Real Estate Investing with Mike Cantu and Bruce Norris | PART 1 #773




Real Estate Investor, Mentor, and Entrepreneur


Mike Cantu has been a friend of The Norris Group for almost 30 years. Along with having a portfolio of well-located rentals, Mike has been a very successful flipper, land developer, and on occasion teacher and mentor to investors. His disciplined approach and the willingness to keep learning set him apart from all other investors.

The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go and click the Hard Money tab.



Episode Notes:


Narrator  This is The Norris Group’s real estate investor radio show the award-winning show dedicated to thought leaders shaping the real estate industry and local experts revealing their insider tips to succeed in an ever-changing real estate market hosted by author, investor and hard money lender, Bruce notice. The Norris Group proudly presents our 14th annual award winning event I Survived Real Estate industry experts join Bruce and Aaron Norris to discuss evolving industry trends, real estate bubbles, inflation and opportunities emerging for real estate professionals. All proceeds from the event benefit Make-a-wish and St. Jude Children’s Research Hospital.

Bruce Norris  Thanks for joining us. Once again. Our special guest today is Mike Cantu.

Mike Cantu  Right, right. No, I did a deal at the beginning of the airborne side. And it was a fantastic deal. And I, part of the deal was that I kept the tenant in the house. It’s been there for 25 years. But I was buying it at about a third of value. It was a husband and wife and she had inherited and she’d managed it for years and put a new roof on it and then was basically done with it. We worked it out. She didn’t tell me she had offers substantially higher than mine. But as long as I left the tenant there we were in business now there was nothing for me to honor that deal, but I thought oh no, no, that’s good karma. If you make a deal with a seller even if it’s not in writing, he got to uphold your end of the deal. So, numbers wise I paid 130 for 350 house it’s probably at 380 house now. But came with a tenant who’s a hoarder lots of junk and when he leaves that’s gonna be a lot of dumpsters.

Bruce Norris  Yeah, that will be. You…

Mike Cantu  And he’s paying about half, half market rent and that was also part of the deal I left him in there and don’t raise his rent for a while.

Bruce Norris  Okay, well it’s a it’s a bank account that’s going to happen in the future.

Mike Cantu  Yes, there was actually two of those at the beginning of the year and I had discussed on my I’ve mentioned my parts and tools theory to you that you made some comments about and the three houses that I kept this year two of them are tools and one of them is apart and there’s enough equity in the two of their tool to pay off the one part the keeper house.

Bruce Norris  Explain the tools and parts theory though to everybody.

Mike Cantu  Okay parts and tools there’s only two categories for all real estate that comes across my desk parts and tools. The parts are what you’re assembling your retirement with that is your good stuff that’s going to take care of you in your old age and tools are all the other real estate, a wholesale deal, a retail deal, an interim keep that you harvest the equity later, but all of the tools jobs is to pay off your parts.

Bruce Norris  The parts, how do you recognize this as a this is a part? What’s the criteria for a part that’s different than a tool?

Mike Cantu  In my world Bruce it boils down to location first, structure second, I, I’ve always preached keep the good stuff. The only regrets I have the real regrets and they’re not even that bigger regrets because I did keep lots and lots of good stuff. But I sold some good houses out of necessity over the years and that kind of disappoints me looking back but I’m gonna say there might, there’s probably between 20 and 30 over all the hundreds and hundreds of deals that I remorse over. So, I always tell people keep the good stuff that’s when you know this is a great house this will serve me later on in life and it will attract good tenants that is one of the biggest components there what, what kind of tenant draw are you going to have from this house, the wrong, a bunch of wrong houses or go out of business, out of the management business quickly. And with good houses people will stay for a long, long time if you, I’ve always had the goal to be the best landlord I could possibly be. And I’ve always had the attitude. This is not an adversarial situation. We’re team members. I’m captain of the team but we’re on the same team and our both of our goals is to make this work for the long haul and make it work for both of us. So, I do maintain rentals. I, I’ve got lots of stuff I’ve had 20. I’ve had some stuff now 30 plus years but it’s I made the comment the other day, these things don’t fly themselves and they don’t land themselves, nor do they maintain themselves to where, in the last few years, I’ve had stuff that I rehabbed 20, 25 years ago that I, they’ve either gone vacant, and I put between 20 and 30,000, getting them back to what I, I want to have the best tenant selection possible. So, I do a really nice rental rehab, and it’s the right house in the right neighborhood. I’ve got lots of tenants that have been with me, that that I had rented to over 20 years, some houses. I’ve got a house in Clermont that when I bought the house, the couple have been there 31 years as tenants, and that was 2002 that I bought the house. And the man passed away a few years ago, but the lady still there, she’s in her 90s phase like clockwork, and I, that makes being a landlord really easy.

