23 Year Old Owner Operator with Two Hotshot Trucks Making $40,000 / Month | CDL vs NON CDL SETUP

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  • Опубліковано 29 жов 2022
  • Email : mike.davis@logrock.com
    If you need help with anything Insurance related for new ventures or renewals, please book a call with me on the link below. (IT'S COMPLETELY FREE)
    forhire.pro/meetmike
    LINKS FOR ALL AFFILIATES BELOW:
    Link for RTS Below! Factoring / fuel cards!
    www.rtsinc.com/agent-company/...
    Links for free 30 days of DAT LOAD BOARD!!
    www.dat.com/power/0002039357
    www.truckersedge.com/0002039357

КОМЕНТАРІ • 223

  • @entremike
    @entremike  2 місяці тому

    Email : mike.davis@logrock.com
    If you need help with anything Insurance related for new ventures or renewals, please book a call with me on the link below. (IT'S COMPLETELY FREE)
    forhire.pro/meetmike
    LINKS FOR ALL AFFILIATES BELOW:
    Link for RTS Below! Factoring / fuel cards!
    www.rtsinc.com/agent-company/entre-mike
    Links for free 30 days of DAT LOAD BOARD!!
    www.dat.com/power/0002039357
    www.truckersedge.com/0002039357

  • @DopeBoysofAtlanta
    @DopeBoysofAtlanta Рік тому +30

    Ain’t no way you making 40k a month if you can’t even get a hotel 2 nights out the week. And you ain’t got that window fixed yet. Nah. This 🧢

  • @truckingwithbigmitch5711
    @truckingwithbigmitch5711 Рік тому +22

    Click bait u ain’t making 40k a month with shots the rates are

  • @hawthornetransport
    @hawthornetransport Рік тому +18

    Yooo get 8ft drops for both trucks don’t limit yourself to loads. 4-6 aren’t really a thing nowadays with loads most are 8ft so I tell my drivers just get 8ft so we not missing no meals! ✍🏿

  • @maclarry3687
    @maclarry3687 Рік тому

    Thanks for tip. Am ready to do what it takes

  • @elchrispr7873
    @elchrispr7873 Рік тому +171

    On god i got the same jacket😂i found it in the trash, i got class B i just got my Permit for A im quitting my job in a few days and goin to school full time, i know y’all don’t know me like that but please send some prayers please good video🙂

  • @entremike
    @entremike  Рік тому +7

    ua-cam.com/video/RDCy3bEq1-E/v-deo.html
    This video could help for potentially interested people! Free video on startup cost plus connects to help you with load boards/ insurance / equipment/ & more! Thanks for showing love guys!

    • @davidprice1164
      @davidprice1164 Рік тому

      What kind of paperwork do you need for a hotshot?????

  • @dillonbrown336
    @dillonbrown336 Рік тому

    Keep Pounding Bro thinking about doing the same

  • @javarrisjohnson57
    @javarrisjohnson57 Рік тому

    Salute bro great job ❤️ subscribed

  • @tiffanyjackson4032
    @tiffanyjackson4032 Рік тому

    Hello would you recommend Starting a Hotshot biz in 2022? Where would you run? What type of freight?

  • @greattestimony4111
    @greattestimony4111 Рік тому

    youre doing great 👍 with low overhead less room for loos

  • @WeaverMTN
    @WeaverMTN Рік тому +1

    Dig the sleepers man!

  • @Btlhoonyah
    @Btlhoonyah Рік тому +3

    We came a long way my boy🔥💪🏾

  • @sahvionmebane8959
    @sahvionmebane8959 Рік тому +8

    where do you go online to get loads at?

  • @frankswain2213
    @frankswain2213 Рік тому

    Props for doin ur thing but the height an width of the beds looked off. Just wondering if you've been checked on those?

  • @RCenal
    @RCenal Рік тому

    Nice set up

  • @blacktempo77
    @blacktempo77 Рік тому

    Brother doing it!!!

  • @donaldgaff2271
    @donaldgaff2271 Рік тому +77

    Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 40 (a retired driver) and my wife 34 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive incomee..

