The Progressive Property Podcast

There are more millionaires made in times of financial crisis than at any other time and today Rob interviews the impressive Fi Crossley, who secured 26 properties over lockdown, testament to how knowledge, hard work and leverage can bring you success no matter what situation you find yourself in.   KEY TAKEAWAYS   Fi firstly thanks the great mentorship she has received from Rob and Mark, they have really helped her accelerate her success and given her the tools to accelerate her growth and success in the property world. Fi managed to secure these 26 properties by knowing what she wanted and then going out and getting it! She did loads of viewings, offers and finance. She then found after some time people were coming to her with offers due to her background and reputation. Buying a housing portfolio means you can achieve more in just one acquisition, you don’t have to buy each property one by one. Acquiring these 26 properties was not without its challenges, especially in the first lockdown when Fi was anxious about her family as well as her tenants and was juggling so many different things, it was a very uncertain time for all. Despite this, Fi believes you need to be grateful for what you do have and ask for help, she is very thankful for the support she received, from her family and from her mentors Rob and Mark. Those further ahead in the journey than you can give you valuable advice. Fi knew when she left school that she wanted to be in property, she self-taught her all of the things she needed to get started on the journey to financial freedom. She then got to a point after having her daughter where she knew she wanted to grow and wanted to do it faster and more effectively. She needed some advice and support to take the next step and this is where Progressive Property came in. Fi and her sisters work together in property, they are sisters, best friends and business partners. Fi taught her sister how to become financially free like her and they make an incredible team.    BEST MOMENTS   “We just went for it, we just thought come on we can do this, really have the belief we can do this and we were so grateful for the opportunity”   “We used some of our own money, our own properties, a bit of investor money so we got it from here and there in a few ways”   “Do the things you love to do and be so grateful for the help you’ve got” “I’ve invested in me which has paid back 50 times already in one year”   “Go for anything that makes you happy”       VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Are you looking for some more information on the property industry and how you can become a successful property investor? Join property investment expert Kevin as he answers all your property dilemmas. Discover the importance of protecting your money, why your most valuable asset is your knowledge and the benefits of having a private investor.   KEY TAKEAWAYS If you are in an area outside of ‘Article 4’ then a property with 5 or more people requires you to have an HMO licence but if it is a house with 4 people, then it is classed as an unlicensed HMO. However, whilst it might not be required to be registered, you have got a duty of care to your tenants. You need to make sure that you keep your tenants safe by ensuring that the property has all the correct safety regulations.   It is so important when lending money that you are careful around making sure you have security around protecting your money. If you are borrowing money, it is easier to borrow all the money you need rather than a little bit of what you need.   Do not pedestalize your money, pedestalize your knowledge. Wealthy people spend their money trying to save time whilst poor people pedestalize the money. The most valuable asset you have is your knowledge and your time.   Many private investors will lend you 100% of the value of the property. They lend this money as a ‘first charge’ for security. This means that you have to pay back the investor otherwise they are able to take possession of the house, in the same way that a mortgage company can take away the house if you fail to pay the mortgage.   A private investor will loan you the full amount for the property and you will then refurbish the property and refinance the property under a traditional buy to let mortgage. You will then pay the investor back along with their interest and you can continue with the buy to let.   If you purchase a property in your own name, you will have to wait 6 months before you can refinance the property even if you are a cash buyer. If you buy a property within a LTD company you do not need to wait 6 months to refinance the property so long as you buy in cash. There are a lot of lenders out there that will lend to companies with SPV’s.    BEST MOMENTS “It is dangerous to listen to people who do not know what they’re doing.” “ This is why it is so important to get educated.” “They want to make sure that they get that deal done.” “Wealthy people spend their money trying to save time.” “Property investors are not with high street banks.”     VALUABLE RESOURCES   https://www.progressiveproperty.co.uk   https://kevinmcdonnell.co.uk       ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.       CONTACT METHOD       https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/        progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Today Kevin has two very special guests, Vito and Daniella a father and daughter duo, who reveal all about their property journey!   