Single mom from bankruptcy to Millionaire in 3 short years!

No credit and No money…

When I was 18 I bought my first house with my perfect credit. I added carpet and paint and rented 2 rooms to my friends, meaning I didn’t have to pay a dime for housing during college…I was on an acre of diamonds back then and didn’t even know it!

I got married, had two beautiful kids, became a mortgage broker and a realtor, and then the 2008 market crashed in both industries, and I was faced with a “real desk job” doing accounting. Within two years, my 10-year marriage crashed. Our fix and flip went back to the bank, and the other one I short sold myself. Along with the divorce, I filed bankruptcy because of the lurking hundred-thousand dollars’ worth of credit cards I didn’t know I had.

I began 3 jobs to stay afloat and missed my two girls at home who I was raising solo now. I needed freedom and hated not chasing my dreams! It wasn’t long ago I recall going every day to my parents’ house so my girls had a good meal. I was trying to just pay for the roof over our head and could not borrow money!

Thank God for two amazing parents! After 2 years in “corporate America,” I ran into my middle school best friend, Brandon, and we went to lunch. He explained he gotten out of the service and was fixing up a house next to campus with a friend. They filled it with college students who were each renting a room paying $500 each. There were 4 bedrooms, so I immediately knew that’s twice the normal rent. The math worked. After they finished a year later, they moved down the road to do it again.

I REALIZED I WASN’T WORKING ON MY DREAMS ANYMORE.

I WAS WORKING ON SOMEONE ELSE’S

    I told Brandon I would be his realtor and he declined, so I volunteered my design “eye” to help.  He could only do one project at a time because he thought he was limited on funds. We laugh at that thought now.

I began to dream of getting into Real Estate full time, but had no money and no credit!

I finally had to make a decision… within a year of helping on the sidelines; I made the phone call that would change my life. I registered for my mentor’s 3 Day Quick Start Training Event. It was time to make our mark in real estate and even though I couldn’t afford it, I took the plunge and have never looked back.

After getting trained, I started buying houses like a bat out of hell. I used no money of our own, no credit of our own and had 6 rehabs going on when Brandon was fired from the tool belt! (It took too much of his time.)

In 2014, after attending my mentor’s live 3 day Quick Start Training Event, we combined his buying methods with our Student Off-Campus Housing model to create a niche market, collecting multiple checks from one house, while the neighboring landlords collect one!

  I don’t have to steal houses when I buy them because our method provides a way to pay close to market value and still have cash flow, double, sometimes triple the average investors single family rental cash flow! In fact, we don’t even have to buy them. I learned we can do the same on houses we lease option from sellers, which removed all limits on how many we can do.

In 3 short years….I went from bankrupt with 3 jobs to Millionaire!

My name is Dixie Decker, and in three short years I’ve raised over $5 million in private money while doubling my cash flow over traditional single family rentals. My business runs on auto-pilot. And, most importantly, today I collect over 152 checks each month in the mailbox and have over 40 golden geese with none of my own money in any deal. And, all while having the security of the ever growing college students and their parents on the dotted line to make the rental payments, and acknowledging the market even gets stronger during a recession.

Let me share with you a story, my “Ah ha” moment on Mother’s Day when I went to lunch with my mom and twin sisters (both very successful, married with kids, Nurse Practitioners with Masters degrees) and showed them my paychecks for that month!

I said “now you don’t have to worry about big sister anymore.” Their mouths dropped open and said, “what are you doing? Is it legal? I thought you filed bankruptcy… No matter how long we are nurses, we’ll never see that kind of money in one single month!”

In that moment at lunch, they demanded a tour of our off-campus housing. I proudly pointed to all the “work” I had done in that first year! In aww, they both had one question…..“How can I do this to afford to put my kids through college?”

    That got me thinking, it’s time for me to share what I know with folks committed enough to take action. But honestly I didn’t know what to do about it until I recently attended another one of my mentor’s events and we were discussing my business. That was a lunch I’ll never forget.

After he reconvened the class, I was standing in the back of the room, and I heard him say...."Dixie has volunteered to teach a one-day class on how she got rich with student housing."

     I thought I was going to faint on the spot. You see, we had no such discussion during lunch, and I volunteered nothing. But it was too late to back out, so I reluctantly agreed, then went to my room and took a pill.

    Honestly, all my mentor did was push me into doing what I wanted to do anyway, but may have never pulled the trigger.