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There are a couple problems with direct investment in real estate however. Its expensive to buy even a single property, 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 protect from those dangers 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 retains 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 increase your real estate 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 obtained or managed over $5.4 billion in property 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 platform that reviews the investment and the job owners. This is a thorough review and only around 5% of those jobs ever make it on into the PeerStreet platform which is where I do most of my investing. .
You can invest as little as $1,000 in every property that means that you can develop a portfolio of different property types and in different regions for that diversification. In addition, you get professional management of the jobs. The job owners send all equity or debt payouts throughout the system and it gets passed on to investors. .
Since these are longer-term jobs, short-term market hiccups shouldnt impact them. Real estate prices may occur after the economy a little but there is still that natural demand from homeowners and business customers so that supports costs.
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I surveyed real estate 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 like investing on more than one stage because it gives me access to as many deals as possible. .
Subscribers to the channel have probably already seen the movies on our next passive income idea, self-publishing. Ive been self-publishing on Amazon since 2015 and also have 10 novels that averaged $1,857 a month last year.
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Im making an average of $185 per month on every publication and you can produce a new book every few months when youre really concentrated. The best thing about self-publishing is that once you get it printed on Amazon, theres almost nothing left to perform. I spend about $20 per month on advertising for each publication and thats it. .
If youre doing a novel every two months, youll have your $5,000 a month in just over two decades and now 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 years now and have reserved returns just under 10%. Now that may not sound great against double-digit official statement stock returns but its double everything you get from other fixed-income investments.
Investing in loans is nothing new. In fact, I guarantee you already have money in them via 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 every $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 fantastic cash flow investment. .
What I enjoy about p2p investing on Lending Club is the websites automated investing tool. You decide on the standards for loans in which you want to invest and the application does the rest. It will look for loans daily that fulfill those factors and automatically invest your money. Its important as youre collecting money on your loan investments every day so that you want that money reinvested as soon as possible. .