The Passive Investing Show

If you have asked how to generate passive income, you may have heard that you should invest in real estate. Doing so makes sense but can feel intimidating for new investors. What if they fail at it? Who do they turn to for guidance? How will they organize property management? These are valid questions, and we are here to address them for you. Our guest is Savannah Arroyo, a registered nurse and multifamily real estate investor. She finds joy in sharing her journey to achieving financial freedom through real estate. She addresses critical questions — such as how to get investors, purchase property, and what to do when establishing property management. Improve your net worth and find financial freedom with real estate. Tune in to the episode now! Here are some power takeaways from today's conversation: Seek expert help Pay attention to property management Build your network Episode Highlights: [1:38] Savannah's Journey to Real Estate Syndication Savannah talks about her dream of being free from financial constraints while being a nurse. This dream led her to dig into real estate investing to generate passive income. Savannah and her husband broadened their reach by finding other people who would do it with them. [8:46] Seek Expert Help Moving into syndication and being responsible for growing other people's investments, Savannah realized the importance of formal coaching, mainly for two things: (1) accountability and (2) expert guidance. [11:54] Look Into Property Management Property management is vital to scaling the value of real estate property. Savannah advises looking into the management first before purchasing a property. She also suggests interviewing management teams to establish communication and tour the ground with the property manager. [14:45] Find the Right Investors Get into a conversation with potential investors first. Ensure trust, and see to it that they are agreeable with the plans and predictions of the investment. Notable quotes from the episode: [2:45] “We stumbled upon real estate investing for obvious reasons. It's one of the best ways out there to grow wealth.” [7:18] “The biggest barrier to people handing over money to one of your investments is trust. They need to be able to trust you.” [24:10] “If you're interested in doing something that someone else has done, reach out and connect to them.” Resources Mentioned: Savannah Arroyo: Instagram | LinkedIn | Facebook | Twitter | TikTok The Networth Nurse: Website BiggerPockets Podcast The Passive Investing Show Ryan Pineda (on real estate and NFT): Website

We're living in interesting times. The stock market is up, the dollar is down and everyone's talking about inflation. While it can be tricky to make sense of all the noise, there are definitely opportunities to be had in the current economic environment. In this episode, J and Ashley talk with Bob Fraser, cofounder of Aspen Funds, on how you can leverage inflation and what asset classes are worth exploring. Join them as they explore the investment and income opportunities in our current economy. Here are some power takeaways from today's conversation: Develop a macro thesis. Work with skilled operators. Get good debt and invest. Pay attention to energy. Leverage inflation. Episode Highlights: [6:30] Making an Investing Thesis First, develop a macro thesis. Determine what things you are going to do really well. Then, figure out the best strategies. Finally, find the best ways to invest and hire a skilled operator if needed. [11:18] Investing in Energy and Real Estate Investment in energy, oil and gas, and infrastructure has dropped in the last seven years. Energy requires billions of investment to maintain, so we have a massive energy crisis right now. Inflation can be affected by inflation. Some opportunities include: Borrow debt at fixed rates Get inflation-protected assets [16:46] Macro Trends to Consider Smart debt is a rich man's tool. Borrow money at fixed rates below the inflation rate, then invest in inflation-protected assets. Currently, there's a massive trend of reshoring and local manufacturing. There will be a need for local manufacturing and inventory in the next year. You must be market-dependent. Look at the location first when searching for investments. [26:44] Interests, Concerns and Opportunities, and Advice They are currently investing in short-term rentals. Inflation is both your greatest enemy and greatest tailwind. Get out cash, get good debt, and invest. Pay attention to the energy markets. Bob also advises to watch The Passive Investing Show—it's the secret to wealth creation. Tune in to Bob's podcast, Invest Like a Billionaire, too! Notable Quotes from the Episode: [7:25] “You can't predict the waves, but you can predict the tides.” [10:19] “You can't have hubris in the investment world.” [17:31] “Debt is a rich man's tool.” Resources Mentioned: Aspen Funds Invest Like a Billionaire The Passive Investing Show

Are you looking to invest your money but don't want the hassle of doing it yourself? Or are you a business owner looking for a low-cost, low-risk way to expand your brand? Franchising might be the answer for you! Franchising is a great way to build passive investment. With a franchise, you get all the benefits of owning your own business without all the risk and hassle. In this episode, J and Ashley talk with Nick Friedman, cofounder of College H.U.N.K.S. Hauling Junk and Moving, about how investing in franchises helps you build passive wealth. Join them as they explore the passive income opportunities in franchising and what to expect. Here are some power takeaways from today's conversation: Find the right investment fit for you. Do your research on franchising. Be patient with results but urgent in the effort. Invest in what you know. Episode Highlights: [6:43] Franchising the Business Being a franchisor isn't very passive. Not only are they selling the franchise but they are also providing support, tools, marketing, logistics, and technology. [10:43] Building Passive Income Through Franchising They saw the opportunity to create an investor model or absentee owner where the owner may have the capital but not the time or bandwidth to run the daily operations. So the franchisor finds a manager to handle the daily operations who may not have had the capital to do so. Do your research. Look at the International Franchise Association's website. By filtering your options, you can find a passive franchise investment. [16:42] What to Expect in Franchising When investing in a franchise, there will be some involvement. But it's still passive since you're not spending every day working on that project. [22:12] Nick's Interests, Concerns, and Advice He's a passive investor in Franchise123, and so he's currently invested in that particular model. With interest rates rising, he's keeping a close eye on the housing market. Have patience for results but urgency of effort. Invest in what you know. You can also expand what you know. Always give a little bit more than people expect. Notable Quotes from the Episode: [4:15] “In order to grow a business, you've got to learn how to work on the business, not just in the business. You've got to create systems and processes for the business to scale.” [13:41] “It's a wide universe out there. And it's worth doing some research to explore what might be a good fit or good investment opportunity.” [26:47] “Have patience for results but urgency of effort.” Resources Mentioned: The E Myth Revisited by Michael Gerber Traction by Gino Wickman International Franchise Association Kidokinetics Franchise123 College H.U.N.K.S. Hauling Junk and Moving Nick Friedman's website The Passive Investing Show

