Moneeka Sawyer

Author Archives: Moneeka Sawyer

Moneeka Sawyer is often described as one of the most blissful people you will ever meet.   She has been investing in Real Estate for over 20 years, so has been through all the different cycles of the market.  Still, she has turned $10,000 into over $5,000,000, working only 5-10 hours per MONTH with very little stress. While building her multi-million dollar business, she has traveled to over 55 countries, dances every single day, supports causes that are important to her, and spends lots of time with her husband of over 20 years. She is the international best-selling author of the multiple award-winning books "Choose Bliss: The Power and Practice of Joy and Contentment" and “Real Estate Investing for Women: Expert Conversations to Increase Wealth and Happiness the Blissful Way.” Moneeka has been featured on stages including Carnegie Hall and Nasdaq, radio, podcasts such as Achieve Your Goals with Hal Elrod,  and TV stations including ABC, CBS, FOX, and the CW, impacting over 150 million people.

Use ETFs to Invest in Real Estate

Welcome to strategy #5 of the Real Estate investing for under $1000 series. And ladies, please understand that just because these strategies are accessible to people with  small amounts to invest, it doesn’t mean that they are not good for people with much more money.  If you have more or much more than $1000 to invest, these strategies are still good for you to consider.  For instance, they are good for diversification and getting the benefits of investing in real estate while still keeping your money liquid.  There are many good reasons for even those with plenty of money to consider the strategies in this series!

Listen to the podcast here

 

Use ETFs to Invest in Real Estate

Real Estate Investing for Women

As we all know real estate investment has long been recognized as a lucrative avenue for wealth creation and portfolio diversification. However, direct property ownership can be capital-intensive and time-consuming. Enter real estate exchange-traded funds (ETFs), which provide investors with a convenient and cost-effective way to gain exposure to the real estate market. In this show, we will explore the advantages of investing in real estate ETFs, discuss different types of ETFs available, and provide insights into their potential returns and risks.

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Advantages of Investing in Real Estate ETFs

1. Diversification: Real estate ETFs offer investors the opportunity to diversify their portfolios across a broad range of real estate assets. These ETFs typically include a mix of residential, commercial, and industrial properties, as well as real estate-related companies. By investing in a single ETF, investors can gain exposure to various segments of the real estate market, reducing the risk associated with investing in individual properties.

2. Liquidity: Real estate ETFs trade on major stock exchanges, providing investors with liquidity and flexibility. Unlike direct real estate investments, which can be illiquid and require significant time and effort to buy or sell, ETFs can be bought or sold throughout the trading day at market prices.

3. Cost Efficiency: Investing in real estate ETFs can be more cost-effective than purchasing individual properties or actively managed real estate funds. ETFs often have lower expense ratios compared to mutual funds and do not typically involve transaction costs associated with direct property acquisitions.

4. Professional Management: Real estate ETFs are managed by experienced professionals who monitor and adjust the fund’s holdings based on market conditions. This allows investors to benefit from the expertise of real estate investment managers without the need for active involvement in property selection or management.

Types of Real Estate ETFs

1. Equity REIT ETFs: These ETFs invest in shares of real estate investment trusts (REITs), which are companies that own, operate, or finance income-generating real estate. Equity REIT ETFs provide exposure to various property types, including residential, commercial, industrial, and healthcare. They can offer both income and capital appreciation potential.

2. Mortgage REIT ETFs: Mortgage REITs provide financing for real estate by investing in mortgage-backed securities (MBS) and other real estate debt instruments. Mortgage REIT ETFs focus on generating income through the interest earned on these debt investments. However, they may be more sensitive to interest rate fluctuations and carry higher risks.

3. Hybrid REIT ETFs: Hybrid REIT ETFs invest in a combination of equity and mortgage REITs, providing a balanced exposure to both property ownership and debt investments. These ETFs offer diversification across different segments of the real estate market and can provide a blend of income and growth potential.

