Cashflow Ninja

887: Michael Morawski: Risk, Redemption & Real Estate: Lessons From A 30-Year Odyssey

Aug 25, 2025
Guest
Michael Morawski
In this engaging conversation, Michael Morawski, a real estate investor and author with over 30 years of experience, shares his transformative journey. He delves into lessons learned from navigating legal troubles and a decade in prison, emphasizing the importance of resilience and transparency. Listeners will discover insights on managing risk in real estate and strategies for recovery in the multifamily market. Mike also highlights the value of a long-term mindset in both investing and personal growth, making a compelling case for ethical wealth-building.
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ANECDOTE

Rapid Rise And Fall

  • Michael Morawski grew a $100M company quickly, raised $18M, bought 4,000 apartments and built a 100-employee firm.
  • He was later charged with wire and mail fraud for not fully disclosing fund movements and sentenced to 10 years.
ADVICE

Slow, Systematic Growth

  • Avoid hypergrowth without solid systems: grow slowly and systematically to scale sustainably.
  • Keep leverage reasonable and maintain strong capitalization for operations and payroll stability.
ADVICE

Conservative Leverage Targets

  • Keep loan-to-value conservative; target around 65% LTV or better for multifamily investments.
  • High LTV (like 85%) magnifies downside risk during market corrections.
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