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There are a couple of problems with direct investment in real estate though. Its expensive to purchase even a single house, a minimum of tens of thousands of bucks, and theres no way most investors can build a portfolio of different land types and in different regions to protect from these dangers when you've got all your money in only one or two investments. .
StREITwise offers a hybrid investment between traditional REIT fund investing and the new crowdfunding. The fund is similar to a real estate investment trust in that it retains a collection of possessions but more like crowdfunding in its management. The fund has paid a 10% annualized return since inception and is a great way to diversify your property exposure. .
The stREITwise 1st stREIT Office REIT invests in high quality office properties and as of this date of the video, has paid a 10% annualized dividend. The fund is managed by seasoned real estate professionals that have obtained or managed over $5.4 billion in property and across all real estate types.
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So property crowdfunding is merely the audience meets property investing. Developers and investors record their properties on a crowdfunding system which assesses the investment and the project owners. This is a thorough review and only about 5% of those projects ever make it on into the PeerStreet stage that's where I do the majority of my investing. .
You can invest as little as $1,000 in each property that means that you can build up a portfolio of different property types and in different areas for that diversification. In addition, you get professional management of the projects. The job owners send all equity or debt payouts through the platform and it gets passed on to investors. .
Since these are longer-term jobs, short-term market hiccups shouldnt affect them. Real estate costs may follow the economy somewhat but there is still that natural demand from homeowners and business customers so that affirms prices.
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I surveyed real estate crowdfunding sites on returns and found that debt investments average around 9 percent while equity returns average 15 percent annually. I invest in property debt on PeerStreet and in debt. I enjoy investing on more than one platform since it gives me access to as many deals as possible. .
Clients to the channel have probably already seen the movies on our next passive income notion, self-publishing. Ive been self-publishing on Amazon since 2015 and have 10 books that averaged $1,857 a month last year.
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Im making an average of $185 a month on every publication and you can produce a new book every couple of months when youre really focused. The very best thing about self-publishing is that once you have it published on Amazon, theres almost nothing left to perform. I spend about $20 a month on advertising for every publication and thats it. .
So if youre doing a novel every 2 months, youll have your $5,000 a month in just over two years and now thats going to be consistent income each month even if you stop writing.
Another investment I emphasized recently was p2p lending through Lending Club. Ive been investing in p2p for a few decades now and have reserved returns just under 10%. Now that might not sound fantastic against double-digit stock returns but its double everything you get from other fixed-income investments.
Investing in loans is nothing new. In reality, I guarantee you already have money in them through any pension plan or insurance. You see banks sell their loans to investors who need reliable cash flow so their most important buyers of loans are pensions and insurance companies.
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I average just under 10% annually on the loans so about $1,000 on each $10,000 invested. Now thats a year so youll need a bit invested to make that $5,000 per month but even a small portfolio will constantly be putting money in your account. You get paid principal and interest monthly on your loans so its a great cash flow investment. .
What I enjoy anchor about p2p investing on Lending Club is your websites automated investing instrument. You try this pick the standards for loans in which you want to invest and the application does the rest. It will look for loans daily which fulfill those variables and mechanically invest your money. Its important as youre collecting money on your loan investments daily so you want to have that money reinvested as soon as possible. Learn More Here .