Keith gets to interview one of his earliest mentors in the real estate game, Larry Goins of The Goins Group and author of Ultimate Buying and Selling Machine and Getting Started in Real Estate Day Trading. Larry takes us into his own life’s journey towards becoming a real estate investor, sharing great nuggets from the things he learned along the way. Getting into the more technical stuff, Larry talks about the different ways to find properties and how he uses internet marketing techniques to real estate. He also gets into day trade real estate, buying and selling houses like HUD, and the latest deals he made.
Listen to the podcast here:
Larry Goins on Buying And Selling Using Internet Marketing Techniques
I am grateful to have the pleasure of speaking with one of my earliest mentors in the real estate game. He’s one of the first people that I found, began reading and listening to, bought his product and watched him over the years as he tweaked his investing style. I was fortunate enough to run into him at a few industry events and get to talk to him one-on-one. He and I have done some interview swaps for our podcasts. Ladies and Gentlemen, I’m talking about the one and only, Larry Goins. Let’s get right back down to the brass tacks and get straight.
Lender Nation, I have the very distinct honor to introduce you to Mr. Larry Goins. Larry, welcome to the Private Lender Podcast.
How you’ve been?
I’ve been good. I’ve been having a blessed life, living the dream as they say. How about yourself?
I’m having fun and making money. I’m always on vacation. When I’m doing real estate, I’m on vacation. I’ve already bought two houses.
Let’s jump right into that. What deals are they? What’s your exit strategy? How’d you find them and all that stuff?
These two came from direct mail. I do a lot of direct mail. I do about 25,000 pieces a month. I’m getting ready to bump that up to another 12,500 so 37,500 pieces per month are what I’m going to be mailing. We’re doing five, ten, fifteen deals a month. We took the entire month of December off from direct mail. We did $88,000 in wholesale fees. We do a lot of wholesaling. That’s going to be my exit strategy. That’s primarily what I do. I do some seller financing and some lease option deals. I’m telling everybody stash cash for the crash.
A 100 years ago, I signed up for a gentleman’s newsletter, but this gentleman’s name was Larry Goins. This newsletter came to me in the mailbox once a month. I have my Ultimate Buying and Selling Machine. That’s the first piece of education I ever bought was from Larry Goins.
That was the original course that was based on this book.
It was a soup to nuts of how to bandit signs, direct mail, slap a magnet on your car or talk to everybody.
Have a scrolling name tag.
I remember that scroll. You even gave the website where you can order it. I remember that. There’s a bit of history here. I’m honored to have you on the show and thanks for coming on. You’ve got an encyclopedia’s worth of knowledge. I’m only going to try to keep to a few points because otherwise, this is a six-hour interview. We both lose out on other business and other deals.
I’ll come back anytime you want me.
One of the first lessons in negotiating is always making it seem like it's more important to them than it is to you.
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I remember at a boot camp I went to of yours years ago by a Bush Intercontinental Airport here in Houston. You made the statement that you had a PhD. I remember the public high school diploma.
It’s a South Carolina PhD. You’re not from South Carolina, so you got to say it right. I have a South Carolina PhD, that’s a public high school diploma.
How did you get into real estate? You’re thriving at it, but I’m sure at a time that there was an idea. Take us back.
I saw an infomercial. Do you remember Tom Vu? He had infomercials back in the ‘80s. You can Google it and you can find them on YouTube. He’s this guy who came from Vietnam or somewhere. He had no money. His whole infomercial was him sitting on the deck of a yacht with all these girls around in bikinis saying, “If I can do it, so can you.” I went to the seminar. You know how a seminar business is. I went to the preview. I signed up for the three-day. My mom and I went. This was in the ‘80s. This was right after my dad had passed away. My dad passed away in 1985.
My mom and I got into it a little bit. She did a little bit, but not much. She was doing it for me to help me out. I got into it. I eventually got my real estate license. I eventually got my contractor’s license. I got into the mortgage business. Eventually, the mortgage industry had to be licensed. I had to get my license for my mortgage business. I’m out of that. I don’t do mortgages anymore except for hard money, private money loans. That’s all we do. We used to loan other people’s money, but we don’t even do that. We loan our own money. Not that we have hundreds of millions of dollars, but we’ve got a decent portfolio. My wife manages that. I’m not in it at all. In fact, she loans me money when I need money.