They talk about how they got started, especially the value they found from attending Progressive courses and being mentored. They also discuss mindset, the tips that worked for them, the great success they have already had and their big plans for the future.   KEY TAKEAWAYS   Vito was an estate agent for 25 years including having his own practice for 17 of those them. He sold his business and after attending his first progressive course decided to start his own property business. Daniella has a background in the hospitality industry which she then decided to use alongside her Dad Vito’s expertise to form a super family duo in the property world! Having such an extensive background in the estate agency world, Vito expected to really know all about property. But after attending a progressive event in 2020 he was amazed at the things he learnt, it truly opened his mind and kick started his next steps, including further courses and mentoring with the progressive family. Vito and Daniella discussed various property strategies and decided to go down the serviced accommodation route. Daniella had a wealth of experience so although she was hesitant at first, she ultimately decided to utilise her knowledge and agreed on this way forward with her Dad Vito. When speaking to agents, be yourself, tell them what your goals are and be transparent. Let them understand what you are trying to achieve and the deals will come. You will get no’s, but you only need a few yes’s for success! As with any business, working relationships are key. Always bear this in mind when speaking to people for the first time. Even if you don’t strike a deal the first time, they might have what you are looking for down the line. You want to be the first person in their mind when they see something that would work for you. The business is already in profit, how many other business ventures would you expect to be making a profit so early on in the journey? It’s incredible. Vito and Daniella are now focusing on serviced accommodation management, finding investors and growing as much as they can. They have big plans for the future including bringing in aspects from the hotel industry into SA accommodation, such as loyalty schemes. Vito says one of his biggest challenges before starting this venture was mindset, this as well as the vast knowledge and education he got from attending progressive courses and being mentored was invaluable. He attributes a lot of his success down to working with progressive.      BEST MOMENTS   “I was always on the other side”   “The stars aligned and we decided to work together”   “Every mentor we spoke to said you’ve got the education but you have to take the actions”   “You really have to push yourself”   “We couldn’t have started what we have without progressive”       VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

If you’re looking to get your property questions answered, then you have come to the right place. Join property expert Kevin as he answers all your burning questions and offers invaluable property information to those of you that need it. Today, Kevin discusses what to look for in a property, how to make property work in your local area and how to legally reduce your tax bill.   KEY TAKEAWAYS Everyone wants to invest somewhere else, they all believe that the grass is greener somewhere else. The reality is that property works where you are. Single let or buy to let may not work but there are strategies that will.   As property investors you are looking for value. There are strategies that work in every area. If you are in an area where there are only expensive properties, don’t panic as this usually means that the rental value of the room or property is higher.   Professional property investors possess the ability to make money in any market. The market may be going up, staying the same or going down and professionals will still be able to make money because they are buying value.   Property is a business and the bigger the business, the higher the tax bill. Do not worry about large tax bills as long as you have large profits too. When you are making money you need to contact a tax specialist who can help you reduce your tax bill in a legal way. There are many things you can offset as tax that you do not yet realise.   If you are running properties as serviced accommodation, section 24 does not apply to you. Meaning you can offset part of your mortgage as well as also applying for ‘capital allowances’. Capital allowances is tax free money up to a certain amount of the property value.    BEST MOMENTS “Cheap does not necessarily mean valuable, cheap means cheap.” “A phenomenal strategy in an expensive area.” “It is about understanding business and property is a business.” “If I am paying £1million a year tax, then how much money am I making?”   VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

