GET THE BAG BIBLICALLY
How believers with a paycheck buy a cash-flowing rental without hustle culture or prosperity preaching.
WITH UNCLE THEO
CLOSE THE OTHER TABS.
PHONE FACE DOWN.
PHONE FACE DOWN.
What I’m about to show you is what I actually do. Not theory.
Let me ask you something
You go to work.
You pay your tithes.
You serve.
You do things the right way.
SO WHY DOES IT FEEL LIKE EVERYBODY ELSE IS HOOPING…
…AND YOU’VE NEVER SEEN THE BALL GO THROUGH THE HOOP?
My promise for this hour
BY THE END, YOU’LL KNOW THREE THINGS.
Your Paycheck
Why it’s a better starting point than you think
Your Motives
How to want more without loving money
Green or Red
How to tell in 10 minutes if a property pays you or costs you
What I am NOT going to do
Tell you God wants everybody rich.
Tell you to speak a house into existence.
Tell you to quit your job. Your job might be the best thing you’ve got going.
Two quick things
Stay To The End
The fastest way I know to put all of this to work
Play Green or Red
A real-looking deal. You vote in the chat.
Let me take you back
SOUTH JACKSON, MISSISSIPPI.
SINGLE PARENT HOUSEHOLD.
SINGLE PARENT HOUSEHOLD.
PSYCHOLOGY DEGREE. BACK HOME.
I’M READY.
I’M READY.
HR slides a piece of paper across the table
and some change, an hour
a year. Mental health case worker.
I WENT HOME, PUT MY HEAD UNDER A PILLOW,
AND I CRIED.
AND I CRIED.
I NEEDED THAT PRESSURE.
THAT NIGHT, AN ENTREPRENEUR WAS BORN.
Here’s the part nobody tells you
THAT SAME $20K JOB QUALIFIED ME FOR AN FHA LOAN.
SO I BOUGHT A DUPLEX.
One side me, one side a tenant
MY SIDE
I lived here.
VS
THEIR SIDE
They paid rent.
The rent paid my mortgage.
PHOTO
Theo’s first duplex (or any photo of it). If none exists, this stays a graphic.
Save as: theo-duplex.jpg
THE PAYCHECK I CRIED ABOUT
BOUGHT MY FIRST PROPERTY.
BOUGHT MY FIRST PROPERTY.
That’s the whole class
IN ONE STORY.
Now let me show you how it works, and how to do it the right way.
What happened after the duplex
IN JACKSON, I WAS ONE OF THE FIRST DOING DIRECT MAIL.
Before everybody else caught on.
My first wholesale deal
I DIDN’T BELIEVE PEOPLE HAD $100,000 SITTING IN THE BANK.
on the first deal. Somebody paid $100K for the house.
THE FIRST TIME I SAW THE BALL GO THROUGH THE HOOP.
Nobody could tell me anything after that.
[CONFIRM WITH THEO BEFORE RECORDING]
SIX-FIGURE MONTHS.
SOME SEVEN-FIGURE YEARS.
SOME SEVEN-FIGURE YEARS.
My story, not a promise. Results vary.
[PERMISSION: MOM STORY]
THEN MY MOM PASSED.
SHE DIED IN MY ARMS.
SHE DIED IN MY ARMS.
THEO, ARE YOU GOING TO CHASE THIS YOUR WHOLE LIFE?
OR ARE YOU GOING TO MAKE SURE YOU’RE WHOLE?
I WALKED AWAY. I WENT TO SEMINARY.
I needed to prove to myself that I didn’t love money. And I answered that question.
Today
Domestic Missionary
I help plant churches. No church salary.
Real Estate
Funds the ministry
[CONFIRM: 300+] Doors
Property management, mostly automated
Proof
SCREENSHOT
Theo’s property management software showing total doors under management (blur owner names and addresses).
Save as: theo-pm-dashboard.png
Every time somebody taught real estate
Positive thinking.
Motivation.