Are you a quitter? Chances are, if you've ever set a goal and failed to achieve it, you answered “yes”. And that's okay! Quitting often gets a bad rap, but in some cases, it's the best thing you can do for yourself. So it's important to know when to quit—to know when to cut your losses and move on to bigger, better things. In this episode, J and Ashley talk with Tim Rhode and Pat Hiban, the founders of Gobundance and authors of The Quitter's Manifesto, about knowing when and how to quit. Join them as they explore what you need to figure out and prepare before quitting. Here are some power takeaways from today's conversation: Know when to quit. Build your quit team. Prepare a financial safety net. Pursue your interests. Stay calm in uncertainty. Episode Highlights: [4:49] How The Quitter's Manifesto Came to Be Tim had taught Pat how to quit his job and begin passive investing, allowing him to retire at 46. Their goal was to create a tactical book to teach people when and how to quit their job and build a financial safety net. [10:09] Making the Big Decision Quitting is scary. Tim and Pat created the Soul Sucking Audit. Scoring 6 or less means that it's time to quit. It has five categories: Are you being well compensated? Does your organization respect you? How well do you fit in with the team and organization? Are you able to grow within the organization? How do you feel every day when you wake up? [14:10] Building Your Quit Team Your quit team needs four people. First, stakeholders are people who will support you. Second, partners are people who will do well if you do well, such as a business partner. Third, a mentor is a figure in your industry that has experience and expertise. Lastly, a coach keeps you accountable for meeting your daily goals. [20:19] Preparing a Safety Net Getting your finances in order is essential, especially when you're quitting. Some things you can do to prepare your finances: Know your numbers. Get credit and ensure you have funds. Have an emergency fund. [22:34] Advice for Investors Spend as much time as you can in interest over obligation. Pursue the things that interest you rather than the things you're obligated to do. And that makes you more productive in doing what you have to do to get to what you want to do. We are currently living in uncertain times. But accept that some things are out of your control and stay calm. Notable Quotes from the Episode: [10:14] “Quitting is scary. You need to come to a conclusion. It is scary. And it's good that it's scary because if you're lackadaisical and not scared when you quit, you might not do as good of a job at whatever you do next.” [17:13] “If you have a good solid quit team, chances are you're going to make it.” [34:39] “Just about everything we do, we don't have as much control as we really think we do. So you just have to stay calm.” Resources Mentioned: Gobundance 1Life Fully Lived The Quitter's Manifesto The Passive Investing Show

TITLE: Tax Benefits & Carbon Credits with Eric Shelly When it comes to saving money on taxes, one of the most important things to remember is taking advantage of tax benefits. Tax benefits come in different forms, but they all serve the one purpose: to cut down taxes. Carbon credits do the same thing. By offsetting your carbon footprint, you can receive tax breaks and other financial incentives. In this episode, J and Ashley talk with Eric Shelley, CEO and Fund Manager of Freedom Impact Consulting, about tax benefits and carbon credits. Join them as they investigate taxes, energy investments, and carbon capture technology. Here are some power takeaways from today's conversation: Invest in oil drilling. Select your investors carefully. Make sure your investments are compatible with financing. Consider environmental preservation. Monitor the energy policy. Episode Highlights: [4:24] Building Investment Working in real estate didn't deter Eric from looking for another means to increase his income. He entered the energy sector, which exposed him to oil drilling as a passive investment. He was introduced to Sita Technology's equipment that collects oil without drilling. Since it is an oil production project, he took advantage of two benefits as a bonus depreciation in the first year of his passive investment. [11:32] Managing Profits Earning money from his passive investment in the energy sector was difficult. It required several annual adjustments to reflect oil output. Thus, his earnings are determined on price fluctuations and revenue streams. [16:47] Selecting Investors First, determine whether the investment meets your criteria. Second, confirm that the investor is qualified. Third, determine if the investor has prior expertise. [18:25] Overcoming Risks Some of the major issues that you might face or have faced as a passive investor in the energy sector include: Huge energy demand in the next 5 to 6 years Lone company with patented equipment for oil collection [24:46] Considering Externalities Watch energy policy. The government is serious about going green while increasing energy utilization today. How they respond to the policy may influence how investors respond to them. Notable Quotes from the Episode: [1:39] “I realized that in my early 50s, I was going to have to be responsible for my retirement. So I decided to learn about passive investing.” [22:46] “One of the things that is created by [carbon capture fund] is that we are giving people a great tax benefit in year one.” [27:14] “If you get good financing, and then fit the asset to it, … cash flow will cover the investment. And it'll do what you intended it to do.” Resources Mentioned: Chevron Exxon Sita Technology Freedom Impact Consulting The Passive Investing Show

There are many ways to make money from investing in real estate. One of these is renovating a large house strategically and renting rooms to multiple tenants. In this episode of Passive Investing Show, the Founder of Newbie Real Estate Investing joins J to discuss reaping high returns by having multiple leases. Join them as they break down the process of property and tenant management and how to make money renting by the room. Here are some power takeaways from today's conversation: Consider renting by the room Look for a responsible tenant base Manage conflicts between tenants Make real estate management hands off Streamline your systems Episode Highlights: [01:16] Renting by the Room Ryan bought his first house in Stockton, California, for $262,000. He targets large houses close to schools where he can add a fifth or sixth bedroom. [09:00] His Tenant Base Ryan targets high-end colleges with well-rounded and responsible professional students. Ensure doing multiple leases is legal in the area. In managing tenant conflicts, he sets house rules for them to follow and empowers them to have a discussion. [16:29] Additional Expenses There are little to no additional expenses from an insurance and utility perspective. From a maintenance perspective, Ryan tries to get the seller to pay for the capital expenditure parts. If not, he budgets at least 1% to 2% of the total house cost toward repairs. He informs tenants about the scheduling of upgrades. [20:38] What the Turnover and Property Management Looks Like Most tenants stay for over two years, while about 25% come through referrals. The last 10% come through advertising. With a student housing market, you can rent with no difficulty throughout the year. [29:21] Finding Great Tenants and Streamlining the Maintenance Piece He uses the PRIME Method for finding tenants. PRIME stands for: Placement of advertisements, Reviewing social media, Identifying the type of tenant, Measuring responsiveness, and Ensuring proof of income. Notable Quotes from the Episode: [01:56] “I knew if I could just start buying properties and planting seeds, it would grow into a forest and that I could retire early, have financial independence for myself and family, and be able to give back to my community later on as well.” [20:04] “Real estate pays in four ways, right? Appreciation, equity pay down, tax benefits, and cash flow. For me, appreciation was the biggest gainer. I actually made about 50% return on my investment each year from the capital that I invested just through or mainly through appreciation.” [34:59] “Real estate is like at least a 30% ROI game in the long run per year, so why not take advantage of it now and get started?” Resources Mentioned: Connect with Ryan: Instagram Newbie Real Estate Investing FREE PDF Guide GoBundance Rich Dad Poor Dad Rentometer Zelle Rent Ready TenantCloud The Passive Investing Show

