Buying a Home

Come by anytime for the work from home happy hour.

REAL ESTATE INVESTOR MEETUP!!! Just an FYI tomorrow night at Ledo's Pizza on Liberia Ave in Manassas, VA we are having our monthly Real Estate Investor meetup from 6-8. Last month was a success we had lots of food and networking. I hope to see you there. We will be talking about how to find the shadow inventory, those houses that are sitting and no one is paying the mortgages and the banks are not foreclosing. It will blow your mind. 9658 Liberia Ave Manassas, VA 6-8pm.

Looking to grow your real estate network, stay ahead of market trends, and connect with like-minded professionals? Don’t miss our local REIA, happening the third Thursday of every month. Whether you’re an experienced investor, first-time borrower, or industry expert, you’ll gain valuable insight, strategic conversations, and meaningful connections that can help you take your business to the next level. Come for the knowledge, stay for the network.

*RESCHEDULED from Feb. 5* Please note: We have altered the route to avoid areas that may still have ice and/or will be too prevarious. We also changed the meeting place to start at Pierce Mill. If you previously copied the route and/or coordinates or address for the meeting place, please update your information. IMPORTANT: Some trail sections are wet and muddy. For your safety, hiking boots are needed. No shoes or boots with smooth soles. This will be a moderate \~5-mile hike in Rock Creek Park. We will start on the Western Ridge Trail and proceed north just past Military Road, connect to Beach Drive (paved; closed to cars) to return south, and finish with a visit to Pierce Mill and back to our starting point. Parts of this route are paved. **Meeting Point**: I recommend using the GPS coordinates below with Google Maps or another mapping application to get to the meeting point. I've added an alternative place to park in case the first parking lot is full. The two lots are about 1/4 mile apart. **Meet at:** Pierce Mill **Address:** 2401 Tilden St NW, Washington, DC 20008 * **GPS Coordinates:** 38.94043297401039, -77.05190300965273 **Meeting Time:** Plan to arrive at 9:45 so you will be able to meet everyone and sign the PATC waiver. Once the waiver is signed, we will begin the hike; we will begin walking at 10:00 AM.\*\* Please be punctual as my hikes begin on time. **Route:** Here is an AllTrails route in case you want to import this into a navigation device. https://www.alltrails.com/explore/custom-routes/custom-route-fbba55e?u=i&sh=pzrvpp **Contact Information**: Please use the comments feature for routine comments and questions. The hike Leader is Peter; 703-999-9435. Call or text as needed.

DMV’s largest Networking + Financial Workout Ever wonder why two people with the same paycheck end up in two different lives? Maybe one is working for the money… and the other has the money working for them. Have you ever gotten paid… paid rent, your car note, the basics… and it feels like your bank account snaps back to zero? If nothing changes, where does that put you by the end of 2026? Hosted by Corey Belin (QUEST Financial) You’ll walk out with: 🔸New relationships + who to connect with on Monday 🔸A clear understanding of the 3 ways money grows so you have a money strategy, not just a paycheck 🔸 The 5 houses of money mapped out (banking, retirement, real estate, stocks, insurance) so every payday your money has a home and a job Fair warning: this is not for people who want motivation. It’s for people who want a plan they’ll actually use on payday.

Learn more about our Home Buyer Program * get up to $202k in down payment assistance through HPAP * get up to $25K in grants from Maryland Mortgage Program * downpayment assistance options through DC Open Doors * how to qualify and what loans are available * loan application and approval process * repeat home buyer options * purchase price limits * market insight and home buying steps in a competitive market SIGN UP AT THE LINK BELOW: [https://www.enggarcia.com/egpwebinars/](https://www.google.com/url?q=https://www.enggarcia.com/egpwebinars/&sa=D&source=calendar&ust=1705256818169980&usg=AOvVaw0qgqMgQjduPHADDDggU6H6)

Every Saturday at 11am! RSVP at the following link to receive login details: https://www.enggarcia.com/hbscaphill/ The Districts Best first time home buyer webinar Learn about the home buying process How to qualify & what loans are available Qualifying for DC Open Doors and other programs Reduced down payment and closing cost opportunities We're looking forward to seeing you soon!

Every Saturday at 11am! RSVP at the following link to receive login details: https://www.enggarcia.com/hbscaphill/ The Districts Best first time home buyer webinar Learn about the home buying process How to qualify & what loans are available Qualifying for DC Open Doors and other programs Reduced down payment and closing cost opportunities We're looking forward to seeing you soon!

The [Simplicity Living Study Circle of Northern Virginia](https://www.coachingwithdanijk.com/study-circle) meets on the first Saturday of each month from 4:00 to 5:30 PM at Lacey Woods Park in Arlington, Virginia.\* **This is a rain or shine outdoor event.** This free community group offers a unique and empowering space for individuals seeking to live a simpler, more intentional life. Led by participant-driven discussions, our circle is designed to foster connection and support as members share their experiences, wisdom, and insights on simplifying their lives. Hosted by members of the Simplicity Living Circle of Northern Virginia, we aim to bring together like-minded people who are passionate about mindful living and environmental care. Whether you're new to the journey of simplicity or looking to deepen your practice, we invite you to join us in this nurturing and inclusive environment. \*This month's gathering was rescheduled due to hazardous conditions from the snowstorm in January. All other meetings will be held at the described time of month unless otherwise specified!

