"Oh, I’d scrap all this, yeah. Yeah, I’d scrap all this to be… You always hear these guys say, “I wouldn’t change it because it made me the man I am today.” The man I am today is a fucking 54-year- old scumbag, multiple felons, starting my life over broke, living off of scraps, trying to make YouTube work. I’ve got two dead parents. I’m divorced. I have a son that doesn’t talk to me. I have a son that doesn’t talk to me for good reason, not because of a misunderstanding, because he understands. You can’t even argue with him, he’s got a powerful argument. “I don’t want to be a part of this guy’s life. He’s a scumbag. He stole money. He went on the run. He abandoned me when I was three years old. I don’t want anything to do with him.”"

"And the truth is, and this is a horrible thing to say, because the first time I ever heard somebody say this, I remember thinking, “Oh, that’s a horrible thing to say.” Some people should not own a house. They shouldn’t be allowed to borrow. They’re not in a position financially. And there were many occasions where I put someone in a house that they 100% swore they could afford. I was helping them. I told myself I was helping them, and a year and a half later, they’re going into foreclosure. Their stuff’s on the corner, they don’t know where to go. And the truth is that I’m not smarter than the actuaries that came up with those underwriting guidelines."

"Well, what I realized through the course of… Because eventually I ended up leaving that one company and I opened my own mortgage company. When I opened that mortgage company, I was on the inside. Does that make sense? I wasn’t just a broker that was sitting out with everybody else and would periodically come in and ask questions or would call underwriting, but I really didn’t understand what was happening and exactly what the underwriting guidelines were. Now, I was actually talking to the underwriters and you’re talking to the owners of the lending institutions and the banks, and you’re talking to all of the account executives."