    • @Alexedmartin.
      @Alexedmartin. Рік тому

      Nice one Donald.Any investment tip?. I would love to know how you made it this far

    • @donaldgaff2271
      @donaldgaff2271 Рік тому +1

      @@Alexedmartin. There are many lucrative investments out there. I always tell people that saving is good, but investing is best. If you keep your money in the bank, you cannot make profits. You also have to give up a lot when it comes to saving. My advice is that before considering investing, you should consult an investment advisor first so you don't make a mistake or regret it later. I started Investment with the help of a financial expert Regina Louise Collaro , she is quite popular for her services so you might have heard of her. I earn on a monthly basis through passive income with her Financial aid

    • @Alexedmartin.
      @Alexedmartin. Рік тому

      @@donaldgaff2271 I value your recommendations. It's challenging to locate a trustworthy person. I could really use your investment advisor after seeing how much money you've made through investing. If you don't mind revealing her information, that is.

    • @donaldgaff2271
      @donaldgaff2271 Рік тому

      @@Alexedmartin. By looking for her name online, you can quickly uncover her information. She recently appeared on CNN and she is really simple to deal with no matter where your location

    • @emeldcentor1474
      @emeldcentor1474 Рік тому

      @@donaldgaff2271 I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .

  • @CodeResp
    @CodeResp Рік тому

    Hella work load 🤙🏻

  • @Onebad400SS_BSS
    @Onebad400SS_BSS Рік тому +3

    Awesome setups brother!!!! I just got my first truck and trailer non cdl

    • @MayorMcheese12
      @MayorMcheese12 Рік тому +5

      Just get a cdl dude. You'll be way more comfortable driving a big rig than sleeping in a pick up and you can haul way more

    • @Steps.To.Sucess
      @Steps.To.Sucess Рік тому +1

      @@MayorMcheese12 facts

    • @mikelopez4148
      @mikelopez4148 5 місяців тому

      What truck ?????

    • @Onebad400SS_BSS
      @Onebad400SS_BSS 5 місяців тому

      @@mikelopez4148 I got a 2500 Megacab ram

  • @neilshah2867
    @neilshah2867 Рік тому +2

    question brother, on the NON CDL set up where you have the trailer D rated to 12k GVWR, does that mean you can only put total 12k lbs of car curb weight on the trailer. so basically two cars 6k LBS each max. i was thinking about getting the ram2500 single axel trademans 2023 since it weights less and GVWR is 10k lbs, i would be able to get a trailer of 14k lbs and basically have myself more weight to carry? i am NON CDL so wanted to know if its possible to do 3 cars? or would i have to stick to 2 cars?

  • @sahvionmebane8959
    @sahvionmebane8959 Рік тому +7

    how do you get loads?

  • @southernslangerz2254
    @southernslangerz2254 Рік тому

    I just graduated Diesel Academy in the 23rd
    Any advice or tips?

  • @rooster72886
    @rooster72886 Рік тому +15

    Non cdl 10,000 maximum anything above 10k a cdl is required but why limit yourself just get the cdl and proper knowledge and whatch your business sore knowledge is power keep up the good work my guy

  • @adventuresintrucking1995
    @adventuresintrucking1995 Рік тому +18

    Love the content man im out of GA too.. been watching you for over a year now and im proud of you for making that change to CDL. Im 27 and have my CDL too and started a channel just to document our journey and its been a great experience for us. Ive been in it for over a year now and he’s been doing it since ‘99.

    • @entremike
      @entremike  Рік тому

      Thanks for showing love! I haven’t commented on your guys channel, but I’ve watched every video! Great content!

    • @adventuresintrucking1995
      @adventuresintrucking1995 Рік тому

      @@entremike dang thats crazy lol .. well thanks for watching our vids too! Your content is amazing too! Idk if you watch JB truckn but i talk to him about 2-3 times a week on the phone.. really cool dude man

    • @entremike
      @entremike  Рік тому

      @@adventuresintrucking1995 email me! I’ll hit you up tomorrow

    • @32dsmitty
      @32dsmitty Рік тому

      KEEP POUNDING !!!

  • @tretatt
    @tretatt Рік тому

    If I’m just getting ready to get started and just purchased a 40’ gooseneck flatbed trailer. Is it smart or even possible to rent a truck u til I can afford to buy one? Man would love some info

  • @troymclure8172
    @troymclure8172 Рік тому

    Nice rigs

  • @nbob402
    @nbob402 Рік тому

    Informative.

