Podcasts about private money lending

#78: In this episode of The Lenders Playbook, we sit down with Jerry Wilson founder of Commercial Servicing and one of the few brokers in the game who actually specializes in ground-up construction and land development deals.While most brokers avoid these complex projects, Jerry has built a thriving business over 30 years around them, leveraging experience, speed, and creative structuring to fund deals others wouldn't touch.We dive into:Why ground-up and land deals are often misunderstood—and how to do them rightWhat makes a borrower actually fundable in today's marketRed flags you should never ignoreThe tech tools and trends that are changing the private lending gameAnd the one type of financing that's being completely overlooked right nowWhether you're a lender, broker, or investor, this episode gives you a real-world look into how to win in a part of the industry few dare to touch.Join us live at the American Lending Conference, Sept 3–4 in Las Vegas. Details at AmericanLendingConference.com

What if the biggest risk to your private lending business isn't the borrower… but your servicing process? Today's guest discovered that firsthand—and instead of settling for outdated systems, he built something better.Welcome to the lenders playbook podcast. Your go to resources  for private lending, real estate, and entrepreneurship.Today on The Lender's Playbook, we're diving into the origin story of Petra loan servicing with its founder Joseph Dillamore, who went from solving his own lending challenges in the UK to building a national servicing powerhouse here in the U.S. You'll hear how outdated systems and scattered communication inspired him to create a better solution, what it actually looks like to onboard a lender and why Petra's borrower-first approach is improving loan performance across the board. If you're a lender looking to streamline your servicing, improve borrower communication, and grow with confidence, this episode will show you how Petra can help you do just that—without the headaches.

https://www.loom.com/share/e59a0566ea25465cba46c99aedfa4ef8   In this conversation, Steve Franco shares his journey into real estate, discussing his early experiences with wholesaling, investment strategies, and the importance of learning through doing. He emphasizes the significance of understanding market dynamics and explores various investment avenues, including Airbnb arbitrage, midterm rentals, and storage facilities. Steve also highlights the transition to private money lending and the necessity of delegating tasks to streamline operations in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

***Guest AppearanceCredits to:https://www.youtube.com/@mymenrichard "Private Money Lending with Jay Conner"https://www.youtube.com/watch?v=hTl7M1X3qb4 When it comes to scaling a real estate investing business, one of the biggest challenges investors face is sourcing reliable funding. Traditional routes—think bank loans and institutional finance—often come with red tape, long waits, and restrictive requirements. In a recent Raising Private Money podcast with Richard Lesperance and  Jay Conner, they cracked open the secrets of raising private money—a game-changing alternative for investors looking to close more deals, faster and with greater flexibility.What is Private Money?Put simply, private money refers to funding provided by individual investors rather than banks or hard money lenders. Jay highlights a key distinction: while hard money lenders act as intermediaries between investors and funds, private lenders are direct, one-on-one relationships. These individuals use their liquid capital or retirement accounts (often through self-directed IRAs) to passively invest in real estate, earning a healthy return while the borrower benefits from quick, customizable funding.Jay's Journey from Banks to Private MoneyJay shares his own story: after years of relying on banks, his line of credit was suddenly cut off during the 2008 financial crisis, leaving him scrambling. This “problem” forced him to look for solutions outside the conventional system. A friend introduced him to the concept of private money, and within 90 days, Jay raised over $2 million in new funding—without ever asking for money directly.The secret? Jay adopted the role of a teacher. Instead of pitching or selling, he educated potential lenders about how private money works and the advantages it offered. This educational approach attracted 47 private lenders (and counting), many of whom had never heard of private lending or realized their retirement accounts could be used in this way. Where to Find Private LendersJay breaks it down into three main categories:Your Warm Market: Friends, family, colleagues, and contacts in your phone and social networks.Expanded Network: Connections made through networking, real estate events, and referrals.Existing Private Lenders: Individuals already lending to other investors, often found at self-directed IRA company networking events.According to Jay, over 70% of self-directed IRA holders are interested in loaning money to real estate investors, making these events rich ground for connection.Advantages of Using Private MoneyThe benefits, as Jay enthusiastically outlines, are many:Control: The borrower sets the terms—interest rate, payment frequency, and loan-to-value ratio.Speed: With no bank bureaucracy, deals can close in as little as seven days—a major advantage in a competitive market.No Application Hassles: No credit score checks or drawn-out approval processes.Unlimited Potential: Unlike banks, there's no cap on how much private money you can access or how many deals you fund.Attractive Returns for Lenders: Lenders earn solid, secured returns (often much better than a local bank), creating a true win-win.Is it Safe?Investor and lender protection is paramount. Jay describes several safeguards:Funds are wired directly to the attorney or title company's escrow account, never to the investor personally.Each loan is secured by a mortgage or deed of trust, never unsecured.A conservative loan-to-value (typically 75% of after-repair value) ensures a cushion for market fluctuations.Lenders are listed on insu

There's more than one way to fund a real estate deal—but picking the wrong one could kill your profit. In this DealMachine Masterclass highlight, Andrew Worth breaks down the 4 most common funding strategies (cash, banks, private money, and hard money), plus the pros, cons, and when to use each. KEY TALKING POINTS:0:00 - Capitalizing Your Deals For Success5:58 - Funding Option 1: Cash7:14 - Funding Option 2: A Bank8:59 - Funding Option 3: Hard Money Lending12:10 - Funding Option 4: Private Money Lending14:07 - A Breakdown Of Funding Types With A Deal15:06 - Outro LINKS:Instagram: Backfliphttps://www.instagram.com/dobackflip/ Website: Backfliphttps://backflip.com/ Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

#69: In this episode of The Lenders Playbook we sit down with Ranette Oliver a seasoned expert who brings over 20 years of experience in business development, sales, and leadership—and now plays a key role at B.E. Lending, a trusted name in private lending for real estate investors.We dive into her journey into the industry, the story behind B.E. Lending, and how the company has evolved over the past decade. You'll hear valuable insights on where wholesaling and lending meet, how to identify a “no-brainer” deal, cross collateralization and what sets B.E. Lending apart from the competition and Whether you're a new investor or a seasoned pro, this conversation is packed with practical advice, industry wisdom, and tips on building lasting relationships in the lending world.Tune in and get ready to take notes!

In this episode of the Real Estate Pros podcast, Chad Choquette shares his journey from a full stack web developer to a successful real estate investor. He discusses his experiences with fix and flips, the Airbnb market, and the importance of automation in managing properties. Chad also delves into private money lending and his exciting new venture in revitalizing a small town, highlighting the significance of relationships and market research in real estate investment.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Most real estate investors get this wrong—raising private money isn't about flashy returns or slick pitches. It's about trust, transparency, and knowing your numbers. Greg Helbeck returns to reveal the exact steps he uses to raise millions in private capital without crossing legal lines. You'll learn the key differences between private and hard money, what investors really want to hear, and how to protect both your assets and your lenders. With over 300 deals under his belt, Greg shares the scripts, systems, and mindset that helped him scale responsibly—even in risky markets. Subscribe for more no-fluff strategies from experienced investors. Mentioned in This Episode:Nextdoor — https://nextdoor.comPropStream — https://www.propstream.comCarrot UTM Tracker — https://carrot.com/blog/utm-tracking-links/ListSource — https://www.listsource.comGreg's Site — https://www.velocityhousebuyers.com/ Key Quotes:"If you're not willing to put your own money into the deal, why should someone else?""Raising private money isn't a pitch—it's a relationship.""You don't want to get too big for your britches and over-raise.""Hard money teaches you discipline. It's a safety net for bad deals.""You can't publicly offer returns unless you have a fund. Most people don't.""I only borrow on deals with enough margin to protect the lender—always." Chapters:[0:00] Why Greg Buys with Separate LLCs[1:06] Private vs Hard Money Explained[5:20] Risks of Scaling with Hard Money[9:10] Who Makes a Good Private Lender[10:24] How to Build Trust with Lenders[13:34] How Greg Protects Investor Capital[20:04] Creating a Private Lender Slide Deck[26:05] Tactical Tools to Raise More Capital[32:34] Cultural Differences in Deal Making[37:55] Final Advice: Take Capital Seriously ***Join us live, Thursdays at 11 AM Pacific for the Evergreen Marketing Live Q&A: https://www.facebook.com/groups/officialcarrotcommunity/***Need to grow as a leader? Check out Trevor's podcast: https://link.chtbl.com/EFF***Learn more at Carrot.com/shows - Carrot, a 5x Inc 5000 company, with millions of motivated leads generated over 10+ years.

Jay Conner is a real estate investor, speaker, and author specializing in private money lending. Raised in Eastern North Carolina, he grew up in the mobile home industry, working alongside his father, who was once the largest mobile home retailer in the U.S. After the market collapsed in the early 2000s, Jay pivoted to flipping single-family homes, eventually averaging two to three deals per month with $86,000 in profits per flip. ⁣ For years, Jay relied on traditional bank loans—until the 2008 financial crisis cut off his funding overnight. Determined to find a better way, he discovered private money lending, a strategy that allowed him to raise $250,000 in just 90 days without relying on banks. Since then, he has completed over 500 real estate deals and now teaches investors how to secure funding through private lenders and self-directed IRAs. ⁣ As the author of Where to Get the Money Now, Jay shares his expertise on raising private capital, scaling real estate investments, and building financial freedom. Through his mastermind and coaching programs, he empowers others to succeed in real estate without the limitations of traditional financing.

In this episode of the AZREIA Show, hosts Marcus Maloney and Mike Del Prete welcome back experienced real estate investor Eddie Wilson. Eddie, who has completed hundreds of real estate transactions and founded Think Realty, shares his insights on current real estate trends, including the benefits of multifamily investments and the evolving market dynamics post-COVID. He introduces innovative concepts like 'wholesaling money' and provides exclusive tips for accessing private capital through his platform. Eddie also discusses upcoming events like the Think Realty Conference and special CE credit courses for real estate agents. Tune in for practical advice and strategies to thrive in today's real estate market.  Key takeaways:  01:41 Eddie's Real Estate Journey 03:44 Navigating the Phoenix Market 05:04 Wholesaling Money: A New Approach 06:31 Opportunities in Private Capital 08:42 The Multifamily Market Insight  11:22 Leveraging Private Capital for Deals 13:39 Building the Private Money Portal 18:58 Funding Success Rates and Challenges 19:49 Speed and Efficiency in Real Estate Deals 0:45 Business Purpose Loans Explained 21:58 Success Stories and Encouragement 24:00 Nationwide and International Reach 25:04 Aspire Conference Highlights 26:55 Private Money Lending Insights 28:22 Upcoming Events and Opportunities 28:52 Think Realty Overview  31:46 Continuing Education for Real Estate Agents      ------   The Arizona Real Estate Investors Association provides its members the education, market information, support, and networking opportunities that will further the member's ability to successfully invest in #realestate  Join AZREIA here: https://azreia.org/join Is a Career in Real Estate Right For You? Take AZREIA's Real Estate Investing Entrepreneurial Self-Assessment at

3 Most Common New Lender Mistakes - #252 ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com   FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

Looking to fund your next real estate deal or business venture without the hassle of traditional banks? In this episode, we dive deep into private money lending, exploring how investors and entrepreneurs can leverage private capital to scale their businesses. Learn the benefits of private lending, how to find private lenders, and the key terms and risks involved. Whether you're a real estate investor, business owner, or someone interested in alternative financing, this episode provides actionable insights to help you secure private funding and grow your wealth.  What is private moneylending? How to find and approach private lenders Key benefits vs traditional bank loans Understanding terms, risks, and legal aspects How to build trust with investors Tune in now to discover how private money lending can be a game-changer for your investments!Jay ConnerFacebook/jay.conner.marketingYou Tube - Raising Private Money with Jay ConnerPodcast - Raising Private MoneyMy Men Richard/Richard Lesperancerichard.lesperance@gmail.com⁠⁠https://linkedin.com/in/richardlesperance⁠⁠⁠https://www.youtube.com/@mymenrichard

Codie Chesner flips 50 houses a year—and he's not slowing down. He breaks down how he finds deals, raises private money through social media, and keeps contractors in check. Plus, he shares the biggest lessons from scaling his business and why he's shifting gears in 2025. KEY TALKING POINTS:0:00 - An Overview Of Codie Chesner's Business0:57 - What Drew Codie To Fix & Flips2:22 - The Average Time & Profit For Their Flips5:50 - When Codie Did His First Deal7:52 - His Second Deal10:03 - How He Raises Money From Social Media12:14 - Working With Lenders15:13 - His Biggest Challenge Of Getting To 50 Flips Per Year17:08 - Preventing Contractors From Taking Money19:09 - Where He Wants To Take His Business In 202521:33 - Gain Knowledge And Skills First, Then Hire24:24 - Outro LINKS:Instagram: Codie Chesnerhttps://www.instagram.com/codie.chesner/ Website: Codie Chesnerhttps://www.chesnerinv.com/ Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