Bruce Norris  Yeah, that’s, that’s true. No, it’s unlike, you know, one thing, it’s always been interesting to me because I shied away from education, because I was suspicious of it. My first seminar is actually one I gave, which is really kind of an arrogant mistake. But you’ve you’ve always made it a habit to attend lots of education seminars over the, over the 40 years. And, and I know that you probably know more than the speaker most of the time. So, why was that always an important thing for you to do?

Mike Cantu  Multiple reasons, Bruce, one. I love being exposed to alternative thought processes that they don’t teach you in school, especially being exposed to those by somebody that’s done extremely well in life. And I’m always looking to better my life. But I, I tell people that you get your physical, physical nutrition every day by way of food, but you also need your mental nutrition to where, you know, I’m a reading fanatic an hour a day. But I figure if you’re, if I’m going to be involved in this game for my entire life, early on, I realized this is it, this does it for me. And I don’t there’s no ceiling on your income ability in this business. Real Estate entrepreneurship has no ceiling, to where it boils down to education. And then as I went through the first downturn, and I watched a lot of people go on and do different things for the rest of their life, I thought and looking back the second downmarket I went through, I realize that most of the people that keep getting rinsed off the playing floor is lack of education and not knowing how to structure going in and not how to deal with the challenges in a down market. So, I became obsessed with the real estate education when I first, after I went to that first seminar, Bruce, I went to the bookstore bought every book they had on real estate investing, I went to community college, it took real estate principles, appraisal, escrow procedures, investment analysis and exchange. Every single real estate class community college offered, I took that and I was just, I had an insatiable appetite for knowledge in the real estate arena. And I still do, I’m fascinated by us.

Bruce Norris  When was, when was the first time you got asked to speak in front of an audience to share with, with share what you knew.

Mike Cantu  It was, I turned down lots and lots I got asked several times. But the first one that got me to raise my hand and commit really, I didn’t that was an interesting one myself. That was very interesting. It was Jack Miller. And that was back in 2003. He asked me to go to lunch at one of his seminars. And he asked me would I be interested in giving a talk on wholesaling? And I said, well, not really. And his objection handling techniques were a lot better than mine. And all of a sudden, this arm came over the table and I thought what’s he doing? He’s gonna grab me and next thing you know, two hands were shaking. And I thought oh, that’s just two hands. Wait a minute. That’s my hand. It was kind of a strange situation because at that time Jack was my education hero and still is. But I was, yeah, I had to put my life on hold prepare for that. And that, that was interesting. I had a few…

Bruce Norris  You remember calling me on that?

Mike Cantu  Yes, Bruce. I had a full out of body experience. I was up on the stage and I was off to the side of the stage thinking to myself, look at that guy go. He’s saying a lot. I wonder what he’s talking about. And it’s, I had practiced so many times that I managed to pull it off. And I got a standing ovation.

Bruce Norris  That’s right. You called me. I remember you called me up. Well, first of all, we had lunch before you did the talk.

Mike Cantu  Uh huh.

