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There are a couple of 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 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 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 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 acquired or managed over $5.4 billion in property and across all property types.
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So property crowdfunding is merely the crowd meets property investing. Developers and investors list their properties on a crowdfunding platform that reviews the investment and the project owners. This is a thorough review and only around 5 percent of the jobs ever make it on into the PeerStreet stage which is 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 areas for that diversification. You also get professional management of the projects. The project owners send all equity or debt payouts through the platform and it has passed on to investors. .
Since these are longer-term jobs, short-term economy hiccups shouldnt impact them. Real estate costs may occur after the economy a little but there's still that natural demand from homeowners and commercial customers so that supports costs.
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I surveyed real estate crowdfunding sites on returns and found that debt investments average around 9% whilst equity returns average 15% annually. I invest in property debt on PeerStreet and in debt. I enjoy investing on more than one platform because 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 books 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 produce a new book every few months if youre really focused. The best thing about self-publishing is that once you get it printed on Amazon, theres nothing left to perform. I spend roughly $20 per month on advertising for every publication and thats it. .
So if youre doing a novel every two months, youll have your own $ 5,000 a month in only over two decades and now thats going to be consistent income each month even if you stop writing.
Another investment I highlighted recently was p2p lending through Lending Club. Ive been investing in p2p for a couple of years now and have booked returns just under 10%. Now that might not sound fantastic against double-digit stock returns but visit the website its dual what you get from additional fixed-income investments.
Investing in loans is nothing new. In reality, I guarantee you already have money in them through 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 Related Site a year so youll need a bit invested to make that $5,000 per month but even a little portfolio will constantly be putting cash in your account. You receive paid principal and interest monthly on your loans so its a great cash flow investment. .
What I like about p2p investing on Lending Club is your sites automated investing tool. You decide on the standards for loans in which you want to invest and the application does the rest. It will search for loans every day that meet those factors and automatically invest your money. Its important as youre collecting money on your loan investments daily so you want that money reinvested as soon as possible. .