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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 bucks, and theres no way many investors can build a portfolio of different property types and in different regions to shield from these risks when you've got 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 holds a collection of properties but much more like crowdfunding in its management. The fund has paid a 10% annualized return since inception and is a great way to increase 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 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 audience meets real estate investing. Developers and investors record their properties on a crowdfunding platform that assesses the investment and the project owners. This is a detailed review and only around 5% of the projects ever make it on into the PeerStreet platform which is where I do the majority of my investing. .
You can invest as little as $1,000 in each property that means you can build up a portfolio of different property types and in different regions for that diversification. You also get professional management of the jobs. The project 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 economy hiccups shouldnt affect them. Real estate prices may follow the economy a little but there's still that natural demand from homeowners and business customers so that affirms costs.
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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 property debt on PeerStreet and in debt. I enjoy investing article on more than one platform since it provides me access to as many deals as possible. .
Clients to the channel have likely already seen the videos 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 book and you can generate a new book every few months when youre really focused. The best part about self-publishing is that once you have it published on Amazon, theres nothing left to do. I spend roughly $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 only over two years and thats going to be consistent income every month even if you stop writing.
Another investment I highlighted recently was p2p lending through Lending Club. Ive been investing in p2p for a few decades now and have reserved returns only under 10%. Now that may 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 have money in them via any pension plan or insurance. You see banks sell their loans to investors that need reliable cash flow so their biggest buyers of loans are pensions and insurance companies.
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I average just under 10% annually on the loans about $1,000 on each $10,000 invested. Now thats a calendar year so youll need quite a bit invested to create that $5,000 per month but even a small portfolio will constantly be putting cash in your account. You get paid principal and interest monthly on your loans so its a great cash flow investment. .
What I enjoy about p2p investing on Lending Club is your sites automated investing tool. You pick the standards for loans in which you want to invest and the application does the rest. It will look for loans every day that meet those variables and mechanically invest your money. Its important as youre collecting money on your loan investments daily so that you want to have that money reinvested as soon as possible. .