My partner, the first private loan I ever did him, he missed the first payment. It was two weeks later. I said, “What day is it?” He goes, “It’s the third.” I was like, “Yeah, what’s due?” Ever since then he gave it to his wife, she hasn’t missed a payment since. You used to lend out and whatnot. That’s something we briefly discuss and depending upon what state you’re in, you have to look at your laws.
We only lend in the Carolinas.
It’s little disclosure there. It is absolutely something you can do as a private lender. When I run out of money, I’m out of money. That’s it, my account gets tapped out as loaned out. I don’t make it a habit of borrowing other people’s money to loan out simply because of the way I look at it. If I’m going to preach I demand a first position lien, how can I expect someone to loan me money, not take the first position and to go back into it. You showed the day trading book. How do you day trade real estate?
It’s a fancy word for wholesaling. In this book, Getting Started In Real Estate Day Trading. It even says, Proven Techniques for Buying and Selling Houses the Same Day Using The Internet! Back in the ‘90s, I did my first deal. It was a virtual wholesale deal. I did this deal before the term virtual wholesaling was even coined or whatever. My very first deal, I got a call from some marketing, somebody was passing through. They own the house three hours away. They’d inherited it from their grandmother. I ended up offering them $2,500. They were asking $15,000. I’m a firm believer if you’re not embarrassed by your offer, it’s probably too high. You got to know how to say it though, so they don’t hang up on you.
If somebody is asking $15,000 and you offer them $2,500, you need to know a little bit about negotiating so they don’t hang up on you. Not only did she not hang up on me, but she also called me back a few days later. She said, “Larry, I need some money and I need it quick.” She said, “If you can give me my money by Friday, I’ll take $3,000.” This was on a Tuesday. One of the first lessons in negotiating is always making it seem like it’s more important to them than it is to you.
I happened to be at the drive-through at Wendy’s. I answered the phone. This is back whenever I took all the calls from my cell phone. I answered the phone and she said, “Larry, if you could give me $3,000 and I could have it by Friday, I’ll take it.” Now, I’m thinking, how in the world can I make it sound like it’s not important? I said, “Rochelle, hold on for a second.” Her name was Rochelle. I said, “Hold on for a second.” At that point, who was that call more important to? My most important thing was getting lunch. I came back to the phone and I said, “I’ll tell you what I’m going to do. You send me some pictures. If I like it, I’ll take it.” She sent me some pictures. This was way back. She had to get one of those little disposable cameras, send it to the tenant, take it back and get the tenants to take pictures. They mailed it to me. I had to take it over to CVS and get the film developed. That’s how long ago this was. You used to have this little box of a camera. You take it to CVS. This was back before Walgreens.
I ended up buying the property. I sent out some emails to some local realtors and I said, “I’ll take $18,000 for this house and I’ll pay a $3,000 real estate commission.” One realtor emailed me back because everybody else is like, “I’ll list it for you. I’ll send you a six-month listing agreement or a one year.” No, I didn’t want six months. I wanted to own it for six hours. One realtor emailed back and he said, “For $15,000, I’ll buy it myself.” About a week later, I get some paperwork in the mail with a deed, HUD closing state and the sign here. I put it in return FedEx. A couple of days later I’m looking at a check for $15,000. I’m like, “Wait a minute. I bought this house and I sold it.” I never met Rochelle. I never met the attorney. I never met the buyer who was a realtor. I did all my business back then by phone, fax, FedEx, email and internet. We’ve even eliminated FedEx and fax. I put all the details of how to do it. In fact, I updated it. This is the new revised edition where we talk about cold calling. We talk about text blasting, RVM, all the different stuff that you use to market for properties.
I was blown away at all the different options you have to market.
There are so many different ways. In that course that you have, The Ultimate Buying and Selling Machine, we have 67 different ways to find properties.
What blew me away was when I bought it, you said, “Here’s the CD, download this.” It was nothing but bookmarks that you already had for the browsers of, “You want to look at houses in this county, here you go. This state, boom. You need this document and go here.” Because of you, I know Upwork and Fiverr long before anybody even knew what they were. I use them in my day job and people are like, “How are you getting that done?” I said, “It’s my little secret.” You can Google search and in 0.2 seconds, you’re going to have every VA company. Back then you supplied it as part of your course.