Investors are always looking for the next big thing. The next property to buy, the next market to invest in, the next way to grow our portfolios. But what we often forget is that without human capital, our investments are worthless. In this episode of Passive Investing Show, the Founder of Archetype Chetan Bagga joins J and Ashley to explore the importance of human capital both for investors and businesses alike. Join them as they tackle healthcare, software, human capital, and business acceleration. Here are some power takeaways from today's conversation: Consider software and human elements Look for surety in investments Build your human capital Create a healthy work environment Observe your emotions Episode Highlights: [07:20] Companies They Work With They work with software-enabled services companies that augment human capacity at work. There's more surety in businesses with significant software and a human element in its delivery. [11:56] Acceleration Timeline They typically hold companies for a five-year mark. For early growth stage businesses, they give them capital and access to human capital as well. It helps companies accelerate faster until they become self-sufficient and enter the next phase of their corporate life cycle. [14:53] Industries They Focus On They focus on healthcare as delivered through the employer's wide range. It includes providing care, such as home health and childcare, and maximizing employee performance. [18:17] Creating the Work Environment While most of their employees are located close to their offices, they don't require them to come into the office. Rather they prioritize connection and creating a fun, exciting, and great learning environment. [20:45] Spotting Opportunities and Threats Home health is a big market with lots of opportunities. The down economy hurts all businesses. Companies will continue to need people, so human capital is important. [22:42] His Father's Advice In life and business, you'll encounter tough times. Observe your emotions but don't get too absorbed in them. Recognize sentiment but keep your cool. Notable Quotes from the Episode: [08:25] “We believe that there's more surety in businesses that have significant software but also have a human element in its delivery.” [18:57] “It's really just about creating the environment that people want to come into, making it an exciting, fun, challenging, great learning environment.” [22:09] “Businesses are going to continue to need people, going to need to continue to treat them great, give them the opportunity to grow.” Resources Mentioned: Connect with Chetan: LinkedIn Archetype The Passive Investing Show

There's one investment niche that has held strong for decades and is showing no signs of going away — but you have to do the legwork yourself sometimes. In this episode of the Passive Investing Show, Ashley and J discuss oil investments with Grant Norwood of the Norwood Energy Corporation. Tune in and learn the ins and outs of investing in the oil and gas industry and what it takes to drill a field. Here are some power takeaways from today's conversation: Find opportunities yourself Take investments on a case-by-case basis Don't hesitate to participate directly Find two people smarter than you Episode Highlights: [2:04] Norwood Energy Corp Norwood Energy Corp began as a land-and-title storefront before shifting to oil and gas; land and titles are critical to the oil and gas industry. Norwood has two primary strategies: acquire and improve land or a diversified drilling plan. [5:12] Maximizing Value and Output Improving the value of an existing asset involves having the expertise and capitalizing on opportunities. But these opportunities won't fall in your lap — Grant takes every phone call and does a lot of legwork to evaluate potential fields. You have to go out and do the work yourself. [14:03] Strategizing Investments Grant's expectations for investment are on a case-by-case basis. He holds some properties for a long time, but others require development. There are some risks in oil — price fluctuations, on-site concerns, geological problems — but ultimately, an oil investor will have to do a lot of direct participation. [24:12] Timeframes and Cash Flow Investing in oil has a varying hold timeframe. Norwood Energy Corp holds anywhere from five to twenty years. The length of a hold varies depending on the price of an oil barrel and a company's financial strategy. [31:31] Threats to the Industry According to Grant, COVID is a significant threat to the oil and gas industry. Recessions aren't a concern because people still have to travel. As of now, alternative energy only contributes 3% to the energy mix. Notable Quotes from the Episode: [07:51] "So many times buyers are private, equity-backed or whatever have you, and they want all the data provided to them, or they won't even give it the time of day or look around and try to find these themselves. So they miss out on all the good ones." [11:17] "There are several different ways you can come up with a completely new concept. And you can back it up with science and data, and then get out there and try a new concept. And I mean, that's where legends are made, you know, you get out there and no one's tried it." [18:33] “But if people have been drilling in that area, it's known that, say 3000 out of the 10,000 feet, you're drilling, you need to plan for some lost circulation. Well, if you know going into it, then you're not going to lose your well.” Resources Mentioned: Norwood Energy Corp: Website Contact Grant Norwood: Company Website | LinkedIn | Blog | Email

Many passive investment options have emerged in today's climactic business frontier. But cruising into the many alternative niches does not guarantee success. Learning how to capitalize on them is the key. In this episode of Passive Investing Show, investment figure MC Laubscher joins J and Ashley to explore different passive investment options and their cash flow benefits. Join them as they tackle family investment strategies, infinite banking, and how to structure your wealth for success. Here are some power takeaways from today's conversation: Capitalize on trends Leverage the value of podcasts Get involved with alternative investments Profit from life settlements Try family banking Notable Quotes from the Episode: [14:17] My mission now is how do we share information that is very applicable to the world that's going on right now, that will help folks see just the incredible opportunities that exist and times where, you know, there's a lot of uncertainty. [22:11] If you find the right folks to partner with, you can have a lot of fun. Meet a lot of incredible people and have a well-diversified portfolio as a passive investor. [27:20] It [life insurance] gave them a great quality of life towards the end of his [Ed McMahon] life, they didn't have to worry about the financial stress and the money and, and so forth. [34:28] They buy these policies to essentially position it as a vehicle, as a cash-saving vehicle. Because the money that you're putting into those policies is the principle is guaranteed. [46:32] As an investor, even if I never invest in any of that stuff, it's really important to understand it, where capital is moving to, and where it's going to move from. [51:56] Excellence is something that needs to be pursued every single day. Resources Mentioned: Cashflow Ninja Website | Email | Podcast | Facebook | LinkedIn | YouTube Producers Wealth Rich Dad Poor Dad by Robert Kiyosaki The 21 Best Cashflow Niches by MC Laubscher Connect with MC: LinkedIn | Twitter | Instagram Episode 9 PIS - Josh MacAllan The Passive Investing Show

