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There are a couple problems with direct investment in real estate though. Its expensive to buy even a single property, a minimum of tens of thousands of bucks, and theres no way many investors can create a portfolio of different land types and in different regions to protect from those risks when you've got 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 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 great way to increase your real estate exposure. .
The stREITwise 1st stREIT Office REIT invests in high quality office properties and as of this 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 real estate types.
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So property crowdfunding is merely the audience meets real estate investing. Developers and investors list their properties on a crowdfunding platform which assesses the investment and the job owners. This is a thorough review and only around 5 percent of the projects ever make it on into the PeerStreet stage that's where I do most of my investing. .
You can invest as little as $1,000 in each property which means you can build up a portfolio of different property types and in different regions for this diversification. In addition, you 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 projects, short-term economy hiccups shouldnt impact them. Real estate prices may occur after the economy somewhat but there's still that natural demand from homeowners and business users so that supports costs.
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I surveyed property crowdfunding websites on returns and found that debt investments average around 9 percent while equity returns average 15% annually. I invest in property debt on PeerStreet and in debt. I enjoy investing on more than one platform since it gives me access to blog as many deals as possible. .
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 books read here that averaged $1,857 a month last year.
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Im making an average of $185 a month on each book and you can generate a new book every couple of months when youre really concentrated. The best part about self-publishing is that once you get it printed on Amazon, theres almost nothing left to perform. I spend about $20 a month on advertising for every book and thats it. .
So if youre doing a novel every 2 months, youll have your $5,000 a month in just over two years and thats going to become consistent income each 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 few years now and have booked returns only under 10%. Now that might not sound fantastic against double-digit stock returns but its double what you get from additional fixed-income investments.
Investing in loans is nothing new. In fact, I guarantee you have money in them through any pension plan or insurance. You moved here 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 each $10,000 invested. Now thats a calendar year so youll need quite a bit invested to make that $5,000 per month but even a small 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 websites automated investing tool. You pick the standards for loans in which you want to invest and the application does the rest. It will look for loans every day which meet those variables and automatically invest your money. Its important because youre collecting money on your loan investments daily so you want to have that money reinvested as soon as possible. .