Now, it’s common knowledge. What’s funny is what I did was I started getting into internet marketing and learning about internet marketing, all I did was take internet marketing techniques and related it over to real estate before anybody else. Everybody’s doing it.
You even told me like, “You put this big sticker on the back of your car and generated one lead for you.” I forget you put how much it costs, but how much you made for that lead. You had to drive around for three years. It’s $300 for some decals and you pulled $10,000.
I’ve always said I’d much rather have ten ways to find one deal than only one way to have to find ten.
At what point did you get introduced into private lenders and other people’s money?
That’s interesting because I’ve wholesaled a lot of stuff. I have never personally ever used private money other than my father-in-law. He’s got paid too. I’ve never utilized private money besides that. I borrowed hard money. I’ve always either done wholesaling stuff or finance stuff traditionally, either did lease options, wrap or something. I have been a hard money lender since the ‘90s. I started a company called Financial Help Services back in the ‘90s before you had to be licensed as a mortgage company. I would do traditional loans and hard money loans. We were doing a lot of business. I had this lady come to my office. She used to call on other lenders. She said, “There’s an investor group in town called Metrolina REIA.”
She said, “If I can get my foot in the door, I can get some hard money loans, would you like to start a hard money division?” She said, “By the way, have you ever heard of this group, Metrolina REIA?” I said, “It so happens I’m the president.” She came to work with me. After about six months, I gave her half the business because she grew our business so much. She eventually went out on her own. My wife went to work for her. She got out of the business for a while. She went out on her own. My wife went to work for. My wife doesn’t work there anymore. She manages our loans, which is not a full-time job for my wife. It’s not like we have hundreds of millions of dollars in loans. She might have $20,000, $30,000, $40,000 loans out at any given time. Some of them might be $50,000 loans. Some of them might be $500,000 loans.
Your wife does all the servicing on your behalf of the loans that you’ve put out?
She originates and processes the loan, sets up the closings and does all that. She doesn’t even advertise. She doesn’t want to. She doesn’t like it. She doesn’t want to go to any REIA groups, market and advertise. It’s when somebody calls her. I set up her website.
I was about to say this has got Larry Goins written all over it. You’re putting this poor woman through all types of labor and tribulations. It’s funny because when I started private lending, I wanted to know every detail, every nut and bolt of the process. I did everything from A to Z including taking the payments and all that stuff. I’d have no problem looking at borrower in the eye and say, “You’re going to pay $20 a month for a servicer because in January I’m not kicking out any 1098 or 1099. They handle all of it. I suggest people outsource that type of thing. You are bringing it in-house into your family. I love that though, let the wife work.
The good news is, truth be told, my wife doesn’t service it. I have two people in our accounting department. They handle that. They let my wife know what’s going on.
I know you’re a big fan of using people’s self-directed IRA. You’re no stranger to private money at all. You haven’t used it a whole lot.
Whenever you bid, three things can happen – you don't hear back, you get a counter, or you get an accepted offer.
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I bought my first house in 1986. I’m 58 years old. The very first deal that I ever did in 1986, I assumed an FHA non-qualifying assumable loan. They used to be years ago now they stopped those in 1978. There was a few of them around in the ‘80s left before they got paid off. The deal was if you own the house, you had an FHA loan and you wanted to sell that house, your buyer could fill out a one-page document and turn it into FHA. They didn’t pull your credit. They didn’t check your debt ratio. They didn’t do anything. They assumed that loan. You were released of any liability. That was my very first deal. It was an FHA non-qualifying assumable loan. I took over that loan and I rented that house out for three or four years. I eventually sold it on a wrap. I sold the note.
There’s a couple of exit strategies that you went through. Your first one was you assumed it. The closest thing we have is taking a property subject to the existing mortgage. It’s a little different. The banks can call it due. I found them, as long as banks are getting paid what they expect, they’re usually pretty tolerant of someone else paying the bill. In the ‘80s, when oil went to crap here in Houston and there was a lot of houses that sat empty on our street, in our neighborhood. A lot of the neighbors came in. There was one as a single mom and she said, “I assumed this note is the only way I could get in.” She was a secretary, had a young daughter and no credit. She didn’t have the down payment. She was able to stop paying rent for one month. On the first of the next, she walked into a house with keys. She owns it to this day. If FHA is reading, if you want to put those assumable loans back in, we would as real estate investors sure would appreciate it.
Do you know what caused them to stop that?