A reliable return metric is an important aspect when making investment decisions. Not only does it help you visualize potential profit, but it also serves as a point of reference moving forward. While cash on cash return is a staple measuring system, there are other metrics you should know. In the thirteenth episode of Passive Investing Show, J welcomes Jordan Moorhead, a real estate investor and the owner of The Moorhead Team. Join them as they explore different return metrics and how accreditation can unlock more investment options. Here are some power takeaways from today's conversation: Passive businesses are ideal. Do not undermine depreciation benefits. Gamble wisely on angel investments. Focus on other return metrics too. Accreditation makes investing smoother. Episode Highlights: [01:44] Shifting Gears to Passive Investments Jordan ventured into house hacking after starting a successful business. His interest in maximizing his capital growth led him to build a real estate sales team. His struggle to find good active investments convinced Jordan to use his wealth passively. He conducted due diligence with the following factors in mind: Integrity of the partnership Reasonability of the business plan Familiarity with the area of investment [07:53] Managing Returns and Expectations He expects a lesser monetary return in passive investment. There is more wealth in active businesses, but they also take more work. The value of depreciation benefits real estate professionals. It equates to a lower tax bill. [10:46] The Diversity of Return Metrics If you're living off passive investments, cash on cash return is a vital metric. However, you need to look at various return metrics, too. You can look at equity growth and tax benefits from depreciation if you aim to grow your wealth. [14:18] Becoming an Angel Investor Jordan recently invested in an AI smart chatbot. He uses this product to drive leads on his wholesaling website. Supporting a business with an intangible product is risky. He looks at private investments as a wise “gamble.” [18:07] Plan Ahead Jordan wants to continue building his business to generate more revenue for the company and its employees. He also plans to build their home-buying company alongside his passive investment. Accreditation in passive investments unlocks more options for investments. Encompassed with legal structure, accredited investments usually have smaller buy-ins. [22:38] Jordan's Advice for Starting Strong Having a great system of managing money and wealth is foundational. Keeping expenses low and owning an investment account helped Jordan pile up his wealth efficiently. Notable Quotes from the Episode: [12:44] “I love real estate because there are so many different ways that you make money that is not just equity growth. There aren't such wild swings in values compared to the stock market.” Resources Mentioned: Global Go Abundance Conference Ashcroft Capital Endurance Capital Connect with Jordan on Instagram or call 512-888-9122 The Passive Investing Show

Mining Bitcoin is not as complicated as it seems. Anyone with a computer can do it. But you might be wondering why you should bother investing in Bitcoin mining when there are so many other ways to make money online. In the twelfth episode of Passive Investing Show, J and Ashley are joined by Eng Taing. They share their insights on the risks and benefits of investing in Bitcoin mining. Here are some power takeaways from today's conversation: ● Keep your costs low. ● Consider the risks and benefits of Bitcoin mining. ● Find cheap and renewable energy sources. ● Be flexible. Episode Highlights: [12:29] How Bitcoin Mining Works Bitcoin mining uses computers to create Bitcoin and validate transactions. Every 10 minutes, 6.25 Bitcoin is rewarded to miners. Miners pool their resources to get a lot more of it. The current inflation rate for Bitcoin is 3%. With many industrial size capital investments, there is higher value but diminishing return. Bitcoin mining gets you more Bitcoin over time and offers more benefits. Make sure energy prices are down or as low as possible. [24:38] What to Expect in Bitcoin Mining You will invest in the profit stream of miners and they distribute those profits as either Bitcoin or cash. Investors can expect a 90% investment return in year one. The life cycle for one investment is five years. [31:27] Risks in Bitcoin Mining The risks in Bitcoin mining are regulatory risks and increasing energy costs. Keep your costs low. Find cheap and renewable energy sources. Given the current mining dip, they are buying a lot of machines and deploying capital wisely. The minimum investment is $50,000. [36:50] Opportunities, Concerns, and Advice Oil and gas investments interest him. He believes that renewable energy is the future and fossil fuels will be the bridge to get there. On the other hand, the Federal Reserve is what concerns him the most. He believes that they are taking inflation and reduction of money supply too far to the point of decimating growth. He advises people to be flexible and explore different things. Notable Quotes from the Episode: [12:38] “When you add capital and scale, you get better results and outcomes potentially.” [37:38] “Fossil fuels will be the bridge to renewable. I truly believe in renewable energy being the future. But there needs to be a bridge to get there.” [39:22] “When you have higher interest rates, you sort of reduce the ability for investors to invest the money in people because now you have a higher demand hurdle for the investment.” Resources Mentioned: Touzi Capital Eng Taing LinkedIn and Twitter The Passive Investing Show

Business owners usually stick to one business using an array of conventional but proven tools. But does “playing it safe” survive in an ever-expanding market and updating global trends? Investing in multiple businesses and utilizing new technologies such as crypto can be ideal too. In this episode of Passive Investing Show, J and Ashley are joined by Ryan Pineda. They share their insights on maximizing wealth and capital preservation using cryptocurrency. Here are some power takeaways from today's conversation: ● Aim for passive investing ● Start social media marketing ● Implement a wholesale-heavy model ● Learn more about capital preservation ● Revolutionize real estate through NFTs Episode Highlights: [8:03] Passive Investments Passive income can be achieved through buying rental properties. Rentals are suitable for long-term wealth-building appreciation. Social media helped his business gain more market reach. [13:15] Building a Passive Investment Portfolio Ryan is adamant about conquering new business opportunities. He invests in three major areas: crypto, businesses, and real estate. Within his companies, he invests heavily in marketing, hiring, and building technology growth. For future investments, Ryan considers the time and opportunity costs to help guide his decisions. [30:31] NFTs and the Crypto Space NFTs are receipts or proofs of ownership that offer security from real estate fraud. So merging blockchain NFT with real estate puts less to almost zero cost when transferring ownership. Due to its rarity and potential, the digital real estate market became the most appealing asset for him to pioneer. [41:49] Threats to Digital Real Estate The lack of legal framework for digital real estate and the gray area in short-term rental laws with crypto must be addressed. Some aspects of real estate can be revolutionized with e-technology and blockchain. Notable Quote from the Episode: [15:34] “Any business I start today has to be better than the previous businesses because if they're not, they're not worth my time.” Resources Mentioned: True Books Future Flipper Wealthy Agent Wealthy Way Pineda Capital Tykes Homerun Offer Lunar Ecom NFT's for beginners The Ryan Pineda Show Ryan Pineda Website | TikTok | Instagram | Twitter | LinkedIn | YouTube | Blog The Passive Investing Show

