Build a Million-Dollar Agency From Scratch (Without the MLM Cringe)

Jason Feimster
6 days ago
14 min read

Welcome to the Gospel of Grit – You're Either Building Income-Producing Assets or You're Getting Played.

You’re not broke because you’re lazy—you’re broke because your hustle doesn’t scale. This is your wake-up call to stop grinding and start building. Learn how to grow a real agency that pays you like rental property—without tenants, toilets, or MLM cringe.

If you’ve ever wanted recurring income, legacy wealth, and a damn good reason to ditch the 9–5, this is your blueprint. Read it, bookmark it, and build like your freedom depends on it—because it does.

Jason Feimster, Founder & CEO of Moonshine Capital, in sunglasses and blue cap with a gold building and dollar signs in the background. Text reads "BUILD WEALTH, NOT JUST WORK." Vibrant colors.

Let’s make something violently clear: if you’re not building something that can make you money while you sleep, then you're a cog in someone else's machine – bleeding time, energy, and dignity, all for the mirage of "security."

Now, before you cry "but I'm just getting started!" or "my clients ghosted me again!", take a breath. Good. Because this one’s for the entrepreneurs who’ve eaten dirt so long they forgot what steak tastes like. It’s for the side-hustlers with cracked iPhone screens and overdrafts they call “normal.” It’s for the gig workers burning out before age 35 and the real estate investors who lie awake at night praying the roof doesn’t cave in.

This is your invitation to shift from surviving to scaling. From scattered hustle to stacked income. And no, this isn’t a pep talk. This is war strategy.

Let’s talk agency income as an investment asset. Yes, I know – sounds sterile. But it’s the red pill.

You’re Not a Recruiter, You’re a Developer of Digital Real Estate

Imagine you’re walking down a shady alley of hustle culture, and someone offers you the ultimate real estate deal: a skyscraper where each floor pays rent, monthly, without property taxes, roof leaks, or flushing nightmares. No squatters. No HOA board from hell.

That's what building an agency is. Not metaphorically. Literally.

Each person you recruit into your business is a floor in your income-producing building. Ignore them, and the floors collapse. Nurture them, and they pay dividends. We're not talking minimum wage side hustles here – we’re talking recurring income that stacks like Tetris blocks if you know how to play.

Think I'm exaggerating? Let's look at the numbers.

$600K Earned. $60K in Your Pocket. Just From Being Smart Once.

In the DAC world, if your team earns $600K collectively, and you're doing the minimum – and I mean dead minimum – you’re walking away with 10%. That’s $60,000.

Now let’s be honest. Most of you reading this haven’t earned $60K in a year, let alone passively. And certainly not from doing anything scalable. You’ve been flipping digital pancakes for tips, pretending Upwork is a business model, or rebranding your coaching “agency” for the fourth time.

Stop that. You’re either building or burning.

The Dark Side of Real Estate (and Why You’re an Idiot If You Think That’s Your Ticket)

Let’s say your brother’s smarter than you and decides to buy a rental in Michigan. Until – bam! – a biblical ice storm rolls through and turns his investment into a wasteland of frozen sticks and shattered dreams.

Suddenly, his passive income is a passive liability.

Meanwhile, you recruit one agent who earns $100K. Your cut? $10K.

No floods. No mold. No clogged toilets courtesy of your neighbor’s burrito habit. Just clean, quiet digital money, humming in the background while you sip coffee and pretend you’re not refreshing your Stripe dashboard.

Still Playing the Victim? Look in the Mirror – There’s Your Enroller

You know what the biggest lie in hustle culture is?

That your “mentor” matters. That you need a guru to handhold you through greatness. That your lack of income is somehow your upline’s fault.

Bull. Shit.

If your enroller is a ghost who couldn’t lead a lemonade stand, so what? That’s not your excuse – that’s your advantage. They’re not in your way. They’re just not in your lane. Your enroller doesn’t owe you squat. You’re not here to be coddled. You’re here to win.

So go win.

Here’s the Math: 20 Agents Making $50K Each = $100K for You

Forget the “passion” crap. You want to retire your spouse? Pay off six-figure debt? Hire help so you can stop working like a deranged squirrel?

Then your focus isn’t on passion. It’s on math.