***Guest AppearanceCredits to:https://www.youtube.com/@TheClosingTablePod "Jay Conner Discusses Private Money Raising"https://www.youtube.com/watch?v=cNtgseDPZMkToday, on the Raising Private Money podcast, Jay Conner had an amazing time joining Kat Schooler on The Closing Table Podcast. During the discussion, Jay elucidated the stability of private money lending compared to traditional investment avenues and shared invaluable insights on attracting private lenders. Here's an in-depth look into the segments of their dialogue.Stability of Private Money Lending vs. Stock MarketJay Conner draws a clear distinction between private money lending and stock market investments. Unlike the stock market, where values fluctuate wildly, private money offers a more stable route. When lending private money, the principal amount remains constant until cash-out, behaving similarly to a bank CD. This stability allows for predictable returns, an invaluable feature for any investor looking to mitigate risk.Finding Private Lenders: Three Essential CategoriesJay lays out a comprehensive strategy for finding private lenders, categorizing them into three pivotal groups:Personal Connections: Utilize your existing network. Family, friends, social media contacts, and community members are all potential sources of private money. Jay emphasizes that an active online presence, akin to his, can bolster these efforts significantly.Expanded Warm Market: Build and grow your connections by joining networking groups like Business Networking International (BNI). These groups offer a fertile ground for expanding your influence and tapping into broader financial resources.Existing Private Lenders: Seek out individuals who already have self-directed IRA accounts. These seasoned investors are often keen on private lending opportunities and understand the mechanism and benefits involved.Leveraging Social Media to Attract LendersOne of the significant revelations from the discussion is the compelling use of social media for attracting private lenders. Jay advises using platforms like Facebook and Instagram to showcase ongoing projects and successful deals. However, he cautions against directly mentioning terms like "private lending." Instead, he advocates creating curiosity by inviting questions, which compels potential lenders to reach out for more information.Personal Journey and Transition to Real EstateJay Conner's journey from the mobile home industry to real estate investing is both inspiring and instructive. His transition was catalyzed by a significant disruption in 2002 when Wall Street funding for manufactured housing was cut off. By 2003, Jay had pivoted to flipping single-family homes, a venture that has seen him rehab over 500 homes with substantial average profits per deal.A key challenge early in his career was assembling a reliable team. He underscores the importance of delegating tasks and avoiding the pitfalls of trying to handle everything alone. This realization led to automating his business operations, enabling him to work a lean 5-7 hours per week while focusing on education and teaching others through platforms like his podcast, "Raising Private Money."The Game Changer: Private Money Post-2008 CrisisJay recounts the 2008 financial crisis, which abruptly closed his line of credit. This crisis turned into an opportunity when fellow investor Jeff Blankenship introduced him to private money lending using self-directed IRAs. In an impressive feat, Jay raised $2,150,000 from private lenders within just 90 days without any direct solicitation for funds.Jay underscores the importance of s

*** Guest AppearanceCredits to:https://www.youtube.com/@moneywithmission3142 "Money is Everywhere with Jay Conner"https://www.youtube.com/watch?v=FgTaMJjHOYY Exploring the Power of Private Money Lending for Real Estate InvestmentsJay Conner, renowned as the "Private Money Authority," recently graced the “Money with Mission” podcast hosted by Dr. Felicia Froe. During the episode, Jay delved into the transformative power of private money lending, sharing his journey from relying on traditional bank loans to becoming a successful advocate and educator in private money. This blog post unpacks the wisdom shared by Jay Conner, offering actionable insights for real estate investors and potential private lenders alike.A Turning Point in Jay Conner's JourneyThe Bank Collapse and a Search for SolutionsJay Conner's real estate career, which began in 2003, took a dramatic turn after the 2008 financial crisis. By January 2009, Jay faced an abrupt financial dilemma: his bank unexpectedly severed his line of credit. With two houses under contract and no traditional financing available, Jay found himself questioning how to overcome this seemingly insurmountable obstacle. It wasn't about "how" he would resolve it, but "who" could assist him.Discovering Private Money LendingA pivotal conversation with his friend Jeff Blankenship introduced Jay to the concept of private money, including the use of self-directed IRAs. This option allowed individuals to lend their retirement funds for investments. Jay's curiosity led him to research and ultimately master the private money lending model, paving the way for his remarkable success in raising funds.Crafting a New Financial PathThe Power of Raising Private MoneyJay's in-depth understanding and strategy for private money paid off quickly. Within 90 days, he raised $2,150,000, far surpassing his previous $1 million bank credit. This success was a game-changer during a time when conventional loans were nearly impossible to secure.Shifting from Borrower to EducatorAcknowledging the transformative effect private money lending had on his business, Jay transitioned into a teaching role. By focusing on education rather than solicitation, he attracted investments organically. He emphasized the importance of leading with a servant's heart and sharing knowledge about private money lending's benefits to potential investors.Strategies and Practices for Real Estate InvestorsPractical Approaches to Real Estate DealsJay leverages private money to fund fix-and-flip deals, averaging a profit of $82,000 per deal. He typically conducts two to three deals per month, amounting to approximately 30 deals annually. Additionally, Jay employs creative financing techniques, purchasing single-family homes on terms and then offering them on lease purchase or rent-to-own agreements.Navigating the Market LandscapeJay's strategy involves acquiring off-market properties, crucial amidst low inventory scenarios. The speed of acquisition, facilitated by private funding, often leads to substantial profits. He cited a recent condo flip netting $160,000, showcasing the effectiveness of his methods.The Dual Roles in Real Estate: Lenders and InvestorsOpportunities for Private LendersDr. Felicia Froe highlighted the significance of financial independence, especially for women, advocating for investments in cash-flowing assets. Jay further explained that self-directed IRAs, an IRS-approved entity, enable individuals to diversify their investments and achieve higher returns compared to traditional re

Welcome to a new episode of the Get Creative podcast! Today, host Jordan Whittenburg is joined by Ralf Hoyos and Ryan Treulieb, who share their experiences with real estate investing, particularly in private money lending and innovative deal structures. Dive into their journey from traditional careers to leading figures in the investment community, and learn how they leverage their expertise to execute profitable deals across the United States.   Highlights: "I've been in real estate my whole life. My mother was in real estate law."   "Investors can assume management of the property immediately. That's just one way we protect money."   "I had an amazing opportunity to drive down, meet him and his family. It was a very humble experience."    "Our community is amazing; I want to shout every single person out.”   Timestamps: 00:00 - Introduction to Creative Real Estate Finance  01:39 - Ralf's Journey from the Mailroom to Real Estate Magnate  06:38 - The Impact of Networking in Real Estate Investing  07:34 - Innovative Approaches to Protecting Investments  08:56 - Dive into a Georgia Deal's Profitable Structure  15:56 - Maintaining Investor Relations and Updates  19:11 - Final Thoughts and Takeaways on Real Estate Investment Success 21:57 - Discussing Tax Implications and LLC Ownership Benefits  23:24 - Expanding Network and Deal Flow Across the United States  26:38 - Building Personal Connections in the Business Community  29:35 - Conclusion: Celebrating Success and Encouraging Listener Engagement   ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc  ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: http://joingatortribe.com/yt    ► Join Our Free Facebook Group to Connect with Pace and his Students: https://paceapproves.com/freefb-yt    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/    PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby 

FF: Tell me What to Buy! There is NO perfect investing advice for anyone. Gold, Silver, BTC, Stocks, Bonds, Mutual Funds, Corporate bonds, Real Estate, Private Money Lending end even cash in a savings account, vault or under your bed all have different risks and rewards. We discuss all of these asset classes today. If you want to know where to start or where to move your money, today's episode is a must listen. www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)

The Consistent Inputs That Produce Growth For Your Private Lending Business If you enjoyed this podcast we would appreciate a positive review...  https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your free account at www.hardmoneymastermind.com

What can you delegate in a private lending business If you enjoyed this podcast we would appreciate a positive review...  https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your free account at www.hardmoneymastermind.com

Private money lending is a powerful strategy for real estate investors to grow their wealth. In this episode of the Finding Financial Fitness show, hosts Nino Gonzalez and Pei Chen interview Jessica Tavison, a young entrepreneur who connects private lenders with real estate investment opportunities. Jessica shares her journey from massage therapist to business owner, explaining her discovery of private money lending and its value in real estate investing. The conversation explores the intricacies of this field, including due diligence, relationship-building, and the role of skilled connectors. Listeners will gain insights into the potential returns, risks, and practical advice for entering the world of private money lending.

Join us as we chat with Stacy Patel from Golden Handshake Capital about the exciting world of real estate investing and private money lending. Stacy shares her journey from accidentally starting in real estate in Arizona to becoming a pro at buying and selling properties for a profit. She dives into how she built a network of capital partners and why educating others about managing their wealth is so important to her. Discover the difference between hard money and private money lending, the benefits of private money lending, and how Stacy balances her roles as an investor, educator, and network facilitator. Stacy also gives valuable advice for anyone looking to get into real estate or private money lending. Don't miss out on Stacy's insights and tips for success in the real estate world! ================================== Want to grow your real estate investing business and portfolio?  You're in the right place. Welcome to the Property Profits Real Estate Podcast

90% Of Our Loans Look Like This If you enjoyed this podcast we would appreciate a positive review...  https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your free account at www.hardmoneymastermind.com  

Welcome to a new episode of Get Creative! Today, host Ingrid Hernandez interviews Monica Heredia-French and Stefanie Blackburn, members of the Gator Tribe. They discuss real estate investing and lending within their community, emphasizing the importance of thorough due diligence and personal accountability. Stefanie, a connector, ensures comprehensive assessments, including past HUDs, credit reports, and Zoom meetings.The episode is about the power of due diligence, trust, and community collaboration in successful real estate transactions.   Highlights: "I really like how Stephanie packages the deal. And all the information. I think she goes above and beyond like, a lot of she definitely goes above and beyond other connectors."    "I ended up making $20,475 in that six months off of my $67,500."    "If there's anybody out there watching this, they're joining, you will by far, like 10x the amount that it cost like the entry fee for Gator, you're gonna make it so quickly. It's and then pace just overdelivers. It's yeah, it's the best community out there in my opinion."    Timestamps: 00:00 - Introduction to the Get Creative Podcast 00:12 - Promoting the Gator Tribe Community 01:20 - Meet Monica Heredia-French and Stephanie Blackburn 02:10 - Stephanie Blackburn Explains Her Deal-Finding Process 06:05 - Monica Heredia-French's Perspective on the Deal 13:06 - Details of the Deal Structure and Returns 16:37 - Lessons Learned About Midterm Rental Financing 20:28 - Monica Heredia-French's Momentum and Capital Raising 23:04 - The Impact of the Gator Community on the Speakers 24:19 - Top Tips for New Gator Community Members   ► Join The Subto Community & Learn Creative Finance Directly from Pace:   https://paceapproves.com/subto-gc  ► Want to Become a Private Money Lender?  Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: http://joingatortribe.com/yt    ► Join Our Free Facebook Group to Connect with Pace and his Students: https://paceapproves.com/freefb-yt    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/     PLUG IN & SUBSCRIBE  Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby 

Jon Hayes has two decades of experience in real estate. As a broker and private money lender all over the state he offers capital to real estate investors with limited access to capital or credit and provides more people the opportunity to prosper from the booming real estate investment market. Listen in for insight on what to do and what not to do through the business Flippin Loan. He helps build real estate portfolios and encourage others in their dreams of investment.  _______________________________Find Jon Hayes on LinkedInhttps://www.linkedin.com/in/jon-hayes-2882a7305?trk=people-guest_people_search-card&original_referer=https%3A%2F%2Fwww.google.com%2FHis business: www.flippinloan.com_______________________________Show hosted by Landry Fieldshttps://www.x.com/landryfieldzhttps://www.linkedin.com/in/landryfields/https://www.instagram.com/landryfields_https://www.youtube.com/@landryfields_www.novainsurancegroup.com859-687-2004

Welcome to a new episode of Get Creative! Today, Kiven Choe is talking with John Chen from Maryland. John is back for a follow-up discussion after his first appearance in March, where he shared insights on private money lending. In this episode, we'll dive deeper into his experiences, lessons learned, and how he successfully leveraged private money to grow his real estate portfolio. We'll explore the importance of securing your lenders and discuss John's journey from borrower to experienced investor.   Highlights:  "I realized I had messed up and did not protect my lender the way that I should have."   "The moment you learn how to raise money, it becomes a skill set that can propel your business."   "I'd much rather go broke than lose someone else's money."   "You're not just asking for money; you're presenting an opportunity."   Timestamps: 00:00 - Introduction and Episode Overview 01:26 - Welcoming John Chen and Initial Conversation 02:46 - Discussing John's First Borrowing Experience 05:01 - Securing Private Money and Lessons Learned 09:58 - The Importance of Protecting Your Lenders 12:23 - Finding Private Money Lenders 15:13 - Leveraging Private Money to Scale the Business 18:57 - John's Focus on Section 8 Housing 20:42 - Benefits of Section 8 Investments 21:28 - Closing Remarks   ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc  ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: http://joingatortribe.com/yt    ► Join Our Free Facebook Group to Connect with Pace and his Students: https://paceapproves.com/freefb-yt    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/    PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby

In this episode of Capital Hacking, we had the pleasure of hosting Mat Sorensen, CEO of Directed IRA, as our guest. Mat shared valuable insights on self-directed IRAs, emphasizing the importance of taking action and getting engaged with one's retirement accounts. He highlighted the benefits of investing in real estate and private assets through self-directed IRAs, showcasing the potential for long-term wealth building and compounding returns.The episode also teased an upcoming event featuring Mat Sorensen, where he will be a keynote speaker and participate in a debate on investing in real estate using IRAs. The engaging and informative discussion with Mat provided listeners with a deeper understanding of self-directed IRAs and the opportunities they offer for financial growth and retirement planning.Ultimate Show note:[00:00:44] Introduction of Mat Sorensen and Directed IRA[00:01:07] Intelligent Investors and Directed IRA[00:02:11] Getting to Know Mat Sorensen[00:03:04] Mat Sorensen's Background and Directed IRA Growth[00:04:33] Importance of Taking Action in Investing[00:05:39] Understanding Self-Directed IRAs[00:09:52] Prohibited Transaction Rules in Self-Directed IRAs[00:15:03] Extended Investment Horizon with Self-Directed IRAs[00:20:10] Investing in Private Money Lending with IRAs[00:22:27] Teaser for Upcoming Event with Mat SorensenTurn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. LinkedinFacebookApple Podcast

