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There are a couple problems with direct investment in real estate though. Its expensive to purchase even a single property, a minimum of tens of thousands of bucks, and theres no way many investors can create a portfolio of different property types and in different regions to shield from those risks when you've got all of your money in only one or two investments. .
StREITwise provides 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 more like crowdfunding in its management. The fund has paid a 10% annualized return since inception and is a great way to diversify your property 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 around $5.4 billion in land and across all property types.
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So real estate crowdfunding is just the audience meets property investing. Developers and investors record 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 those jobs ever make it on to the PeerStreet platform that's where I do the majority of my investing. .
You can invest as little as $1,000 in every property that means that you can build up 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 debt or equity payouts throughout the platform and it gets passed on to investors. .
Since these are longer-term jobs, 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 commercial users so that affirms costs.
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I surveyed real estate crowdfunding sites on returns and found that debt investments average around 9% while equity returns average 15% annually. I invest in property debt on PeerStreet and in debt. I like investing on more than one stage since it gives me access to as many deals as possible. .
Subscribers 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 also 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 couple of months if youre really focused. The best part about self-publishing is that once you have it published on Amazon, theres nothing left to do. I spend about $20 per month on advertising for every publication and thats it. .
So if youre doing a novel every 2 months, youll have your $5,000 per month in just over two decades and thats going to be consistent income every month even if you stop writing.
Another investment I highlighted recently was p2p lending through Lending Club. Ive been investing in p2p for a few decades now and have booked returns just under 10%. Now that might not sound great against double-digit stock returns but its double 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 each $10,000 invested. Now thats a calendar year so youll need quite a bit invested to make that $5,000 a month but even a small portfolio will constantly be putting cash in your account. You receive paid useful site principal and interest monthly on your loans so its a great cash flow investment. .
What I like about p2p investing on Lending Club is the sites automated investing tool. You pick the criteria for loans in which you want to invest and the application does the rest. It will search for loans daily that fulfill those factors and mechanically 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. .