Most people think investing in real estate sounds appealing, but coming up with a large chunk of cash can be scary. If you don't have that kind of money lying around, it's easy to write off real estate investment altogether. But what if there was a way to invest in real estate with little or no money? In this episode of the Passive Investing Show, J and Ashley are joined by Matt Rodak. They talk about crowdfunding, how it works, and how you can use it to finance your next investment. Here are some power takeaways from today's conversation: Choose the right capital. Build and diversify your portfolio. Manage risks. Structure your pricing carefully. Be open to learning. Episode Highlights: [08:45] Criteria for the Loan They are focused on the single-family asset class and investors who are experienced in scale-up. Usually, they will finance about 85% of the project's total cost to leave the customer some skin in the game. When structuring the loan, manage risk by considering: What is the person paying for the house? Are you buying it right? What's their scope of work? Are they renovating it? What will the ARV be? What will it sell for once it's finished? [12:44] Timeframe of an Investment They try to match the term of the loan and investment to a reasonable amount of time to complete the project. An extension period can be built in. [19:46] Investment Returns Duration and rate may correlate. Because they use general solicitation, they can only take on accredited investors. While there is a loss of principal risk, there is a high probability that they will get most of your money back, but it may take longer than intended. [27:33] Distributions and Taxes Distributions are made monthly. Principal gets returned at the end of the project or maturity date. At the end of the year, their clients will get a 1099-INT from them. [34:20] Matt's Predictions and Advice There's a good legislative framework around crowdfunding. But inflation could affect the strength of the consumers and businesses. Never try to be the smartest person in the room. Always surround yourself with people with different knowledge and perspectives so you can keep learning. Notable Quotes from the Episode: [09:29] “It's like small business lending. And we just happen to have collateral on the back end.” [20:28] “That pricing is going to flow through to our passive investor base based on a number of different criteria that we're looking at, ultimately price for the risk.” [35:40] “Try to never be the smartest guy or gal in the room.” Resources Mentioned: Fund That Flip matt@fundthatflip.com The Passive Investing Show

When we talk about investing, most people would probably think of stocks and bonds. But what about the hotel industry? Investing in hotels can be a great way to build revenue and grow your portfolio. In this episode of the Passive Investing Show, J and Ashley are joined by Josh McCallen. They talk about the hospitality space and why it would be a good investment. They tackle the factors you must consider and things to expect when investing in hospitality. Here are some power takeaways from today's conversation: Have the heart to serve. Be creative and adaptive to make sales. Find contractual revenues. Know the operator. Review the business plan. Episode Highlights: [03:48] Getting Into the Hospitality Space After flipping hotels, Josh realized he wanted to become a hospitality investor. He invested in Renault Winery and built VIVAMEE with his wife. Their mission was to “revive the soul” and spread the gift of love through joy, humility, and ministry. [14:41] How to Secure Sales Sales are the solution to any economy. You must be creative and adaptive. Look for properties for which you can guarantee sales. Listen to the full episode to find out how Josh layers revenues! [20:19] The Pros and Cons of Investing in Hospitality Eliminate volatility by finding contractual revenue. You can do that through contracts and prepaid. Prices are affordable. Business asset ownership and real estate asset ownership are two ways to beat inflation. Hospitality has both. [26:58] Their Upcoming Investments They are constantly looking to scale. Their next asset category would be full-service hotels. They are also bringing multiple assets into one investment to offer diversification to investors. Find out more about his upcoming hospitality investments and their investment model by listening to the full episode! [36:27] Pointers For Investing in Hospitality Know the operator. Determine if they align with your values. Look at the anchor asset and review the business plan. If you like the business plan, it's worth going for it. Notable Quotes from the Episode: [14:48] “Sales are the solution to any economy.” [33:18] “We love giving investors choices on what level they want to invest at. And we treat them with more generous preferences the more they put in.” [35:49] “Multi-family is very much science whereas hospitality is a combination of science and art. And it really boils down to how artistic you happen to be.” Resources Mentioned: Renault Winery Resort VIVAMEE Hospitality Accountable Equity The Passive Investing Show

If you're thinking of investing in the energy, precious metals, real estate, or oil industry, it's important to understand what you can expect. While risks are always involved in any investment, understanding these industries can help you make smarter choices and maximize your profits. In this episode of the Passive Investing Show, J and Ashley are joined by Mauricio Rauld. They discuss the different asset classes you can invest in. They also tackle how you can leverage them to grow your wealth. Here are some power takeaways from today's conversation: Use precious metals as insurance. Leverage the tax benefits in real estate or oil & gas. The oil & gas industry is a cash flow play. Limit your personal guarantee. Grow your wealth through investing. Episode Highlights: [06:12] Using Precious Metals Physical precious metals could be insurance. Liquidity is also possible because many capitalized institutions will loan to you on your goal. With that, you could extract equity without having to sell and incur high taxes. [09:13] Minimizing Tax Most passive real estate investors look to real estate because of the tax benefits. Aside from that, oil and gas are other assets that can mitigate tax problems. The depreciation component also contributes to the tax benefits. [16:18] How the Oil and Gas Industry Works Striking oil gives great rewards. But there's high risk because if you don't strike oil, the investment goes down to zero. Proven reserves involve extracting oil from lands that you already know have oil. Lastly, additional oil can be extracted from the land that has depleted oil. Premier Law Group buys equipment and rents it out to oil companies. The group then has a working interest and share in the oil well profits. [20:55] What to Expect in Investor Returns You do not buy equipment and sell it for capital gain since it is a depreciating asset. So it is purely a cash flow play. But with oil and gas being in high demand, it cash flows nicely. You just have to factor depreciation into the final return. There is also a significant risk in being a General Partner in a limited partnership. Tax benefits get taken in the first year the equipment is put into service. Cash flow usually starts around six to nine months. The amount of cash flow depends on how much leverage you have. [26:48] Exploring the Risks As a General Partner, unlimited exposure might make you uncomfortable. But being a General Partner is only for a limited amount of time. Find a way to limit the personal guarantee to the amount of your investment so you will be safe if things go south. [26:48] How to Find Oil and Gas Investments Reach out to Mauricio, and he would be happy to make an introduction. Bitcoin has been on his radar for a while as an area he would potentially invest in. Change in the tax code is the biggest threat to his passive investment strategy. Accredited investor limits are likely to increase. [38:58] Mauricio's Final Advice Building wealth is difficult, but putting your excess paycheck into active or passive investments will help you become more financially independent. Notable Quote from the Episode: [39:17] “Your wages will make you a living, but your investments will make you a fortune.” Resources Mentioned: Premier Law Group The Real Estate Syndication Show The Passive Investing Show

