Affordable Housing Investing: Manufactured Homes, DSCR Loans & Cash Flow | Anise El Hayani

Anise El Hayani (00:00)
On a quarter market right now, it’s affordable housing. Based on the economics, based on everything we have right now, affordable housing is the way to go. The way I develop homes right now, that basically we get lands, we bring electrical water, I work in our rural area, so we use septics mainly, and bringing brand new manufacturing home and selling it as affordable housing for buyers.

to be able to qualify and be able to have that payment between like $1300 and $1500 and keep that affordable cheaper than for them renting an apartment.

Scott Bursey (01:54)
Welcome back to the *Real Estate Pros* podcast powered by Investor Fuel. Glad you’re with us. I’m your host, Scott Bursey. And today we’re delighted to have Anise El Hayani in the studio. Anise brings over sixteen years of high level experience in the mortgage industry. Having served as a top producer at Wells Fargo, he has successfully pivoted that expertise into owning and managing a diverse portfolio of local and international properties.

Listeners, you can expect to learn how Anise leverages his deep understanding of lending to fuel his current real estate investments in the competitive San Antonio market. Anise, welcome to the show.

Anise El Hayani (02:34)
Thank you for having me. Appreciate it Scott.

Scott Bursey (02:37)
It’s awesome having you here and to help our listeners get up to speed. Please give us the ninety second highlight reel of how your career ignited and where you’re pouring your fuel now.

Anise El Hayani (02:48)
Yes, so I started this business back in 2003, back in Michigan, and then moved to Texas in 2007. I’ve been in the mortgage industry for 16 years, but the real estate since 2003. Went through the 2008 great financial, and right now I’m focusing on just affordable housing, manufacturing rooms, building them, developing them, and selling them as affordable FHA homes.

Scott Bursey (03:10)
That is a classic journey. The discipline you picked up in the corporate lending world clearly laid the foundation for the massive moves you’re making now. Thank you for highlighting that, Anise. And what really caught my attention about you was the way you’ve been able to seamlessly translate high level mortgage expertise into your own real estate investment strategy. And expanding on that, how has your deep mortgage background been the secret way of

weapon, if you will, in securing deals in San Antonio.

Anise El Hayani (03:41)
100 % yeah, that helped me a lot by being an emoji broker being in the side starting the bank the one the short sales for five years kind of give me the foundation then move into the being like a motion broker since 2020 it kind of Give me the whole overlook of the financial system. So we have all this opportunity to get to work with the SCR loans, which is

for people that listen, that service coverage ratio that helps you pick a home based on the rental revenue covering your payment. So these are the opportunities I learned. I work with a lot of investors in San Antonio and the Sonoran area, help them with their mortgage needs and as well for myself by investing on real estate and building my portfolio in the past 10 years.

Scott Bursey (04:31)
And Anise wondering what was the hardest lesson you learned when you first transitioned from being a loan officer to a full time property investor?

Anise El Hayani (04:40)
Yes, it’s the journey for me like a start working in and from a loan officer to become an investor, looking for financial freedom, know, trying to be able to travel, be able to, bring enough revenue for and create that wealth for the future, for a generation. So for me, this is the main goal to do for doing this.

being in real estate is going through everything, seeing 2008 and growing over that and going to the current time. So maneuvering with current interest rate right now. So finding the opportunities.

Scott Bursey (05:18)
Love to hear your thoughts on this. With your success in international properties, where do you see the biggest untapped potential in the current market?

Anise El Hayani (06:16)
On a quarter market right now, it’s affordable housing. Based on the economics, based on everything we have right now, affordable housing is the way to go. The way I develop homes right now, that basically we get lands, we bring electrical water, I work in our rural area, so we use septics mainly, and bringing brand new manufacturing home and selling it as affordable housing for buyers.

to be able to qualify and be able to have that payment between like $1300 and $1500 and keep that affordable cheaper than for them renting an apartment.

Scott Bursey (06:50)
Anise, thinking about your journey, how are you protecting your portfolio against the current shifts in the in the mortgage and lending landscape?