Potential Returns and Risks

1. Potential Returns: Real estate ETFs can offer attractive returns through a combination of capital appreciation and dividend income. Dividends are typically generated from the rental income or interest payments received by the underlying real estate assets. The potential returns will depend on the performance of the real estate market, interest rates, and the fund’s composition.

2. Market Risks: Like any investment, real estate ETFs are subject to market risks. Factors such as economic conditions, interest rate fluctuations, and supply and demand dynamics in the real estate market can impact the performance of these ETFs. Additionally, changes in government regulations or zoning laws can affect the profitability of real estate investments.

3. Liquidity Risks: While ETFs offer liquidity compared to direct property ownership, there can still be liquidity risks associated with specific ETFs, especially those with lower trading volumes. Investors should be aware of potential trading limitations, bid-ask spreads, and the impact of market volatility on ETF prices.

4. Sector and Regional Risks: Different segments of the real estate market can perform differently based on factors such as location, property type, and economic trends. Investors should consider the concentration of holdings within an ETF and assess the risks associated with specific sectors or regions.

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Conclusion

Real estate ETFs provide investors with an accessible and cost-effective way to diversify their portfolios and gain exposure to the real estate market. They offer advantages such as diversification, liquidity, cost efficiency, and professional management. However, investors should be aware of potential risks associated with market fluctuations, liquidity, and sector-specific factors. By understanding the different types of real estate ETFs available and conducting thorough research, investors can harness the benefits of these investment vehicles and tap into the potential of the real estate market.

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Join the Real Estate Investing for Women Community today:

To listen to the EXTRA portion of this show go to RealEstateInvestingForWomenExtra.com

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Learn how to create a consistent income stream by only working 5 hours a month the Blissful Investor Way.

Grab my FREE guide at http://www.BlissfulInvestor.com

Micro-Investing Apps for Aspiring RE Investors

Welcome to strategy #4 of the Real Estate investing for under $1000 series. Real estate investing has traditionally required substantial capital, making it challenging for aspiring investors to enter the market. However, with the advent of micro-investing apps, the landscape has changed. These innovative platforms allow individuals to invest small amounts of money (sometimes starting as low as $5-$10) and gain exposure to real estate assets.

Listen to the podcast here

Micro-Investing Apps for Aspiring RE Investors

Real Estate Investing For Women

In this blog post, we will explore some popular micro-investing apps, their features, and the benefits they offer to aspiring real estate investors.

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1. Roofstock

Roofstock is a micro-investing app that focuses on single-family rental properties. It offers a marketplace where investors can browse and purchase fully vetted, tenant-occupied rental properties across the United States. Some notable features and benefits of Roofstock include:

  • Diverse Property Selection: Roofstock provides a wide range of properties to choose from, allowing investors to diversify their portfolios geographically and across property types.

 

  • Property Analysis Tools: The platform offers detailed property analytics, including estimated rental income, expenses, and return projections, to help investors make informed decisions.

  • Hands-Off Property Management: Roofstock facilitates hands-off property management by connecting investors with qualified property management companies. This feature relieves investors from the day-to-day responsibilities of property management.

 
2. DiversyFund


DiversyFund combines micro-investing with real estate crowdfunding, allowing investors to access commercial real estate projects. Some key features and benefits of DiversyFund include:

  • Access to Exclusive Real Estate Deals: DiversyFund provides investors with access to exclusive commercial real estate deals that are typically inaccessible to individual investors.

  • Diversification: Through the platform, investors can pool their funds and invest in a diversified portfolio of commercial real estate properties, reducing risk and increasing potential returns.

  • Expert Management: DiversyFund’s team of experienced real estate professionals oversees the acquisition, management, and improvement of the properties, ensuring investors benefit from their expertise.

 
3. Fundrise
 
Fundrise is a micro-investing platform that focuses on offering real estate investment trusts (REITs) to investors. REITs are investment vehicles that pool funds to invest in a diversified portfolio of real estate properties. Key features and benefits of Fundrise include:

  • Low Minimum Investments: Fundrise allows investors to start with a low minimum investment, enabling them to gain exposure to real estate with smaller amounts of capital.