Bruce Norris  I remember that. You had your talk, word for word. And I remember going on like, you don’t need to do that. You know? Tell him some of your stories. And anyway, then you call me up. He said. Now I know why you do this because you got a standing ovation. And that’s pretty cool.

Mike Cantu  And Bruce, I, so many good things in my lif have came from sharing what I’ve learned with like minded people, I’ve met some of the neatest, interesting people through the real estate world, some of my best friends came from the real estate world.

Bruce Norris  Absolutely.

Mike Cantu  You included, Bruce.

Bruce Norris  I appreciate that very much. You’ve got, you’ve got a training that you’ve put together that I intend to go to, but you’re, you’re going to give it at least in one location. Can you talk a little bit about that?

Mike Cantu  Yes, I’m not sure how long it’s gonna go, Bruce. But it was built and originally hit me up. Because next April is my 40th year of full time real estate entrepreneur. And he asked me if I would share some things I’ve learned on the topic I came up with with was 40 things I’ve learned in 40 years as a full time real estate entrepreneur, and some other stuff. So, there’s gonna be some other stuff in there, too. Not sure what I’ve been taking notes for the last four months. I’m sure I’m past the 40 things I’ve learned. But I, whatever it is, I’m going to narrow it down and try and keep the the best of the best in there and just share what’s worked, what hasn’t worked and the truths that I’ve learned.

Bruce Norris  There’s going to be in a one day seminar.

Mike Cantu  Yes, at best, at best. It’ll be one day, it may be a half day. I’m not sure, Bruce.

Bruce Norris  Okay. You know what, I just want to let you know, as somebody has done this business, for, you know, a long time, when I hear you speak, I would say more great information per minute comes from anything you do than anybody I’ve heard.

Mike Cantu  Well, I thank you for the compliment. I’ll tell you that comes from me sitting in the audience, I cannot stand an unprepared speaker and a lot of uhh’s and ahhs and then and then they go rambling on, I, that, that drives me nuts I, I’m there to take notes. And I’m very stingy with my evenings and weekends and applied sacrifice one, I have, I’m a big note taker too. So, I want to get some good stuff out of it. And I try and do the same. When I’m the speaker, I think okay, most of the people here for have an agenda. They want good stuff, and I’m here to deliver.

Bruce Norris  What’s, what set Jack Miller apart, because I know that you think very highly of many other trainers. But what set him apart?

Mike Cantu  The most creative, out of the box thinking person I think I’ve ever met. And with a lifetime obsession with the sport of real estate. I hands down to this day, I’ve never met anybody that was even remotely as knowledgeable on specialized topics, the overall concept to work. When I discovered Jack Miller, he would typically give 12 seminars a year scattered all over the United States. You never knew what they were. And usually when you went to the seminar, you got two seminars, he would tell you take the book home and read it and usually within the first half hour, hang a hard right and go off on tangents all pertinent to the topic, but having nothing to do with the book. So, I will be taking notes as fast as I could. And then at night and in my hotel room, I would be reading the workbook and his, his thought processes just absolutely fascinated me with all of the ways he was able to extract money out of real estate, money and benefits.

Bruce Norris  I attended only one of his seminars and it was in California and was on exchanges. And there was a really specific reason why I went there because I was trying to figure out how to buy the 93 building lots in Palm Springs. And so you, he did exactly what you said I had a I had a notebook, I was ready to take notes on you know what he gave you. And he never, he never stuck with it. So I was over my head too. So,, but I did end up making the deal, which was, which was funny anyway. But what about outside of the real estate world of trainers, do you have a favorite business? Mentor? Thinker?

Mike Cantu  I’m not so much in the business world, Bruce in the personal development. Yeah. Yes, that is my, I love that arena. And Jim Rohn has always been front and center of that arena that I listened to him on YouTube. I have I think, every book he’s ever written. And I do love Jim Rohn.