I remember my dad talking about it. I can’t tell you off the top of my head what stopped it.
What would happen would be investors were marketing to people with FHA loans. Investors would assume the loan. They didn’t have to put up their Social Security Number or anything. They didn’t have to qualify. They would collect the rents and not make the payments. It gave FHA and HUD, which is the same thing, a bad taste so they quit. They eliminated it for everybody. It was investors that ruined it for everyone, unfortunately.
If you want to ruin something, give it to a real estate investor or an internet marketer and we’ll kill it. It’s funny because when I started this whole thing, I told my wife, “It’s going to be teaching. It’s going to be on the video,” and I was wrong. I said, “I’m going to start the Private Lender Academy.” I was all gung-ho. Somebody sat me down and said, “You’re going into Internet marketing. You’re not used to this world.” The learning curve that I’ve gone through is I feel like I’ve got an MBA. I feel like I’ve got your South Carolina PhD.
We were big in education. At one time, we had 26 employees. I had a sales floor. They were selling courses, coaching and stuff. I had multiple books out, courses. I was traveling all around the country. We were making a few million dollars a year on the education side. There comes a time when what you want to do? It got so complicated with funnels, campaigns, promos, products and all that. We scaled way down. I don’t travel anymore. I do four of my own events a year in Charlotte, North Carolina. I used to do eight all over the country. I used to travel around and speak at REIA groups and stuff. I don’t do that anymore. I quit that. We do our own events. We do have people who get our books and stuff. We have one partner program. It’s not cheap.
They come in and they partner with me. I help them do their first three deals. Our goal is to get them three deals in 90 days. They got to spend some money on marketing and whatnot. That’s what we do. Even that is because you have people doing deals, I talked to two students because when you help somebody, you’re working with them and they’re getting results, that brings a whole another level of support, coaching and mentoring because “I got this seller, what do I do now?” Ours is a true partner program where we do partner with them. They get a third of their money back for each of their first three deals plus we split the balance and my half goes to charity.
I’m familiar with the model. That is a new twist with the charity. That’s one of the things that I’ve noticed over the years is I remember the first time I saw you were at a Rich Club meeting. You were everywhere. I caught up with you at the Quest Expo. You looked a lot more restful. You looked a lot calmer like, “All right, we’re going to do this. I’m not going to be torn in a million directions,” which is funny because I was sitting and thinking like, “I need to get to that stage of pulling my hair out, what little I have left so that I can make the decision, I’m not going to do it anymore.” I’m still on the rise.
That was one of the last expos that we attended. I go and I see people that I hadn’t seen in a while. I get to travel. We have dinner together and stuff. It’s a lot of fun because I’ve met a lot of people. I had a lot of friends like you from all over the country. I’m in a couple of masterminds and I enjoy those. I’m still in Collective Genius. I’m in another mastermind. I enjoy that.
Another distinction that I learned from you is that you buy houses, but you sell homes. I remember that. That’s always stuck in my head.
What has more value, a house or a home?
A home does.
It’s a house when you’re buying. It’s a home when you’re selling.
You teach people how to get these HUD houses.
I wrote a book about it. Unfortunately, there aren’t near as many HUD houses are there used to be. We get some deals every once in a while. You can still get some deeply discounted properties as well.
There’s not so many, is it because of the real estate cycle?
The market goes up, it goes down. In my opinion, I hope it doesn’t start going down too much.
I’m glad that you mentioned that because I went to a podcast convention in Philadelphia. On the plane back to Houston, there were two gentlemen, probably mid to late 30s. One of them was extremely enthusiastic about taking these townhome plans that he got from a guy who plays for the Philadelphia Eagles. They’re going to bring it to Houston. They’re going to duplicate this floor plan and this guy’s business model of the building. For those of you that may or may not know, but downtown Houston, Midtown, the townhome area went through a big boom years ago.
I was sitting on the plane and this guy was, “It’s going to be great.” It’s almost as if I felt like I was getting my hair cut. My barber is telling me that his sister’s husband’s brother has got a hot deal. I came out immediately and said, “I’m not calling the market top.” I equate reading the real estate market to reading women. If I can do it, it’s long past. I’m not saying the market is top. My radar was definitely turned on at that point. Scanning and seeing, we’ve got consecutive quarters of Manhattan real estate’s down.
