appreciation alone—he manufactures it.
How?
Primarily by converting basements into legal second units.
He finds the highest and best use for every property.
For Example:
- Purchase: 3 bedroom 1 bathroom house with an unfinished walk-out basement
- Value Add: Convert the basement into a 2 bedroom 1 bathroom apartment
- Result: 2 rentable units for increased cashflow
Same property.
Same market.
Better strategy.
Business Credit as Capital
Here is the thing.
Many entrepreneurs, credit game players, and investors understand the power of real estate.
Some others understand the power of learning how to play the credit game.
But few understand the synergy that can be created when you combine the two.
It is totally normal to spend $50,000.00 on a property renovation without breaking a sweat.
That is money that you would already be spending, right?
Why not:
Sign up for a credit card like the American Express Blue Business Plus...
Hit the minimum spending required to get the signup bonus with expenses you would have had anyway...
Redeem the points, miles, or cash back...
And Repeat?
That is exactly what Jorge does.
He uses business credit to do what most people think requires hard money or partners:
- funding rehabs
- covering carrying costs
- paying for personal development
- Traveling first class all over the world
...all while leveraging points, miles, cashback rewards, and 0% interest offers.
Today, he has over 70 business credit cards, and has accumulated millions of travel miles.
How?
Through pairing the points and miles game with real estate.
Another gold nugget for you:
Because business credit doesn’t appear on personal reports (except for capital one business cards!)...
Jorge has been able to scale his portfolio and multiple businesses aggressively––
...without damaging his personal score or debt-to-income ratio.
(This is a tactical insight that experienced real estate investors and business owners will truly appreciate)
Building More Than Wealth
After scaling his portfolio, Jorge recently made a deal on a 130-acre abandoned golf course for $500,000 (down from an asking price of $2 million).
His vision?
A boutique hotel, Airbnb rentals, a wedding venue, coffee shops, trails, and single-family homes with in-law suites.
He’s not just flipping houses or buying rentals—he’s building a town and raising the economic level of that entire Kansas City Area.
The System: Offers and Momentum
On the live call, Jorge shared a rule that HIS coach taught him:
“If you’re not making 10–12 offers a day, you’re not really in the game.”
You will never buy houses you don't make offers on.
Making offers consistently is the key.
Making offers often creates momentum.
Making offers, even if they were unlikely to be accepted, is how Jorge scaled so quickly without waiting for perfection.
Starting from Scratch? Here’s Your Stack:
- Watch the Replay: Set aside 1.5 hours to learn from the Wealth Call Replay Jorge’s live call—it’s packed with insights most real estate educators would charge you for.
- Get Clear on Your Target: Do the “Burn Everything to the Ground” exercise—define your ideal life costs and reverse-engineer your portfolio.
- Build or Repair Your Credit: Start with secured cards if needed; move into business credit once your foundation is solid. (LLCs, even single member ones help here)
- Stack Cash: One invaluable thing Jorge mentioned on the call is this: if you don't start setting aside money when you only have a little, you won't when you have more income either. its a behavior pattern. store up some dry powder for when the right deal comes along!
- Start looking at properties: Talk with a realtor, and request to be emailed properties daily that meet your criteria. Special tip: look for properties with sellers that will consider creative strategies like owner financing; they are out there!
Closing Thought
Even though his has millions worth of real estate in his portfolio, Jorge is always looking to rent out his basement!
On the call, he said:
“I don’t care how much money you make—if someone else can pay your mortgage, why wouldn’t you let them?”
Take this tactic and run with it: Turn every property (especially the one you live in) into a cash-flowing asset.
Realize this:
Jorge’s story isn’t just about real estate—it’s about creating freedom when you don’t fit the mold.
You don’t need better timing or a bigger paycheck—you need a strategy that matches your ambition, and that helps you achieve your goals.
Let’s build some assets.
Talk soon,
-Jonathan
P.S.
Here is that link again to Watch the Replay.
P.P.S.
If you have specific questions about real estate, finance, and the pursuit of financial abundance, it would mean the world to me if you would hit "reply" and send those questions over! I would love to write a newsletter specifically to answer your questions!
Thanks!
I have learned a lot about finances, how to buy my first home, mortgages, savings, and growing my assets. I have also learned a lot about the importance of having a group of men by your side whenever you need them!
Riley Vernon - Associate Community Member
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