  • Diversification: By investing in Fundrise’s REITs, investors gain access to a diversified portfolio of real estate properties, including residential, commercial, and industrial assets.

  • Passive Investment: Fundrise handles the day-to-day management of the properties, relieving investors from the responsibilities of property management and allowing them to enjoy passive income.

 
4. Streitwise
 
Streitwise is a micro-investing platform that specializes in commercial real estate investments. It focuses on investing in high-quality office properties and aims to provide stable and consistent cash flow to investors. Notable features and benefits of Streitwise include:
 

  • Transparent Fee Structure: Streitwise has a transparent fee structure, with no upfront fees and low ongoing expenses. This allows investors to maximize their returns.

  • Monthly Dividends: Streitwise aims to provide consistent monthly dividends to its investors, making it an attractive option for individuals seeking regular cash flow.

  • Experienced Management: The platform is managed by a team of seasoned real estate professionals with a track record of successful investments, ensuring investors benefit from their expertise.

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Conclusion

Micro-investing apps have revolutionized real estate investing by providing aspiring investors with opportunities to enter the market with smaller amounts of capital. These platforms offer features such as diverse property selection, transparent fee structures, passive investment options, and expert management, making real estate investment accessible and hassle-free. However, it’s important to conduct thorough research, assess the risks, and align your investment goals before diving into any micro-investing opportunity. With careful consideration and the right platform, micro-investing apps can serve as a stepping stone for aspiring real estate investors to start building their portfolios.

Love the show? Subscribe, rate, review, and share!

Join the Real Estate Investing for Women Community today:

To listen to the EXTRA portion of this show go to RealEstateInvestingForWomenExtra.com

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Learn how to create a consistent income stream by only working 5 hours a month the Blissful Investor Way.

Grab my FREE guide at http://www.BlissfulInvestor.com

Become the Bank for Passive Real Estate Income – Buy Notes

As you know, I’m all about helping you to take action on building your wealth and living your dreams.  This series will help you to see how easy it actually is to take action and get started NOW! I’m so excited to be sharing them with you!

Listen to the podcast here

Become the Bank for Passive Real Estate Income – Buy Notes

Real Estate Investing For Women

Today we’re going to talk about Buying Notes.

So what are Notes? Real estate notes are also known as mortgages. They are debt instruments secured by real estate properties. They represent the promise to repay a loan, typically used for purchasing or refinancing real estate. When a bank or lender provides a mortgage loan to a borrower, they create a note as evidence of the debt. These notes can be bought and sold, allowing investors to step into the shoes of the bank or lender and earn interest on the debt.

Potential Returns of Real Estate Notes

1. Interest Income: One of the primary sources of potential returns from real estate notes is the interest income. As an investor, you become the lender and receive regular interest payments from the borrower. The interest rates on real estate notes can vary, but they generally offer higher returns compared to traditional fixed-income investments such as bonds or certificates of deposit (CDs). The specific interest rate and terms will depend on the individual note and the negotiation between the parties involved.

2. Principal Repayment: In addition to interest income, investors can also benefit from principal repayment. Over the life of the note, the borrower makes scheduled payments to repay the loan. These payments typically include both interest and a portion of the principal. As an investor, you receive a share of the principal repayment, which contributes to the overall return on your investment.

3. Potential Discounted Purchase: Real estate notes can be purchased at a discount. Distressed or non-performing notes, where the borrower is behind on payments, may be available at a reduced price. Buying notes at a discount increases the potential returns since investors acquire the debt at a lower cost. However, it’s essential to conduct thorough due diligence and assess the risks associated with distressed notes before investing.

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Getting Started with Real Estate Notes

1. Educate Yourself: Start by educating yourself about real estate notes and the intricacies of this investment strategy. Understand the different types of notes, the associated risks, and the potential returns. Books, online resources, and real estate investment forums can provide valuable insights into this alternative investment avenue.