Grind. No sleep.
Hustle culture.
THAT’S NOT MY LANGUAGE.
I DO IT FROM A PLACE OF REST.
I DO IT FROM A PLACE OF REST.
I’VE OUTWORKED THE GRINDERS IN MY MARKET WITH FEWER HOURS.
That’s what I want to teach you.
What I’ve noticed about believers and money
MOST OF US THINK THERE ARE ONLY TWO OPTIONS.
Option 1
MONEY IS WORLDLY.
STAY AWAY FROM IT.
STAY AWAY FROM IT.
Be humble. Be content. Don’t want more.
Option 2
GO GET IT LIKE THE WORLD GETS IT.
Grind. Hustle. Name it and claim it. Sow a seed and wait for the harvest.
NEITHER ONE FEELS RIGHT.
SO GOOD PEOPLE PICK NEITHER.
SO GOOD PEOPLE PICK NEITHER.
So nothing happens
The paycheck comes in.
The paycheck goes out.
Ten years later, you’re still watching everybody else hoop.
Option 3
THERE’S A THIRD OPTION.
WEALTH IS A STEWARDSHIP ASSIGNMENT.
Not a status. Not a sin. An assignment.
The one belief
OLD
To build wealth I have to love money or have money.
I don’t want the first. I don’t have the second.
VS
NEW
My paycheck is seed.
Motives, money and math in order: a property that pays, from rest.
The way you get there is three words
Open the scriptures. Run the numbers. Examine the assumptions.
SAY IT WITH ME IN THE CHAT
SCRIPTURE. NUMBERS. ASSUMPTIONS.
Secret 1
YOUR PAYCHECK IS SEED,
NOT A CEILING.
NOT A CEILING.
WHAT DO YOU THINK YOU NEED TO BUY REAL ESTATE?
Type it in the chat.
What I see every day as a broker and property manager
A STEADY W-2 JOB IS ONE OF THE STRONGEST BUYERS IN THE ROOM.
Reason 1
LENDERS LOVE A PAYCHECK.
That’s what got me the FHA loan. Not money in the bank. A job.
Reason 2
A PAYCHECK LETS YOU BE PATIENT.
You don’t need a deal to eat. You can walk away from a bad one.
Reason 3
A PAYCHECK IS SEED.
He who supplies seed to the sower and bread for food…
2 Corinthians 9:10
Seed and bread are not the same thing
BREAD
You eat it.
Most people eat all their seed.
VS
SEED
You plant it.
A steward sets some aside.
NOT “HOW MUCH DO I MAKE.”
“HOW MUCH OF IT IS SEED?”
GRAB A PEN.
Three numbers. Don’t overthink it.
Your margin
1. Comes In
Every month, after taxes
2. Goes Out
Every month
3. Subtract
What’s left is your seed
If you wrote a zero, hear me
THAT IS NOT WHO YOU ARE.
THAT’S YOUR SETUP.
THAT’S YOUR SETUP.
And setups can change.
GRABBED THE STARTER KIT?
Pull up your Readiness Workbook. Your margin goes on page one.
Readiness is not just money
Family
Your responsibilities
Time
What you actually have
Risk
What you can carry and still sleep
Prepare your work outside; get everything ready for yourself in the field, and after that build your house.
Proverbs 24:27
FIELD FIRST.
HOUSE SECOND.
HOUSE SECOND.
Most people want the house before the field is ready. That’s how they get hurt.
Secret 2
WANTING MORE IS NOT LOVING MONEY.
WHO GREW UP HEARING “MONEY IS THE ROOT OF ALL EVIL”?
Type YES in the chat.
That’s not what it says
For the LOVE OF money is a root of all kinds of evil.
1 Timothy 6:10
MONEY IS A TOOL.
LOVE IS A DIRECTION.
LOVE IS A DIRECTION.
The question is never “do you have money.” It’s “what do you love.”
