 of have your own place to stay and don't pay rent pay a bond something that belongs to you so they they financed my bond hundred percent including transfer fees oh nice so the whole bond and transfer fees and everything was hundred percent financed and to me it was like wow i can actually buy something without even putting five rent in it made me want a building i got irritated by levies i didn't know why i have to pay levies i didn't understand why i should pay levies and there were a lot of problems this that is not happening body corporate it felt like i bought a property but i was still being controlled by body corporate i i asked myself questions who has the bond is the boy in mine or that of a body corporate i i i was really agitated by the idea that my property that i says mine i cannot do much with it unless i ask someone else about it and the whole point is to make returns in property not to just have a property and have a lot of things that are just as i'm lining you and that's the journey that's the what actually took me to to look for building i looked for a building um you know for viewers at home who probably don't know what tough is they've probably never heard of tough perhaps if you could just you know share a little bit about what tough does and how they played quite an important role in in your journey tough is is um is a home loaner for buildings i mean buildings finance yeah but then you specifically focused on the urban development zone they do not finance out of the urban development zone which is mainly your central business district but if you don't know what urban development zone is you can just go and find out if you're if the building you're looking for is within that area within the urban development zone their their main focus is to vitalize the cbd because i mean they've seen a lot of potential there of of of of of income streams especially in in the presidential and commercial space and i've seen it too with my own building because and in in bloomfontein in the tough portfolio in bloomfontein mine my building specifically is doing well because it's it's correctly positioned and it it it has tenants that are paying very very very well to understand so they saw the gap in the end they finance anyone with a credible obviously credit record you must have a credible credit record and everything of yours should be in order and you have you must have some sort of equity that you can meet them halfway with so yeah that's what tough does basically there is nothing more challenging in a building that not knowing the things that make it successful and when i came on from a student accommodation in a commune that worked well because there were a few treatments now here i come i come into a building number one number two i was i made something called construction i've never and at the time when i got because what what what tough does it doesn't just finance the building it finances the building and it gives money for revenue renovations as well so it gives you a holistic finance so there i am i'm faced with having to manage construction and i knew nothing about the construction world all i knew was how to maintain a few things how to just do and see a little bit i mean have people that can fix a bmc but now i was faced with construction turning everything i mean i had to have a proper project and it was it was a project it was a project that needed a project manager but to be honest i met the the worst challenges in the construction space and to an extent that i was taken for a ride and robbed of uh all my renovation money before the renovations were even halfway complete and when that challenge came it just went boom right in your face you have a big bond today but within this big bond there is also construction that is not still complete and for that to and those things now are running simultaneously you don't have the funds anymore to continue the renovation and the next minute you also have the three months grace period that you are given is over you have to now pay a bond those are the challenges that you need to look at with with with clear caution construction is the most it's very very very important for you to know the basics to know exactly what is needed and to be there and to be proactive otherwise it can set you back to over a million that is one that is number one number two the the the most the actually the backbone of of of property itself is the property management that is not done well you might as well have bought a a dummy a tree because property management actually the cash flow of the business it it it's the functionality of business it makes the business go and and those were the two areas that that were a challenge until I I said to myself you know what I'm going to start uh teaching myself actively how to manage properties and that is where I started building my own portfolio so that I know exactly what is what happens in the property management space what is important what what needs to be done what needs to to can happen because that is everything in a property investment