Anise El Hayani (06:59)
Yeah, so I use leverage and things are different right now. Before you can work with money like a little money down. I with this current market, you have to have more kind of skin in the game. You have to more cash to work, 30 to 40 % down to leverage the interest rate and to make sure you have enough money coming in enough cash flow that common So as a

As I say, it’s a basically there’s three things I work on, is like slow, medium and fast money. Fast money is my work in mortgage, medium is doing the land package and slow doing the rental properties.

Scott Bursey (07:37)
That’s some smart strategy right there. And interested to get your take on this. What is the one skill you use every day that keeps you ahead of the competition in San Antonio?

Anise El Hayani (07:49)
By making sure, reducing the cost of my build so I keep things affordable for buyers, find the right deal, the right property, making sure I find the right homes, like a modern looking at the same time, like, affordable for people to be able to enjoy.

Scott Bursey (08:46)
It really comes down to execution and speed, doesn’t it?

Anise El Hayani (08:49)
Yes, it does. it’s basically it’s the way you do it. You have to have we have to keep our inventory. So we make sure I make sure I have enough land going on the project and speed because electrical you have to make sure that the electrical water these things takes time. So you have to time to get like four lands in the same time work on two in the same time. So you keep your inventory going. So you’re not losing the time of money for getting homes. So

Scott Bursey (09:13)
Anise, if you could take us down the path of what is your professional network look like right now?

Anise El Hayani (09:18)
Right now, we’re looking at about, I have about 15 single family. And I do international homes. I have about three international homes. One is Airbnb, which has been very successful for the Airbnb based on me turning the location and 15 homes all over San Antonio and outside the square of San Antonio. And I do the land package, which I do about four homes a year.

So.

Scott Bursey (09:41)
Appreciate you highlighting that. And Anise, curious, if you had to start over in a new city today with only your current knowledge, let’s say, what is the first move that you’d make to build wealth?

Anise El Hayani (09:55)
So first I will go to local real estate investing and meet people, get a mentor who can help you, who’s been in the business and where you can learn about investing and learn about the area. And then I will focus on affordable housing. Affordable housing is going to be here and it’s not going to go away anytime soon.

Scott Bursey (10:16)
It’s all about the fundamentals and building relationships from day one. Completely understand. And Anise, is there any additional words of wisdom, any final words that you’d like to leave with our listeners here today?

Anise El Hayani (10:31)
Yes, I would just don’t let this time real estate is about it’s a cycle in real estate. So don’t give up on real estate. It takes 10 years to build any portfolio or to see anything growing because starting it. You might see it now as an interest high. But when the time that will happen, 2021, 22, it’s not going to happen again. but having that.

Real estate, having your portfolio, growing value, using all your tax benefits, know, as own a real estate, it will help you offset any income you have. Real estate, it’s a great thing and it’s not gonna go away. It’s like I remember my grandfather, like he was, real estate, that’s how it was, my old grandfather, that’s when he started.

that’s 100 years ago.

Scott Bursey (11:18)
Powerful. Very powerful. Thank you for that. And for those of our listeners, Anise that like to keep this conversation moving, stay in your lane, collaborate with you. What’s the best way for them to plug into your pipeline and reach you directly?

Anise El Hayani (11:32)
Yes, they can reach me my information here. I’m on social media. My name is Anise El Hayani. can find it on Instagram, TikTok, Facebook. Also, they can reach me directly. I can provide my email address and all that.

Scott Bursey (11:48)
Anise, thank you so much for joining us today on the *Real Estate Pros* podcast.

Anise El Hayani (11:52)
Thank you. Thank you Scott for having me.

Scott Bursey (11:54)
It has been an absolute pleasure. And to our listeners, we appreciate you. If you receive value from today’s episode, please subscribe. We’ll be filling your tanks with a lineup of a leak guest, just like Anise, who are accelerating and setting the pace for the rest of the industry. Until next time, keep your standards high and your vision clear. We’ll see you in the next episode, everyone.