The property industry is booming and there has never been a better time to invest than now. Kevin is joined by Mary and Andrew who share their story of how they managed to build up a hugely successful property business whilst working their full time jobs as Architects. Together they discuss how to handle your first deal, how anyone with a full time job can build their property business if they learn how to maximise their time and why networking events are vital to building your property business.   KEY TAKEAWAYS Rent to serviced accommodation is where you take control of somebody else's property and you give them either a guaranteed rent or a profit share on that yield. You then run the property on either a HMO (House of multiple occupancy) basis, single let basis or a single let basis.   The first deal is going to be the hardest one you will ever have to do. You have to be on point. It may take a lot of perseverance to secure your first deal. As soon as you get your first deal you may even find that the other deals come rolling in. You have to open the door and as soon as you open that door, you become more confident about selling yourself and your brand.   Anyone with a full time job can absolutely get into property at the same time. There has to be some understanding that it may not be as quick as if you were full time into property. All you should focus on is doing one thing everyday that moves the business forward. As long as you have done that you are a step further ahead than you were before.   Getting into property whilst maintaining a full time job does not mean that you have to put in copious amounts of hours every day. Learn how to maximise your time, perhaps by focusing on your property business in your lunch break or maybe being more effective in your day job so that you can free up more time to visit estate agents or push your property business forward.   Property is not easy and there is a lot to learn and a lot to systemise. Start to systematise a lot of what you do look into hiring a VA who can do a lot of your day to day admin or property management work. Try to ensure that your key focus is on things that only you can do that you can do in your spare time.   Quite often it is the people you meet that are the most important. Never underestimate who you meet or where you meet them. Sometimes relationships take time to build throughout your property career you should continue to make new relationships and grow them.   BEST MOMENTS “It took a lot of perseverance.” “You’ve got to believe  in yourself.” “It is not about slogging five hours every night, it is about finding that one thing you can do and maximising your time.” “We knew that there is always a different way and if you are confident enough you can go and do something else.”   VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.      CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Are you looking for a joint venture partner but don’t know where to start? Join Rob as he delivers his 7 step tried and tested model for raising finance and finding JV partners. Rob discusses where you need to go in order to network and meet possible JV partners, why it is imperative that you always believe in yourself and the difference between fair and unfair exchange.   KEY TAKEAWAYS   The better the deal, the more likely it is that the money will find its way to you. You need to go to the places where the money is. You have to go where the money is and go to the high end venues. This step is a continual thing,   Connect with people and get their contact information. A big mistake people often make is by pitching people straight away, that is a mistake (unless it is a pitch environment). The goal is always to connect with someone because you want to build a relationship with someone outside of the environment that you met them.      If you don’t believe in yourself why should anyone else? There are two ways to get belief in yourself: Experience and your self belief. Even though you may have some reservations about things going wrong, always know that if this happens, you will do your best to fix it. As long as you know that about yourself, you can go in and get a deal done.   Fair exchange is the balance between fair service and fair profit, it is the balance between the fair division of roles and responsibility, If you charge too much and deliver too little that is unfair exchange. If you have ever felt that people have been taking too much from you for what you are being paid, that is an unfair exchange and the way to get rid of that emotion is to charge more.   The way you should always try and get to the discussion about money and potential deals is to get them to make the first move. It may be a little bit of ‘financial flirting’ by trying to talk about potential deals you have lined up. Try your best not to go in and instantly talk about business, try to make them come to you. Usually you can gently move the conversation towards property and business in order for them to make a move.     BEST MOMENTS “Nobody wants to be pitched to at a golf club or a flying club, that is where you meet them.” “Whatever you think he saw in me, you have in you.” “The biggest barrier is believing you can do it.” VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter https://robmoore.com/podbooks     ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur”   “If you don't risk anything, you risk everything”   CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