Do you want to build wealth? Surely everyone does. But knowing how to start building wealth through real estate can be tricky. It's important to gain experience and learn from both your successes and losses — or learn from other people in the game. In the seventh episode of the Passive Investing Show, J and Ashley are joined by Daniel del Real and Aaron West to discuss what you should consider in making investments so that you can build wealth. Here are some power takeaways from today's conversation: Invest in people. Look at an operator's performance, plan, and cash. Keep yourself insulated by diversifying your portfolio. Build long-term relationships. Buy a house if you have an infinite mindset. Know your principles and objectives. Episode Highlights: [06:16] How to Create Passive Income Separating themselves from their budget helped Daniel del Real and Aaron West build wealth. Find out what you can live without and what you can invest in for future returns. Invest in people, not in businesses. Make sure to find people who can pivot and adapt quickly when the market shifts. [12:02] Lessons From Small Balls and Losses Learn from playing the small ball. Long-term relationships are forged through returns on mental capacity and relationship capital, not investment. Listen to the full episode to learn the criteria Daniel and Aaron look at when investing and how they create long-term relationships! [21:22] Criteria for Investments Sometimes a startup idea can be great, but it isn't the right time, or the wrong person is taking it to the finish line. Determine if you want the property. Make sure the operator has communicative knowledge. Look at their past performance, plan for the long term, and cash. [28:55] Diversification in Your Passive Portfolio At some point, your wealth will become more money than your bandwidth can handle. That would be the right time to diversify your portfolio. Think about how you can be insulated so you can do well even if the market shifts. Diffuse the risk by investing in different assets. Understand that while investing takes mental capacity, you're learning your capacity and earning your 4Cs to level up assets in the future. [36:37] Investing Moving Forward Due to the housing shortage, residential real estate will be as strong as ever. The fundamental housing issue might lead to homeownership becoming a novelty. If you want to buy a house, you should have an infinite mindset. [39:36] Aaron and Daniel's Investing Advice Understand your fundamental principles and objectives. Stick to your principles and values because they are what will lead you to true freedom. Focus on making a base hit, then finding a new deal. Notable Quotes from the Episode: [14:14] “You have to learn the unsexy first and the lessons that you learn playing the small ball and then in 5, 10 years, you'll have an opportunity to level up.” [21:46] “A lot of startup ideas are awesome. It's either not the right time or it's the wrong person that's taking it to the finish line.” [34:12] “If you keep outsourcing as an LP, that ‘C' of courage, because you've never taken down a property yourself, you never find out what your capability is and never find out what your capacity is.” Resources Mentioned: @theaaron.west @daniel_del_real The Passive Investing Show

Investing in a startup can be risky and quite tricky. If you aren't careful, you might find yourself losing all your investments. Knowing what to look for in startup companies and how to reduce risk is crucial. In the sixth episode of the Passive Investing Show, J and Ashley are joined by Neal and Rakesh Gupta to discuss what your expectations and considerations should be in startup investment. They talk about exercising due diligence, reducing risk in investing, and the potential of crypto startups. Here are some power takeaways from today's conversation: Companies with founding teams that can pivot well often turn out to be successful. Invest across diverse industries. Look for startup companies with revenue to reduce risk. If you're planning on investing in an industry you are unfamiliar with, consult with experts in that field first. Episode Highlights: [03:41] What KiwiTech Does KiwiTech engages in software development in exchange for partial equity and partial cash. It provides clients with development at a subsidized rate and a strategic partner to help them grow. They work with seed-stage companies that have software as a key component of their business. [09:45] Working with KiwiTech Direct investments are not easy to enter into with early-stage tech; KiwiTech's platform is a diversified way to do so. Their Demo Days offer a format for portfolio companies to raise money by connecting them to investors and mentors. Initial investors and founders negotiate the investment, but their typical investment size is $250,000. [13:57] Exercising Due Diligence Look at the startup's founding team. Most companies that become successful are the ones that have pivoted and done it well. Investors should also consider looking into the industries they have experience in since they will have a better understanding of how things work. If you want to reduce risk, look for companies with revenue. [17:42] What to Expect in Startup Investments When investing in a startup, assets can disappear quickly. Diversification is important; investing in more companies across verticals will reduce the risk of ending up with zero. If you're investing in an industry that you are not familiar with, consult with experts in that field. [24:47] Web3 and Crypto Web3 has growth potential. Decentralized finances allow for more seamless and efficient national and international transactions. Crypto and NFT startups may have significant value creation in the coming years. Notable Quotes from the Episode: [17:56] “In a startup, it can go to zero very quickly. There could be a variety of reasons that happen that are beyond the control of even the founders. So diversification is really important.” [18:32] “If you invest in five startups, it's possible you end up with zero because all five could go to zero. But if you end up investing in more, you have a better shot.” [25:39] “Will Bitcoin go up by 10x in the next year? Probably not. But a crypto startup or an NFT startup could, so there's opportunity for a lot faster value creation in doing picks and shovels for the gold diggers.” Resources Mentioned: KiwiTech KiwiTech Demo Days The Passive Investing Show