On today's Wholesale Hotline Podcast (Subto Edition), Pace Morby sits down with SubTo student and Gator, Lizeth Picuasi, to talk about a recent private money lending deal that made her $15,000 at home with her children. Show notes -- in this episode we'll cover: Lizeth breaks down how she built relationships in the Gator community and through those was able to fund multiple deals with the same investor. Lizeth talks about the team of stay-at-home parents she created who strive to help new Gators find their first deals. She breaks down how she forecasts making $300k-$350k in her first year since joining the Gator community.   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Subto Breakout✌️✌️! ☎️ Need discounts and free trials!? Check this out for the softwares/websites/contracts/scripts/etc we use in our business: ✌️ https://shor.by/pace-youtube ✌️ ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖

Today we had the pleasure of sitting down with the incredible Jay Conner, a real estate mogul whose success story is nothing short of inspiring. Jay's journey in the real estate industry began in 2003 in a modest town of 40,000 people, where he started buying and selling houses. Fast forward to today, and Jay's profits are soaring, averaging an impressive $78,000 per deal! With over 475 houses rehabbed and a staggering $118 million in transactions under his belt, Jay has truly mastered the art of real estate investment. His passion for motivating and educating fellow real estate investors shines through as he shares his expertise on raising private money without ever having to ask for it. With over 2,000 real estate investors personally coached by Jay, it's clear that his knowledge and guidance are invaluable to those seeking success in the industry. Jay shared his expertise on the art of raising private money without the need to directly ask for it, highlighting the importance of building genuine relationships and trust within the real estate community. With his wealth of experience as a commercial developer and seasoned investor, Jay's guidance on personal development resonated deeply, inspiring listeners to cultivate a mindset of growth and resilience. In this episode, we talked about: Jay's background and how he started buying and selling houses using private money lending The importance of Private Money Lending versus Institutional Money The important lessons he learned in the industry and being in this business Lending process and the ideal borrower qualifications Connect with Jay:  Website: https://www.jayconner.com/  Linkedin: https://www.linkedin.com/in/privatemoneyauthority  Podcast: https://podcasts.apple.com/us/podcast/raising-private-money-with-jay-conner/id1377723034  Youtube: https://www.youtube.com/channel/UCZfl6O7pRhyX5R-rRuSnK6w  Free Book: https://www.jayconner.com/book  Connect with Pantheon Investments:  Join the Pantheon Investor Club: https://pantheoninvest.com/investor-signup/   Website: www.pantheoninvest.com   Podcast: www.pantheoninvest.com/podcast   Facebook: https://www.facebook.com/PantheonInvest   Instagram: www.instagram.com/pantheoninvest   LinkedIn: https://www.linkedin.com/company/pantheon-invest   Twitter: https://twitter.com/Pantheon_Invest    Youtube: https://www.youtube.com/channel/UC8EsPFlwQUpMXgRMvrmbAfQ   Holistic Wealth Strategy Book: https://www.amazon.com/Holistic-Wealth-Strategy-Framework-Extraordinary-ebook/dp/B0BX4SDMS7/ref=sr_1_1?keywords=holistic+wealth+strategy&qid=1681472301&sprefix=holistic+wealth%2Caps%2C99&sr=8-1   Email: info@pantheoninvest.com     Get your FREE copy of the book here: https://holisticwealthstrategy.com/ 

Recap from Inner Circle Group in Dallas May 2024   If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070   Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your free account at www.hardmoneymastermind.com  

Welcome to a new episode of the Get Creative Podcast! We are joined today by Shiladitya Das as he shares his journey into private money lending. From initial fears to lucrative returns, Das dives into his experience and offers valuable insights and inspiration for those looking to venture into real estate.   Highlights: "In our world, in Project program management, everything seems like it's a team; you cannot win by your own. It's a whole team win." "My primary focus is to get more private money lenders for bigger deals. And also, from time to time, work on bringing deals where I can buy them myself." "I was in the software industry for over 20 years and had zero experience in real estate transactions. But now, I definitely see this as my primary. I love this."   Timestamps: 00:36 - What is Private Money Lending? 03:00 - Overcoming Fear in Investing 04:29 - Securing Investments 05:31 - Potential for Full-Time Income 07:20 - Goal Setting for 2024 08:27 - Diversifying Investments 09:22 - Transitioning to Real Estate 10:45 - Community Support and Growth 11:42 - Seeking Private Money Lenders   Join my SubTo Mentorship: http://joinpacescommunity.com/ Join Our Free Facebook Community : https://paceapproves.com/fbg-pod

Join us on The Freedom Achievers Podcast for an insightful discussion with special guest Yves Cham as we delve into the intriguing topic: "Where is Lending Going??" In this episode, we explore the evolving landscape of lending, from traditional banks to emerging fintech platforms. Yves Cham, a seasoned expert in the finance industry, shares his expertise and forecasts on the future of lending, discussing trends, challenges, and opportunities that lie ahead. Whether you're a borrower, investor, or simply curious about the direction of financial markets, this episode promises valuable insights and thought-provoking discussions. Tune in to gain a deeper understanding of the ever-changing world of lending and its implications for financial freedom and success. GET A COPY OF MY NEW BOOK: THE TRUTH ABOUT FAILURE AND LEARN HOW TO GET FREE ACCESS TO THE TRAINING:  https://www.truthaboutfailure.com/ JOIN MY COACHING ACADEMY: https://freedomachieveracademy.com/join

Join us on the Get Creative Podcast for an insightful chat with Scott Falvey, a seasoned private money lender, as he shares his journey into the world of real estate investment. Discover the secrets behind successful private money lending deals, learn from Scott's firsthand experiences, and gain valuable insights to fuel your wealth-building journey.   Highlights: "Private money lending is one of the greatest cheat codes to get involved." "Connections compound over time and bring opportunities."  "Lessons learned are more valuable than the money made."   Timestamps 00:00 - Meet Scott Falvey: Private Money Lending Expert 00:59 - The Power of Private Money Lending 03:14 - First Real Estate Venture 05:31 - The Importance of Clear Payoff Documentation 07:12 - Building Valuable Connections 08:02 - Scott's Philosophy 09:19 - Vetting Investors and Coordinators 11:12 - Connect with Scott 12:42 - Scott's Investment Goals 13:09 - Closing Thoughts Join my Gator mentorship: https://paceapproves.com/gatortrainingyt Join Our Free Facebook Group: https://paceapproves.com/fbg-pod

This is the Wholesale Hotline Podcast (Wholesaling Inc Live Edition), the best 120 minutes in wholesaling education -- live with Brent Daniels. Show notes -- in this episode we'll cover: Brent answers your questions live. Knowledge from Brent and some of the best wholesalers in the industry. The most important news affecting the wholesaling industry. Your weekly dose of wholesaling motivation. Interviews with industry experts and successful wholesaler. Please give us a rating and let us know how we are doing! ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & TTP Breakout

In this solo episode, CJ Finley discusses the topic of money and how to stay focused on financial goals throughout the year. He emphasizes the importance of regularly evaluating and setting financial goals for both personal and professional endeavors. CJ also clarifies the distinction between active income and passive income, debunking common misconceptions about passive income. He encourages listeners to prioritize active income and put in the necessary work to build a passive income stream.   Key Topics [00:01:15] How to think about money. [00:05:18] Passive income strategies. [00:08:05] Investing in real estate. [00:10:14] Private Money Lending. [00:13:11] Where to learn about making more money.   Get access to CJ's discounts of amazing health, wealth, and happiness products.. GO HERE     Connect with CJ Finley: CJ's Instagram CJ's YouTube CJ's Twitter cjfinley.com   ThriveOnLife Podcast Instagram thriveonlife.com  

In this episode, host Vinki Loomba welcomes Alex Breshears, a multi-faceted private money lender, short-term rental owner, and educator in private lending. The discussion delves into private lending to attain passive income through real estate investments.This episode unveils the potential and strategies of private lending, emphasizing its alignment with a dynamic lifestyle and financial independence for savvy investors.In this episode, Vinki & Alex chat about:✅ Exploring Alex Breshears's journey from a chemistry professor to a leader in private lending.✅ Private Money Lending Fundamentals✅ Leveraging Short-Term Rentals to generate a steady revenue.✅ Syndication Investments: The role and benefits of being a limited partner (LP) in real estate syndications.✅ Educational Initiatives in Private Lending: Introduction to Alex's Facebook group, 'Private Lending Lessons', and its contributions to investor education.✅ Authoring “Lend to Live”: Discussing key takeaways from her BiggerPockets guidebook and how it aids investors in earning passive income.✅ Empowering Female Investors for financial independence and education.Alex Breshears is a multifaceted real estate expert renowned as a private money lender, short-term rental owner, and limited syndication partner. A dedicated private lending educator, she authored the BiggerPockets guidebook “Lend to Live: Earn Hassle-Free Passive Income in Real Estate with Private Money Lending.” Founder of the educational Facebook group 'Private Lending Lessons,' Alex champions financial education and independence, especially for female investors. Her rich background includes a decade-long tenure as a chemistry professor focusing on pharmacology, complementing her diverse expertise in real estate investment.This episode is crucial for those aiming to integrate private lending into their investment portfolio and those seeking a deeper understanding of the opportunities and nuances in the private lending sector.Contact Alex Breshears - https://www.linkedin.com/in/investpassively2liveactively/Join Facebook Group - www.facebook.com/groups/privatelendinglessons/▶️ Show Your Love:If you found this episode valuable, we'd greatly appreciate your support! Leave us a five-star rating, and share your thoughts in the comments. Don't forget to like, share, and subscribe to ensure you never miss an episode of The Real Estate Vibe podcast.Follow us @https://twitter.com/loombainvesthttps://www.instagram.com/loombainvesthttps://www.facebook.com/Loombainvesthttps://www.linkedin.com/in/vinkiloomba#realestate #realstateinvesting #multifamilyinvesting #passiveinvesting

Today's Deal Scout episode features an eye-opening interview with Jay Connor, a seasoned investor who's mastered the art of private money lending, and you won't want to miss his advice on everything from raising capital to self-directed IRAs.

When you first think of real estate investments, flipping properties, running short-term vacation rentals, or becoming a landlord are the first things that typically come to mind.  Many investors purchase properties and either renovate to resell them or rent them out, but there's another way to work as a real estate investor without actually needing to be involved in the sales or renting processes. Private money lending is an alternative to active real estate investing that requires more hands-on involvement—and the potential return on investment (ROI) can be exceptional.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Origination Scripting Secrets If you enjoyed this podcast we would appreciate a positive review...  https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070   Make sure to check out the #1 Free Community For New and Experienced Private and Hard Money Lenders.. Create your free account at www.hardmoneymastermind.com

If you're looking for a great option to grow your hard-earned cash, listen to this episode with “Nick The Note Guy!” In this conversation, he clearly explains seller financing, mortgage notes, mitigating risks associated with buying notes, and establishing yourself as the bank in the real estate space. Don't miss out on learning the non-traditional way of generating consistent cash flow!Key Points & Relevant TopicsThe difference between The Great Recession in 2007-08 and today's marketAn introduction to seller financing, mortgage notes, and the idea of “becoming the bank” in real estateHow do you mitigate the risks of being a lien holder or mortgage buyer if something happens to a property?The power of understanding how amortization works How challenging is it to redo or change a note?Advantages of becoming the bank and going from landlord to lienlordHaving the right people on your side throughout your real estate journeyResources & LinksApartment Syndication Due Diligence Checklist for Passive InvestorAbout Nick LegamaroNick Legamaro, also known as “The Note Guy” is the founder of USANotePro.com; an online portal designed for real estate and note investors looking to create, buy, or sell mortgage notes secured by residential real estate.  He has been investing in real estate since 2001. He had bought, fixed, rented, sold, flipped, been a lender on 1000+ properties, and personally looked at over 10,000 deals. Nick loves to teach and show others how to invest in real estate notes as an alternative to the stock market. Get in Touch with NickWebsite: USA NoteProTo Connect With UsPlease visit our website www.bonavestcapital.com and click here to leave a rating and written review!