The property industry is booming in the UK and there is no better time to start investing than today. Kevin is joined by yet another one of Progressive Property’s success stories Sam, who has gone from strength to strength in the HMO area of property investing. Together they discuss finding the right refurb team, investment opportunities and why investing on your doorstep is beneficial.   KEY TAKEAWAYS   If you are starting out in property and looking to create a reliable refurb team, a great tip would is to always ensure you are open and honest with people. If you do not like something, don’t be afraid to say. When you are starting a refurb always make sure you get some good quotes from experts, don’t go for the cheapest.   You need to find a professional building company rather than a ‘cash in hand’ or ‘day rate’ kind of builder. Whilst they may initially seem cheaper you may find that the invoices keep appearing and the costs begin to add up.   There seems to be a really good scope in turning properties further away from town into HMO’s, tenant the properties and then selling them on. There are quite a lot of out of town investors paying top end prices for tenanted properties.   People seem to be paying over the odds for student properties close to university campus’. The issue with student properties is that they have to be ready by January as this is when term time begins.   There is always a property technique that will work on your doorstep, whether that be student accomoddation/HMO’s, flipping properties or rent to rent. It is highly recommended to invest close to home as it makes it easier and quicker for you to attend to the property whenever you need to do so.   BEST MOMENTS “If it smells bad, that's the smell of cash.” “Work with good builders, clear prices and clear structure.” “I’d rather do something on my doorstep.”   VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/  progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

An inspiring guest joins Kevin today, one who faced many hardships when the 2008 financial crisis hit the property industry. Gavin Gallagher joins Kevin to discuss how he was affected by the recessions, lessons he learnt and how he aims to use his story to inspire others of what not to do. Together they discuss trials and tribulations of family businesses, why it is important to not build your identity around your financial success and how the worst advice you can take in property would be ‘go big or go home.’ KEY TAKEAWAYS Getting into a family business can be complicated. There is usually a lot of politics involved and it is not always easy. When you are young going into business, you may not realise it but you don’t have a clue how business works.   When you find yourself in a situation where you have success after success you may find yourself getting complacent. You start to forget that it shouldn’t be that easy to make money, you have to have discipline.   If you notice that business is declining, you are likely to go through a phase of complete denial. The biggest mistake you can make is to sit back and weather the storm. You should be acting quickly to rectify the situation, reducing your outgoings and taking cuts. There should come a point where you realise that you need to make adjustments, by this stage the adjustments are going to be painful.   You mustn’t build your identity around financial success. If you run into difficulties, it completely shocks your whole world. If or when business begins to slow down and you find yourself in financial trouble, suddenly all of the material things can get stripped away. If your identity is built on something that cannot be stripped away then it is an awful lot more powerful.   Many people wish to get into property investment but you first need to understand whether or not it is good for you. Check your skillset first before entering the industry. You have to be able to free up the time to be able to follow through with a deal. You have got to have the mindset and a small network of people that will help you add value to properties.   The worst advice you could ever listen to would be in property investment would be “go big or go home”. That is the kind of advice that sinks ships. You have got to be more careful and understand that this is a cyclical market that goes up and down.   Think about the four E’s. Your ego and your emotions are two things that can sink your ship. Your ego can get too big and your emotions can get involved allowing you to get lost in a deal. Then there is the Economy and Events. The economics of today is not necessarily what they’re going to be in a year. Unanticipated events such as Covid-19 has huge effects on the world economy as well as the property industry.   BEST MOMENTS “I had what was called ‘normalcy bias.” “ When you start making money so quickly you begin to quickly think ‘how can I spend it?’” “It was like death by a thousand cuts.” “That is a really difficult thing to accept.” “Start with the end in mind.”   VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/   ABOUT THE GUEST Gavin has been a property investor and developer for over twenty years. He has experienced two major recessions and has a feeling we are about to enter a third. Gavin got caught badly in the 2008 Global Financial Crisis and spent the better part of a decade in damage control and paying off debt. The collateral damage from being careless and over-leveraged taught Gavin some powerful and often painful lessons. Today he is motivated to share these experiences with others in the hope he can elevate their game, shape their investing habits and help avoid some of the mistakes he made.   Contact: Instagram @gavinjgallagher  Website:  https://www.gavinjgallagher.com Twitter:   @gavinjgallagher  progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

