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There are a couple problems with direct investment in real estate however. Its expensive to purchase even a single house, a minimum of tens of thousands of dollars, and theres no way most investors can build a portfolio of different property types and in different regions to protect from those dangers when you have all your money in just 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 much more like crowdfunding in its own 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 the date of this video, has paid a 10% annualized dividend. The fund is managed by seasoned real estate professionals that have acquired or managed around $5.4 billion in property and across all property types.
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So real estate crowdfunding is just the crowd meets property investing. Developers and investors record their properties on a crowdfunding system which assesses the investment and the job owners. This is a thorough review and only about 5% of those jobs ever make it on to the PeerStreet platform that's where I do the majority of my investing. .
You can invest as little as $1,000 in every property which means you can develop a portfolio of different property types and in different regions for that diversification. You also get professional management of those jobs. The job owners send all equity or debt payouts through the system and it has passed on to investors. .
Since these are longer-term jobs, short-term market hiccups shouldnt impact them. Real estate costs may follow the economy a little but there's still that natural demand from homeowners and business customers so that affirms prices.
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I surveyed property crowdfunding websites on returns and found that debt investments average around 9% while equity returns average 15% annually. I invest in real estate debt on PeerStreet and in debt. I like investing on more than one stage since it gives me access to as many deals as possible. .
Subscribers to the channel have probably already seen the videos on our next passive income notion, self-publishing. Ive been self-publishing on Amazon since 2015 and also have 10 novels that averaged $1,857 a month this past year.
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Im making an average of $185 per month on each publication and you can generate a new book every couple of months if youre really focused. The very best thing about self-publishing is that once you have it published on Amazon, theres almost nothing left to do. I spend about $20 per month on advertising for each book and thats it. .
If youre doing a novel every 2 months, youll have your own $ 5,000 a month in just over two decades and now thats going to become 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 couple of years now and have reserved returns just under next 10%. Now that might not sound fantastic against double-digit stock returns but its double what you get from additional fixed-income investments.
Investing in loans is nothing new. In fact, 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 calendar year so youll need a bit invested to create that $5,000 a month but even a small portfolio will constantly be putting cash in your account. You receive 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 tool. You decide on the standards for loans in which you want to invest and the program does the rest. It will look for loans every day that meet those variables and automatically invest your money. Its important because youre collecting money on your loan investments every day so you want to have that money reinvested as soon as possible. .