I don't keep much money in a savings account, money money market account, or treasury bonds. They only pay 5% interest. Instead, I get 10-12% cash returns and semi-liquidity by private lending on real estate and operations with Freedom Family Investments. My guest, the company CEO, Dani Lynn Robison and I discuss how it works. They're a family of 7 real estate-centric companies. They pay me 10-12% on a loan that I make to them that funds their real estate and business operations. You can too. It's called their Master Note.  Text “GRE” to 66866. These private lending programs have just a $25K minimum, accredited and non-accredited, returns up to 12%. Rather than getting in on the equity side here, which is usual, you're getting in on the debt side. This way, you're more liquid than when you buy property yourself. We discuss 3 vital investor questions: Who do you trust? Where do you begin? What's the best path for you? Dani Lynn & I discuss a good investor outcome. We also discuss how when things went wrong, the investor/lender still got completely repaid. I can personally tell you that they've always paid me on-time and in full. Some people don't like to share where they personally invest, but this could really help you. Vocabulary terms explained: financial runway, demand depositor, time depositor, vertical integration. If a high-yield passive return of 10-12% sounds interesting to you, text FAMILY to 66866. Resources mentioned: Show Notes: GetRichEducation.com/475 For 10-12% returns with Master Notes with  Freedom Family Investments: Text “FAMILY” to 66866 Dani Lynn Robinon's book, “Get Real”: https://www.amazon.com/Get-Real-Understand-Estate-Investing/dp/B0BZF99S5K For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Timestamps:   The importance of increasing income (00:01:28) The speaker emphasizes the importance of increasing income rather than cutting expenses and discusses the concept of a financial runway.   The need for liquidity in real estate investing (00:04:05) The speaker explains the need for liquidity in real estate investing and recommends having 3 to 5% of the total value of a real estate portfolio in liquid funds.   Investing in residential real estate for strong returns (00:06:44) The speaker discusses the benefits of lending to the long-term stability of residential real estate and related businesses, highlighting the potential for strong returns.   The acquisition and growth of Freedom Family Investments (00:11:35) This topic covers the growth of Freedom Family Investments, including the number of units acquired, funds raised, and the value of their portfolio.   The concept of vertical integration in real estate (00:12:38) This topic explains the concept of vertical integration in the business world, specifically in the context of real estate companies. It discusses how vertically integrated companies have more control over their supply chain.   The Master Note Program by Freedom Family Investments (00:15:45) This topic introduces the Master Note Program, a lending program offered by Freedom Family Investments. It explains the program's features, including high yield returns, liquidity, and the option to compound interest.   Private Money Lending and Investing in Materials (00:20:57) Danny explains the process of private money lending and how investors can invest in materials for discounted prices.   Expansion of Opportunities for Passive and Active Investors (00:23:34) Danny discusses the various opportunities available for passive and active investors, including turnkey real estate, private money lending, and funds.   Minimum Investments and Accredited vs Non-Accredited Investors (00:26:22) Danny explains the minimum investment amounts and the options for accredited and non-accredited investors, as well as the different investment opportunities available for each category.   The trust question (00:30:14) Importance of trust in investment, transparency, and how to choose trustworthy partners.   The worst deal (00:32:21) A story about a bad investment deal, the importance of honoring commitments, and how volume can mitigate risks.   Get Real (00:35:28) Introduction to the "Get Real" book series, the importance of authenticity and transparency in real estate investing, and the power of sharing failures.   Time Deposit Accounts and Demand Deposit Accounts (00:38:36) Explanation of the differences between time deposit accounts (like CDs) and demand deposit accounts (like checking and savings accounts).   Vertical Integration in Business Strategy (00:38:36) Definition and explanation of vertical integration as a business strategy where a company takes ownership of multiple stages of its supply chain.   Financial Runway (00:38:36) Definition of financial runway as the amount of time one can maintain their lifestyle without the need for a paycheck.   Complete Episode Transcript:   Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Why settle for growing your money at a 5% interest rate in a savings account, money market account, or treasury bonds? You could earn double that or more. In fact, we're talking about exactly where I invest my more liquid dollars myself, often with a real estate centric backing. Today on get Rich education.   Speaker 2 (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 1 (00:00:51) - We're going from Hartford, England, to Hartford, Connecticut, and across 188 nations worldwide. I'm Keith Weinhold, you're listening to episode 475 of the Get Rich Education Podcast, the Voice of real estate investing since 2014. Don't live below your means. Grow your means. It's in your genes. Most people tie up so much life energy in their job, and they're scared to death of losing their job because it provides everything to them, not just their salary, but their health care, their retirement, and even who they are.   Speaker 1 (00:01:28) - And then even their very identity is in their job now. So that might be okay, especially if you truly get a deep existential meaning from your job and you get that sense. In fact, in that case, thank you. You're probably serving society, and I might be a beneficiary of that. But now we isolate the fine part of your job. It is a real mystery to me how so many study, how work works, so few study how money works. And yet money is the main reason that people go to work. In the personal finance world, it's more important to increase your income, then cut your expenses. Spend more time building a cash flow statement. See that's constructive to your standard of living, not a budget which is destructive to your quality of life. Think of residual income in terms of what I'd like to call your financial runway. Your financial runway. Yeah, it is that amount of time you can maintain your lifestyle without the need for a paycheck. So the length of your financial runway is measured in time, and it is critical for you to lengthen this runway if you hope to retire early and it can dramatically reduce your stress.   Speaker 1 (00:02:49) - Level two well, that can create outcomes so that you can say, go on a super long vacation and make your ostentatious display of time wealth as it is now. At some point in your life you probably listen to and had. The real estate pays five ways epiphany. And it is really compelling to then keep the majority of your capital invested there, for sure. But you likely don't want to keep absolutely 100% of your dollars there because you need some liquidity to fund the operations of your daily life. In fact, you can make the case that you need more liquidity than a non real estate investor does. Now, a six month emergency fund is the rule of thumb for laypeople, but on top of that is real estate investor. It's also a good idea to have 3 to 5% of the total value of your real estate portfolio in liquid funds. Now, a lot of people hold liquidity in a bank, and you do that as either a demand depositor or a time deposit. In fact, in banking vernacular, do you know the difference between demand deposits and time deposits? Well, demand deposit accounts, they include things like checking accounts, savings accounts and money market accounts.   Speaker 1 (00:04:05) - And they're called demand deposits because they allow you to withdraw your money from the account whenever you want to. That is different from time deposit accounts, like a CD, which requires you to deposit your money for a specific length of time. So that's the difference between a demand deposit and a time deposit. So time deposits like a CDS certificate of deposit. Therefore they pay you a high your rate of interest in exchange for your reduced liquidity. Now with that understanding, let's take a time out here to remind ourselves of something. When money flees the stock market, which it often does, it usually ends up in bonds as demand for bonds goes up, their interest rates go down. Then, as bond interest rates go down, investors go back to stocks in pursuit of yield and everything reverses. So that is an ebb and flow of funds, which creates a degree of equilibrium. But it also moderates your return. And you're also never going to get in and out at just the right time trying to time those markets.   Speaker 1 (00:05:22) - So when it comes to your dollars that you don't have being actively leveraging real estate, you know you can't hit every note in the symphony yourself with just one investment vehicle. It takes an orchestra full of your prosperity, all your dollars, all playing their notes boldly to help you hear the complexity of the. Position. Well, when you park money at an everyday bank or a treasury bond. Either way, you're now making a loan and oftentimes the exact way that that loan is backed your collateral that's actually unknown to you. Well, instead of that, what we're talking about today is that you can lend to the long term stability of residential real estate and related businesses and still get a strong return. And yes, I'm focused on the resilience of residential, just like we have here at from day one. Now, when it comes to something more precarious, really touchy section like office real estate. We work. They're expected to seek chapter 11 bankruptcy protection after that embattled office space company missed interest payments that it owed to its bondholders.   Speaker 1 (00:06:44) - So instead, you can keep your more liquid and semi liquid dollars working for you as a loan to someone else in residential, and enjoy some of the condensation on that pipe with returns that are about double what you can get on a 5% savings account today. Now, today it is the right time to talk about returns of 10% plus, because just a year or two ago, we were in this inversion where inflation was higher than interest rates. That's atypical. In fact, in June of last year, CPI inflation peaked just over 9%. And you got to ask yourself, how attractive is a 10% return on your liquid dollars? If inflation is 9%, well, that's not attractive to you at all because you real rate of return would only be 1% in that case. But now with inflation down, you can get a higher real return again. Today, interest rates are higher than stated CPI inflation and even the true rate of inflation. If you know where to look for that and you have a sense for what that is today, I'll help you know where to look, because it's exactly where I invest my liquidity today.   Speaker 1 (00:08:02) - See, in order to do this, it's really investing like a billionaire. And you don't need to have some wealthy sounding name like Brandon Meriweather, Rudiger, Bertram Lawrence, Perry Bottom or Carruthers Davenport. You don't need any names like that. You just need the knowledge. No, I guess I won't call you Carruthers if you preferred, but I think you'd sound like a guy that blows rings of smoke into people's faces. And I don't think that's a good look for you. We'll talk to the custodian of my funds here shortly. I make private loans to her company. She and I both serve on the Forbes Real Estate Council. She is a strong visionary, and she's not afraid to discuss problems either. That's something I really like. In fact, I'll be sure that comes up. This could really help you today. That's next. I'm Keith Weinhold in your listening to get Rich education. Diary listeners can't stop talking about their service from Ridge Lending Group and MLS. 42056. They've provided our tribe with more loans than anyone.   Speaker 1 (00:09:10) - They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your prequalification and you can chat with President Caeli Ridge personally, or even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate, and I kind of love how the tax benefit of doing this can offset capital gains in your W-2 jobs income. They've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866.   Speaker 1 (00:10:27) - Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six.   Speaker 3 (00:10:39) - This is Hal Elrod, author of The Miracle Morning and listen to get Rich education with Keith Weinhold and Don't Quit Your Daydreams.   Speaker 1 (00:10:56) - Okay. I'd like to welcome back onto the show today, the co-founder and CEO of the whole operation Freedom of Family Investments. There's seven real estate centric companies based in Centerville, Ohio. By the way, the other co-founder is her husband, Philip, whom you've heard on the show before. Hey, we are graced with the presence of Dani Lynn Robison.   Speaker 4 (00:11:15) - Hello, Keith. I'm so happy to be here.   Speaker 1 (00:11:18) - So good to see you again. I've got to congratulate you on your success. You've got 62 team members. They're now in your vertically integrated companies. And by the way, that's a term vertically integrated that might throw some listeners off. I'm going to come back and explain just what that term means. They've done over 1500 deals now.   Speaker 1 (00:11:35) - They've acquired 600 plus units since 2020, and they've raised more than $20 million through podcasts and word of mouth. And they now have a portfolio valued at $32 million. Plus, they've been in real estate since 2008. And they'll tell you that they have a perfect track record of always returning investor capital, including to me, I'm one of their investors and paying 100% of the returns as promised, even if they themselves lost money on a deal. We'll talk about what losing money on a deal looks like in a moment. And in fact, you, the listener, you've probably heard me talk about how I personally participate for a high yield return with them myself, with Danny Lin's company backing me near the middle of Gary. Episodes like this right here. You know, I'll just tell you, for the most passive part of my real estate investing personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%.   Speaker 1 (00:12:38) - Well with having. Listen to that. Danny, I want to ask you about your master note program shortly. But first, since this is get rich education, emphasizing the education part here, I think the term vertically integrated, that might throw some people off. It sounds like a mouthful. And. And what is that, Danny Lynn seven syllables. But it is a term that you, the listener, you see that and hear that across the entire business world, vertically integrated. That's a term for a business strategy where a company takes ownership of two or more stages of its supply chain. So, for example, a vertically integrated automaker, they might produce automobile components and vehicles and also sell directly to customers. All right. That's ownership of multiple stages of a supply chain. So to me it comes down to vertically integrated. It means that you now have more control. So Danny tell me about how that vertical integration applies to your seven real estate companies.   Speaker 4 (00:13:41) - You nailed it. As far as the definition and really why we created all of the companies when we first initially created our turnkey real estate company, we hadn't had the intention of bringing everything in-house.   Speaker 4 (00:13:54) - But as we outsource different pieces of the renovation or the property management, we found that the lack of control that we had was hurting us and hurting our investors. And so one by one, we would bring in a company. So first was renovations. Because of all the contractor nightmares that many fix and flippers have experienced themselves. We had them too, and in spades because we were doing volume. So we brought that in-house first so that we can control the subcontractors and the project management and the scopes of work and how we paid our contractors. The next thing we brought in house was property management. And then we had a brokerage so that we could just list our properties on the MLS internally and keep that in house as well, since we had to have a broker anyway. And then acquisitions got brought in-house because the wholesalers were buying all of our deals from went dry with deals and we're like, hey, we need deals. And so we brought the marketing in-house and started doing acquisitions. And then I've told this story of drugs, thugs and bugs many times about our 56 unit apartment complex.   Speaker 4 (00:14:54) - That led to company number six, which is our funding syndication company. That was a really great company because it allowed our private money lenders to be able to start putting their money to use 24 over seven instead of going in and out of deals. And then company number seven is going to be a hard money lending company, because as we've raised all of this capital, we found that there's times we have excess capital and we don't want to say no to incoming investors. So we started using that to network with our mastermind groups and saying, hey, let us know if you've got a deal going on. We'll underwrite it. And if we feel like it's a good deal, we'll go ahead and lend on that deal for you. And it allowed us to keep putting that money to work for our investors. So it's been really fantastic. Help us as an internal company, helped our investors be able to earn more returns and helped other our entire network just do more things with us.   Speaker 1 (00:15:41) - That's a vertical integration. And like that it hadn't heard that before.   Speaker 1 (00:15:45) - Drugs, thugs and bugs can lead to an epiphany that creates a new company bringing more in-house. So you have to listen to the least you need to remember is vertical integration. That means control. And one of your company's vertically integrated into that, Danny, is something that can benefit the listener here, and that is your lending arm. Now, your most popular program for giving everyday investors high yield returns is your master note program. That's actually a common program in the private lending industry, but some might not know about it. So go ahead and talk to us about what your master node program is.   Speaker 4 (00:16:25) - So this was brought to us by an investor who was working with us and said, hey, I love your private money lending program. You know, I've researched you. He actually found us on Forbes and came to our office and visited and said, I would really love to lend, but I don't necessarily want to keep going in and out of deals. And so we worked with an attorney and said, hey, what can we do in order to keep an investor's money at work? And so he talked with us and we explored different ideas, and we kind of went back and forth between us and the investor and the attorney and ultimately created this program called the Master Note Program, which offers investors 10 to 12% returns.   Speaker 4 (00:17:03) - It offers them liquidity so they can get cash out at any year that they want. So they'll invest in every single year they have the opportunity to say, hey, I'm going to go ahead and give you 180 days notice to get my cash back. So the liquidity piece has been really, really powerful, especially for private money lenders, because they reason that private money lenders like that program is because they know that, that they're going to get their capital back in 12 months or less. And at that point in time, they're going to say, hey, do I want to invest again? Yes, okay, I do. Or hey, I could use this money for something else that I was waiting for. And in the meantime, it was earning interest while I was waiting to use it for this other avenue. So the master note program was really just meant to have flexibility and to be able to customize the program based on the investor's goals. So what we've done is created a five year auto renewing note.   Speaker 4 (00:17:55) - So that way these investors can say, hey Danny, I've got $100,000. I'd like to invest that with you. And at that $100,000 level, that is 12% interest. And so they put the money in, and they know that every single year it's either going to auto renew or they're going to say, hey, I'm ready for the money to come back to me. And it also allows us to give them compound interest. I would say over half of our investors are not investing with us for distributions or cash flow. They actually are investing with us because they trust us and they trust our track record, and they want their money to grow. And so they actually choose to compound instead of taking the distributions, which allows for faster growth.   Speaker 1 (00:18:39) - Your master note program 10 to 12% returns. I know it's just that 25 K minimum. So it's really available to investors. So okay. Unlike an all say five year certificate of deposit from a bank that might only pay you 5%. Plus you're illiquid for five years.   Speaker 1 (00:19:00) - With a conventional instrument like that, you can cash out your master note any year, or you can just keep rolling it over. You have the option.   Speaker 4 (00:19:09) - Exactly right. And so what's interesting is we all like liquidity. I know Philip and I like liquidity. It's nice that you got this peace of mind that you can access your capital if you choose to do so, but in reality, most of us leave the money exactly where it's at. We like to see the growth. We like to see, you know, the returns that we're getting. And we get excited and we're like, where else am I going to put this money? So I love having the ability to get it back. But I would say 95% of the people in our master program and even our funds, after they get to the period in which they committed to, whether that be a year or three years, just depends on the vehicle that they're using. They stay there like, I love this, this is fantastic. You can keep my money and just keep it growing.   