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The Next Breakout Might Be in Your Pocket

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Americans spend 4 ½ hours on their phones daily, and Mode Mobile is monetizing that screentime. With $1B+ earned by over 490M customers and 32,481% revenue growth, Mode’s EarnPhone is turning smartphones into income generating assets.

Their previous raises sold out, and the company is now offering pre-IPO shares at $0.52/share with up to 20% bonus, exclusive to early investors.

Being early is everything, and this window is still open.

>> Review the offer before it closes

^{*Please read the offering circular and related risks at invest.modemobile.com.}

^{Mode Mobile recently received their ticker reservation with Nasdaq ($MODE), indicating an intent to IPO in the next 24 months. An intent to IPO is no guarantee that an actual IPO will occur.}

^{The Deloitte rankings are based on submitted applications and public company database research, with winners selected based on their fiscal-year revenue growth percentage over a three-year period.}

💸 He Lost Everything Three Times: Welby Accely's $60K-a-Month Comeback 🏘️

Draft — RE Riches edition #3

Hey RE Rockstar,

Rich here from RE Riches.

We've covered a man who got free by moving slowly, and a woman who won by publishing what nobody else would. Today is neither. Today is somebody who did everything wrong for ten straight years — foreclosed on, scammed, partnered with people who vanished — and then found a formula so unglamorous that most investors refuse to believe it works.

He now clears more than $60,000 a month.

Meet Welby Accely.

WHAT WILL YOU GET TODAY?

✔️ Trace Welby's path from the Brooklyn projects to eight figures in equity.

✔️ Understand how a man lost everything three separate times and kept going.

✔️ Learn the offer strategy that sounds reckless and isn't.

✔️ See the exact numbers on a deal that returns roughly $50,000 a year.

[SPONSOR SLOT — place partner ad here]

INVESTOR SPOTLIGHT OF THE DAY

Meet Welby Accely,

First-generation Haitian-American,

Born in Brooklyn, raised in Hollis, Queens.

Security guard. Welder. Inspector.

Minimum wage, all of it.

His story is not a story about spotting an opportunity.

It's about failing loudly, repeatedly, in public,

And treating each one as information rather than a verdict.

HERE'S THE BREAKDOWN

Welby bought his first property in 2004 —

A four-unit building, on 106% financing, interest-only.

It was a disaster from the day he closed.

He'd overpaid.

The rental numbers he'd been shown weren't real.

The contractor took the money and disappeared.

Then it got worse.

A used car dealership with his twin brother — gone.

A nursing agency where his partner drew a $50,000 line of credit,

Made payments for three weeks,

And vanished.

An investment he'd been sold turned out to be an outright fraud.

He was victim number four.

His total restitution, eventually, was about fifty dollars.

By 2010 the Atlanta properties were in foreclosure.

One he'd bought for $240,000 sold at auction for $60,000.

A credit score of 750, erased.

He lost everything in 2008. Then again in 2010. Then again in 2012.

Three times.

Then in 2013, a deal that had gone badly finally closed,

And he was handed a cheque for $90,000.

He describes the moment plainly:

He fully expected to lose that money too.

Instead he did something he'd never done in ten years of investing —

He studied first.

He picked one town he'd never lived in — West Haven, Connecticut —

And spent two months learning it before he bought anything.

Within eighteen months of that pivot, he was a millionaire.

WELBY'S BLUEPRINT TO SUCCESS

His formula is almost aggressively boring, which is exactly why it works.

• Ten offers a day, sight unseen: Roughly 85–90% of his deals come off the MLS — the same public listings everyone else dismisses as picked over. He runs alerts on Zillow, Redfin and Realtor.com and submits offers within five minutes of a listing appearing, without viewing the property. About ten a day. Most are rejected, and that's the point: he isn't selecting harder than his competition, he's simply present far more often. In his words, "You will miss 100% of the shots that you don't take."

• You make your money on the buy: He only targets properties that are physically distressed or renting below market — something he can add value to. If he can't force the value up, it isn't a deal, regardless of how good the price looks. That single filter is what makes the volume strategy safe rather than reckless: a low offer on a fixable property is a bet he can win twice.

• Flip the small, keep the multifamily: Single-family houses and duplexes get renovated and sold, generating the capital. Anything with three or more units he keeps. On the rentals he runs what amounts to a one-third rule — roughly a third of the units covers the entire building's expenses, mortgage, taxes, insurance and utilities included. The rest is profit.

BACK TO WELBY'S STORY

Here's a deal, with the actual numbers.

A four-family listed around $195,000.

He bought it for $151,000.

Renovation came to roughly $60,000 —

So $211,000 all in.

After-repair value: $450,000.

He refinanced out $206,000 —

Which is very nearly everything he'd put in.

The building now nets over $4,300 a month,

Around $50,000 a year,

On capital he no longer has parked in it.

That's the whole engine.

Buy below value, force the value up, refinance the money back out,

And move it into the next one.

He typically has his capital back within 12 to 18 months.

Across his portfolio he now clears more than $60,000 a month,

Against eight figures in equity,

Built across New York and Connecticut.

And he is blunt about how it was done: "I'd rather give people a hard truth than a sweet lie."

LESSONS FROM A SELF-MADE MILLIONAIRE

LESSON #1: LOSING IS DATA, NOT IDENTITY

Three total wipeouts in five years.

Most people would have concluded they weren't built for this.

Welby concluded something narrower and far more useful —

That he had been buying without studying.

The failure wasn't him. It was a missing step.

LESSON #2: THE MLS ISN'T PICKED OVER — YOU'RE JUST SLOW

Everyone "knows" there are no deals on the open market.

Welby builds a portfolio from it,

Because he offers within five minutes and everyone else takes three days.

The edge isn't access.

The edge is speed.

LESSON #3: VOLUME IS A STRATEGY, NOT DESPERATION

Ten offers a day sounds unserious until you notice the filter underneath it.

He only offers on properties he can add value to.

Low acceptance rate is the cost of a high standard,

Not the absence of one.

LESSON #4: GET YOUR MONEY BACK OUT

The unglamorous part nobody posts about.

$211,000 in. $206,000 refinanced out.

The same money buys the next building, and the one after that.

Return on capital you no longer have in the deal is infinite —

And that, not the flips, is what compounds.

Welby Accely spent a decade being taken apart by this business before he found a formula that worked. What he built afterwards isn't clever. It's ten offers a day on properties nobody else wants, one town he bothered to learn properly, and the discipline to pull his money back out every time.

Most people reading this are waiting to find a deal.

Welby didn't find one.

He made ten offers a day until one said yes.

So the question this week is uncomfortable but simple:

How many offers have you actually made this year?

Hit reply and tell me the number. I read every one.

To the ones who keep going,

— Rich, RE Riches

The content of this newsletter is for educational and informational purposes only and should not be construed as financial advice. Conduct your own research or consult a financial professional before making investment decisions.