  • @TheAbdulhaqq
    @TheAbdulhaqq Рік тому

    I’m in the process of getting my Class A I got my learners already but I’m trying to start my own building hauling cars. Im looking into purchasing a f150 with a 2 car trailer does that sound good to start off?

  • @Usmcto
    @Usmcto Рік тому +2

    You need another tank in the back have it feed into the fuel neck going to the tank I have that on my f350 also reach out if you need work I have 15 hot shots that move empty containers for me could use 2 more

    • @hydrostatic3g
      @hydrostatic3g Рік тому

      Where are you located? I’m in Charleston right by the ports, and would be willing to purchase a truck or 2 to get started.

  • @lifeontheroad_
    @lifeontheroad_ Рік тому

    Need to get fifth-wheels in trucks and get a over length permit for the state of Indiana. Indiana hit me with a $1000 fine for being over 60’.

  • @D_wade90
    @D_wade90 Рік тому

    How do u get into this type of job field 🤔 ?? I’ve always been around truck’s and trailers my whole life driving goosenecks and long trailers Most def gone put the work in to do type of job. If anybody can give me some insight would greatly appreciate it 💯🙏🏽

  • @franklinmcalpin2519
    @franklinmcalpin2519 Рік тому

    Where did you get that music from at .50?

  • @tomlynch7097
    @tomlynch7097 Рік тому

    How many miles do u put on ur equipment a year?

  • @carlosandrade577
    @carlosandrade577 Рік тому

    What your recommended work for a company driven 18 heels or buy me a 350 and do hot shops?

  • @cooleydread9860
    @cooleydread9860 Рік тому

    Yo mike I'm about to jump in the game now I have a f450

  • @ramiromaldonadojr
    @ramiromaldonadojr Рік тому +1

    I always wanted to get into the hotshot business

  • @mikejamison4520
    @mikejamison4520 Рік тому

    I'm looking to get into Hot Shot

  • @sentryko
    @sentryko 9 місяців тому

    do you need class c driver license or you can drive it with regular drvier license

  • @dorsonhess4805
    @dorsonhess4805 Рік тому +1

    Prove your making that kind of 💰

  • @mikelopez4148
    @mikelopez4148 10 місяців тому

    Best load board for hot shot ?

  • @KevinGilpin-qk6nq
    @KevinGilpin-qk6nq 10 днів тому

    What is the make and model of the non cdl trailer and what is the max weight can you haul on it to stay non cdl compliant

  • @Boost3d_Fk7
    @Boost3d_Fk7 Рік тому +1

    I'm confused he trying to say he was parked and the strap just magically shot through the back window lmao

  • @sarfancarcan78
    @sarfancarcan78 6 місяців тому

    how did you derated your trailer 14ft to 12ft?

  • @babiesfartingfire6007
    @babiesfartingfire6007 Рік тому

    Need them airbags

  • @MotivationM5
    @MotivationM5 Рік тому

    How you get routes?

  • @shaydesofblue2281
    @shaydesofblue2281 Рік тому

    Is this a Class C CDL?

  • @mrmcbryde2206
    @mrmcbryde2206 Рік тому

    Let's link I'm in Harrisburg.

  • @jaywu_chakra9919
    @jaywu_chakra9919 9 місяців тому

    Can you get a grant from the government to start up your hotshot business? I'm talking about the vehicle and trailer.

  • @ufotv8935
    @ufotv8935 Рік тому

    Best video cuz I just came across this

  • @yoofaceee514
    @yoofaceee514 Рік тому

    How do u get work if I decide to do this??!

  • @ChrisTV1
    @ChrisTV1 8 місяців тому

    🔥🔥🔥

  • @cooleydread9860
    @cooleydread9860 Рік тому +1

    So your cdl trailer is longer then your non cdl trailer right

  • @Jojo-tu5xz
    @Jojo-tu5xz Рік тому +1

    Keep the good information flowing king,should be on the road in the next month,alway get great information from the videos

    • @entremike
      @entremike  Рік тому

      Thanks, will do! Good luck out there!