Speaker 1 (00:19:51) - Real estate is largely thought of as an equity based investment. You're the listener, putting 20 to 25% down and borrowing the rest. That's great. We talk about the virtues of doing that all the time, but you are not very liquid when you do that. Here. We're getting on the opposite side rather than being on the equity side. You're on the debt side, you're making a loan and you have higher liquidity this way.   Speaker 4 (00:20:18) - Exactly right. And so with our master Note program, the way that we worked it out with the attorney is it's used for both deals and our business growth. So that's really important that I think that we talk about because the private money lending. Let me give an example. Private money lending. You are going to maybe loan a $70,000 and that's going to cover an acquisition and rehab of a property. But maybe you had $100,000 available. Now your $70,000 is backed by a lien on that property. And then once we're done with the rehab and once we resell the property, then we're going to give you all of your capital back, plus the interest that you were owed for the time that we borrowed your money.   Speaker 4 (00:20:57) - Now, this is where our private money lender said, Danny. Danny, will you keep my money? And if you're a private money lender, I have to say no, I can't. I have to give you back your money because you have to sign a release of mortgage. There's a lean on that property. You have to sign the release that you got your capital back, and then we can give you another deal. And that might take two weeks or two months. What the most master program provided for investors was allowing them to invest with us still being used on deals, but for our protection, if we didn't have a deal to put money into, then we can use it for the growth of the company. So right now we're actually partnering with another investor who is out of Columbus, and we are creating a home supply company of materials. We have this opportunity to buy materials at huge, huge, massive discounts. And so we're working on acquiring the office space that we're in, which has 20,000ft² of warehouse right next to us, and we're going to buy in bulk all of these materials.   Speaker 4 (00:21:54) - And not only is that reducing the cost of our business and our rehabs, but now we can help other investors in the local area save money. And we have created a revenue stream. As a result, the growth of all the companies has been a result of working with investors exactly like this. So now the investor gets to say, hey, Danny, I'm going to give you $100,000 and I'm going to invest it in this master note program. Now they got to use $30,000 or more of their capital, as opposed to the $70,000 example I use for private money lending, so they can put all the capital they want to use. And then me, if I have a $70,000 deal, that I'm still going to use it on that same deal, and it's owned by our company, and then that other $30,000, then I can use it for things like we're buying materials in bulk, and it's allowing us to save money on those rehabs. It's allowing us to create another revenue stream. So it allows us to have a little bit of flexibility, and it allows the investors to have a higher return, still have that liquidity piece and still have it backed by real estate and or our business.   Speaker 1 (00:22:59) - Well, what an explanation. And you know what's interesting, Danny Lee, and listening back to that is the realization that most bank depositors don't have any idea how that bank is investing their money. They don't know how their deposit is backed at all. But with an explanation like that, that's substantive, we really do hear. So it's really an interesting contrast. We discussed the details of your master note program, including where you can get up to a 12% return. Tell us about the other opportunities that you have besides your master Note program.   Speaker 4 (00:23:34) - Because of our vertical integration, we have many different things that we can offer. If you're a passive investor, we have turnkey real estate. We do have private money lending, the master node program. We have funds that also provide great returns. And one of them we're getting ready to launch in the next couple of weeks, is offering even more liquidity, allowing people to get in and out in 90 days. So for those who don't want to wait a full year, maybe they just want it.   Speaker 4 (00:23:59) - Hey, I just want to put my money to use and I want to have this access to it every 90 days. We're now allowing people to have that option, and that is really a reflection of our conversations with investors in seeing what they want based on today's market, today's economy, what they feel comfortable investing in. So that's some of the passive investor opportunities for our active investors. We don't typically serve them. But I thought, hey, you know what? We are buying all of these deals and we're getting all of these leads, some of the deals we don't want, maybe because we have enough and we don't want to buy another one because our rehab team is stretched and we don't want to have a house sitting for a couple of months for our rehab team to be able to get to it sometimes. There's other reasons. So now we are starting to wholesale properties to investors who are active, that are wanting to flip the properties themselves for a higher profit. And because we are vertically integrated, we said, hey, if you want to buy one of these wholesale properties that we're not buying ourselves, we have a renovations department, we have a property management department, we have a brokerage.   Speaker 4 (00:24:58) - So if you're an out-of-state investor, you've got an entire team you can leverage through us to be able to buy a property as is, get it renovated, and then either sell it on the market or hold it and have our property management company look after it. So we're just continually trying to expand what we can do in service of other investors.   Speaker 1 (00:25:18) - I love that we can let the term vertically integrated just roll off our tongue. Now that everyone knows that, it means having control of multiple portions of the supply chain of their business, a real estate business. In this case, again, we're talking with Danny Lynn. She is the co-founder and the CEO of Freedom Family Investments. You deal with investors on both the more active side and the passive side smartly. I know, Danny Lin, that you don't call turnkey real estate investing passive, even though it's mostly passive. It's not completely passive. You have both passive and active sides. You know what investors want. You know the pallet of items to offer them with what interests them.   Speaker 1 (00:26:00) - So with that in mind, tell us just a bit more on the landscape overall in just how you serve people. I know a lot of them. For example, they might wonder, do I need to be accredited or do I need to be non accredited? And tell us more about the minimum investments amounts kind of that bar to clear in order to participate with you, just like I am myself.   Speaker 4 (00:26:22) - For the minimum investments, it's $25,000. That's typical for turnkey properties. That's typical for our master node program, and then $50,000 for some of our funds, also our private money lending program. And then for the accredited versus non-accredited, we have both options. So there are rules as to when we can offer certain investment opportunities if you're non accredited. So things like private money lending, turnkey investing, master node program those are all opportunities for non accredited investors. And then for our accredited investors we have funds that are it's 506 C. It's a little bit technical but it's the way the SEC says hey you can talk about this.   Speaker 4 (00:27:01) - You can advertise it but you can only allow accredited investors inside. So as we work with our attorney we are like, okay, we don't want to serve just accredited investors. So how do we make sure that we're serving both at the same time? And so we've made sure to just really have a variety of offerings. And I talked to people a lot about what you said about active versus passive. I think that's a really, really important conversation because many people who are getting into the real estate game, they don't know whether they want to be active or passive, and so many of them end up being active first, only to realize they just created another job for themselves. And then they go, okay, I don't want to do this anymore. I actually want to live a quality life. I want to spend time traveling. I want to spend time with my spouse or my kids and just enjoy life. And I didn't mean to create another job, even though it is building wealth. And then they move to the passive side so that they can get mailbox money or have their money working for them while they sleep, or while you are traveling like you just got back from traveling.   Speaker 4 (00:28:05) - Keith and I loved watching your Facebook post, right? I love having that educational piece of really talking to somebody about what their goals are, what the quality of life is that they want, so they don't make a mistake of going active, only to feel like they lost some time because the active journey is difficult, like it's not been easy to build seven real estate companies, and we've got two more in the wings that we're getting ready to launch that we talked about even the the home supply company. It's not an easy road. You make a lot of mistakes, you lose a lot of money. And so when somebody has capital to invest in, their goal is to grow their wealth, build wealth, have a legacy, be able to retire and not worry about money. Going the active route may seem like I'm going to make more money because I'm going to get the big chunk of equity, but it ends up being something where they learn the hard lessons themselves and then usually waste a lot of time and energy and frustration, only to realize that they probably could have made equal, if not more on the passive side and not had all the stress.   Speaker 4 (00:29:06) - So I love really having that conversation with everybody. I love active and passive investors alike. It's just making sure that they truly know what journey they want to be on.   Speaker 1 (00:29:16) - In my mind, the term ROI return on investment is more active and a term that I've talked about wrote I return on time invested with that being considered that falls more on the passive side with you guys experience and understanding, you're surely quite cognizant of that. Why don't you talk to us about some of the other questions that you get from new investors, things that really they want to know about before going ahead and making a loan and participating in a lending opportunity with you.   Speaker 4 (00:29:49) - So the top three questions that we get is where do I start? Which path is right for me and who do I trust? And I actually talked to one of our investors who has grown his seed capital of $100,000 into $2.5 million with us over the course of four years that he's been investing. Every time he has capital, he's like, what opportunities do you have and where can I put my money? And again, we talk about compound.   Speaker 4 (00:30:14) - He has been compounding since day one with us and is really allowed his capital to grow extensively. I was interviewing him to tell his story about his journey with us and his experience. He actually said, you know, those questions are funny, Dannielynn. I would tell you that you should ask them in the opposite order. You should say, who do I trust? And then once you know who to trust, then ask, where do I start and which path is right for me? And I do agree that the trust question is the most critical piece of the puzzle, right? So many times I get on the phone and I talk to investors who have lost money working with somebody else, and so they've maybe heard me on your podcast or seen me somewhere else and heard me say over and over, private money lenders, our investors are our number one priority. I am never going to put myself in a position where they're not receiving their full capital back, receiving every single penny owed for the interest of the time that I was using their capital.   Speaker 4 (00:31:11) - And I'll allow myself to lose money to make sure that they get paid. And that's so important to me that I tell people very often they said, you want to work with people that will be transparent enough to say, this is my worst deal, this is what happened. And what you're going to get by asking that question is a revealing of their character. Yeah, who they are. How did they treat that situation? How was the investor treated in that situation and what happened? Did they tuck tail and run? Do they walk away, which many investors do? They get frustrated and they're like, oh my gosh, I lost all this money. What am I going to do? And they just they stop answering their phone. They stop answering emails. And then the investors are stuck with the house. I think the questions like that are really important. Looking at track records and just asking the hard stuff, understanding the true nature of a person. And then lastly, the which path is right for me is a question of really understanding that active and passive piece, and then understanding your goals when it comes to money, is it cash flow, is it growth? Is it tax benefits? Is it liquidity? What are the things diversification.   Speaker 4 (00:32:11) - There's so many goals you can have in investing. And if you don't know the questions to ask, then you might not be hitting the goals that you truly desire in life.   Speaker 1 (00:32:21) - We learned about a really good investor outcome there. How about a bad outcome or a worst deal? And then how did you cover that to make sure the investor is made whole?   Speaker 4 (00:32:33) - Our worst deal is a duplex in Dayton. And what happened was one of the reasons we brought our renovations company in-house, because we had a project manager, we had a runner, and one of the processes that we have is when the contractors are rehabbing a property, then the runner will go to the properties and just double check that what their invoice is saying, that they actually did the work and then we will pay them. So the project manager is trusting the runner. The runner is saying he went to the houses and we're paying this contractor. And it turns out one of the contractors had not done anything. The pictures that they were submitting to us was from another property they were rehabbing, so it looked like he was doing the work.   Speaker 4 (00:33:12) - The runner? Yep. The runner was relying on those pictures as his proof instead of actually going to the property and physically seeing the work being done. And we were paying them as a result of this hierarchy of process that we had. So we ended up having a property where none of it got rehabbed, and we paid the full amount of rehab to that contractor. So we had to pay for the rehab twice. So in this situation, we lost over $50,000. Our investor didn't even know what happened. And I say that not because we weren't being transparent, it's because we were going to do exactly what we said we were going to do. They were going to get all of their capital back, and they were going to get every single penny of interest owed. We ended up asking them at the end of 12 months, do you mind extending on this loan? We're still working on it. It's okay if you don't want to. We will still get you paid back, plus all interest, and we'll replace your loan with another private money lender.   Speaker 4 (00:34:06) - They said no, it's no problem. Absolutely. You can extend. So by the time it was all done we actually had the house fully rehabbed. We had lost a lot of capital. The reason that we can cover situations like that and make sure that we're honoring our word to our investors is because we do volume. When you do volume, I tell people, this is what I say. If you've been in real estate long enough, you understand you're going to lose money. You're understand that you're going to pull back walls and find things that you did not anticipate. So doing volume was our way of mitigating that risk. If we're doing ten deals a month and two of them go bad, well, we've got eight others that are covering the two that went bad. And so it's a numbers game for us knowing that we're going to find some duds, we're going to make some mistakes. And that's okay because we're playing the volume game.   Speaker 1 (00:34:53) - Ah, that harrowing story about the contractor and the rudder that comes back to the old Ronald Reagan trust, but verify they're right.   Speaker 1 (00:35:01) - So. Right. Well, thanks for sharing a more difficult story with us like that. Well, Danny, as we're winding down here, you do a lot of things there at Freedom Family Investments because you have this big holistic picture. Since you are vertically integrated company, and that's given you the experience and the wisdom. Do a lot of things. I know you have a book published and you're speaking at events around the theme get real. I own your book. Get Real. Can you quickly tell us more about it?   Speaker 4 (00:35:28) - So our very first book was Get Real, understand Real Estate Investing before it's too late. And it was just our first book. And it's going to be a series of Get Real Books was our first book to really introduce people that were new to real estate. What is it? Why do we love it? Why do we have such a passion for building real estate businesses and love that we can not only grow wealth for ourselves, but we can help other investors do the same? And then the get real part of it.   Speaker 4 (00:35:52) - The reason that we love this is actually one of my marketing team members, actually, you know him, Matthew. He's the one that came up with a Get Real brand. And it's really become something that people say, hey, Flip and Dani, you guys are so down to earth, like, I feel like I can talk to you about anything and you're so transparent. You tell us the ups and the downs and the crazy roller coaster rides, and there's so many people that are on social media or on podcast that will just tell you the rosy rainbows and sunshine stories, you know, as if nothing goes wrong. And I think reality is, is people want to work with people that are just more authentic, that are willing to share, hey, I'm human, I'm not perfect. We're going to make mistakes, but watch how we correct those mistakes, watch how we act during those situations. I think if you can do that, you actually gain more trust. And that's something that surprises a lot of the masterminds that I'm in.   Speaker 4 (00:36:43) - When I say they say, how do you have so many investors? How do you raise so much capital? I'm just like, I'm just authentic and transparent about everything that we do. And that garners a lot of trust in the people, because not a lot of people are willing to talk about their failures. That $50,000 loss on a duplex. And I don't know why, but it builds trust instead of loses it. And their jaw drops to the ground going, oh my goodness, I can talk about my failures. And I'm like, yes, start. People want to know that you're real. So I think that that get real concept is important. So we're going to keep on building creating some more books. We have investors that are giving us ideas of, hey, write a book about this. So we're going to keep on releasing them. And we're also speaking in events nationwide and just really just getting down to earth for people and letting them know, hey, stop telling yourself your can't. Anybody can build wealth.   Speaker 4 (00:37:32) - If you run a great podcast, you have so many loyal listeners and we love talking to them, and you have helped educate people for years and years and years, and we just need more people out there doing that.   Speaker 1 (00:37:45) - Well, thanks. The name of the platform and book is Get Real, Danny. Dannielynn, in closing, why don't you let our audience know about the best way to reach out to you and learn more about your private lending programs, including your Master Note program? Because for you, the listener, if this sounds interesting, here you go. Mean this is where I tie up a lot of my liquid funds for a high return. Let our audience know how they can learn more.   Speaker 4 (00:38:11) - All you have to do is text family to 6686, six.   Speaker 1 (00:38:17) - Dani Lynn, it's been valuable. As always. Thanks so much for coming back onto the show.   Speaker 4 (00:38:21) - Thank you so much, Keith. It's an honor.   Speaker 1 (00:38:29) - Yeah, good stuff from Dani Lynn Robison of Freedom Family Investments. Today, let's review what we've learned.   Speaker 1 (00:38:36) - Demand deposit accounts, which include things like checking accounts, savings accounts and money market accounts. They allow you to withdraw money from the account whenever you want, whereas time deposit accounts like CDs require you to deposit your money for a specific length of time. Vertical integration that's a term for a business strategy, where a company takes ownership of multiple stages of its supply chain and the term financial runway. That is, the amount of time you can maintain your lifestyle without the need for a paycheck. As you know, I often like to leave you with something actionable. Their Master Note program offers 10 to 12% returns, some liquidity, and just a 25 K minimum. And another way to think about it is that, in fact, then that is a 10 to 12% cash on cash return. And if you're interested in being more nimble than that, there are other lending programs where you can get a strong return with just 90 day liquidity. And to get started on any of them, or simply learn more. Text family to 66866.   Speaker 1 (00:39:45) - Until next week where we've got a great show for you. I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:39:55) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 1 (00:40:23) - The preceding program was brought to you by your home for wealth building. Get Rich Education.com.