Recruit 20 people. Help them make $50K each. That’s a million bucks across your organization. You make 10% – $100,000 – even if you're only doing the basics.

And guess what? You’re not capped at 10%. If you’re even mildly engaged – like breathing and checking your email – you can get 25%, 40%, even 50% overrides. That’s six figures just for being present in your own damn business.

Now imagine having hundreds of agents. You think funding 100 deals a week is out of reach? It’s not, unless you’re too lazy to build.

Income-Producing Assets Are the New Freedom. Everything Else Is Just a Job With Better Branding.

Here’s the ugly truth: most of you are chasing income, not assets.

You’re driving Uber like it's your legacy. You’re selling courses like you're changing lives – when really, you’re just trying to make rent. That’s fine. But don’t lie to yourself.

The goal is income-producing assets. Your agency? That’s one. Every person you enroll is a branch on your money tree. Water them. Teach them. Then let them grow and pay you – month after month, year after year.

You’re not a recruiter. You’re a gardener of wealth.

So get planting.

A man in a blue suit walks by a money-filled ATM and a skyscraper. Dollar coins surround them, set against an orange background.

How to Build an Army of Agents That Print Money While You Sleep (Without Becoming a Sleazy MLM Clown)

Let’s get one thing straight: the second someone hears the word “agent,” their scam radar pings harder than a cat video on Facebook.

And you know what? Fair.

Because the hustle space is bloated with MLM rejects who haven’t closed a single sale since Obama was in office—but they sure as hell know how to post a motivational quote with a sunset background.

That’s not what we’re doing here.

This isn’t about convincing Aunt Karen to buy a protein shake she’ll never drink. This is about creating a legitimate sales force that moves real capital, real services, and generates real money—for you and them. This is about replacing your exhausted, overloaded grind with leverage. True leverage. The kind that scales, compounds, and ultimately—frees you.

And it starts with your Level One.

Level One: Your Frontline. Your Foundation. Your Freedom.

If you're not obsessed with building your frontline, you're basically building your house on wet toilet paper. That foundation will buckle, and your whole agency will come crashing down, right in time for tax season.

Here’s why the frontline matters:

It’s the only thing you fully control.
It’s where your highest override percentage lives (10–50%).
It duplicates fastest. You lead five—those five each lead five—you’ve suddenly got 25 heads bringing money in. That’s not theory. That’s multiplication.

And here’s the kicker: you don’t even need that many active agents to start raking it in. As long as you build correctly and stay amped up (code for being active and not sucking at follow-through), you win.

Let me put it another way: one well-trained agent with grit is worth more than 100 freebie-chasing dabblers.

So, how do you find the ones who actually give a damn?

The Secret? Stop Recruiting People Who Want Passive Income. Recruit Killers Who Want to Work

You know what “passive income” really means in this context?

It means passive effort. And that’s exactly who you don’t want.

You’re not looking for people who want “freedom.” You’re looking for people who are so over being broke that they’ll crawl through glass to change it. People who don’t need hand-holding, but will still listen. Who know how to hit deadlines, talk to humans, and take rejection without turning into puddles of entitlement.

Look for:

Freelancers who are sick of chasing invoices
Realtors tired of kissing lender ass for commissions
Self-employed contractors with seasonal slumps
Gig workers who want out of the hamster wheel
Burnt-out agency owners who just want recurring revenue without drama

Let me tell you something brutal but true: you don't recruit friends. You recruit fighters.

You’re not assembling a brunch club—you’re building a battalion.

Don’t Manage People. Influence Them. (There’s a Difference)

Management is for Walmart. Influence is for winners.

Management means babysitting. It means handholding. It means explaining the same damn thing 14 times to someone who never should have been recruited in the first place.

Influence is different.

Influence is leadership without force. It’s apple over whip.

You want to build a team that moves because they want to, not because you threatened them with lost commissions or guilt-tripped them like their ex.

Here’s how to influence:

Celebrate progress, not just wins.
Offer real mentorship, not fluff.
Connect them to the why, not just the what.
Be the damn example. Don’t tell them to close if you’re not closing.

This isn’t theory. This is how empires are built.

The System Is the Culture. So Build a Damn Good One.