  • @robertsweet584
    @robertsweet584 Рік тому +2

    Great video bro that's awesome that your so young and got it going on the way you do best to you and God bless

  • @DiortvVlogs
    @DiortvVlogs Місяць тому

    Have you ever drove semi trucks? If so how long?

  • @devildogentertainment4904
    @devildogentertainment4904 Рік тому +1

    So what exactly do you do as a hotshot tracker ? I have 2 weeks left for my CDL

    • @Zay_05
      @Zay_05 Рік тому

      You can haul the same type of freight just on a smaller scale these guys are like flat bedders they just hall smaller loads lumber,steel,bob cats,cars etc

    • @devildogentertainment4904
      @devildogentertainment4904 Рік тому +6

      @@Zay_05 shiet sounds better and safer than a big ass Tractor

  • @marioquintanilla2161
    @marioquintanilla2161 10 місяців тому +2

    Where do I find these contracts once I have the truck and gooseneck?

    • @silentscope7440
      @silentscope7440 8 місяців тому

      I wish I could get a notification if he answers this question. This why I am searching videos. 🎯

  • @LandownerSaensouk-ic8wg
    @LandownerSaensouk-ic8wg 4 місяці тому

    Hey,brother and I would like to have this kind of work

  • @johnrowe9653
    @johnrowe9653 Рік тому +8

    Good seeing you out on the road man!

  • @jojoswrld0887
    @jojoswrld0887 Рік тому +1

    Your gross is 35-40k a month .. what’s your take home profit after you pay all your expenses

  • @DONTXCRASH
    @DONTXCRASH Рік тому +10

    I’m 31 and in the process of getting my DOT RTD process started then getting my cdl back…I had my class B from 2017 to 2019 caught a dui and lost them…I’ve been able to get them back for 2 years now but I was bsing now I’m 31 and focused and on it…I love the vids get that bag bro i wanna be an owner op and Im gonna start with a pickup

  • @luisvilla799
    @luisvilla799 Рік тому +1

    Man I hate to say but I need to see bank accounts asap it’s just too good to believe

  • @roxyqueen5076
    @roxyqueen5076 Рік тому

    U GO MAN!!! $40,000 a month?? U r da man!!!!

    • @alexjavalerajr6534
      @alexjavalerajr6534 Рік тому

      Still have to pay for gas, insurance, truck payments, helpers etc

    • @wesleygaitan
      @wesleygaitan Рік тому

      @alexjavalerajr6534 true but he making half a million a year gross, he set for life

  • @seanellis3921
    @seanellis3921 Рік тому

    36 foot and longer trailers pull ... has to have CDLs ????

  • @antoniosanchez8443
    @antoniosanchez8443 Рік тому

    I need to transport some machines from Ohio to Laredo Texas with a total weight of approximately 15,000 pounds, you can help me!

  • @jayharton9005
    @jayharton9005 Рік тому

    Is it a number I can call I had a lot of questions

  • @dalereal7211
    @dalereal7211 Рік тому

    That’s A lot of money is that gross or net

  • @bstrong5008
    @bstrong5008 Рік тому

    Fleet pride ratchet brinder $45 each .

  • @RedskinzFan
    @RedskinzFan Рік тому

    Should cross your break away chains before DOT gets after you

  • @ronaldwashington7029
    @ronaldwashington7029 Рік тому

    Are you set up you say your trailer is a 31 + 5 so it's only 36 ft not 40 is that what you saying cuz I was looking to get a 40-footer so I'm looking at a 35 Plus 5 I just got to watching your video on Startup

    • @entremike
      @entremike  Рік тому

      One is 31 + 5 & the other is 35+5

  • @rogerperez7363
    @rogerperez7363 Рік тому

    Yo if u got yo cdl y not juzt get in a semi truck at leazt dat haz a bed inztead of zleeping in bak zeat of a dually ?

  • @19jody72
    @19jody72 Рік тому

    What is the profit out of that a month unless Im asking to much... thinking on getting into driving . Man been doing some research and some say hell no dont do it..

  • @runempockets
    @runempockets Рік тому +4

    U might aswell get the cdl and buy a fleet of semis you'll b straight

  • @nickpetrou6113
    @nickpetrou6113 Рік тому

    Where do you get loads that pay that much?

