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There are a couple problems with direct investment in real estate though. Its expensive to purchase even a single house, a minimum of tens of thousands of dollars, and theres no way many investors can build a portfolio of different property types and in different regions to protect from those risks when you have all of 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 like a real estate investment trust in that it holds a collection of properties but 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 the video, has paid a 10% annualized dividend. The fund is managed by seasoned real estate professionals who have obtained or managed around $5.4 billion in property and across all real estate types.
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So property crowdfunding is just the crowd meets property investing. Developers and investors list their properties on a crowdfunding platform that assesses the investment and the job owners. This is a thorough review and only about 5% of the projects ever make it on to the PeerStreet platform that's where I do most of my investing. .
You can invest as little as $1,000 in every property which means that you can build up a portfolio of different property types and in different regions for that diversification. You also get professional management of the projects. The job owners send all debt or equity payouts through the system and it has passed on to investors. .
Since these are longer-term projects, short-term economy hiccups shouldnt impact them. Real estate costs may follow the economy somewhat but there's still that natural demand from homeowners and business users 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 whilst equity returns average 15 percent annually. I invest in property debt on PeerStreet and in debt. I like investing on more than one platform since it provides me access to as many deals as you can. .
Clients 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 have 10 books that averaged $1,857 a month last year.
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Im making an average of $185 per month on each book and you can produce a new book every few months when youre really concentrated. The very best part about self-publishing is that once you have it printed on Amazon, theres nothing left to do. I spend about $20 a month on advertising for each book and thats it. .
If youre doing a novel every 2 months, youll have your $5,000 a month in just over two decades and now 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 great against double-digit stock returns but its double what you get from other fixed-income investments.
Investing in loans is nothing new. In reality, I guarantee you have money in them through any pension plan or insurance. You see banks sell their loans to investors that 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 calendar year so youll need a bit invested to make 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 sites automated investing instrument. 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 factors and mechanically invest your money. Its important as youre collecting money on your loan investments daily so you want that money reinvested as soon as possible. .