Real Estate Rookie I Cracked the Code for More Cash Flow & Less Risk (Rentals + Private Lending)
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Nov 17, 2025 Shalom Yusufov, a savvy real estate investor who transitioned from private money lending to acquiring multiple rental units, shares his innovative approach to building a diversified real estate portfolio. He reveals how his first lending deal offered an impressive return and emphasizes the importance of vetting both properties and borrowers. Shalom also discusses the need for multiple exit strategies and why managing rentals isn't as daunting as it seems, providing a roadmap for new investors to navigate the market with confidence.
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Private Lending Versus Direct Ownership
- Private lending can match rental returns with far less time commitment and shorter terms.
- It appeals when you need liquidity or can't handle landlord responsibilities immediately.
First Deal: Family-Funded Private Loan
- Shalom's first deal was a private loan to fellow investor Grace for a Tucson flip with an 11% annual rate and a six-month term.
- He raised the capital by pitching the deal to his parents who owned equity in their paid-off home and joined on the promissory note.
Negotiate All Loan Terms
- Negotiate every term when you lend: interest, origination, extensions, and prepayment penalties are all flexible.
- Treat it as your money and set terms you feel comfortable enforcing if things go wrong.