But I’m not swinging you to the other side
You shall remember the Lord your God, for it is he who gives you power to get wealth.
Deuteronomy 8:18
Hold it next to this one
…it is he who gives you power to get wealth.
Deuteronomy 8:18
The rich and the poor meet together; the Lord is the maker of them all.
Proverbs 22:2
GOD MADE THEM BOTH.
Foxes have holes and birds have nests, but the Son of Man had nowhere to lay His head.
Here’s what I am going to tell you
YOUR IDENTITY IS ALREADY SETTLED.
You are already loved.
You are already approved.
Your worth is not your net worth.
I’ve watched it happen
CIRCLE THE RETIREMENT NUMBER AND SAY “THAT’S WHAT I’M WORTH.”
That is such a small way to see yourself.
SETTLED IDENTITY: YOU HANDLE WEALTH.
UNSETTLED: WEALTH HANDLES YOU.
“I KNOW GOD IS GOOD.
HE JUST SKIPPED OVER ME.”
HE JUST SKIPPED OVER ME.”
HE DIDN’T SKIP YOU.
YOU’VE JUST NEVER SEEN THE BALL GO THROUGH THE HOOP.
That’s why we start small
See it go in once, and nobody can tell you anything after that.
How I do this every morning
JOSHUA 5
Before the battle you’d expect
A battle plan.
Train the men.
Sharpen the swords.
GOD TELLS HIM TO CIRCUMCISE THE WHOLE ARMY.
Right before the battle. On purpose.
SO THEY WOULD DEPEND ON HIM.
Not on their strategy.
My mornings
THEM
Wake up.
Straight to the bag.
VS
ME
First hour with God.
Scripture. Prayer. Quiet.
BY THE AFTERNOON, I PASS THAT GUY.
Fewer hours. I’m working from rest. He’s working from fear.
Examine your motives before any deal
Why do I want this? The real answer, not the church answer.
Who is this for? My family, my church, my future, or my ego?
What will I do when it works? Decide now, or the money decides for you.
Step one
OPEN THE SCRIPTURES.
IDENTITY BEFORE STRATEGY.
IDENTITY BEFORE STRATEGY.
Secret 3
YOU DON’T GET BURNED WHEN YOU EXAMINE THE ASSUMPTIONS.
I’M THE PROPERTY MANAGER WHO CLEANS UP THE MESSES.
The call I get every week
Out-of-state investor.
Bought sight unseen.
Because a wholesaler sent a beautiful spreadsheet.
What went wrong
Fudged Rent Roll
The rent was never real
Inflated ARV
The value was a guess
Flood Zone
Nobody mentioned it
LET’S PLAY GREEN OR RED.
Here’s a deal
$85,000
Purchase price
20% Down
Borrow $68,000 at 7.5%, 30 years
$475/mo
Mortgage
EXAMPLE NUMBERS • NOT A REAL PROPERTY • NOT A PROMISE
What the wholesaler sends you
Rent+$1,250
Mortgage−$475
Taxes−$90
Insurance−$60
Cash flow / month+$625
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
GREEN
CHAT: GREEN OR RED?
Would you buy it?
A LOT OF YOU SAID GREEN.
THAT’S EXACTLY HOW THEY GET YOU.
Now let’s examine the assumptions
WATCH.