    • @willieswain7837
      @willieswain7837 Рік тому

      @@doniyorbekjuraev5615what you have to say for a beginner

  • @thomasdonahue1525
    @thomasdonahue1525 Рік тому +1

    whats the best size tarps to start with ?

  • @deetherookie97
    @deetherookie97 Рік тому

    Bruh I got some questions for you

  • @egincorp
    @egincorp Рік тому

    Aye whats going on Mr Mike glad to see you still in the game, Question do you have your CDL if not what insurance company deal with non CDL for Commercial Insurance?

    • @entremike
      @entremike  Рік тому +4

      Truck Insurance Quotes: forhire.pro/mdQuotes. Get your quote from this link . They can help you with either insurance. I have my CDL

    • @fortheloveofmoney1752
      @fortheloveofmoney1752 Рік тому

      @@entremike
      When you say you have your CDL, is that class b or A? I have B’s. I thought about getting into hotshot trucking but not familiar how to go about doing it. Can you send some suggestions?
      Thanks

    • @joshuastevens5910
      @joshuastevens5910 Рік тому +2

      @@fortheloveofmoney1752 Has to be class A if your GCWR is 2600,1

    • @xxleoxxcalde5997
      @xxleoxxcalde5997 Рік тому

      Gotta love the content i love to drive usually make trips to take friends or other staffs to other states but my question is how can i start making deliveries or what type of trailer can i get i only got class C license and a 2019 1500 Silverado may i get a few tips on how to start if you dont mind.thank you may God bless you and keep it goin man.

  • @adriansandoval7309
    @adriansandoval7309 Рік тому

    So your going to make Half 1 million a year.. 🎉

  • @daniels3318
    @daniels3318 Рік тому +2

    Can I hot shot with me 3/4 Duramax is not a dually?

    • @kboogiebowman6986
      @kboogiebowman6986 Рік тому

      Yes

    • @daniels3318
      @daniels3318 Рік тому

      @@kboogiebowman6986 Thanks that’s the route I want to take. I just got my
      Truck deleted yesterday so it can perform better now I just have to look into the license permits etc.

  • @timothygarza3699
    @timothygarza3699 Рік тому

    Rammmmm💪💪💪💪💪

  • @Sokoliyoutube
    @Sokoliyoutube Рік тому +6

    Correct me if I’m wrong but that non CDL set up can only carry 4k-5k lbs.. How can that be ideal/worth it? Seems to me like we should stop telling people they should get in without CDL..
    PS love your content Mike and not trying to come at you but curious to hear the communities thoughts on this. Cheers

    • @escapereality111
      @escapereality111 Рік тому +1

      You are very wrong the load being 10,000 pounds or heavier would require a cdl anything under you are not required to have one

  • @Kingmexic0
    @Kingmexic0 Рік тому +3

    I’m 19 and I was wondering is getting a box truck worth it now days ? Is there still good money there ?

    • @phongdang2874
      @phongdang2874 Рік тому

      You’ll prob end up starving to death. There’s not enough freight to trickle down. I’m a company driver in a union and I’m just trying not to get laid off.

    • @Brad210UIW
      @Brad210UIW Рік тому

      No

    • @TheTiredhermit
      @TheTiredhermit Рік тому

      @@Brad210UIW really? Why do you say that I just need advice on this because I’m thinking about getting my class b then my class A

    • @lifeontheroad_
      @lifeontheroad_ Рік тому

      100% NO! I have tried dispatching box trucks. They do not move.

  • @ValhallaAwaits97
    @ValhallaAwaits97 2 місяці тому

    A lot of insecurity in this comment section keep up the good work brotha🙏 living the dream you’re doing it my man

  • @kingdouglas3086
    @kingdouglas3086 Рік тому +1

    What he isn’t mentioning is all his expenses. Like those new truck payments, the trailer payments, the maintenance, the commercial insurance, cargo insurance, fuel, hotels.
    I call bullshit

    • @entremike
      @entremike  Рік тому

      Or you can literally watch other videos where I break it down smh

  • @haydenengland7926
    @haydenengland7926 Рік тому

    Is starting a cdl in California worth it?

    • @entremike
      @entremike  Рік тому

      I wouldn’t know that tbh, I would for sure probably just drive for a company first out west.

