The MORE Show

In this episode, I sit down for the third time with the legendary Grant Cardone — real estate mogul, founder of Cardone Capital, and creator of the 10X movement — and this one is the most raw and strategic conversation we've ever had. Grant breaks down his brand-new Real Estate + Bitcoin hybrid fund model, explaining exactly why he's fusing institutional-quality multifamily properties with Bitcoin on the same balance sheet, and why REITs — despite managing hundreds of billions — simply cannot replicate what he's doing. We also get into the origin story of the 10X Growth Conference, why he's shutting it down and pivoting to a wealth management model to compete with Charles Schwab and Merrill Lynch, how his Cardone Foundation is giving inner-city kids access to entrepreneurial education, and why he believes most people should never flip homes. Grant also opens up about the personal and legal challenges that come with scaling at his level, how partnerships protect you, and what the coming "tidal wave" of distressed real estate will mean for investors who are positioned and patient.

GRANT CARDONE

Grant Cardone is the CEO of Cardone Capital and Cardone Training Technologies, Inc., owning and operating over seven privately held companies. Cardone Capital is a private equity real estate firm managing a multifamily portfolio worth over $5 billion. Under his leadership, the firm has acquired a diversified portfolio comprising 14,600 multifamily units and 500,000 square feet of commercial office space across high-growth U.S. markets, raising more than $1.65 billion in equity from nearly 20,000 accredited and non-accredited investors, while distributing over $400 million in returns with zero investor principal losses. Grant is a New York Times bestselling author, international speaker, and is considered one of the top sales training and social media experts in the world, with over 15 million followers, fans, and connections across his platforms. He is also the founder of the 10X Movement and creator of Cardone University, and in 2024 he pioneered a first-of-its-kind real estate and Bitcoin hybrid investment fund model through Cardone Capital

SOCIAL LINKS

Platform
Handle / Link

Website
grantcardone.com

Instagram
@grantcardone

X / Twitter
@GrantCardone

LinkedIn
linkedin.com/in/grantcardone

️ YouTube
youtube.com/@GrantCardone

About Justin:

Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

Instagram: @thejustincolby

YouTube: Justin Colby

TikTok: @justincolbytsof

 LinkedIn: Justin Colby

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Subscribe to The M.O.R.E. Show

Most real estate investors are leaving massive tax savings on the table and they don't even know it. In this episode of The M.O.R.E. Show, Justin Colby sits down with tax strategist and real estate investor Karlton Dennis to break down how the tax code can legally reduce what you owe to near zero, why gas stations are one of the most overlooked investment vehicles for depreciation, and how cost segregation and bonus depreciation are the tools wealthy investors use that most people never hear about.

KEY TOPICS COVERED:

Why gas stations depreciate in 15 years vs 27.5 for residential, and what that means for your tax bill

Cost segregation and bonus depreciation explained for real estate investors

How to invest as a limited partner and earn passive income without operational risk

The real estate professional status strategy and why it changes everything

Entity structure, S-Corps, and how business owners can legally reduce taxes

Estate planning: revocable vs irrevocable trusts and protecting wealth across generations

Key Moments:

00:00 — Why Carlton invested with Grant Cardone as a limited partner

01:12 — Introduction: Karlton Dennis, tax strategist and real estate investor

02:08 — What Carlton is investing in right now in 2026

02:52 — Why gas stations are a powerful tax strategy

03:10 — Cost segregation and bonus depreciation explained

07:00 — Real estate professional status and passive income

12:00 — S-Corps, entity structure, and tax reduction for business owners

20:00 — How to use real estate to offset W-2 income

30:00 — Estate planning: trusts, capital gains, and generational wealth

40:45 — Karlton's book: The Art of Legal Tax Avoidance

42:27 — How to connect with Karlton Dennis

Connect with Karlton Dennis:

Instagram: @Karltondennis

Book: The Art of Legal Tax Avoidance, Volume 1 — available on Amazon

About The M.O.R.E. Show:

The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week.