Culture isn’t Friday night Zoom calls with forced icebreakers. It’s the unspoken standard that says “This is how we do business here.”

If your agents are lazy, disorganized, or entitled, that’s your culture—even if you pretend it isn’t.

But if your culture says:

“We show up early to events.”
“We prospect daily.”
“We don’t whine. We close.”

Thenguess what? You’ll attract more closers, and the lazy ones will bounce on their own.

Good riddance.

Build culture into everything:

Your onboarding
Your messages
Your tone
Your events
Your expectations

When people walk into your world, they should know they’ve entered something different. Not a grind house, but a launchpad.

LMS, CRM, and Automation – The Nerdy Stuff That Actually Sets You Free

Look, I know you didn’t get into business to memorize acronyms. But here’s the truth: if you’re still manually doing every single part of your business, you’re the problem.

Want to scale? Automate.

The Learning Management System (LMS) is your silent assistant. It trains your team so you don’t have to repeat the same pitch 57 times a week. It’s scalable mentorship in a box.

The CRM? That’s your memory. It follows up, nurtures, and tracks progress so you can focus on closing deals and empowering leaders—not digging through emails like a desperate raccoon.

Combine both with the systems being rolled out (yes, even slow-moving beta tests), and you’ve got yourself an actual business. One that moves without your constant oxygen.

Let the nerdy backend do the grunt work. You? You stay visionary.

Coming Soon: Level Pay and Override Expansion. Translation? More Money for Doing the Same Work.

Don’t sleep on the upcoming comp plan updates.

Soon, you’ll get paid on fundings in your 2nd, 3rd, 4th, and 5th levels—even if your overrides break out. That means those second-generation agents who accidentally outgrow you? Yeah, you’ll still make money off them.

It’s like getting paid when your grandkids sell lemonade.

So if you think the current pay plan is strong (and it is), understand this: it’s about to get juiced harder than a bodybuilder on a bulk cycle.

The smart ones are laying groundwork now.

Are you?

Man in suit smiling beside a cartoon money machine with dollar sign, surrounded by flying cash and coin stacks. Bright colors, cheerful mood.

The Million-Dollar Agency: Exactly What You Need to Do Next to Build a Recurring Revenue Machine That’ll Outlive You

Alright. You’ve made it this far. That means you’re either serious about changing your life—or you’re hate-reading and slowly realizing I’m right. Either way, buckle up.

Let’s put down the theory and lay out a punch-in-the-gut roadmap for building a million-dollar agency.

Yes, a real million-dollar agency. Not “revenue screenshots from one hot month” or “projections if every lead converted.” I’m talking about a structurally sound, asset-producing machine that generates wealth while you live.

This is not hype. It’s math. And if you don’t like math, maybe entrepreneurship isn’t for you.

Step 1: Stop Selling a Job. Start Selling Ownership.

If you’re pitching DAC like it’s a quick cash gig, congratulations—you’ve just attracted every unreliable commission chaser in the Western Hemisphere. They’ll be gone the second someone else offers them a $50 Starbucks gift card to change companies.

You’re not offering “a cool opportunity.” You’re offering ownership of income. That’s a different ballgame. Here’s the script:

“You’re not joining my team. You’re building your own income-producing agency—with my help.”

Frame it right from the first call. This isn’t multi-level. This is multi-leverage. Big difference.

Step 2: Set the Minimum Standard: One Client Every 60 Days

That’s it. One client every 60 days. If someone can’t do that, they’re a ghost with an ID number.

Treat them accordingly.

You’re building a business, not a support group. Make this the golden rule:

“We don’t chase people. We chase excellence.”

If they’re not hitting 1 client every 60 days, they’re not serious. Period. No guilt. No follow-up every Tuesday. Just move on.

The people who want it? You’ll know. They won’t wait for you to ask.

Step 3: Implement the 20/20 Rule – Find 20 Leaders, Each Leading 20

This is the core of your million-dollar agency. You don’t need thousands of people. You need 20 assassins who get it.

Each of those 20 builds their own squad of 20. Boom—400 agents. Not dreamers. Not dabblers.

Real producers. Even if only 100 are active, funding one deal a week at $1,000 average override, you’re making $100K a month.

