Cash on Cash Returns 2017 My final distributions for 2017 are in now and I can share my cash on cash returns for my equity investments.  I had 59 active real estate equity investments during the year. Four of the investments went full cycle and meet or exceeded expectations.  As a result, my cash on cash return for the year was 14.72%. Cash returns were 9.6% in 2016 and 10.1% in 2015. If my baseline investment total was 100 for 2015, I had 180 outstanding in 2016 and 310 outstanding on average in 2017. I basically had 3 times more invested in 2017 in real estate than I did in 2015.   14 of the 59 investments did not have a distribution in […]

I recently wrote a blog post about my Cloud mining experience with Hashflare.  I made about a 25% return in 15 days and averaging over 1% a day mining BTC.  So far so good! I have now uncovered another 1% a day crypto passive income stream, masternoid (MN). Essentially, if you own 1000 coins of certain alt coins and set up aMN.  Masternodes are computers that run a wallet and make decisions, such as locking transactions with InstantSend, coordinate mixing of coins, and voting on budget funding.  Masternodes get paid 45% of the block reward on every block, which is distributed to masternodes one at a time. Bottom line, you get paid a dividend to hold the altcoins.  You can […]

I am still investing 40% of my assets into commercial real estate. However, I caught Crypto fever over the last 2 weeks. I bought 10 bitcoins at Coinbase for $500 each about 3 years ago as it was falling from $2000.  It later went down to $200.  I did not log back into Coinbase for over 2 years.  Earlier this year when bitcoin went to $2500, I sold 2 coins to get my money back.  I now was playing with house money. Most exchange sites take weeks to get approved and they make you jump through many many hoops including uploading your license.  I tried Bitix, Kracken and a few others. Still waiting for approval 2 weeks later.   Binance only […]

With the recent hack of Equifax and perhaps 50% of all US resident’s personal information exposed, now is a good time to consider a freeze of your credit.  Since most readers of this blog are accredited, we have the most to lose. Marketers would like you to believe that a $50 credit monitoring service is the best course of action.  Why pay someone to tell you have a huge problem after the fact?  Then you have to spend time and money to try and fix this potential horror. A credit freeze can prevent a problem from ever occurring. Over five years ago, I froze my credit with the three largest credit agencies. It helps me sleep at night.  One less thing […]

I made my first crowdfunding debt investment with Patch of Land in March of 2014. Over the next 12 month I made an additional 15 investments on their platform.  My net returns were over 12% in 2014 and they never missed a payment.  A few loans were extended, but I never lost any principle and I made at least the advertised rate.  After a decade of earning less than 1% with CD and money markets, I thought I found the Holy Grail of investments. Over the next few years more debt platforms have popped up and the demand for “hard money” loans increased. This has put a downward pressure on rates and in my opinion a lower quality of sponsor […]

It’s time for my midyear report on the state of my real estate equity crowdfunding and syndication portfolio. This year 3 investments have gone full cycle. A RealtyShares retail in Las Vegas retail parcel sold in February and the 2-year hold netted a 28% IRR.  Also, the Real Crowd O’Donnell Phoenix industrial building project went full cycle in June of this year.  This 18 month hold also generated a 28% IRR. The last investment that went full cycle was iFunding’s Milwaukee fix and flip. This is my fist loss of principle on a deal. Including distributions my loss was 36% or about a -12% IRR. The sales price net of fees came out to a 56% haircut. Luckily, the home […]

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