Driving home, there are three new for sale signs in my neighborhood and there are three that are sitting there well before Thanksgiving. My neighborhood is pretty nice. It’s not exclusive by any means. It’s definitely a middle-class type of neighborhood, where you would think that there’s enough pool of people, they’d have enough buyers to move these houses and it’s slowing down. You say stash cash. I’m saying tighten up LTV and stash cash. If you are lending, bring your LTV, your loan-to-value requirements down to give you more protection.
You need to be going from 70 to 65 down to 60 as the market turns.
That’s something that you as a wholesaler know intimately well because you got to negotiate the sale of the house but then turn around and re renegotiate another sale. Back on your HUDs, are you using the website for that?
There’s only one way to buy HUD houses. That’s at HUDHomeStore.com. That’s the only place you can buy a HUD house. HUD is a daily auction. You can bid on every single house every single day. That’s what you have to do to get deals because you don’t know what day they’re going to take it. You’ve got to bid on all of them every day. What you want to do is bid on all of them. Like in North and South Carolina, you got a bid on every house every day. That’s what you want to do because it’s a daily auction. All HUD bids are submitted by an agent. Not a listing agent, but an agent with what’s called a NAID number. That’s National Identifier number. Just about any agent out there has that. It’s not a big deal at all.
Whenever you bid, three things can happen. Either you don’t hear back and your bid expired because it’s a daily auction or you get a counter or you get an accepted offer. If you get a counter, there are four things you can do. Maybe they’re asking $50,000 and you offered $20,000 and they countered at $30,000. If you get a counter, there are four things you can do. You can counter back, you can submit a new bid, you can ignore it and it’ll expire or you can accept it. That’s the four things that could happen. We’ve bought houses as low as 20% of list price. It’s very rare, but we bought a lot of them at 30%, 40% and 50% of list price.
There’s a lot of little nuances. You look for anomalies because it’s the government we’re talking about. Sometimes they’ll list it as a two bedroom. It’s three. Sometimes they’ll list as a two bath. It’s a three bath. They mess up the square footage. They might list it as a 900-square foot house, but it’s 1,900 square foot. You got to look for anomalies, look for mispriced properties and look for what’s called uninsured properties. Those need more work. Not near as many people are bidding on them, you want to go outside the MSAs. There’s a ton of stuff that’s in the book.
If humans can do anything, it's to be irrational.
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Go ahead and tell us how to get ahold of that book or get more information on your program.
You can go to FreeHUDBook.com and grab a copy of it there.
I like your style, stash cash and as you said, we’re hoping that it flattens out. Hopefully, it won’t be a volatile correction. My day job is I’m an insurance adjuster for the oil field. I’m like a vulture. I only eat when something dies. I don’t want to see anybody lose their house or hit harder economic times. At the same time, I truly in my heart believe that we’ve got to take the medicine without the sugar. We’ve got to clean out all the trash. Get back to what I would consider a normal market. We’re all human. If humans can do anything, it’s to be irrational. I’m glad to hear you make the statement. Let’s start hoarding cash. I want to get to that point where the whole reason why I’m trying to build private lenders is, when the banks stop lending.
The hard money lenders figure out that they shouldn’t have been playing with other people’s money, to begin with, there’s not going to be any money to go around and keep things going. That’s where the private lenders come in. People say, “Who do I lend to?” I know you don’t use private money. You can reach out to Larry and offer him an interest rate he can’t refuse. The next time he does, owner finance a house to somebody, you provide the mortgage, the first position lien. Larry wraps it sells it to an end user. My only caveat with the people is when I allow wraps on my money, I require full disclosure to the end-buyer, to let them know that they don’t have the first position until my first position is paid.
That’s very admirable because a lot of people won’t do that.
That’s one of the first questions I find out. It’s in my attorney’s instructions at closing. I want to a document signed by the end-buyer saying they understand that I have the first position until my loan is paid off or they refinance. It’ll go back over to them. FreeHUDBook.com, where else can we send people to get a hold of you and learn more?
I’ve got it what I call an Investor’s Kit. It includes this book, Getting Started in Real Estate Day Trading book. It includes the HUD book. It includes some other audios. All they have to do is call and talk with Zinobia. Call this toll free number 877-LarryGo.
Larry, thank you so much for coming on. I’ve enjoyed it tremendously. While we’re at it, talk about your podcast.