That’s $1.2 million a year. And you still haven’t left your zip code.

Step 4: Onboard Like a Cult Leader (But With Consent)

You need a systematic, repeatable, emotionally charged onboarding process. I’m not talking about a PDF buried in Slack. I’m talking:

A welcome video from YOU.
A 3-day launch checklist.
Immediate exposure to the LMS.
A 1-on-1 call (or delegated call) to light the fire.

You’re building a culture, not a directory. People don’t stay because of money. They stay because they feel seen, empowered, and activated.

Your onboarding is where this begins. Make it sacred.

Step 5: Teach the “Business Capital Math” on Day One

Don't let your agents waste six months before they realize the math of agency income.

Day One, they should know:

“If I help 10 people earn $50K, I make $50K minimum.”
“I get 10%–50% overrides depending on my level.”
“I earn more by being active, not just loud.”

Burn it into their brain. Teach them to teach it. You’re not running a mystery religion—your compensation plan is the greatest recruitment tool in existence if you stop hiding it behind feel-good fluff.

Step 6: Embrace the Quiet Money – Renewals, Processing, and Health Plans

You think it’s all about initial fundings?

Wrong.

Renewals will start trickling in without you lifting a finger.
Payment processing is quiet money—boring, steady, beautiful.
Healthcare? Every policy written can be a snowball rolling downhill toward freedom.

Stop only celebrating flashy closings. Start tracking and promoting residuals. Build your culture around the long tail, not the dopamine spike.

The people who understand this are the ones who outlast the hype waves.

Step 7: Plan for Scale Like a Psychopath

If you want this to be a lifestyle business—cool. But if you want generational wealth, you’ve got to think like a psychopath in a business suit.

Here’s what I mean:

What’s your onboarding system look like at 500 agents?
Can your CRM handle 10,000 contacts?
Do your events still work when 300 people show up?
What happens when you take a month off—does everything stop?

If your business falls apart without you, you don’t own a business. You own a well-paid prison.

Build systems, not babysitting jobs. Automate. Delegate. Scale. Ruthlessly.

The Reality Check: This Will Be Harder Than a 9–5. Until It Isn’t.

Here’s where I lose the dreamers:

This is not easy. It will not always be fun. You’ll be ghosted, embarrassed, underpaid, overworked, misunderstood, doubted, and at times, completely alone.

You’ll see agents with less talent earn more than you. You’ll cry in the bathroom after a good client flakes. You’ll question your decisions weekly.

But if you don’t quit?

You win.

Not just with money. With time. With options. With ownership. You’ll earn checks you forgot were coming. You’ll log in to your portal and see tens of thousands paid to you for someone else’s effort.

That’s the real freedom. And no job, no gig, no coaching funnel can give you that.

Only this.

Smiling man in a suit beside a blue machine labeled "MILLION," spewing dollar bills. Bright yellow-orange background, cartoon style.

No One’s Coming. Build Your Damn High-Rise.

If you're still waiting for a sign, this is it. This is the unfiltered truth most gurus are too soft—or too busy selling webinars—to tell you.

You're not owed success.

You're not “early in a movement.”

You’re not “manifesting” a breakthrough.

You're standing at the edge of a cliff with a parachute labeled "agency income" and one job: JUMP.

Because if you don't? You'll spend the next 30 years stacking income for someone else. You'll keep chasing clients who ghost. You'll keep patching up holes in a business model that bleeds more than it pays. You'll hustle until you're 50 and realize you've built nothing that outlives you.

Or.

You build your own damn high-rise.

Every agent you enroll is a new floor.

Every training you host is a beam of steel.

Every override you earn is another elevator taking you higher—and higher—and higher.

You become the skyscraper. And eventually, people stop asking what you do and start asking how they can move in.

No more pity parties. No more praying for a better upline. No more blaming the market, the timing, or your Wi-Fi.

The building starts today. The only blueprint you need is what you’ve just read.

If you want the cheat sheet, here it is:

Build your frontline like it’s oxygen.
Treat every agent like a rental property—invest in the ones that pay you back.
Drop the “get rich quick” pitch. Sell ownership and longevity.
Stop managing. Start influencing.
Automate everything that doesn’t require a heartbeat.
Think bigger. Then double it.
Execute daily—even when you feel like quitting.
Teach others how to teach others.
Celebrate quiet money.
Build like you’re leaving something behind.