Join us in this episode as explore the intricacies of private money lending with Brittney Fairweather. As the Chief Business Development Officer at TRX Capital and a leading real estate lending firm specializing in Business Purpose Lending, Brittney brings a wealth of knowledge to the table.Brittney dives deep into her extensive background in residential loan origination, investor relations, fund management, sales, and business development. With a keen understanding of real estate investment strategies, private money lending, and online auction operations, she reveals the hidden gems that lead to triumph in the competitive world of private money lending.Show Highlights:✅02:04 - Who is Brittney?✅07:49 – Private money lending✅13:44 – Real estate portfolio✅22:13 – Average ARV✅33:56 - Top 4 toppings✅37:35 – Contact Brittney

Brittney Fairweather is the Chief Business Development Officer at TRX Capital, a real estate lending firm focused on Business Purpose Lending. Brittney manages overall growth, strategy, and client-facing communications at the firm. She has extensive experience in residential loan origination, investor relations, Fund management, sales, and business development.Main point:How did you get your start in Real Estate?How to use leverage to build wealthHow to succeed as a woman in a male dominated industryHow to juggle being a mom and having a careerHow she is revolutionizing the lending industry with TRX CapitalWhat does it take to be more than just a private lenderWhat is your journey to founder looked like?Connect with Brittney Fairweatheré:brittney@trxcapfund.comhttps://www.linkedin.com/in/brittney-fairweather-b6544813/https://www.trxcapfund.com/

Get insider tips and insights from today's guest, Paul David Thompson, on how to get into the private money lending business and explore the vast opportunities it presents to investors seeking passive income and wealth generation. Join us and learn how to navigate this real estate niche!     Key Takeaways to Listen for Reasons that will make you pursue real estate investing Land entitlement: What it is and its development process Unique perks and features of private lending A great opportunity available for accredited investors     Resources mentioned in this episode YouTube The Consultant (2023) Django Unchained (2012)   If you are interested in discussing investment opportunities and delving into the details, schedule a call with Paul by visiting https://bit.ly/3OkZbRT      About Paul David Thompson Paul David Thompson is a #1 Best Selling Author, full-time real estate investor, coach, hard money lender, husband, and father. He is also the host of the My Freedom Foundry Podcast and the founder of PDT Coaching and Consulting.   With years of experience in guiding beginners and experienced investors through the process of doing real estate investing deals, he is now on a mission to help purpose-driven men and women entrepreneurs break the corporate drone cycle and achieve the success they desire. Paul believes that every successful person gets to where they are by following the advice of someone who went before them, and he wants to be that person for you.     Connect with Paul Website: Paul David Thompson Podcast: My Freedom Foundry     Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. To join Javier's Mastermind, go to https://javierhinojo.com/mastermind/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form.     Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr   The Naked Truth About Real Estate Investing on Spotify

Today, you will meet a dynamic father-daughter investing team, Benjamin Mayo and Cheryl White, who have successfully raised $200,000 in Private Money for their real estate deals!Private Money lending is a game-changer when it comes to real estate investing. It provides unlimited funds for purchasing properties, allows for quicker closing times compared to bank financing, and opens doors to unique opportunities, such as acquiring REO properties listed by banks and closing within a matter of days.What makes Private Money lending even more exciting is the level of flexibility it offers for real estate investors. Instead of solely relying on traditional financing methods, investors have the opportunity to work with individual private lenders, who receive a higher rate of return on their investment. This means that investors can focus on finding properties and securing deals while the private lenders enjoy a passive income stream.During the episode, Jay, Ben, and Cheryl delve into the specifics of Private Money lending, the benefits it brings to investors, and the steps to successfully raise Private Money. They will discuss the level of protection for private lenders, emphasizing that they receive the same safeguards as a bank. The benefits of Private Money for property purchases, the challenges of finding buyers for owner financing deals, and the speed and efficiency of closing deals with Private Money compared to traditional bank financing. We'll also learn about the personal experiences and success stories of our guests and how they have built a network of private lenders.So, if you're a real estate investor looking to level up your game with Private Money, this episode is a must-listen! Gain valuable insights from industry experts, and you too shall achieve financial freedom!Join Jay Conner's Private Money Academy Conference: https://jaysliveevent.com/ On October 25 - 27, 2023 at Atlantic Beach, NCTimestamps:0:01 - Raising Private Money with Jay Conner0:02 - Today's Guests: Benjamin Mayo & Cheryl White05:23 - The Bank shut down funding, leading to private lenders.07:22 - Discover Jay's Private Money Lending Program10:25 - Passive Private Money Lenders Love Real Estate13:30 - Ben Mayo, author of "Lend Smart and Grow Rich" - www.Amazon.com/Lend-Smart-Grow-Step-Step/dp/B0C1J6PYLD 18:28 - You Need Private Money In Your RE Business20:49 - Why Jay Loves Working With Private Money Lenders21:51 - Jay's Free Money Guide: https://www.JayConner.com/Book23:53 -  What Is Private Money?27:08 - Connect With Ben & Cheryl - https://www.BMNCHomeBuyers.com Connect With Jay Conner: Private Money Academy Conference: https://www.JaysLiveEvent.comFree Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay's new book: Where to Get The Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcast #RealEstate #PrivateMoney #FlipYourHouse #RealEstateInvestor

Join Nick Lamagna on The A Game Podcast with his guest Mark Ritter, an athlete, entrepreneur and funding phenom fighting out of Pennsylvania who is the CEO of MBFS and an expert in credit unions and business lending. Mark started Members 1st Federal Credit Union's business lending program as “one person and a desk” with no policies, products, staff, systems, or business members. That program grew to be one of the top ten in the nation. In 2012, he took on the challenge of being the CEO of a business lending CUSO.  Mark increased the number of credit unions the CUSO services by over 10x, grew the revenue by 10x, and ensured positive cash flow every full year he's been at the CUSO. More importantly, MBFS has helped countless credit union members gain the financing they need for business and investment needs.  He runs Nu Direction lending and specializes in all things credit unions, small business lending and getting funding for people in various situations they may struggle getting from conventional bank lending.  Listen to the full episode for lots of amazing funding advice and tips from the lenders side of the table to help you get more money! Topics for this episode include: ✅ What to watch out for when building business credit ✅ Do credit unions only lend based on credit ✅ What are the banks scared of in this market ✅ What should you be looking for in your loan documents ✅ How to get approved for more loans ✅ Top mistakes investor make when getting a loan ✅ How investors can protect themselves from a market crash  + More! See the show notes to connect with all things Mark! Connect with Mark: Mark Ritter on LinkedIn www.mbfs.org mritter@mbfs.org --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers

In today's episode of Raising Private Money with Jay Conner, we dive into an insightful conversation on securing private money for real estate investing.Jay Conner kicks things off by applauding Beki and Kelly for their achievements. He mentions a remarkable figure of $80,000 profit on a recent deal of theirs, which sets the stage for an enlightening discussion.Throughout the episode, Jay, Kelly & Beki dive deep into the intricacies of raising private money for investing. They highlight the benefits of private lending such as the attractive aspect of having a note and mortgage back on the property. They discuss how this investment strategy offers lenders a constant rate of return, ensuring predictability and security.They share their experiences and describe the Private Money Lending program that provides investors with high rates of return safely and securely. This program aims to solve the lender's problem by connecting with investors in a mutually beneficial way. Success stories like Kelly and Beki's, who felt confident in making offers after securing private funding, highlight the advantages of having money lined up before making an offer on a house. It not only creates a smoother house-purchasing experience but also instills confidence when making offers.Timestamps:0:01 - Get The Private Money First3:53 - Kelly & Beki Cassels: Finding Private Lenders Through Personal Conversations 4:50 - The Effective Private Money Lending Program5:57 - How To Find Private Money Investors7:04 - Webinars With Platinum Plus Members Bring Funding8:08 - $80,000 Profit From Using Private MoneyConnect With Jay Conner: Private Money Academy Conference: https://www.JaysLiveEvent.comFree Report:https://www.jayconner.com/MoneyReportJoin the Private Money Academy: https://www.JayConner.com/trial/Have you read Jay's new book: Where to Get The Money Now?It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book What is Private Money? Real Estate Investing with Jay Connerhttp://www.JayConner.com/MoneyPodcastJay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $67,000 per deal.#RealEstate #PrivateMoney #FlipYourHouse #RealEstateInvestorYouTube Channelhttps://www.youtube.com/c/RealEstateInvestingWithJayConner Apple Podcasts:https://podcasts.apple.com/us/podcast/private-money-academy-real-estate-investing-with-jay/id1377723034 https://www.facebook.com/jay.conner.marketing  https://twitter.com/JayConner01https://www.pinterest.com/JConner_PrivateMoneyAuthority

Get insider tips and insights from today's guest, Paul David Thompson, on how to get into the private money lending business and explore the vast opportunities it presents to investors seeking passive income and wealth generation. Join us and learn how to navigate this real estate niche!   Key Takeaways to Listen for Reasons that will make you pursue real estate investing Land entitlement: What it is and its development process Unique perks and features of private lending A great opportunity available for accredited investors   Resources mentioned in this episode YouTube The Consultant (2023) Django Unchained (2012) If you are interested in discussing investment opportunities and delving into the details, schedule a call with Paul by visiting https://bit.ly/3OkZbRT    About Paul David Thompson Paul David Thompson is a #1 Best Selling Author, full-time real estate investor, coach, hard money lender, husband, and father. He is also the host of the My Freedom Foundry Podcast and the founder of PDT Coaching and Consulting. With years of experience in guiding beginners and experienced investors through the process of doing real estate investing deals, he is now on a mission to help purpose-driven men and women entrepreneurs break the corporate drone cycle and achieve the success they desire. Paul believes that every successful person gets to where they are by following the advice of someone who went before them, and he wants to be that person for you.   Connect with Paul Website: Paul David Thompson Podcast: My Freedom Foundry   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. To join Javier's Mastermind, go to https://javierhinojo.com/mastermind/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form.   Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