Bruce Norris  Now, were you, did you know of him before you and I?

Mike Cantu  Yes.

Bruce Norris  Okay. You knew of him before then. Wow. That’s interesting.

Mike Cantu  Yes, and what, I’m the one who had him back in 2005, at your millionaire maker class, and he was the keynote speaker and I spoke before him. That was one of the big highlights of my real estate career was being on the same stage as Jim Rohn. And getting a compliment out of him.

Bruce Norris  Wow. Okay.

Mike Cantu  What, they are several other people out there. I’m also a big fan of Bob Proctor. I was not exposed to him up until probably the last five years. But um, he’s same league as Jim Rohn. Just great personal development stuff, the right mindset, the right attitude. But I know that attitude and mindset is the key component to making it in anything. And I think especially in the real estate game.

Bruce Norris  Do you still have your set of goals?

Mike Cantu  Absolutely. Bruce my goal book, I could reach it right here. It’s down next to my a little bookshelf there. I was playing in it this morning and last night, every day. I am in that book.

Bruce Norris  Now, what impact do you think that has on, on your tomorrow when you do that?

Mike Cantu  It has a huge impact. It’s the autosuggestion, the law of attraction, all of that stuff. Early on, I wasn’t so interested in it. But looking back and seeing the results I’ve gotten from it, I became fascinated with it. And I actually wrote down something this morning, Bruce, um, my life is a physical manifestation of the conversations going on in my head. And that’s right back to the goals, the goals and attitude.

Bruce Norris  Absolutely. You know, it’s you mentioned Jim Rohn. And that day that we had him speak at that millionaire maker. And there was someone that was on my, my aisle, who, you know, because Rohn was getting up there. And he says, I wonder why he still does this. And then during the hour, he got three standing ovations. And then after the third one, I leaned over, I said, when would you want that to stop?

Mike Cantu  And Bruce, I understand I, you know, I called you after my first Jack Miller talk. But I ran into a lot of people on the weekend at Huntington, in Huntington Beach, where I spend my weekends that have came up to me and said, just strangers, several people, I didn’t even know what a few that I do know. And they just come up to me and tell me, and not just there in other places, ‘Hey, I heard you speak and change my life. I went to your old a class and because of that, this this this’ and I that’s a great feeling to know that, hopefully, I leave the world a better place and people have benefited from my efforts.

Bruce Norris  Absolutely. I would say that’s a, that’s a definite yes. And I’m glad to. I will be glad to be part of the audience when you give that 40 things I’ve learned over 40 years, but where do you know where it is yet?

Mike Cantu  Built hands. I’m not sure if it’s going to be live or a zoom. Gary Johnson’s is going to be next November in Las Vegas. I believe it’s the masters of real estate, All Stars real estate. I’m not sure what he calls it. But I will absolutely, you’ll have a, you’ll have the dates when it’s penciled in.

Bruce Norris  Okay. Very cool. All right.

Joey Romero Bruce, Aaron, you know, I, I said, ‘Hey, we got Mike on today and is there anything I should, I should hit him up about?’ And he said, ‘Yeah, don’t let him get away without answering a couple questions.’ And one of them is what are your thoughts about multifamily? Are you still single-family guide through and through or has that changed that often?

Mike Cantu  I’m still a single-family person. I like being able to multiple reasons one, I like a good house and a good neighborhood. I’ve had apartments I still, the only multifamily. anything I have is the two duplexes downtown Huntington Beach. I stay in one side, my daughter and her family stays on the other side of one of them. But as a landlord, I want more than two by four and dry walls separating unrelated families, I would have the exception for multifamily in a resort location in an A to A plus neighborhood. But my multifamily experience at best were B minus and below and that will drive you out of business with the management side of things, the turnover, the challenges, the disrespect. It was a frustrating, and I’ve watched other people do extremely well with it. I just have don’t have the right attitude for it.  The other question was, what are your thoughts on investing out of state? I’ve never been a fan of traveling. I do have some property in Tucson. But I also have a lifelong friend that’s lived there for 30 years and lives within 10 miles of the stuff so. And I hadn’t planned on acquiring that. Early on, I partnered up with Mark on a mobile home park that we still own. And he gave me a house many years ago to settle up the debt I said yes, I’ll take that call the debt good. As long as you manage it. That was about 16, 17 years ago, he’s still managing it, but I’m just uncomfortable with that only because I don’t see the need to, to travel if you don’t have to. Now, California’s political climate has changed a lot. But still, I mean, I prefer not to have to get on an airplane to visit real estate.

