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There are a couple of problems with direct investment in real estate however. Its expensive to buy even a single house, a minimum of tens of thousands of dollars, and theres no way many investors can create a portfolio of different property types and in different regions to shield from these dangers 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 like a real estate investment trust in that it retains a collection of possessions but more like crowdfunding in its own management. The fund has paid a 10% annualized return since inception and is a fantastic way to diversify your real estate 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 acquired or managed around $5.4 billion in land and across all property types.
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So property crowdfunding is just the crowd meets real estate investing. Developers and investors list their properties on a crowdfunding system which assesses the investment and the job 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 each property which means you can build up a portfolio of different property types and in different areas for that diversification. You also get professional management of the projects. The job owners send all debt or equity payouts through the platform and it has 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 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% whilst equity returns average 15 percent annually. I invest in real estate debt on PeerStreet and in debt. I like investing on more than one stage because it gives me access to as many deals as you can. .
Subscribers 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 per 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 few months if youre really focused. The best thing about self-publishing is that once you get it published on Amazon, theres nothing left to do. I spend about $20 per month on advertising for every book and thats it. .
So if youre doing a book every 2 months, youll have your own $ 5,000 a month in only over two decades and thats going to be consistent income each month even in the event that you give up 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 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 have a peek here their biggest 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 every $10,000 invested. Now thats a year so youll need quite a bit invested to make that $5,000 per month but even a little portfolio will constantly be putting money 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 sites automated investing tool. You pick the criteria for loans in which you want to invest and the program does the rest. It will look for loans daily that fulfill those factors and mechanically invest your money. Its important because youre collecting money on your loan investments daily so that you want that money reinvested as soon as possible. .