After years of lock down, people naturally want to go wherever they want for a vacation. The next best thing would be somewhere close by, within a couple of hours from home. This is why investing in RV Parks appeals to many. In the fifth episode of the Passive Investing Show, J and Ashley are joined by Don Spafford to discuss what investors should expect in making RV Park investments. They talk about rentals, additional income opportunities, overall expenses, risks to face, and multiple other aspects of maintaining and improving an RV Park. Here are some power takeaways from today's conversation: The transient population that stays in RV Parks can bring in higher revenue through a stream of short-term revenue. The majority of expenses come from utilities, system upgrades, and insurance for land and personal injury. There is little risk in investing in RV Parks as they can always be converted to long-term stays. It is essential for young investors to know about house hacking. Episode Highlights: [07:41] Why Invest in RV Parks vs. Other Real Estate Don Spafford narrows his reasons for liking RV Parks down to two things: first is that there is less competition so it's easier to keep their purchase prices to a reasonable level and ultimately produce income for the return. The second reason is that RV Parks are something unique and different that other people are not really investing in so they stand out. [12:47] Adding Value to RV Park Investments Maintaining a strong online presence and improving your website so more people can find it is crucial. This includes online reservations and dynamic pricing — that alone generally adds at least another 5% to revenue. Another way to add value to RV Park investments is by creating additional RV storage with more pad sites. It is important to add amenities like WiFi in case tenants want to work remotely. [17:42] Source of Income While the bulk of your income will come from rentals, RV Park investments can offer other additional income streams as well. Transient renters usually bring in the highest revenue. Having people coming in every couple of days will generate more income than having tenants for a month at a time. [23:45] Compressing Cap Rates When asked whether cap rates were compressing because of COVID, Don shared that while cap rates are indeed compressing, it is not necessarily because of the pandemic. Rather, it's due to more people entering the RV Park investment space. Notable Quotes from the Episode: [39:13] “ [To] my kids and everyone that's looking to start in real estate when they're young, I say, ‘Hey, you've got to house hack'. That's the very best way you can get started with very little money and just save that huge living expense and save and invest for more.” [26:30] “From my perspective, there's very little risk, you know, but of course, I've educated myself enough on this space that I know, but you know, somebody new coming in looking out and saying, oh, I want to maybe invest in that.” [29:43] “Passive investors in real estate investments also rely on tax advantages.” Resources Mentioned: LinkedIn Happy Camper Capital The Passive Investing Show

In the fourth episode of the Passive Investing Show, J talks to Alexander Kanen about how crypto and blockchain are ripe to revolutionize the private equity and real estate industries. They talk about the benefits brought about by these new technologies, how we as investors can maximize its potential, and the developments that will be coming in the very near future. Technology has continuously paved the way in reinventing old processes and concepts. Find out the exciting things that crypto and blockchain currently offer and have in store! Here are some power takeaways from today's conversation: Tokenization brings liquidity and price discovery into the real estate industry. Blockchain redefines ownership, making it sovereign and programmable. We should refrain from exaggerating the value of tokenization. Standards and secondary markets are needed to truly bring out the value of tokenization. Episode Highlights: [02:33] Down the Bitcoin Rabbit Hole Alex started dipping his toes into bitcoin after accommodating a certain client. Gradually, they designed a protocol to conduct a real estate closing using digital asset transactions. While passionate about crypto, Alex is more focused on the technology side of things and advises people to seek professional advice before using crypto. [07:39] Crypto and Technology in Real Estate Blockchain brings the benefits found in public markets to the private equity and real estate space. Equity tokens are digital counterparts to existing analog systems and instruments. They fractionalize the entity that owns the real estate, not the real estate itself. Tokenization allows people to enjoy liquidity and price discovery. When you tokenize 40% of an asset, it grants you access to larger capital pools. It lessens the friction in the paperwork process once you find an investor. It also allows you to automate compliance, building it into the token itself. [26:36] A Word of Caution Syndicating to millions of investors may sound tempting, but there are regulatory requirements you need to comply with. Do not exaggerate the value of tokenization and liquidity. Industry-wide standards and secondary markets are necessary for liquidity to become a reality. [31:53] Current State of the Real Estate Industry Tokenization is progressing fast in real estate. However, secondary markets and universal standards are still needed to attain true liquidity. Regulation will keep the processes in real estate on track. With crypto and blockchain, ownership becomes sovereign and programmable. Notable Quotes from the Episode: [20:04] “Tokenization offers you to take a piece of your asset. Don't sell the whole thing.” [27:34] “It's important not to exaggerate the value of tokenization. And it's important not to exaggerate the value of liquidity in some of these cases.” [36:16] “Little by little, [the advent of AI and blockchain is] transforming our understanding of ownership. Like we said before, it's sovereign, programmable ownership. It is to disintermediate the gatekeepers, disintermediate the centralized points of vulnerability if you will.” Resources Mentioned: LinkedIn Kanen Law

In the third episode of the Passive Investing Show, Ashley and J look back at an interview with top commercial broker and social media and branding expert Ryan Serhant. J and Ryan discuss how your mindset is one of your greatest assets. Shifting your perspective and changing the way you approach your business can make all the difference. In all of your endeavors, stay hungry! J and Ryan also talk about building brands and scaling success. Here are some power takeaways from today's conversation: As an entrepreneur, your mindset can make all the difference in your business. Friendly competition is the greatest motivator — even if it's with yourself. Our money isn't really ours. Round out the goodness in the world by sharing it with the less fortunate. Manifestation is a powerful tool. Tell yourself what you're going to be. Episode Highlights: [3:06] Nice Guys Finish First The entrepreneurial world can be a ruthless place, but if your business fails, you'll be left with who you are as a person at the end of the day. This is why Ryan strives to be someone who is smart and hardworking — and kind. Ryan didn't always think this way. He had a rough start in real estate, but both his desperation and his passion made him the entrepreneur he is today. [7:50] The Winner's Mindset Ryan admits to being money-driven starting out in real estate. Being mentorless and an outsider to New York City shifted his perspective to wanting to self-teach, improve, and become better than everyone else. Even after having established steady passive income streams through deals and agents, Ryan didn't falter. He couldn't stop pursuing business ventures knowing there was still more he could do. [13:21] Goals and Giving Back Ryan works hard for his future for the simple reason that he'll have to live it out someday. It can be easy to want to shirk today's responsibilities for tomorrow, but you will have to face them eventually. Ryan admits to being money-driven starting out in real estate. Being mentor-less and an outsider to New York City shifted his perspective to wanting to self-teach, improve, and become better than everyone else.s possible. [17:00] Ryan's Passive Investments Ryan believes strongly in education so he invests a lot into a digital education business — evergreen content. He also invests in real estate and has a rental portfolio. In spite of COVID, Ryan believes that the real estate market is still going strong. With so much wealth creation as of late, people have been investing more in hard, unique, and alternative assets, and real estate. Notable Quotes from the Episode: [3:41] “If all the business goes away, the world blows up, you're a good person or you're a bad person and I want people around me that like me.” [10:07] “I love [being ranked eleventh best sales team in New York City]. Because now I only have up to go, and everyone else, one through 10, just gets to fucking wait.” [14:12] “It's easy to roll through today and, ‘Whatever– I'll get to it tomorrow,' but pretty soon, tomorrow shows up. And you have to live with the consequences.” Resources Mentioned: YouTube