With the economy about to take a nosedive, many people are left wondering what does that mean for them? And how can they increase their income? Join Kevin today as he is joined by yet another one of  Progressive Property’s success stories Lidia who after attending her first event 18 months ago has gone from strength to strength in the industry. Together they discuss how to correctly converse with estate agents, how it is important to grow your mindset before chasing the money and how you don’t always need your own money to invest in property.   KEY TAKEAWAYS A lot of people who are looking to get into property are new to the industry. Many of them will believe that estate agents are professionals and will always know exactly what they are doing. Whilst estate agents know how to sell a house, they might not be able to spot an investment property. Many estate agents turn to Progressive Property to learn how to invest in properties.   You should never be scared to talk to an Estate Agent, they are normal people just like you. You need to learn how to build up a relationship with them and make them feel comfortable around you. When you are not comfortable and are nervous, the agents can feel it themselves too.   You don’t need your own money to invest in property and to make a property business. Attending events at Progressive Property can teach you about raising investment funds, securing joint venture partnerships and learning no money down strategies that you may not even know exist.   What many people do in the first few weeks of their property journey is they chase the money straight away. What they should be doing is using those first few weeks to build the confidence, mindset and the belief that you can achieve. Don’t base your success on the keys of a house, base your success on the amount you’re growing as a person.   The VIP programme does not just offer the nitty gritty details of the property industry. The VIP programme offers the ability for you to grow your mindset, resilience, confidence level and your people skills. You also have the opportunity to grow your network massively which can help you with potential JV partnerships. BEST MOMENTS “I could not tell which property was a great investment.” “We realised that actually we knew nothing about money.” “We came across progressive and things have changed for us.”   VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Discover today how one man went from amatuer to professional property investor overnight! Kevin is joined by Ranjit, just one of Progressive Property’s many success stories. Ranjit shares his journey to success using the VIP programme and together they discuss how slow and steady wins the race, the benefits of the VIP programme and how you should always remember to enjoy the journey.   KEY TAKEAWAYS Many people go into property thinking they are going to get rich quickly, however this is not that case and many people soon realise that. When the deals are there the money will come, slow and steady every little bit helps.   In the VIP programme at Progressive Property, you will receive one to one mentoring. As well as this you can attend a ‘deal clinic’ meaning you can go on stage and share about a property deal you have got and all the other members of the VIP programme can give you advice on how to go forward with that deal. They can also offer funding for that property deal and enter a JV partnership with you.   The sweet spot for HMOs in 4-6 bedrooms. Anymore than this then you start getting into planning permission requirements. When you go into 7+ bedrooms, professionals do not necessarily want to live there. It is likely that a HMo with more than 7 bedrooms will attract a lower demographic tenant type.   The knowledge you gain on the VIP programmes is invaluable. Having the education behind you ensures that you will avoid making costly mistakes. You will also have the opportunity to make long lasting friends who can help and advise you along your property journey. Whist free education is good, there comes a time where paying for it will give you a huge advantage in your industry. You can either pay for it and learn from the mistakes of others, or learn from your own mistakes by going it alone.   Life has its ups and downs, there could be a grand opportunity right around the corner. Do small but high quality projects, often and you will get results. Make sure to enjoy the journey along the way with your business partner and those who you meet along the way.   Learn the basics slowly, take a bit of time to learn the basics so you have a good grounding before you decide to jump straight into it. Focus on one thing and do that really well. That focus will help you reach your goals. There will always be something that appears to be bigger and better, avoid that distraction and focus on one thing at a time.   BEST MOMENTS “I had never heard of HMO’s, but I soon realised that I had lived in one.” “At VIP you get mentored one to one.” “Get as much free education as you can, but there comes a point where you have got to pay your cost of entry.” “At the pace of the tortoise not the hare.”     Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   ABOUT THE HOST   Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     CONTACT METHOD   https://www.facebook.com/kevinMcDonnellProperty/   https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/