Assumption 1: Rent • real comps on that street
Rent CHECKED+$1,050
Mortgage−$475
Taxes−$90
Insurance−$60
Cash flow / month+$425
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
GREEN
Assumption 2: Taxes • reassessed when you buy
Rent+$1,050
Mortgage−$475
Taxes CHECKED−$165
Insurance−$60
Cash flow / month+$350
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
GREEN
Assumption 3: Insurance • it’s in a flood zone
Rent+$1,050
Mortgage−$475
Taxes−$165
Insurance CHECKED−$185
Cash flow / month+$225
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
GETTING CLOSE
Assumption 4: Vacancy • the month it sits empty
Rent+$1,050
Mortgage−$475
Taxes−$165
Insurance−$185
Vacancy (8%) CHECKED−$84
Cash flow / month+$141
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
GETTING CLOSE
Assumption 5: Repairs • roof, water heater, HVAC
Rent+$1,050
Mortgage−$475
Taxes−$165
Insurance−$185
Vacancy (8%)−$84
Repairs (10%) CHECKED−$105
Cash flow / month+$36
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
GETTING CLOSE
Assumption 6: Management • toilets on a Saturday night
Rent+$1,050
Mortgage−$475
Taxes−$165
Insurance−$185
Vacancy (8%)−$84
Repairs (10%)−$105
Management (10%) CHECKED−$105
Cash flow / month−$69
EXAMPLE ONLY • NOT A REAL PROPERTY • NOT A PROMISE
RED
SAME HOUSE.
SAME PRICE.
SAME PRICE.
The only thing that changed is that we examined the assumptions.
WHAT THEY SELL YOU
+$625 a month
Green light
VS
WHAT YOU LIVE WITH
−$69 a month
Red light
YOU DON’T GET BURNED IN REAL ESTATE.
YOU GET BURNED BY ASSUMPTIONS YOU NEVER CHECKED.
Hear me
THIS DEAL, AT THIS PRICE, DOESN’T WORK.
At a different price, or a different street, it might be green.
That’s the whole skill
NOT FINDING A DEAL.
KNOWING IF IT’S GREEN OR RED BEFORE YOU SIGN.
Inside the Get the Bag Biblically OS
EXAMPLE CALCULATOR • EDUCATION ONLY
Let’s put it together
Step 1
OPEN THE SCRIPTURES.
Motives and identity before you look at a single deal. Your worth is not your net worth.
Step 2
RUN THE NUMBERS.
Readiness, margin, your enough number, and what you will and won’t buy.
Step 3
EXAMINE THE ASSUMPTIONS.
Rent, taxes, insurance, flood zone, vacancy, repairs, management. Green or red.
Our motives matter.
Our methods matter.
And the people affected by our decisions matter.
YOU CAN TAKE THIS AND DO IT ON YOUR OWN.
I mean that.
But I’ll be honest with you
I GAVE YOU THREE STEPS IN AN HOUR.
THE REAL PROCESS IS SIX.
SO LET ME SHOW YOU WHAT I BUILT.
THE BIBLICAL REAL ESTATE INVESTING OPERATING SYSTEM
And it comes with something I’m proud of
THE GET THE BAG BIBLICALLY OS
APP MOCKUP
The Get the Bag Biblically OS on a laptop and a phone (screenshot once the app is built).
Save as: gtbb-os-mockup.png
What it is NOT
Not a hype course.
Not “buy ten houses in ten months.”
My six steps, the exact way I do them, with the tools built in.
What you get • Module 1
FOUNDATION
Examine your motives. Identity before strategy. The three motive questions and the scriptures I go back to every morning.
What you get • Module 2
READINESS
Family, time, risk limits, your financial snapshot and your enough number. Plus the house hack path, the exact way I bought the duplex.
What you get • Module 3
GOALS + BUYING CRITERIA
What you will buy and what you won’t. Price range, neighborhoods, property type, the numbers it has to hit.
What you get • Module 4
FIND + SCREEN
Where deals actually come from, and how to screen ten of them in the time most people look at one.
What you get • Module 5
RUN THE NUMBERS + EXAMINE THE ASSUMPTIONS
Everything in Green or Red, plus how to verify a rent roll, check the ARV, pull the taxes, check the flood zone and price the insurance.
What you get • Module 6
STEWARD THE PROPERTY
Property management from someone who manages [CONFIRM: 300+] doors. Maintenance, reporting, reserves, and when to sell.
Where it stops being something you study
AND BECOMES SOMETHING YOU USE.