This isn’t just another hustle. It’s your legacy engine. Treat it like one.

Now go build your tower. And remember: skyscrapers don’t apologize for casting shadows.

Illustration of a confident man in a suit holding a gear with a dollar sign. Background features a tall building, gears, and a rising red arrow.

20 Deep-Dive FAQs

What exactly is an agency income model? It’s earning overrides on the production of agents you recruit and support. Like getting rent from properties you helped build—without clogged toilets.
Is this just another MLM scheme? No. There are no lotions, potions, or kitchen meetings. You get paid when real services are sold—primarily business funding and financial products.
How do overrides work? You earn a percentage (10–50% or more) of the commissions generated by your personally recruited agents. The more active you are, the higher the percentage.
Do I need experience in sales or finance? Nope. But you do need the ability to follow training, take action, and not quit when things get hard.
What happens if my agents stop producing? You stop earning. This is not passive income in the fairy tale sense. It’s performance-based, just like any smart business.
How many agents do I need to make six figures? If 20 agents each earn $50K a year in base commissions, you make $100K at just a 10% override.
What is the LMS and why does it matter? The Learning Management System automates agent onboarding and training, freeing you from being a human parrot.
Can I build this part-time? Yes. But full-time rewards come from full-time energy. If you treat it like a side hobby, expect side hobby checks.
What’s the deal with "funding renewals"? Clients who receive funding often need more. When they come back, you get paid again. It’s sweet recurring revenue.
How do I add my ID to shared marketing links? Just tack it onto the URL like this: davidallencapital.com/partner/YOURID
What if I recruit someone better than me? Perfect. Their success doesn’t hurt yours. You still earn on their production, and the team gets stronger.
Is this suitable for real estate investors or freelancers? Hell yes. Anyone who wants recurring revenue without chasing cold leads every day can thrive here.
How do I train new agents efficiently? Use the LMS, create a launch call system, and host weekly accountability Zooms. Rinse and repeat.
How do I stay “amped up” for higher commissions? Stay active—close at least one deal every 60 days, and you qualify for enhanced overrides.
How do second and third level overrides work? Coming soon. But they’ll allow you to earn on agents recruited by your recruits—expanding your income exponentially.
Can I really scale this to a million-dollar income? Yes. Not easily. Not overnight. But methodically—absolutely. Many already are.
What’s the biggest mistake new agents make? Recruiting without leading. Dumping people into the system and hoping magic happens.
What’s the best way to find high-quality agents? Target entrepreneurs, freelancers, and people in commission-based industries who already understand hustle.
What if I don’t have a network? Perfect. You’ll build one. Ads, content, networking events, social media—leads are everywhere if you’re consistent.
Why now? Because the system is being overhauled to pay more, do more, and serve better. The agents who get in now are positioned to benefit most.

Smiling man sleeps with money floating; people in suits holding large dollar symbols approach. Bold colors create a vibrant, positive mood.

Final Reflections

There comes a moment in every hustler's journey where they realize that the grind, the gigs, the never-ending chase—it can’t scale.

That moment is either a breakdown or a breakthrough.

The smart ones pivot. They stop being laborers. They become builders.

What you’ve just read isn’t just an article—it’s a manifesto for that pivot.

The agency model isn’t for the weak. It’s for the ones who are sick of being just “busy.” Who want money that multiplies. Who want leverage, legacy, and ownership.

The question is no longer “Can I do this?”

It’s:

“Am I willing to stop playing small?”

This is your green light.

Go build the skyscraper.

Your future team is already out there—broke, overworked, and praying for someone to show them another way.

Be that someone.

Let’s go.

🔥 Ready to Build Your Own Funding Empire?

You’ve made it this far—so you’re clearly not average. You’re a builder. A leader. A future-proof founder in the making.

Now let’s make it official.

If you're ready to stop talking about freedom and start building it, join us at Moonshine Capital—a rogue team of impact-driven agents partnered with David Allen Capital.

We don’t sell dreams.

We hand out blueprints and expect you to bring the hammer.