2. Network and Seek Expert Advice: Connect with professionals and experienced investors who specialize in real estate notes. Attend industry conferences, join real estate investment groups, or seek out mentors who can guide you through the process. Their expertise and firsthand experience can help you navigate the complexities of real estate notes and make informed investment decisions.

3. Conduct Thorough Due Diligence: Before investing in any real estate note, conduct thorough due diligence on the property, the borrower’s creditworthiness, and the terms of the note. Understand the risks associated with each investment, including potential foreclosure or default scenarios. Assess the property’s market value, the condition of the note, and any relevant legal or regulatory considerations.

4. Work with Note Brokers or Platforms: To get started, consider working with note brokers or online platforms that specialize in real estate notes. These intermediaries connect investors with note sellers, offering a curated selection of available notes. They can provide guidance, streamline the transaction process, and assist with the necessary legal documentation.

In the blog I did about strategy #3, Crowdfunding, I mentioned one of these online platforms.  Here are the details again:

PeerStreet: PeerStreet specializes in crowdfunding for real estate debt investments. The platform focuses on short-term bridge loans and other debt-backed investments, making it an attractive option for investors seeking fixed-income opportunities within the real estate sector.
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Conclusion

Real estate notes offer a unique investment opportunity for individuals seeking alternative avenues in the real estate market. By investing in these debt instruments, investors can earn interest income, benefit from principal repayment, and potentially acquire discounted notes. However, it’s crucial to educate yourself, conduct thorough due diligence (as always), and seek expert advice to navigate the complexities of real estate notes successfully. With careful consideration and a solid understanding of the market, real estate notes can be an amazing addition to your investment portfolio.

So what do you think of this strategy of investing in Notes?  Do you want to know more? We’ve had a couple guests speak about notes on the show a little while ago.  If you want to check out their previous shows, here they are:

Creating Passive Cash Flow With Non-Performing Notes With Paige Panzarello – Real Estate Women


https://blissfulinvestor.com/2022/05/creating-passive-cash-flow-with-non-performing-notes-with-paige-panzarello-real-estate-women/


Passively Investing In Notes For High Returns With Scott Carson

https://blissfulinvestor.com/2020/09/passively-investing-in-notes-for-high-returns-with-scott-carson/

Love the show? Subscribe, rate, review, and share!

Join the Real Estate Investing for Women Community today:

To listen to the EXTRA portion of this show go to RealEstateInvestingForWomenExtra.com

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Learn how to create a consistent income stream by only working 5 hours a month the Blissful Investor Way.

Grab my FREE guide at http://www.BlissfulInvestor.com

Crowdfunding for Passive Real Estate Investing

Welcome to Strategy #2 in the Real Estate Investing for under $1000 series!

As you know, I’m all about helping you to take action on building your wealth and living your dreams.  This series will help you to see how easy it actually is to take action and get started NOW! I’m so excited to be sharing them with you!

Listen to the podcast here

Crowdfunding for Passive Real Estate Investing

Real Estate Investing For Women

Today we’re going to talk about Crowdfunding!

So what is Crowdfunding anyways?

Real estate crowdfunding involves pooling funds from multiple investors to finance real estate projects. These projects can range from residential and commercial properties to development ventures or even infrastructure projects. Crowdfunding allows investors to diversify their portfolios by participating in a variety of real estate opportunities, rather than shouldering the entire burden of a single property investment.

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Advantages of Real Estate Crowdfunding

1. Access to Investment Opportunities: Real estate crowdfunding opens doors to investment opportunities that were previously inaccessible to individual investors. By pooling resources, investors gain access to a wide range of real estate projects, including those with high entry barriers, such as luxury developments or commercial properties in prime locations. This access allows for diversification and exposure to different property types and markets.

2. Lower Entry Costs: Unlike traditional real estate investing, which often requires substantial capital upfront, crowdfunding platforms allow individuals to invest with smaller amounts. This lower entry barrier enables investors to participate in real estate projects without committing significant financial resources. Also, some crowdfunding platforms offer the ability to invest in fractional shares, allowing investors to spread their capital across multiple projects.