Uncover exclusive insider tips and invaluable insights from our special guest, Chris Haddon, as he reveals the secrets to breaking into the lucrative world of private money lending. Tune in to discover the indispensable skills and expertise necessary to thrive in this captivating field and embark on a journey to master the art of navigating this real estate niche!   Key takeaways to listen for Various aspects of mortgage lending and underwriting investors need to know The value of understanding different loan types in today's real estate market Importance of knowing your numbers when working with lenders Top advice for investors looking to scale their RE business Why you need to have the right people on your team   Resources Truist Bank  MLS.com  The 4-Hour Workweek by Timothy Ferriss | Kindle and Hardcover Steve Jobs by Walter Isaacson | Kindle and Hardcover If you're interested in knowing more about hard money lending, get a copy of the “7 Steps to Guaranteed Money Loan Approval” at https://hardmoneybankers.com/ and learn how to finance your acquisitions in a flash!   About Chris Haddon Chris began his career in real estate finance with a large commercial bank, where he learned the business of lending, real estate, and personal and commercial finance. This base of knowledge, combined with his entrepreneurial spirit and extensive business connections, led him to found a real estate investment firm prior to starting Hard Money Bankers, LLC with his partners. His roles with Hard Money Bankers include partner, loan originator, and underwriter. He realizes that every private money scenario is different and requires the expertise of an experienced investor. His goal with our borrower and broker partners is to be a valuable resource, available for advice on any type of transaction.   Connect with Chris Website: Hard Money Bankers    Connect with Us Ready to level up your real estate game? Take action now to access exclusive resources, live events, and valuable insights from our experts: 1. BOOK A CALL: Visit our website at www.sendmoreoffers.com to book a call today. Our team of real estate professionals is ready to provide personalized guidance and help you achieve your investment goals.   2. JOIN OUR FREE FACEBOOK GROUP: Don't miss out on exclusive live events, networking opportunities, and valuable discussions. Simply search for "Send More Offers" on Facebook and hit the "Join" button. www.facebook.com/groups/sendmoreoffers   3. SUBSCRIBE TO OUR YOUTUBE CHANNEL: Gain access to full video interviews, expert tips, and in-depth analyses by subscribing to our dynamic YouTube channel. Stay up to date with the latest trends and strategies in real estate investing. Subscribe now at https://www.youtube.com/@sendmoreoffers   4. FOLLOW US ON INSTAGRAM & TIKTOK: Stay connected and motivated by following us Socially! Get daily doses of inspiration, success stories, and valuable insights by following @sendmoreoffers. Join our community and be part of the conversation!   Remember, success in real estate investing starts with taking action. Visit our website, join our Facebook group, subscribe to our YouTube channel, and follow us on Instagram today. Let's achieve your real estate goals together!