I have two podcasts. I have one called BRAG, Be Rich And Generous. Candice and I, Candice has been my integrator. If you’re not familiar with the term integrator, it’s like an operations manager, but she’s been with me for many years. She is awesome, phenomenal. She and I co-host this show, Be Rich And Generous, BRAG. It’s on Facebook Live. We do that every week. We talk about the deal of the week. We talk about what we’re doing, all of our business. I have another podcast called Brain Pick-A-Pro where every week I interview another guest like you. You’ve been on it. I interview another guest every week. We have two different podcasts. You could check out all of our stuff at LarryGoins.com.
What are you reading right now?
I’m old school. I’m 58 years old. I drive a 2002 Lexus SUV. There’s only one reason I keep that car. Number one, it was the first year that had GPS in the dash. It was the last year that had the cassette player. My son and I, every morning on the way to school, we’re listening to the Purpose Driven Life Again. That’s what we’re listening to. I’ve had the book, but I never went through it. My son goes to a private Christian school, a great kid. We’re listening to that. He said, “I am enjoying listening to that. It’s cool.” That’s what I’m listening to. I’ve got another one that I read myself called The Miracle Morning. It’s a good book. I’ve got a ton of them. I love Audible. I don’t like to read physical books anymore, although I’ve got two bookcases. On the other side, I have another two bookcases. I have one at home. I’m a firm believer in education. I don’t have a university or a formal education. My wife has three degrees. She’s not even in the field that she studied for in college.
You’re talking to a guy who has a double major in philosophy in German. I work in the oil field insurance. I did have dinner with an underwriter from Hanover, Germany. My German is so sloppy, so bad that he’ll say one phrase or respond and say, “It’s easier if we speak English.” Larry, thanks again for coming on. Once we do see the market turn, I’ll definitely want to have you back on and let us know what you’re seeing over there in the Carolinas.
I appreciate you having me. It’s been a lot of fun.
I know you don’t need it, but I’m going to wish you all the luck in the world.
I want to thank Larry for sharing his time and his thoughts with us. If you can’t tell but having Larry on the show is another huge deal for me. I do enjoy it. The joy comes from you reaching out and sharing your thoughts with me. Go to PrivateLenderPodcast.com and you can connect with me that way. Facebook and all that other stuff as well, you can find links there. I want to remind everyone especially if this is your first time, please do get acquainted. The only prize I asked for reading is if you find any value in this episode and every episode, if you would please share it with somebody whether you think they could use it or not. Please spread the word, I encourage you to leave a rating and review at iTunes or whatever platform you use. I greatly appreciate it. I appreciate all the feedback that I get and to all of you reading in Lender Nation, I wish every one of you good health, self-awareness and an abundant mindset. As always, I wish you all safe and prosperous private lending. I’ll catch you in the next episode.
- Larry Goins
- Ultimate Buying and Selling Machine
- Getting Started In Real Estate Day Trading
- Metrolina REIA
- Quest Expo
- Be Rich And Generous
- Facebook – Larry Goins Account
- Brain Pick-A-Pro
- Purpose Driven Life Again
- The Miracle Morning
About Larry Goins
Visionary, CEO, Entrepreneur, Real Estate Investor, and Educator Larry has been investing in real estate for over 30 years. Previously, Larry served as president of the Metrolina Real Estate Investors Association in Charlotte NC, a not-for-profit organization that has over 350 members and is the local chapter of the National Real Estate Investors Association.
Larry is an active real estate investor and travels throughout the United States speaking and training audiences at conventions, expos, and Real Estate Investment Associations on his strategies for buying and selling houses. Larry has also written several books on real estate investing that are available wherever books are sold. Larry and Kandas are also the hosts of the BRAG Radio Network.
BRAG is all about investing in real estate to Be Rich And Generous. Larry also has a podcast on real estate investing Brain Pick a Pro, where he interviews experts from real estate and give his own expert advice. Between speaking engagements and mentoring other investors, Larry oversees the daily operations of his investing business that wholesales properties, seller finances properties and holds properties for investment.
On a personal note, Larry and his wife, Pam, have two children, Linda and Noah. He also has a granddaughter, Ember and grandson Keegan. They are a member of New River Community Church in Lake Wylie, SC. As a husband, father, businessman, and real estate investor, Larry holds true to his core values and moral integrity. His personal and business motto is, “People and principles before profits.”
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Address: 4607 Charlotte Hwy
Lake Wylie, SC 29710