Joey Romero  And I’ve been on a lot of these calls with, with Bruce when he talks to investors that are doing you know, the houses that we’re doing in Florida. And you know, sometimes if the investor is, you know, gotta be really hands on and you know, that’s, that’s one of the big, big things for them. You know, I’ve heard Bruce actually say this probably isn’t the right fit for you. You know…

Mike Cantu  I do have some comments. So, I love Bruce’s program because it’s brand new construction and new construction, once you get someone occupying it and work any initial bugs out of it, it’s good to go for quite some time. So, that just boils down to the right tenant selection and decent management. I have watched friends do very well with new construction out of states and I’ve watched people really struggle buying the wrong inventory out of state, some of them and one friend the bottom a lot of stuff in Texas but it was completely in the wrong neighborhoods. It was bargain prices but in quickly learn why you got the bargain price and Jeff’s story on that was he struggled for some years on it and I’m pretty sure he got out at a loss. So, all of his bargains stuff I remember he told me he paid 9000 for a triplex I said well good luck with that.

Bruce Norris  Well hard to lose money on that but I guess you got to think…

Mike Cantu  He did. He did lose money on a 9000 triplex after fix up couldn’t keep anybody there more than 60 days and go back and fix it up again. He was in it a whole lot more than nine when he liquidated it for what he paid for it.

Bruce Norris  Wow.

Mike Cantu  So, I, once again I try and keep, keep it as simple as I can. And originally, my original game plan was my criteria was I would like it within bike riding distance. And my theory behind that was if I lost everything at least I could ride my bike to collect rents. And then it dawned on me if I lost everything I wouldn’t have any rentals and I wouldn’t need the bike to go collect rents but that was a theory but most of my stuff is still within a decent bike right of or I operate out of.

Bruce Norris  I just have to ask this question. You had a truck that you had forever. And I think, I think you retired it what what was the mileage on it when you when you got rid of it?

Mike Cantu  563,000 and I sold it to my neighbor Justin he put another 40 something 1000 on it. Then he sold it to a gardener and I still see it occasionally around town. Wow.

Bruce Norris  And you bought a new one?

Mike Cantu  

Yeah, I bought my new one now has 125,000 on it. See Bruce I was reluctant. The two trucks prior to the one I have now. I consider them my hunting dogs. They sniffed out equity like nobody’s business and you don’t put a good hunting dog down. You take care of it when it gets old and I just kept changing the oil and it kept sniffing out deals for me so, I used to tell people when nobody without that truck. Last time we talked Bruce, we talked about the game that I play every month, as a real estate entrepreneur, I go to work every month with the goal of out earning my net rents. And it all ends up in the same place. But I’ve done that for decades, trying to earn more than I collect in rent some months, I do some months, I don’t, but it keeps me on my toes. And I feel an obligation to go out and put some money on the table as an entrepreneur. So, I love that game. But once again, back to keeping the good stuff. I can’t stress that hard enough. And last year, I know we had crazy appreciation, which was not the norm. But I did an interesting one, or I totaled up entrepreneurial earnings, and net rent earnings. And I combine those together. And I was kind of surprised. I thought, wow, okay, that looks good. But then I looked at the appreciation from just having my name on some good real estate and about triples that.