3. Mitigated Risk through Diversification: Real estate crowdfunding allows investors to spread their risk across multiple projects, reducing the impact of any single investment’s performance. By diversifying their portfolio through crowdfunding, investors can benefit from exposure to different property types, geographic locations, and market sectors. This diversification can help mitigate risks associated if any specific property or market downturns.

4. Passive Investment and Professional Management: Crowdfunding platforms typically handle the day-to-day management of the real estate projects. This means investors can enjoy the benefits of real estate investing without the hassle of property management, tenant relations, or maintenance. Professional teams with expertise in real estate acquisition, development, and management are responsible for executing the projects, providing investors with peace of mind and potentially higher returns.

 

Popular Real Estate Crowdfunding Platforms

1. RealtyMogul: RealtyMogul is a leading crowdfunding platform that offers a range of investment opportunities, including commercial properties, multifamily developments, and industrial real estate. They thoroughly vet each investment, ensuring quality opportunities for investors.

2. Fundrise: Fundrise is a popular platform that focuses on both commercial and residential real estate. They provide access to a diversified portfolio of properties across the United States, allowing investors to choose from different investment strategies based on their preferences.

3. PeerStreet: PeerStreet specializes in crowdfunding for real estate debt investments. The platform focuses on short-term bridge loans and other debt-backed investments, making it an attractive option for investors seeking fixed-income opportunities within the real estate sector.

4. RealtyShares: RealtyShares offers a range of real estate investment options, including residential, commercial, and mixed-use properties. They provide detailed property information, financial projections, and investment terms, allowing investors to make informed decisions.

 
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Conclusion

Real estate crowdfunding has revolutionized the investment landscape, providing individuals with access to diverse real estate projects with lower entry costs and reduced risk through diversification. With professional management and passive investment opportunities, crowdfunding platforms have empowered investors to participate in the real estate market with ease. As always, it is essential to conduct thorough research and due diligence when considering real estate crowdfunding opportunities, to make sure your investments align with your investment goals and risk tolerance.

Isn’t this concept cool?!  Do you want to know more? We had a guest speak about crowdfunding on the show a little while ago.  If you want to learn more about this fun and profitable strategy, here is the old episode that talks more about it!

The Three Flavors of Crowdfunding with Mark Roderick.

 
 
And Deidre, who also shared about REIT’s with us also talked about Crowdfunding.  Here is her episode again.
 
Increasing Diversity In Real Estate Investing With Deidre Woollard
 

Love the show? Subscribe, rate, review, and share!

Join the Real Estate Investing for Women Community today:

To listen to the EXTRA portion of this show go to RealEstateInvestingForWomenExtra.com

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Learn how to create a consistent income stream by only working 5 hours a month the Blissful Investor Way.

Grab my FREE guide at http://www.BlissfulInvestor.com

Investing in REIT’s for Passive Real Estate Cashflow

Last week I did a quick show outlining several ways to invest in and profit from real estate for under a $1000. Wasn’t it exciting to know that you can start with so little money? In the next few episodes I’m going to be expanding on the strategies I mentioned in that show.  And, because I know it can be hard to search through back episodes and find the right episodes for the topics you are interested in, I’ll be curating some shows from the past that are relevant to the strategies we’re discussing.  So hold on to your seat.  We’re going for a fun ride into the most accessible strategies in real estate investing.  As you know, I’m all about helping you to take action on building your wealth and living your dreams.  This series will help you to see how easy it actually is to take action and get started NOW! I’m so excited to be sharing them with you!

 

Listen to the podcast here

 

Investing in REIT’s for Passive Real Estate Cashflow

Real Estate Investing For Women

I’m going to call this the Real Estate Investing for under $1000. And today let’s start with Strategy #1, Investing in REIT’s.
 

First, what is a REIT? A REIT is a Real Estate Investment Trust. While personally owning physical properties may require significant capital and personal involvement, REITs offer a compelling alternative. REITs allow investors to participate in the real estate market without the challenges of property management and high upfront costs. Today, we will explore the benefits and considerations of investing in REITs, shedding light on this investment avenue.