Learn more: www.timeformore.com

Invest with Elevest Capital: www.elevestcapital.com

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In this episode, I sat down with 10-year mortgage industry veteran Sal Rizzolo, Branch Manager at New American Funding, to unpack what's really happening on the front lines of lending right now. We talked about how AI is rapidly automating cookie-cutter loans — and how companies like Freedom Mortgage and Better Mortgage are already racing to cut human loan officers out of the equation. But instead of treating that as a death sentence, Sal breaks down exactly how he and his team are future-proofing themselves by mastering the 203K renovation loan — an FHA product that lets buyers purchase and renovate a home simultaneously with as little as 3.5% down. We dove deep into how this product creates supply in markets starved for inventory, how realtors can use it to close deals they would have otherwise lost, how homeowners can renovate without selling their low-rate mortgage, and why the most complex, human-intensive deals will always need a skilled loan officer who knows what no AI ever will.

Sal Rizzolo

Sal Rizzolo is a Branch Manager and Senior Loan Officer at New American Funding, based in Long Island, New York, with a growing presence in Florida. With over 10 years in the mortgage industry, Sal got his start after leaving a career as a hairdresser and was mentored by industry veteran Frank, who introduced him to the business and shaped his client-first philosophy. Over the past decade, Sal has built a reputation as one of the go-to specialists in renovation lending — particularly FHA 203K loans — becoming a pioneer of what he calls "ending renovation discrimination" in real estate markets. He operates across nearly all 50 states and is known for working with complex borrower profiles that other lenders pass on: lower credit scores, higher debt-to-income ratios, and buyers with limited down payments. Sal has hosted seminars for real estate agents throughout Long Island, converting educational events into lasting referral partnerships. He is NMLS licensed (#1489171) and is part of the Capo DiBug Team Northeast at New American Funding.
 

Connect With Sal Rizzolo

Instagram: @salrizzolo
Instagram: instagram.com/salrizzolo

LinkedIn: linkedin.com/in/sal-rizzolo-6802a7181

New American Funding Profile: newamericanfunding.com/mortgage-loans/SalRizzolo

 

 

About Justin:

Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

Instagram: @thejustincolby

YouTube: Justin Colby

TikTok: @justincolbytsof

LinkedIn: Justin Colby

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In this episode, I sit down with my guy Matt Porcaro — the founder of The 203K Way — who breaks down one of the most underutilized financing strategies in all of real estate: the FHA 203K renovation loan. Matt shares how he turned a $9,500 down payment into over $180,000 in equity in just eight months by purchasing a run-down Long Island duplex, wrapping the renovation costs directly into his mortgage, and living in one unit while the tenant in the other essentially covered his housing costs. We go deep on how this loan works for first-time buyers, existing homeowners who want to renovate without touching their cash, and even real estate agents who need a fresh edge in a slow inventory market. We also get into the exploding world of ADUs — accessory dwelling units — and how new FHA, Fannie Mae, and Freddie Mac guidelines are opening up virtually the entire single-family housing stock to house hackers who know where to look. If you've been sitting on the sidelines waiting for rates to drop or inventory to open up, this episode will completely change how you think about the opportunity in front of you right now.

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If you're looking to build passive income through multifamily real estate, Elevest Capital gives you access to exclusive apartment investments not available to the public. Non-accredited investors can participate with as little as $10,000.

Get on the Investor List: lfscapital.com

 

 

In this episode of The MORE Show, I sit down once again with my good friend and business partner Adam Williams, Founder and CEO of Elevest Capital, for a raw and real conversation about what it truly takes to build lasting wealth through real estate. I open up about one of the most painful chapters of my career — losing millions of dollars after scaling too fast, trusting the wrong person, and being too stubborn to pivot out of single family despite being warned by both Adam and Grant Cardone. Rather than wallow in it, I want this story to empower you: there are smarter, more scalable, and more tax-efficient ways to build wealth than grinding through fix-and-flip or single family rentals. Adam breaks down why right now is a once-in-a-cycle perfect storm for multifamily apartment investing — with properties trading at 30-40% discounts, organic rent growth returning, demand outpacing supply, and 100% bonus depreciation back on the table thanks to the One Big Beautiful Bill — and how through the MORE Club, everyday investors can get into $40M apartment deals with as little as $10,000, even without being accredited. This episode is about getting out of your own way, finding the right community, and taking real action toward financial freedom.

 

 

About Justin:

Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience.

Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence.

Connect with Justin:

Instagram: @thejustincolby

YouTube: Justin Colby

TikTok: @justincolbytsof

• • LinkedIn: Justin Colby

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