Bruce Norris  Wow.

Mike Cantu  And I thought, okay, there’s a lesson to be learned here. It doesn’t always go off, but when it does, you want to have some.

Bruce Norris  Absolutely. Do you, do you pay attention to cycles as part of what you do?

Mike Cantu  I do, Bruce. I do. I think the key is being prepared. I mean, there’s only, I know exactly what the markets going to do. I’ve shared it with you every time and I’ve never missed it. It’s going to go up down or stay the same. And we know that and I say be prepared accordingly for any of those three scenarios, you don’t want to be too far out on the limb and have the market go out for money. That was the first 10 years of my real estate career, the market changed and I had no idea about market cycles. So, yes, it’s important to stay on top of that, constantly watch your debt load. And the keyword in my life Bruce has always been sustainability. Is this sustainable? And what can I do to make it sustainable so that I don’t get voted off real estate island, I plan on being here till the end. And it boils down to the word sustainability. What can you do to sustain this and keep it going? The two examples I like is the house I live in during the week. And the place I live in during the weekend. From a sustainability standpoint, and my office down the street from my house is on the same boat here to where I live on a big piece of property with two houses, the house towards the front to the east, that rent alone covers 100% of everything to do with my house. Everything all the bills, utilities, gardener, property, taxes, everything. So, there’s actually a positive cash flow there. And so the sustainability of that is there. And then the weekend place is two duplexes that, once again, my daughter uses one side, I use the other, the two rooms from the other duplex more than cover everything to do with that property and a lot of the maintenance and that one is completely sustainable, to where I try and put myself in a position to where you don’t have to go backwards. I went backwards early on and I didn’t like it. I don’t like downgrading and taking steps backwards. So, sustainability has been a huge word in my vocabulary. And Jack Miller always said that real estate’s a moving target. Every year, it’s a different playing field. The rules change and the numbers are different. And this year is certainly no exception to that. And I always try and be mindful of that, that this is a moving target. There’s always a game to play. We figure out what the game is for the year and then try and milk it for all it’s worth. But it’s a moving target. What I’m doing now is quite different than what I used to do years ago. I think I mentioned to you Bruce, and my new job title I gave myself four or five years ago was real estate Dumpster Diver that I have dredged up, real beauties that where I think wow there’s a buyer for all of this stuff. In fact, there’s multiple buyers for all of that stuff so early on I would never deal with that but I realized the very profitable arena not something I want to do but I enjoy wholesaling it I enjoy making the deals, but that’s a moving target. And I am a fan of getting stuff free and clear as soon as you can. 30 years is a long time for something to amortize. I shared the parts and tools there any I have many more. I love to buy four, sell three keep one, if you’re buying them right, you should be able to buy four, sell three of them and have the fourth one free and clear. I gave the example earlier of the three I kept this year, that would be buy three, sell two and keep one free and clear, which eventually will happen. I’m always trying to add to my monthly income, the cash flow, that’s back to the sustainability side. And the goals have always been the driver. But for most of my real estate career, as I, one of the questions I always ask before I disposed of a deal, or made my final decision, is this getting me closer to retirement, I always wanted to get to the point where it was a sport that I enjoyed playing, not something I have to do to earn a living.

Bruce Norris  Right. Just so you know, you know, he definitely inspired me when you started clearing things free and clear. You know, there’s a little bit of a competitor in me and I went okay. Yeah, I can you do that. And I know and Mick was not happy with you when you…

Mike Cantu   Oh, no…

Bruce Norris  …806 debt?