Benefits of Investing in REITs

  1. Diversification: REITs provide a simple and efficient way to diversify your investment portfolio. By investing in a REIT, you gain exposure to a diversified pool of real estate assets across different property types, such as residential, commercial, industrial, or healthcare. This diversification can help mitigate risks associated with a single property or market sector, reducing the overall volatility of your investment.
  2. Income Generation: One of the key attractions of REITs is their potential for generating a steady stream of income. By law, REITs are required to distribute at least 90% of their taxable income to shareholders in the form of dividends. This consistent income flow can be particularly appealing for investors seeking regular cash flow, such as retirees or those looking to supplement their existing income.
  3. Accessibility and Liquidity: Unlike traditional real estate investments, which often require substantial capital, purchasing a REIT allows investors to gain exposure to the real estate market with relatively small amounts of money. And, REITs are traded on major stock exchanges, providing investors with liquidity. This means you can easily buy or sell your REIT shares, providing flexibility and accessibility to your investment.
  4. Professional Management: When you invest in a REIT, you benefit from the expertise of professional managers who are responsible for acquiring, managing, and maintaining the real estate assets so you don’t have to! These managers have in-depth knowledge of the market and are equipped to make informed decisions on behalf of the investors. By entrusting your investment to professionals, you can save time and effort while benefiting from their experience and industry insights.

Considerations When Investing in REITs

  1. Market Risks: Like any investment, REITs are exposed to market risks. Economic downturns, interest rate fluctuations, or changes in real estate market dynamics can impact the performance of REITs. Therefore, it’s essential to conduct thorough research on the REIT’s portfolio, its geographic exposure, and the market conditions it operates in before investing.
  2. Interest Rate Sensitivity: REITs can be sensitive to interest rate movements. When interest rates rise, the cost of borrowing for REITs may increase, potentially impacting their profitability. So, monitoring interest rate trends and their potential impact on REITs is crucial.
  3. Tax Considerations: While REITs offer tax advantages, they also have unique tax considerations. REIT dividends are generally subject to income tax, and the tax rate depends on the investor’s personal tax situation. And some states impose additional taxes on REIT income. Consult with a tax professional to understand the tax implications specific to where you live.
  4. Research and Due Diligence: Not all REITs are created equal. It’s essential to conduct thorough research on the REIT’s management team, track record, financial performance, and portfolio composition. Evaluate the quality of the properties owned by the REIT, their locations, and the overall market conditions. Investing in REITs requires the same level of due diligence as any other investment.

Conclusion

Real Estate Investment Trusts (REITs) present a compelling option for individuals looking to invest in the real estate market without the hassle of property ownership. Through diversification, income generation, accessibility, and professional management, REITs offer a range of benefits. However, it’s crucial to consider the market risks, interest rate sensitivity, tax implications, and conduct thorough research before investing. With careful consideration and due diligence, investing in REITs can be a valuable addition to a well-diversified investment portfolio.

Do you want to find out more about how to invest in REIT’s?  We’ve had a couple experts come on the show before and talk about them.  If you want to learn more go back to either or both of these episodes.

 

Getting The Benefits Of Real Estate Without Being A Landlord With Matt Argersinger

https://blissfulinvestor.com/2021/04/getting-the-benefits-of-real-estate-without-being-a-landlord-with-matt-argersinger-real-estate-for-women/

 

Increasing Diversity In Real Estate Investing With Deidre Woollard

https://blissfulinvestor.com/2020/09/increasing-diversity-in-real-estate-investing-with-deidre-woollard/

 

Love the show? Subscribe, rate, review, and share!

Join the Real Estate Investing for Women Community today:

To listen to the EXTRA portion of this show go to RealEstateInvestingForWomenExtra.com

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Learn how to create a consistent income stream by only working 5 hours a month the Blissful Investor Way.

Grab my FREE guide at http://www.BlissfulInvestor.com

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