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There are a couple problems with direct investment in real estate though. Its expensive to buy even a single property, a minimum of tens of thousands of bucks, and theres no way many investors can create a portfolio of different property types and in different regions to protect from these risks when you've got all your money in only one or two investments. .
StREITwise provides 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 holds a collection of possessions but much more like crowdfunding in its management. The fund has paid a 10% annualized return since inception and is a fantastic way to diversify your property exposure. .
The stREITwise 1st stREIT Office REIT invests in high quality office properties and as of the date of the video, has paid a 10% annualized dividend. The fund is managed by seasoned real estate professionals who have acquired or managed over $5.4 billion in land and across all real estate types.
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So property crowdfunding is merely the crowd meets property investing. Developers and investors record their properties on a crowdfunding system which assesses the investment and the project owners. This is a detailed review and only about 5% of those jobs ever make it on into the PeerStreet stage that's where I do most of my investing. .
You can invest as little as $1,000 in every property that means that you can develop a portfolio of different property types and in different regions for this diversification. In addition, you get professional management of those projects. The job owners send all equity or debt payouts throughout the system and it gets passed on to investors. .
Since these are longer-term projects, short-term market hiccups shouldnt affect them. Real estate prices may occur after the economy somewhat but there's still that natural demand from homeowners and commercial customers so that affirms costs.
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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% annually. I invest in real estate debt on PeerStreet and in debt. I enjoy investing on more than one platform since it provides me access to as many deals as you can. .
Clients to the channel have likely already seen the movies on our next passive income idea, self-publishing. Ive been self-publishing on Amazon since 2015 and have 10 novels that averaged $1,857 per month this past year.
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Im making an average of $185 a month on each publication and you can produce a new book every couple of months if youre really concentrated. The best part about self-publishing is that once you get it published on Amazon, theres nothing left to do. I spend roughly $20 a month on advertising for each book and thats it. .
If youre doing a book every two months, youll have your own $ 5,000 a month in only over two decades 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 may not sound fantastic against double-digit stock returns but its double everything you get from other fixed-income her latest blog investments.
Investing in loans is nothing new. In reality, I guarantee you have money in them via any pension plan or insurance. You see banks sell their loans to investors who need reliable money 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 a 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 fantastic cash flow investment. .
What I enjoy about p2p investing on Lending Club is your websites automated investing instrument. You pick the criteria for loans in which you want to invest and the program does the rest. It will look for loans daily which fulfill those variables and mechanically invest your money. Its important because youre collecting money on your loan investments daily so that you want to have that money reinvested as soon as possible. .