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There are a couple of problems with direct investment in real estate though. Its expensive to purchase even a single property, a minimum of tens of thousands of bucks, and theres no way most investors can create a portfolio of different property types and in different regions to shield from these risks when you've got all of your money in just 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 properties 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 that have acquired or managed around $5.4 billion in land and across all property types.
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So real estate crowdfunding is just the crowd meets real estate investing. Developers and investors list their properties on a crowdfunding system that reviews the investment and the project owners. This is a detailed review and only about 5 percent of the jobs ever make it on to the PeerStreet stage 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 develop a portfolio of different property types and in different areas for this diversification. In addition, you get professional management of those projects. The job owners send all equity or debt payouts throughout the platform and it has passed on to investors. .
Since these are longer-term projects, short-term economy hiccups shouldnt affect them. Real estate prices may occur after the economy a little but there is still that natural demand from homeowners and business users so that affirms costs.
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I researched property crowdfunding sites on returns and found that debt investments average around 9 percent while equity returns average 15 percent annually. I invest in real estate debt on PeerStreet and in debt. I like investing on more than one platform since it gives me access to as many deals as you can. .
Subscribers 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 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 if youre really focused. The best thing about self-publishing is that once you have it printed on Amazon, theres nothing left to do. I spend about $20 per month on advertising for each publication and thats it. .
If youre doing a book every 2 best site months, youll have your own $ 5,000 a month in just over two decades and thats going to become consistent income every 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 booked returns only under 10%. Now that may not sound great against double-digit stock returns but its dual what you get from other 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 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 every $10,000 invested. Now thats a calendar year so youll need a bit invested to make that $5,000 per month but even a small 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 the websites automated investing instrument. You pick the standards 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 automatically invest your money. Its important because youre collecting money on your loan investments every day so you want that money reinvested as soon as possible. more information .