In the first episode of the Passive Investing Show, Adam Jason, partner at Legacy Group, shares how they grew the startup Green Coffee Company to be the biggest coffee production company in Colombia. So many factors influence the success of a business. Find out how to leverage the playing field and set your business up for success by taking control of the risks and opportunities! Here are some power takeaways from today's conversation: Know the risks and opportunities in your industry Make modest cash flow projections Be resourceful Plan for an exit strategy and timeline Episode Highlights: [07:55] The Green Coffee Company Adam took Green Coffee Company from modestly yielding collateralized asset play to becoming the largest coffee producer in Colombia. The business is primarily focused on B2B coffee sales with green coffee or pre-roasted beans as their main product. [13:27] Growing The Company The coffee industry in Colombia is decentralized and generational turnover is high so in growing the company, Adam looked at: the prime coffee regions in the country where they can buy at scale where does it functionally work to consolidate infrastructure Through financing and acquisition, Adam was able to consolidate the needed land. As for their company structure, their team has a three-person board of directors with their own expertise to offer. [21:52] Projected Returns Green Coffee Company initially had an 8% annual cash flow with 12–13% overall returns, but as they scaled, they were able to make more modest projections. They always target a margin of about 30–40% annualized which is split across several revenue sources. Some of the byproduct work they're doing has the potential to become secondary revenue streams. [29:09] Risks in the Industry Weather is always a risk in the agricultural industry. It's important to keep track of the weather and notice the patterns so you can manage your farm well. Planting coffee at higher elevations mitigates the risk of climate change and heating. The conflict between Russia and Ukraine has restricted the Green Coffee Company's ability to obtain fertilizers, but their scale has offered them advantages in the political space. Land is one of the best inflation hedges available. Coffee consumption is growing globally. [36:05] Exit Strategy and Timeline Adam told their investors that they would get to an exit in 2025 or 2026. Their rationale is the planting schedules for coffee optimization and when they can have the most valuable product to sell. They keep the valuation low to give people a product to invest in that has huge upside potential. Notable Quotes from the Episode: [12:29] “The farther down the value chain you get, the higher the prices go.” [33:44] “I think land is maybe one of the best inflation hedges available, and especially when it has actual producing commodities on it.” [40:56] “If we pay it, we pay. If it doesn't get paid, it'll get caught up at the exit. So there's a floor for anybody who comes in.” Resources Mentioned: Green Coffee Company Legacy Group adam.j@legacy-group.co Adam Jason's LinkedIn

In the pilot episode of the Passive Investing Show, co-hosts Ashley Wilson and J Scott discuss how the podcast came to be and what you'll get from tuning in. A variety of alternative investment opportunities is available nowadays, but they can be difficult to navigate if you don't know them inside and out. Passive investments are all about making your money work for you! Ashley and J also talk about their current investments and strategies, potential ventures, and the best advice they've ever received. Here are some power takeaways from today's conversation: Passive investments necessitate preliminary work Learning one class asset is a stepping stone to another due to the transferable knowledge between them Before investing in an asset, break it down into three components—the team, the asset, and the market. Keep an eye out for government regulations and economic situations that can affect your investments. Outside of real estate, numerous lesser-known investment opportunities can serve as your next source of passive income. Episode Highlights: [0:44] Introducing J and Ashley J and Ashley are business partners at Bar Down Investments, which buys, repositions, and resells large multifamily apartment complexes. While J began investing after leaving his corporate job in 2008, Ashley started when working in the pharmaceutical clinical research and development industry. They both invest in various asset classes. [2:54] The Story Behind the Podcast Changes in the investment landscape since the Great Recession have resulted in accumulated wealth that people can use to invest. Despite this, investing remains difficult due to a general lack of knowledge surrounding it. This podcast will help listeners make informed decisions and ask the right questions. [5:48] What Listeners Can Expect J and Ashley will invite guests who are key opinion leaders in specific asset classes onto the show. They hope to learn alongside the audience by asking pertinent questions about things like vetting investments and due diligence. [7:26] J and Ashley's Current Investments J and Ashley are active investors. They emphasize the importance of diversifying your passive investments. Some of J's more interesting passive investments are in racehorses and film making. Ashley's include horse training and precious metals. [17:06] The Three Questions J and Ashley will ask their guests about the same three things at the end of each episode: future investments, threats to investment strategy, and best advice received. J is interested in blockchain companies, whereas Ashley is interested in carbon credits. Notable Quotes from the Episode: (Please choose 1) [6:27] “By learning one asset class and then learning another investment opportunity, there are a lot of things that can carry over in terms of the questions you can ask.” [24:20] “The harder you work upfront, the more I personally feel that you can sit back a bit and have your money start to work hard for you, otherwise known as the luckier I get.” [26:53] “There's no free lunch with investing. Anytime you're promised high returns, expect that there's going to be high risks associated with that investment.” Resources Mentioned: YouTube

The wealthy have known for a long time that the fastest way to grow wealth is not only through Wall Street, but by using alternative investments! And there's nothing stopping you from walking that same path. The Passive Investing Show is your guide to learn what the wealthy have known all along: how to get your money working for you, to allow you to grow wealth and achieve financial freedom. Join hosts J Scott and Ashley Wilson each week as they pull the curtain back and show you how you can fast-track your retirement and achieve financial freedom through the power of passive investing.