Please join us as we discuss **SOMEONE YOU CAN BUILD A NEST IN**, by John Wiswell. This queer romance novel won the Nebula and Locus Awards and was a Hugo nominee, and is a relatively short read, at about 363 pages. Please keep your RSVP updated and accurate! Space is limited for this event. We are intentionally holding some RSVP slots for new members specifically, so if you’re new and the event is full, please get on the waitlist ASAP! You may bring your own food/drinks (no alcohol, please) or you may pick something up in Mosaic or at the farmers market before the meetup. We do ask that you pack your trash out with you. * **[KINDLE](https://a.co/d/52iAE17)** * **[PAPERBACK](https://a.co/d/hYo70W5)** * **[AUDIBLE](https://www.audible.com/pd/Someone-You-Can-Build-a-Nest-In-Audiobook/B0CX7C9FQM)** **BOOK DESCRIPTION:** ***Shesheshen has made a mistake fatal to all monsters: she's fallen in love.*** Shesheshen is a shapeshifter, who happily resides as an amorphous lump at the bottom of a ruined manor. When her rest is interrupted by impolite monster hunters, she constructs a body from the remains of past meals: a metal chain for a backbone, borrowed bones for limbs, and a bear trap as an extra mouth. Badly hurt by the hunters, Shesheshen’s nursed back to health by Homily, a warm-hearted human. Homily is kind and would make a great co-parent: an ideal place to lay Shesheshen’s eggs so their young can devour Homily from the inside out. But as they grow close, Shesheshen realizes that eating her girlfriend isn’t an option. Just as Shesheshen’s about to confess her identity, Homily reveals something else: she’s hunting a shapeshifting monster that supposedly cursed her family. Has Shesheshen seen it anywhere? Shesheshen didn’t curse anyone, so now she has to figure out why Homily’s twisted family thinks she did. As Shesheshen’s hunt for the monster becomes increasingly deadly, the bigger challenge remains: learning how to build a life with, rather than in, the woman she loves. *\*Since missing one of these meetups is taking a spot away from someone else who wants to go, we'll need to have a stricter attendance policy than normal. For book discussions, 3 no-shows in a rolling 3-month period will prohibit you from attending any other book discussion for 2 months after your last no-show. In order to avoid a no-show, please update your RSVP no later than 10pm two nights before a discussion. Thanks for your understanding and cooperation! If you need to drop off because of Covid symptoms or exposure or a positive test or any other illness, there will be no penalty to no-showing or dropping late.*

Join us as we keep our boots moving this winter on a moderate 5 mile trail. Designed for steady pacing, fresh air, and community—because hiking is better together. Register Here: https://www.destinationhike.com/events/better-together-hike-3 Winter is on it's way out. Let's go and enjoy hiking fun and beautiful moderate trails. **Once you register, please look for a detailed email from info@destinationhike.com.** \* Excerpt from Destination Hike Waiver\* *Hiking is a recreational activity that has an inherent risk of danger. While hiking I may be exposed to dangers and hazards, not limited to: heat, stroke, dehydration, bee stings, tick bites, snake bites, loss of balance, inclement weather, falling rocks, fatigue, wildlife, negligence of others, drowning, and/or death. Please review full waiver prior to registering for any Destination Hike event.* How to prepare? 1\. Wear comfortable shoes\. If you have hiking boots that would be preferred\. However\, if you have not committed to buying hiking shoes\, wear comfortable tennis shoes\. 2\. Check the weather for the day and dress appropriately\. When you are hiking in the Winter\, you need to pay attention to what the weather may be for that day\. The start of the hike will be cooler than the the end of the hike\. You still will want to dress in layers\, as you will start off cold\, but as we move you will warm up\. Also\, make sure you wear solid footwear with grips on the bottom\. Hiking boots are strongly encouraged\. Winter can bring snowy trails that can be slick if you are not wearing appropriate footwear\. 3\. Bring a small to medium size back pack\. This is to carry any personal items; cell phone\, water\, personal medication\, and any other items you may need\. 4\. Always bring a at ***least*** 1L of water. Make sure you have hydrated the day before, and the day of the hike. 5\. Remember\, there are no bathrooms in nature\, so stay hydrated but make sure you are good to hike without needing a bathroom\. If you do need to use the bathroom\, nature will be your stall\. 6\. Suggested: Download the AllTrails app\. Trail app will be provided in confirmation email\. Any additional questions, comments, or concerns, email info@destinationhike.com

**Understanding the Columbus Housing Market: Let’s Talk Downsizing for Seniors** Understanding the Market to Make Your Best Move Yet Thinking about downsizing or helping a parent prepare for a move? Join us for a friendly, educational seminar designed specifically for seniors in Central Ohio. We’ll break down what’s happening in today’s Columbus housing market, explore timing and planning for downsizing, and discuss easy ways to prepare a longtime home for sale—without overwhelm. You’ll also learn about low‑maintenance housing options, financial considerations, and simple steps to make your next move smooth and stress‑free. This is a relaxed, no‑pressure event where you can ask questions and get practical advice tailored to seniors and their families. Hosted by: Katie McCartney, Broker & Senior Real Estate Specialist® (SRES)