Mike Cantu  No, no, no, he’s not at the scene. But Mick was not a single parent with a young daughter. And I thought I can’t screw this one up. And my whole plan was to give the houses job descriptions after they got paid off your most people’s lives have recurring expenses, that 30 day cycle of life, and you can have an income stream to take care of that recurring expense. If you get enough of them, you can have 100% of your income or your expenses accounted for. And at that point, you’re technically financially free. And that was the goal of I allocated, I allocated houses for different things, and eventually got there. But that was always the focus is create the cash flow. I grew up with military discipline Bruce, and did not care for it at all cannot stand to be told what to do to this day. I just like I said, my whole goal in life has always been to wake up every day and do whatever the heck I want to do and have the money to do it. I have friends that have done a whole lot better than me. But the first question I asked him is, tell me about your day? What time do you get up? What’s it consist of, do meetings, weekends, appointments, nice clothes, all of the stuff that I’m not a fan of. And I always ask them, what drives them. So, I’m very curious person. But it’s important to know what you want out of this thing called life. And once again, I want to do whatever I want to do, and I have the funds to do it. And real estate, I think for the working class person hands down is the best way to get there.

Bruce Norris  Absolutely. Like you say, you have a methodical plan. A lot of people don’t well, maybe they, maybe they do realize it’s a long time, but it is a long time for you to pay off that first 10 houses. You know, it was a journey.

Mike Cantu  A very long time. I’ll never forget one, a very good friend of mine Art, we’ve been in business about a dozen years. I mean, we were having lunch and he will seriously said, so tell me Mike, do we ever get to the point where we pay off all of the credit lines, all of the credit cards, and actually have a positive cash flow and money in the bank? And I just laughed when I said, ‘Of course not. You just keep going’. And I was joking. But yes, that’s always been the goal. And I never take your eye off the prize. That’s where the gold book comes in. I am still a fan of last night for the bed this morning. After I got up. I read my goal book. And we had looked at tonight. And it’s consistent one month, three months, six months, one year, three year 5, 10 years. And a lot of inspiring stuff in there to where I only asked out of myself and anybody that I associate with I use Jim Rohn’s term, ‘we want measurable progress in reasonable time.’ And as I go through my goal book, I say, well, I have this one written down last year and nothing’s happened. Where’s the measurable progress in reasonable time? What do I have to do? Do we have to modify it, eliminate it or come up with an action plan on it?

Bruce Norris  That’s, that’s great that you do that every day. And I I definitely am with you on how impactful that is. Because there’s times, I’m sure you’ve experienced this where you have you have an inspiration where you want, you want something for the first time. And you write it down and you read it and the next day, you, you buy it you put it in escrow and you’re just going ”What the heck.”

Mike Cantu  It’s the law of attraction Bruce, that when you are very specific, specific on what you want, the universe conspires to make it happen. That’s been my experience. And I’ve had one too many miracles to where I thought I could never dispute the Law of Attraction theory. Throw it out to the universe with sincerity and clarity and see what happens.

Bruce Norris  Yep. I have experienced that and I’m fascinated by it as well.

Joey Romero  Hey Mike, hearing your stories and I was a college baseball player and one of my teammates introduced me to to punk rock. And I’ve been a punk rocker ever since. And being that you’re Huntington Beach. You’re a skateboarder. You don’t like being told what to do. I mean, are you a punk rocker?

Mike Cantu  I, see. I went through my punk rock phase. I am still punk rocker and hard. I’m also heavy metal headbanger. I love my music. So, yes, and I was gonna say, my childhood dream up until I was 12 years old as I was going to be the shortstop for the Dodgers. I was going to take Maury Wills job away. There was never a doubt. That was my chosen path and then somewhere around eighth grade a surfboard, got a girlfriend started parting my hair down the middle and it went downhill from there.

Bruce Norris  Alright, Mike, we better, we better ended. I’m going to look forward to hearing you speak.

Mike Cantu  That sounds wonderful. Bruce always my pleasure. Thanks for having me.

Narrator  See for event details, information on all our generous sponsors, and to connect with our speakers.  For more information on hard money, loans and upcoming events with The Norris Group, check out For information on passive investing with trust deeds, visit

Aaron Norris  The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go and click the Hard Money tab.



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