Today's guest is Sarry Ibrahim.    Sarry is a financial specialist, private money lender, real estate investor, and member of the Bank On Yourself Organization. He helps business owners, real estate investors, and full time employees grow safe and predictable wealth regardless of market condition. -------------------------------------------------------------- Long-term strategy [00:00:00] Introduction to the show [00:00:28] Siri's background and approach [00:01:01] Infinite Banking System [00:08:07] Break Even Period [00:08:38] Upside of Infinite Banking [00:15:00] Death Benefit vs Cash Value [00:16:01] Private Money Lending [00:18:31] Tax Benefits [00:20:29] -------------------------------------------------------------- Connect with Sarry: LinkedIn:  https://www.linkedin.com/in/sarry-ibrahim-mba-ltcp-bank-on-you/ Website: https://thinkinglikeabank.com/ Website: https://finassetprotection.com/ YouTube: https://www.youtube.com/channel/UCwasIgJYLJwnyANE1iWN3XQ “Think Like a Bank” free copy: https://thinkinglikeabank.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Sarry Ibrahim (00:00:00) - If I was talking to a client today and he was like, uh, he or she was like, I need, you know, 100% of my money in, in year one accessible. Like, I wanna put 10,000 in this, and then I want 10,000 available. I would simply say, this is not a good fit. Like, this is not a one year strategy. It's a long-term strategy, and it's a way for you to ultimately become your own source of financing, which, like anything else in life, it's gonna take time to get there. It's not gonna be instant gratification, it's gonna take time to get there, but when you do get there, it's much, it's, you're in a much better financial situation.   Intro (00:00:28) - Welcome to the How to Scale commercial Real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:41) - Siri Ibrahim is a financial specialist, a private money lender, a real estate investor, and a member of the Bank on yourself organization. Siri, welcome to the show.   Sarry Ibrahim (00:00:51) - Hey, Sam, thank you so much for having me on. I appreciate it.   Sam Wilson (00:00:53) - Absolutely. Siri, there are three questions I ask every guest who comes in the show in 90 seconds or less. Can you tell me where did you start? Where are you now, and how did you get there?   Sarry Ibrahim (00:01:01) - Yeah, I started in insurance and financial services about eight years ago. I found this kind of on accident, I guess, like this field found me particularly using the infinite banking concept. And, uh, where I'm at now is I help real estate investors and business owners become their own sources of financing and pretty much take control of their financial lives.   Sam Wilson (00:01:20) - That is really interesting. Now, do you focus exclusively on the infinite banking or do you do more of the holistic wealth kind of picture? What does that look like?   Sarry Ibrahim (00:01:29) - Yeah, a little bit of both. So I, I start off conversations with clients on a holistic perspective. Like I want to get to know the client first, get to know the financial situation, you know, what are they doing for work, what are they doing for business, what are their 10 year, 20 year goals? And then from there, um, either if if infinite and banking is a good fit, then we'll merge that with their holistic plan. If not, uh, we definitely have other avenues, like I have other referral partners, you know, uh, that's the benefit of podcasting, right. I've built a pretty big network of, you know, general partners, you know, other types of financial advisors who do different niches. So if, if, if it's a better fit for the client, I'll definitely recommend them to the other, uh, partner, other investor or other, um, uh, professional who can help them with their holistic plan.   Sam Wilson (00:02:10) - Right, right. Okay. So you focus, it sounds like mostly on the infinite banking side of things. Are you a real estate investor yourself?   Sarry Ibrahim (00:02:19) - Yeah, definitely. And I do use, I use infinite banking for those purposes. So I'm a limited partner and right now in one deal, so I use my infinite banking policy to fund that position. So I borrowed against I f I had, I had capital already funded in it, and then I borrowed against it, used that borrowed money to, uh, as a limited partner, and then now I'm using the distributions from that limited partnership to add back into the policy and then hopefully get, get it back up to a certain point and then reinvest in another deal. And so when don't I show clients how to do the same thing?   Sam Wilson (00:02:49) - Okay. That's an interesting topic right there, because the insurance part, the insurance policy then is the limited partner, not you? Correct.   Sarry Ibrahim (00:03:01) - The insurance policy? No, the insurance policy is just a source of capital. So like, it's just like going to the bank, like going to a checking account or savings account. It's the similar idea to that the whole life policy is just a source of capital, and then I take that money out and they, and then I invest in real estate deals. Okay.   Sam Wilson (00:03:15) - Okay. Okay. So you, you still take title to that limited or to your limited partner position in whatever, maybe it's a trust, maybe it's your own name, whatever it is. Yeah, but you don't take it, it's not like an IRA where you take it in the title of the ira, uh, custodian. You take it in the title of your name. Yeah.   Sarry Ibrahim (00:03:32) - Awesome question. Yeah, exactly. Yeah, it's in my name. It's, it's the same thing as if it was me or my LLC or my trust doing so. Um, and you're right, it's not like an ira, it's actually better, in my opinion, than an ira because with an ira, you don't get the depreciation passed through to you. Right. And then in an IRA it's very restrictive, right? Like in ira, it has to be entirely passive. Like you can't be involved at all in that. You can't be actively involved at all. It has to be entirely passive, so, right. Uh, I think it's better. I, I'm, I'm still a fan. Having said that, I'm still a fan of using self-directed IRAs for, for, uh, real estate because I think it's better than the stock market. Right. Uh, but I think like ultimately it's better to have the cash from life insurance policies because there are no restrictions on what you could u what you could do with that money.   Sam Wilson (00:04:11) - Right? No, absolutely. That is, that is a nice, uh, a nice, uh, bonus there for using the infinite banking model. Mm-hmm. , when you get distributions, so distributions come, so you borrow the money from your policy, there's, you, you get distributions from that policy, and then you have a choice whether or not to pay back your policy or to just eat the proceeds. Is that right?   Sarry Ibrahim (00:04:35) - Yeah, exactly. Yeah. I can, I can take that money and put it back into the policy if I want to, but there's no, like, there's no like definite payback plan. So like for example, let's just u use even numbers. If I borrow like $50,000 from my life insurance policy, that's, it's like an open-ended loan. Um, it's not like, uh, the insurance company's gonna be like, okay, here's the payment structure you have to pay, you know, X amount every first, like a mortgage for example. It's like a closed-ended loan. It's like the opposite of it. It's open-ended. Uh, you pay, the only way it works is the, the, actually the way it works is, is that whatever money you take out, you have simple interest that grows on that amount, uh, every day. So like, I think if you took 50,000 at 5% interest, it comes out to I believe like $7 a day.   Sarry Ibrahim (00:05:15) - Uh, so it grows by your, your balance that you owe the insurance company, it grows by about $7 plus or minus a day, right. Until you pay that loan back. So there's, you don't have to pay that loan back right then and there. Um, you could pay back next year. You could pay it back three or four years when you exit that deal. And so it's a lot, it's very flexible, especially for which I think a lot of business owners and real estate investors just need that flexibility because of the uncertainty of when they'll make money.   Sam Wilson (00:05:37) - Right. And that, I think that's a, that's a key, uh, a key difference there. And at some point, does that, is that policy loan ever become due? Is there a hundred year clause in that policy that says, Hey, at some point this has to come back or   Sarry Ibrahim (00:05:56) - Yeah, good question. So there's typically a couple parts. There's the cash value, and then there's the death benefit, like the life insurance part of the policy. And then when you take out a loan, it opens like the third part. So when you have an outstanding loan as mentioned, like every day, it's gonna grow by interest, the loan balance is gonna grow, right? Uh, but so is the life insurance, and so is your cash value and the life insurance and the cash value both outpace the growth of that loan that you owe. So your, your asset side is growing greater than your liability side. And then ultimately what would happen is if you just never pay back the loan, um, let's just say you pass away at age a hundred and there's like, I don't know, like 3 million in life insurance and you owed, let's just say all the interest and everything added up to like 800,000, they would just take like 3 million, subtract the principle interest owed, so 800,000 in this case, and then pay your beneficiaries 2.2 million. So yeah, there's no, like, uh, it, it just, when the, when, whenever you passed away, they would take that from your, um, from your death benefit.   Sam Wilson (00:06:51) - Right? Right, right. Yeah. Okay. That, that, that makes, that makes a lot of sense. One, one clarification I want to have on this mm-hmm.  is that the insurance company will say, Hey, your policy's gonna grow at 4%, right? Yeah. And you're saying that, that they are willing to loan you money. Your money of course give you your money back at a lower interest rate than what they are paying you. So the, so the growth on that account is still greater than the expense of borrowing it?   Sarry Ibrahim (00:07:25) - Absolutely. Yeah. That's what makes this whole concept good and, and work is because when you have your cash reserves growing and then you leverage your cash reserves, meaning you borrow against it, that loan you take out, that interest rate you take out is gonna be less than, um, the, the growth of your, of your reserves, meaning that your cash reserves will outpace what you are paying to borrow against it. So imagine if like you went to a bank account, you had a savings account, they were gonna give you, you know, four or 5% compound growth annually on that savings account, and then the same bank would give you a loan, but the loan they gave you was less than their growth. Uh, that's, that's a very, I guess a different way of putting it. And then it kind of brings us to the, to the next point is that like, no bank will ever do that.   Sarry Ibrahim (00:08:07) - No bank will will give you a, a, uh, an interest earning account and then give you a loan less than that interest earning account cuz it doesn't make sense for them. Usually it's the opposite of that. Usually you're giving a bank, uh, money at 0% interest, like in a check-in account, and then they're taking that money and then loaning it out to other people and much higher interest rates. So this kind of gives you, using the infinite banking system or model gives you a chance for you to become the banker and then for you to have that arbitrage, which is, which is the difference between what you paid to borrow money and what you earned, um, while you had that money saved or stored.   Sam Wilson (00:08:38) - Here's a question I've, I have lodged, not lodged. That's, that's a quote, that's a complaint, usually a logic complaint. Here's a question I have had, simple word here. The question I have had, the breakeven period of a policy is like six to seven years from what I understand. Mm-hmm. . So you, by the time your cash value equals what you've put in, it might be six or seven years. Yes. Whereas the break even period for me in a normal bank, just walk down the street is today.   Sarry Ibrahim (00:09:14) - Yes. Mm-hmm.   Sam Wilson (00:09:15) - Like, I put a hundred dollars in a bank today, I have a hundred dollars now, inflation aside all those things. Yeah. Yeah. All those things aside, I have a hundred dollars still today that I can go withdraw. I put a hundred dollars today in an infinite banking policy in tomorrow, I might be able to pull out 25 maybe, maybe 30. That's all I've got. I've had, I've taken, or maybe it's 90, I don't know. Either way, I've taken a haircut the day one I put money in. And I understand that insurance companies need to make money, but how do you, how do you bake in that seven years of potential return on say, bank A versus bank B and say, okay, how, how, I guess how do you calculate that loss of buying power return on investment over that seven year period as you calculate then later on borrowing the million, all those things that question even make any sense at all.   Sarry Ibrahim (00:10:07) - Yeah, absolutely. In other words, why take that dip in the first couple years? Like if you put, for example, $10,000 in year one in a life insurance policy, you won't have $10,000 in year one. Like if you look, if you surrender the policy, you'll probably, depending on your age and how much you're doing and other factors, you'll probably have like six or 7,000 available as a cash surrender and year one. Um, and then it grows every year. And then, like you said, probably year six, it breaks even. So that means that the premiums you put in match the cash value and then it brings it to the next question. It's like, why would you even do that? Why just skip all this and just pull money in a bank? So that way it's instant break even and then you could just, uh, uh, take money out as needed.   Sarry Ibrahim (00:10:44) - And it kind of brings it to a couple other questions, right? It's like, number one, what do you wanna do with your money? Uh, if you want to, I mean, some business owners and real estate investors wanna keep growing their cash. So ultimately a ba a life insurance policy structured, the infinite banking way will, um, will, will outpace what a bank is gonna do, right? Because if a bank is gonna say, we'll give you 0% interest, right, for example, and you have access to all your money that's convenient for you, but at the same time, there's no growth there at all. Whereas on the whole life policy side, there will be growth, you know, especially after that year seven, uh, it compound will grow. I think overall it's safe to, uh, project or assume that you'll probably get like a little bit over 4% compound growth over the life of that policy, which is not bad cause it's tax free, number one and number two, um, it's not affected by market conditions.   Sarry Ibrahim (00:11:29) - So it doesn't change over time. It doesn't go down. You can't lose money in it. And then it's a also too, it's like a long-term strategy, right? So if I, if I was talking to a client today and he was like, uh, he or she was like, I need, you know, 100% of my money in, in year one accessible, like, I wanna put 10,000 in this and then I want 10,000 available. I would simply say, this is not a good fit. Like this is not a one year strategy. It's a long-term strategy and it's a way for you to ultimately become your, your own source of financing, which like anything else in life, it's gonna take time to get there. It's not gonna be instant gratification. It's gonna take time to get there, but when you do get there, it's much, it's, you're in a much better financial situation.   Sam Wilson (00:12:05) - And that's, that's an interesting point. I guess, um, if, and just help me, I mean, clarify for me. So I wanna, I'm, I'm raising objections because I want, yeah, I want to, I want to find out where I'm, what I'm missing. But I can do that same thing in a, I can put all the money in and I can have access to it. Now why do I wanna wait seven years to do it? Even if it's growing? Maybe may, maybe, I mean, what, I guess, what am I missing here?   Sarry Ibrahim (00:12:33) - Yeah, yeah, yeah, yeah. So yeah, so let's just say option A is you put money, for example, a hundred thousand in a, in a, in a checking account. Option B, you put a hundred thousand in a life insurance policy. Right? Now, let's just say for example, you find a real estate deal to invest in, just to use even numbers, it's 50,000 for the to invest in the deal, right? Yep. So you go to option A, if you, if you use option A, you would simply deduct 50,000 from a hundred thousand. So now your account is down to 50,000 even because you've leveraged that for, for your views debt for a real estate deal. Now in option B, you have a hundred thousand in the life policy, you borrow $50,000 and then you use that for the real estate deal. Now you're 100,000 is still growing.   Sarry Ibrahim (00:13:10) - You just borrowed against that money. Your 100,000 keeps growing. And then you take that money, the 50,000, you put that into a real estate deal. Now you have that growing. Uh, and then let's just say, you know, five years later you get back, I don't know, let's just say a hundred thousand dollars five years later. So you doubled your money in five years. You take that now, your life insurance policy grew too. At that point you have cash growth in the life policy, and then you have the growth from the real estate deal. And then now you're able to do that all over again, again, uh, recycle that money again. Whereas on the cash side, that money's gone now, like you took a a hundred thousand, you subtract 50,000, uh, yeah, you could put it back into the, into the checking account and option A, but you're not gonna get that cash growth. And I think that doing so over time in volume is gonna make a big difference. So that's just kind of one way. And then, uh, the growth on the option B is tax-free growth. So, uh, so yeah, that's how you, I would differentiate the difference between just using like a normal bank account and then using this, this system.   Sam Wilson (00:14:02) - Right? Right, right. Yeah. Cause I think, I think the, the one caveat, or the one, the one difference there is that this, even though the funds have been deployed out of the policy mm-hmm. , they continue to accrue mm-hmm.  at 4% call it annualized rate of return. Whereas once you've taken the 50 grand out of a bank, it accrues at 0% rate of return. The only thing you get then is a return on the investment that was made In this case, you get the 4% growth, plus you get the return on the investment that was made, and then you can, you can then harvest those proceeds. Yeah. If I'm wrong here, so let's say you're 50, as you said, maybe it was three years or five years, I can't remember number you said that. Yeah. But let's say that 50 then becomes a hundred in three years. Yeah. I can then Sam can take that 50 in, in upside and I can go do whatever I want with it, and then I just owe the policy back the 50 plus the interest.   Sarry Ibrahim (00:14:58) - Yes, exactly   Sam Wilson (00:15:00) - Right. Okay. Okay. Yeah. So it's the growth, it's the, it's the, it's, it's really the, the, the difference between what it cost you to borrow the money and the growth that happens inside of the policy. That's where your upside lies.   Sarry Ibrahim (00:15:13) - Yeah, exactly.   Sam Wilson (00:15:15) - Okay. Okay, cool. No, it's interesting. I like that. I like that. That's, that's, that is, uh, it's a, it's a more advanced strategy and I think it takes a little bit of, a little bit of kind of, you know, different, different, uh, a different perspective to understand exactly how that works. Okay, cool. So we've covered some of the, uh, more nuances of how infinite banking works. One other objection that I've oftentimes heard mm-hmm  is that you don't get to keep the cash value plus the death benefit. So let's say you, let's use a big number and say you, yeah, you made a million bucks, you have a million dollars in cash value in your policy, and your policy's a $3 million policy. The insurance keeps the million bucks and they write you out the death benefit when you die. Is that true or not?   Sarry Ibrahim (00:16:01) - Yeah, that is true. However, if you have a million in cash value, your death be, death benefit is probably gonna be much greater than that. It's probably gonna be like 10 or 11 million. So it's, it's a much higher, the death benefit is a much higher amount than the cash value. And then, yeah, you're right. Like the, the cash value is simply like your, um, equity and the death benefit is like the market value. So like when you sell a property now, like you don't get the equity and the market value, right? You usually get the market value the higher amount. Uh, same thing in this situation. So like you would get, um, you know, the, the much higher amount, usually, usually 10 times more than the, the cash value plus it's there. Cuz imagine if you had outstanding loans, it would get tricky for the life insurance company to pay out cash value and then, you know, subtract the interest on loans. So it's better to leverage the life insurance overall part. Um, when you have the, the loans, so like in the, you know, in this example you have 10 million death benefit, um, you'll, the policy probably will never lapse in that situation because of any outstanding loans. So yeah, to, to make the, to shorten this answer, you get the life insurance, not the cash value and life insurance.   Sam Wilson (00:17:04) - Right. Right. And that, I guess that makes sense. If you had a 10 million policy and you had borrowed that million bucks, they'd give you 9 million bucks when you died.   Sarry Ibrahim (00:17:14) - Exactly, yeah.   Sam Wilson (00:17:15) - And if you had a million bucks and you have a 10 million inside, you give a million dollars in cash value and you didn't spend that cash value, but you had a 10 million policy, you'd still get 9 million bucks, right?   Sarry Ibrahim (00:17:31) - Oh, no, no, actually you get 10 million, you get the death benefit. Well, like if it's a 10 million,   Sam Wilson (00:17:35) - You, you'd get the, you'd you'd get the debt. Yes. So you're gonna have 10 million either way.   Sarry Ibrahim (00:17:39) - So, so in one way, one scenario, you have a 10 million death benefit with a million dollar loan. Right? And it's 10 million minus 1 million, so your beneficiary would get nine. Yep. Yep. And then the other example is you have a 10 million death benefit with no loans, then your, um, your beneficiaries would get 10 million. So   Sam Wilson (00:17:55) - Right. But, but, but you have to, but the $9 million payout, you then, you've then already spent a million of that $10 million payout. So it's 10 either way. That's the, that's the summary. Yeah, yeah, yeah. Okay. Okay, cool. No, that's great. That's great. And again, these are things that, that for those of us that don't, um, don't do this every day, this might be little, you know, some more elementary questions on the, how these policies function, but I think that's really, really smart. What are some advanced strategies that people are using right now inside of these policies that you, that you think are just, uh, pretty, pretty, um, ingenious?   Sarry Ibrahim (00:18:31) - Yeah, so we already talked about using it for real estate deals. Like you could, you could still get the depreciation, you still get the, the advantage of doing real estate. Uh, and then also I have some clients who use it for like private money lending. So like, um, they, they borrow against a policy, they, uh, loan that out at a higher interest rate, and then they have now, uh, kind of two places that they're making money one place and the policy still keeps growing as mentioned. The policy keeps growing. And then, and then they also make a spread on there. So they're, they're borrowing at a certain rate, like, um, 5% simple interest. And then they're loaning that out at a higher rate. Let's just say, I don't know what, how much private money is nowadays. Um, uh, let's just say 12% cuz of the rise in interest rates.   Sarry Ibrahim (00:19:10) - So let's say 12%. And then they would make that spread and then they would take the, if they, if they had an agreement with the borrower that the borrower was gonna make interest only payments, they would take the interest only payments and then use that as income to put back in their policy. Um, and then, and then repeat that cycle over and over again. This way they're literally like the bank in that situation. They're just simply lenders, um, earning interests regardless of what happens with the real estate deal. So that's another strategy. And then also a, think of any strategy you're already doing, like any other investment strategy you're already doing, or even for your business, you can use this concept for it and it'll help you amplify those returns because of the ability to borrow against the cash, um, use the dis use the income or distributions to put back in the policy and so on.   Sam Wilson (00:19:52) - Right. I like that, that, that makes a lot of sense. Let's talk about taxes. You, you, you touched on this a little bit, but if it's a 4%, let's call it a 4% growth. Yeah. And you, you as Siri are receiving the, uh, you're receiving the payments, you know, from whatever investment you made, it's coming directly to you. Mm-hmm. , when you pay back that policy, I mean, there's no tax savings necessarily on that front cuz you're still receiving those payments in your name, so you're gonna pay taxes on that as ordinary income and then you pay back the policy and only the growth inside of the policy is tax free. Correct?   Sarry Ibrahim (00:20:29) - Yeah, exactly. Good point. So that means that if you, you know, you borrow out the money and then you do other things with, you loan it out or you invest that, that income outside of the policy is taxed the same way it would be otherwise. So it's not like, so some people might think like, this is a strategy to like eliminate all taxes. You can't do that, right? You're still taxable on those, that's still taxable income. Where it's favorable is the money inside the policy grows tax free. Usually in most situations the loans are tax free, the withdrawals are tax free and the life insurance is tax free. Right? But that benefit is tax free. Tax free. So, so that's how you can kind of, uh, you could use it to, um, increase your rate of return without having to increase your taxable income. Because think about it this way, and let's just say after the, after the arbitrage, after you consider the amount of money you borrow and the amount of money you paid back to the insurance company, let's just say it was a 2% growth. And let's just say you invested in something that earned you 20%, then that means that your rate of return just increased to 22% because it's extra 2%. But that extra 2% that you got in the policy wasn't taxable. So this helps you increase your rate of return without increasing your taxes. That's, I guess, one way to put it that way.   Sam Wilson (00:21:38) - Right. No, I love it. I love it. Siri, we've done, we've, we we've have dive dove dove, Carly, I can't speak today,  one, one day, one day I learned how to speak on a podcast. We have covered a, some really, uh, more nuanced portions of the infinite banking model, how it works, things you can do with it, strategies inside of it. I, this, it's a fun conversation for me. Uh, and I think, I think the more people I talk to about this, the more fun it be becomes because it, it's, it just, it's, it's takes a little bit of uh, a little bit of, uh, creative thinking in order to get your mind wrapped around the, the possibilities with this. So thank you for taking the time to come on the show today. Thank and uh, share with us kind of the nuances here. Certainly appreciate it. It's been very insightful for me. If our listeners wanna get in touch with you and learn more about you, what is the best way to do that?   Sarry Ibrahim (00:22:22) - Yeah, well thanks Sam for having me on your podcast. Best way for listeners to connect with me is go to thinking like a bank.com. It's thinking like a bank.com website and then you could connect with me, uh, YouTube, LinkedIn, email address, uh, Calendly. All that is found at thinking like a bank.com.   Sam Wilson (00:22:39) - Thinking like a bank Go ahead, go ahead. Sorry. Yeah,   Sarry Ibrahim (00:22:42) - If you reach out for a free consultation, you go to the website thinking like a bank.com and schedule a free 15 minute call. I'll send you, uh, Nelson Nash's book Becoming Your Own Banker for free if you go schedule that appointment.   Sam Wilson (00:22:52) - Fantastic, fantastic. I'm about halfway through that book, so, uh, it's certainly a good one there, Siri. Appreciate you offering that here. To our listeners, thank you again for coming on the show today. I certainly appreciate it.   Sam Wilson (00:23:03) - Thank   Sarry Ibrahim (00:23:03) - You. Thanks for having me on.   Sam Wilson (00:23:04) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple podcast, Spotify, Google podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.      

Bank loans don't let you build relationships OR scale your business. Not to mention all the deals they won't even touch!That's why today we're covering: How to create a deal package that lenders want to see, what kind of terms to expect, how to network and find the right lenders when you should use your own private capital.Our guest is April Crossley. She started as a teenage mom with Zero financial education and dove into real estate, working full time, raising a family, and with NO money.Fast forward to today- in 12 years of investing, she's never used a dime of her own money to buy any of her flips or rental properties.So whether you want to become a private lender or you need to be able to close more deals, She's about to teach you how.