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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 build a portfolio of different land types and in different regions to shield from these risks when you have all your money in only 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 much 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 real estate 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 property and across all real estate types.
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So real estate crowdfunding is just the crowd meets property investing. Developers and investors record their properties on a crowdfunding system which assesses the investment and the project owners. This is a detailed review and only around 5 percent of the projects ever make it on to the PeerStreet stage that's where I do the majority of my investing. .
You can invest as little as $1,000 in each property which means that you can develop a portfolio of different property types and in different regions for that diversification. You also get professional management of those jobs. The job owners send all equity or debt payouts through the platform and it gets passed on to investors. .
Since these are longer-term projects, short-term market hiccups shouldnt impact them. Real estate costs may follow the economy a little but there's still that natural demand from homeowners and business customers so that supports prices.
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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 real estate debt on PeerStreet and in debt. I enjoy investing on more than one stage because it provides me access to as many deals as you can. .
Clients to the channel have likely already seen the videos on our next passive income notion, 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 per month on each publication and you can generate a new book every couple of months if youre really concentrated. The best part about self-publishing is that once you get it published on Amazon, theres nothing left to perform. I spend roughly $20 per month on advertising for every book and thats it. .
So if youre doing a book every 2 months, youll have your $5,000 a month in just over two decades and thats going to be consistent income every month even if you give up 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 just under 10%. Now that may not sound fantastic against double-digit stock returns but its dual what you get from other fixed-income investments.
Investing in loans is nothing new. In reality, 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 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 year so youll need a bit invested to create that $5,000 go to the website 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 enjoy about p2p investing on Lending Club is the sites automated investing tool. 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 factors and mechanically invest your money. Its important as youre collecting money on your loan investments daily so that you want that money reinvested as soon as possible. .