#### Turning Rentals Into Income: How Investors Pay Off Properties Faster #### **Featuring Guest Speaker: John Blackburn** **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** #### A lot of people get into real estate because they want freedom. Then they buy a rental…and realize most of the rent goes straight to the bank. They technically own property, but the mortgage controls the income. And waiting 30 years for properties to be paid off doesn’t feel realistic. This meetup is about understanding a different way to think about rental properties… one that focuses on paying them off sooner so the income is actually usable. **Featured Guest Speaker: John Blackburn** We’re excited to welcome John Blackburn as our guest speaker for this event. John has been actively investing in real estate since 2006 and has: * Been involved in **5,000+ real estate transactions** * Helped investors **acquire over $150 million in rental property** * **Raised more than $100 million** in private capital John didn’t start with family money or shortcuts. He built his portfolio by focusing on clear systems, real numbers, and long-term strategy. For this meetup, John will walk through how investors shift their focus from simply owning rentals to building properties that eventually pay them…without a mortgage attached. **What You’ll Learn** John will break down, in simple terms: * Why most rental properties don’t produce much usable income early on * Why buying more rentals isn’t always the answer * How investors structure their properties to pay off mortgages in a fraction of the time * How properties can work together to eliminate debt faster * What changes once rentals become free and clear This approach is often referred to as an accelerated paydown strategy — using rental income intentionally to reduce debt sooner, rather than waiting decades for mortgages to run their course. John will also share a simple calculator you can use to see how this works with real numbers and realistic scenarios. **The Core Idea** When a rental has a mortgage, the rent has one job: **pay the bank.** When a rental is paid off, the rent has a different job: **pay you.** Most people only see one timeline…30 years. This session shows how investors shorten that timeline and gradually increase their income as properties become free and clear. **Who This Event Is For** This event is for people who want more than just “owning rentals” on paper. * Rental owners who are tired of most of the rent going to the bank and want a clearer path to real, usable income * New investors who want to understand how rental properties actually build wealth over time before jumping in * People with capital who want to invest in real estate with intention and a long-term plan * Anyone serious about freedom and curious how rental properties transition from debt-heavy assets into income-producing ones **Event Details** **Location:** Ohio Brewing Company - 421 E 2nd Ave, Columbus, OH 43201 **Date & Time:** January 25th, 6–8 PM (Doors open at 5:30) **Cost:** Free (Seats are limited - RSVP required) **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** If you’ve ever wondered how rental properties actually turn into freedom —this is the room to be in.

This is not just a money class. This is a restoration space. The I AM Worthy of Ownership™ Path is a 12-step, sister-centered journey for women who are ready to build financial stability without shame, fear, or pressure—and to do it in a way that honors both wisdom and the spirit. Many women don’t struggle with money because they lack discipline or intelligence. They struggle because of unhealed experiences, survival patterns, and the quiet belief that they are “behind” or “disqualified.” This series gently challenges those beliefs while offering practical tools for peace, clarity, and long-term planning. Together, we will talk honestly about: Releasing shame and money anxiety Building stability as a form of self-respect and spiritual discipline Understanding money as a tool, not a source of worth Managing debt with clarity instead of condemnation Preparing for life’s unexpected moments without fear Laying a calm foundation for future ownership and legacy Each session blends practical financial education with reflection, conversation, and encouragement. There is no pressure to share personal numbers or experiences. You are welcome to speak, journal quietly, or simply listen. This is not about hustle. This is not about perfection. This is about alignment, wisdom, and peace. Who this series is for: Women who are starting over or rebuilding Women who want stability without stress Women preparing for future ownership or housing decisions Women who want their financial lives to reflect wholeness, not fear No prior financial knowledge is required. Come as you are. Bring a notebook. Leave a little lighter than you arrived. Light refreshments will be served along with 30 minutes of networking.

Communication is everything in life You are only as successful as your ability to communicate. \- What if you could confidently talk to anyone? \- What if you had the ability to calmly control every conversation? \- What if you could close that sale\, ask for that date\, make new friends\, repair problematic relationships\, get that raise\, or effortlessly express any idea with confidence? You can! The secret to success relies on your ability or inability to effectively communicate. Attend a free seminar and gain a better ability to communicate. Hosted by the Church of Scientology of Central Ohio 1266 Dublin Road, Columbus, OH 43215 For more information, contact Rhiannon, the Event Host at 614-221-5024

If you are interested in selecting investment choices for your 401(k) or other workplace savings plan, minimizing your income tax liability, or identifying the most effective investments for your brokerage account, we are the group for you. We are a local chapter of Bogleheads**®**, whose investment strategy can be found here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Or you can peruse the Boglehead forum here: https://www.bogleheads.org/index.php I look forward to seeing you there. Mark Vonder Haar