The Get the Bag Biblically OS
Your Motives
Work through all six steps, it keeps your answers
Your Readiness
Snapshot, margin and buying criteria
Cash-Flow Calculator
Green or red, on your own deals
Bonus 1 • [CONFIRM WITH THEO]
THE HONEST OFFER
My wholesaling playbook and the exact two-week seller script. No ghost ads. No fake cash buyer talk.
I don’t do things to stay out of jail. I do things to stay out of hell.
Uncle Theo
Bonus 2
OUT-OF-STATE DUE DILIGENCE CHECKLIST
Everything I check as the property manager who inherits the bad deals.
Bonus 3
PROPERTY MANAGER INTERVIEW QUESTIONS
How to hire somebody who won’t burn you, in five minutes.
Everything in one place
The Biblical Real Estate Investing Operating System • 6 modules
The Get the Bag Biblically OS app • with the Cash-Flow Calculator
Bonus: The Honest Offer
Bonus: Out-of-State Due Diligence Checklist
Bonus: Property Manager Interview Questions
I’VE WATCHED INVESTORS LOSE MORE THAN THIS ON ONE BAD ASSUMPTION.
One flood zone nobody mentioned. One rent roll that was a lie.
Your investment
for all of it
GET INSTANT ACCESS →[CONFIRM: payment plan line only if a plan is live on the checkout]
“LET ME PRAY ABOUT IT.”
I want you to. I mean that.
Pray about the right question
NOT THIS
“Should I spend $997?”
VS
THIS
“What does it cost me to keep doing it the way I’ve been doing it?”
REMEMBER THE DUPLEX.
Every month I lived there, a tenant paid my mortgage. Every month you rent, you’re paying somebody else’s.
The other cost
BUYING THE RED DEAL BECAUSE THE SPREADSHEET SAID GREEN.
Waiting costs you.
Rushing costs you.
DOING IT IN ORDER DOESN’T.
Questions I get
“ISN’T WANTING WEALTH UNSPIRITUAL?”
Wanting to steward well is spiritual. Loving money isn’t. That’s why Module 1 is your motives, before you ever see a number.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
Questions I get
“IS THIS PROSPERITY GOSPEL?”
No. God doesn’t promise everybody riches. I’m teaching stewardship and math.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
Questions I get
“I DON’T HAVE MUCH SAVED.”
Start where Module 2 starts: your margin, your readiness, the house hack path. I bought my first property on $20K a year.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
Questions I get
“I GOT BURNED BEFORE.”
Then you know why Module 5 exists. You got burned by an assumption nobody checked.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
Questions I get
“I’M NOT IN MISSISSIPPI.”
Neither are most people I clean up after. The Out-of-State Due Diligence Checklist is built for buying where you don’t live.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
Questions I get
“I’M BUSY. MINISTRY, FAMILY, A JOB.”
So am I. That’s why it’s an app you work through, not hours of video.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
Questions I get
“WILL THIS MAKE ME MONEY?”
I can’t promise that, and anybody who does is lying to you. I can promise you’ll know green from red before you sign.
Results vary. Theo’s results are his own and are not typical or a promise of what you will earn. Education only, not financial or legal advice.
After all these years
THE PEOPLE WHO BUILD SOMETHING THAT LASTS AREN’T THE ONES WHO HUSTLE HARDEST.
THEY’RE THE ONES WHO DID IT IN ORDER.
Click the button
Settle your motives.
Find your number.
Know in ten minutes if a deal is green or red.
One last thing, for a smaller group
SOME OF YOU WANT ME TO LOOK AT YOUR DEAL.
THE KINGDOM INVESTOR CIRCLE
90 days.
Every other week, as a group.
Real deals run live. Your property on the screen.
It’s not for everybody
Not one on one.
Not for anybody looking to get rich quick.
A short conversation with my team to see if it’s a fit. No pressure. No price on a page.
TALK WITH MY TEAM →Our motives matter.
Our methods matter.
And the people affected by our decisions matter.
LOVE YOU, FAMILY. UNCLE THEO.