    • @tricallyourmama
      @tricallyourmama Рік тому +1

      @@entremike I would recommend going out and driving for fuel companies. They pay great with benefits and it’s a company gig. No crazy unloading either

  • @user-mq1gr4tm7x
    @user-mq1gr4tm7x 2 дні тому +1

    Do you need a driver?

  • @entremike
    @entremike  Рік тому +2

    Like , comment, & subscribe!🔥

  • @Dayvid85-s4o
    @Dayvid85-s4o Рік тому +1

    What’s the net profit tho

    • @underdog7495
      @underdog7495 Рік тому

      It depends on if he still owes a note on his equipment, fuel, and other reoccurring operational costs. Probably still raking in 26k net per month.

  • @raull3365
    @raull3365 Рік тому

    finding hotshots loads / partials are very limited right now , just grab a cdl and start making money right away

    • @midnightvenom1825
      @midnightvenom1825 Рік тому

      What do you mean limited

    • @raull3365
      @raull3365 Рік тому

      @@midnightvenom1825 not that much compared to regular loads

    • @jackjack4412
      @jackjack4412 8 місяців тому

      ​@@raull3365did you pay for your CDL outright?

  • @Grinder101
    @Grinder101 Рік тому

    Hey man you wanna lease on a Owner operator? Looking to leave my current situation asap !

  • @rebelgaming7718
    @rebelgaming7718 Рік тому

    I'm probably gonna end up doing hotshot trucking cattle and hay around my area here in Colorado I got a 1988 f250 gonna get a 30 to a 40 foot flatbed trailer for hauling hay and straw then a 18 to a 25 or a 30 foot cattle trailer for hauling cattle in the winter flatbed during the summer cattle during the winter and I'm not gonna be running over 150 miles tops but probably will be going into Kansas a small bit to the sale barn in Syracuse I can't remember how much a class b cdl cost but I wanna go no cdl on hot shot but if I have to run a class b cdl then by golley I will get a class b cdl for using my pickup and trailer don't get me wrong I love the company I work for the sale barn they have known me since I was knee high to a grass hopper but once the day is done I'll write my odometer meter down for the day end miles then next day go out right my beginning miles then reset my trip meter and get one on my phone also

  • @danielleon-jy3wn
    @danielleon-jy3wn Рік тому

    Nice set up’s .
    Would a short bed mega cab 3500 work with a40’ ? I’m thinking of pulling the bed also

    • @Usmcto
      @Usmcto Рік тому +2

      Don’t believe it I own a company called zbrothers I own tractor trailers and the freight market is low and hot shot loads pay a lot less my suggestion is to look at DAT and truck stop load boards do you can see rates yourself a few months ago freight was good so he probably was making that back then but not now

    • @juniormints6454
      @juniormints6454 Рік тому

      @@Usmctofound the hater

    • @Usmcto
      @Usmcto Рік тому +1

      @@juniormints6454 I’m definitely not a hater have nothing to hate on I’m very well off in life with my business

  • @kennethwilliams3877
    @kennethwilliams3877 Рік тому +2

    Is that a goose neck or 5th wheel set up?

  • @TruthandnothingbutTHEtruth.

    What insurance are you with?

  • @theflightclubworldwide9983
    @theflightclubworldwide9983 Рік тому +2

    How do you de-rate a truck? Is it something that could be done with a a box truck or is it only specific to trailers?
    Say the truck has a GVRW of 33,000 lbs, but you’d like to get it de-rated 26,000 to become a non CDL box truck. Is that possible?
    Keep trucking & keep grinding

  • @robertavendano3532
    @robertavendano3532 Рік тому +1

    40 K a month so the paper work

  • @quefrs
    @quefrs Рік тому

    oh, he a panthers fan? yeah everything he says is True.

  • @YourDadsBoyfriend
    @YourDadsBoyfriend Рік тому

    Sign me up

  • @BigRaRa74
    @BigRaRa74 Місяць тому

    Just got my truck need advice

    • @entremike
      @entremike  Місяць тому

      You got your insurance yet? May need to book a call , I can help you set it up with all the discounts you may be eligible for.

    • @BigRaRa74
      @BigRaRa74 Місяць тому

      @@entremike commercial yes

    • @entremike
      @entremike  Місяць тому

      Ok if you need help getting a lower down payment with the right coverage, you can book a call in the description