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Repositioning Office Buildings into Apartments and Condominiums is a Complex Process

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In many cases, the demolition crew has a job of dismantling economically, physically, and functionally obsolete buildings.

By Dan J. Harkey

Summary

The process is slow due to regulations, environmental concerns, and the economic viability of the conversion. Add: engineering and seismic upgrades, parking, security, and positioning of lighting for openness. However, some buildings fail to be candidates for conversion.

Working from home has significant advantages. Lifestyle, commuting time saved, avoiding office bureaucracies, useless meetings, interoffice politics, and clutter in our economic lives are some of them. For the intrinsically motivated people, this has been a godsend. The marginal and parasitic class of workers were unintentionally delivered into a free lunch until companies wise up and fire them. It began with the government’s overreach and excessive force in response to the COVID-19 fraud. The government’s brute force created a mass exodus of office workers, millions never to return.

Radicalized governance triggered the law of unintended consequences. If the government works to kill businesses, they will leave and seek out more friendly states to operate in. Suppose the government kills offices, commercial corridors, and residential neighborhoods, allowing preferential treatment to large corporations, tolerating violence and criminal behavior. In that case, people will move out and seek more business-friendly and safer environments. That is what happened when we allowed dark forces to take over the government from within.

Occasionally, a technetronic shift emerges, such as the convergence of technology, electronics, and culture, that enables us to work from home, make purchases online, and utilize Uber or Lyft-style transportation.

Add the public’s response, which has created a shifting paradigm, marked by a significant reduction in the demand for traditional office spaces and a shift towards remote work. This has led to a real mess in some cities, with once-bustling office buildings now standing empty and obsolete, a clear sign of the irreversible change in our work culture.

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Article:

A Reflection on the Impact of Remote Work on Urban Office Development: The ‘Shifting Paradigm,’ a term I use to describe the significant changes in the real estate market due to the rise of remote work. This term refers to the profound shift in work patterns and the subsequent impact on urban office development.

One of the many and most significant unintended consequences of the COVID-19 lockdowns is that employees and organizations have increasingly adopted remote work arrangements from home. This shift, which I refer to as a ‘seismic shift in work patterns,’ a term I use to describe the unprecedented and fundamental change in how we work, has significantly altered how we work, leading to a substantial reduction in the demand for traditional office spaces.

The downside is that this new in-homeworking paradigm returned to haunt many prominent perpetrators who benefited most from the lockdowns. They were the mega-giant investment firms, large corporations, big pharma, and mainstream media-entities considered systemically too essential and exempt from many devastating consequences. These entities are now facing the challenges of a remote work environment.

The workforce has shown remarkable adaptability in the face of economic challenges, transitioning to remote work with innovative solutions such as Zoom meetings. The proliferation of software programs that facilitate the elimination of marginal employees and create a more efficient and leaner staff is a testament to our resilience and the potential for positive change in the face of adversity. This adaptability should instill confidence in us all for the future.

This shift, now the norm for tens of millions, has proven that we can be more efficient and productive than in a traditional office setting. Out of a workforce of 154,000,000, 12.2% work remotely full-time and 4.7% one-half time. This model is effective and holds promise for the future of work culture, offering a hopeful and inspiring outlook for the post-pandemic world.

https://remote.com/blog/remote-job-roles
https://www.usatoday.com/money/blueprint/business/hr-payroll/remote-work-statistics/

The benefits of remote work are numerous and promising, offering reduced traffic, flexibility to work at the most productive hours, increased productivity, and, most importantly, freedom from company politics and ideologies. This shift has allowed many, including myself, to work in a way that suits our natural rhythms, such as being a morning rather than a night person. We can work or be semi-retired, and it’s up to us. I am usually up by 4 am.

The economic implications of this shift are profound, particularly in the real estate market. Once bustling with activity, tower office buildings now stand empty and obsolete. The lack of demand for office space and a higher interest rate environment have intensified the strain on owners. At least 1 billion square feet of vacant and unoccupied office space in the U.S. requires repositioning.

The obvious answer is that office space should be converted to residential occupancy whenever possible, with special financing vehicles for construction and tax credits to help make the transition viable. This shift is a change in work culture and a significant economic transformation that necessitates the urgent adaptation of property owners, lenders, and the government. The government initiated this mess as a political power grab and needs to take the lead in rectifying the situation. The time for action is now.

Office buildings are typically classified as Class A, B, or C in the commercial real estate sector. The differences are subjective, encompassing pricing, location, construction quality, and amenities. Thousands of primarily Class B and C buildings need help staying afloat, with some experiencing a decline of 50% or more in their value.

https://www.statista.com/topics/3240/office-real-estate-in-the-us/#topicOverview
https://www.zerohedge.com/markets/chinese-offices-emptier-now-during-peak-covid-lockdowns-economy-crumbles

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Despite the challenges posed by the remote work trend, major owners like Brookfield, Blackstone, and Starwood Capital Group are victims of the “shifting paradigm,” A term used to describe the significant changes in the real estate market due to the rise of remote work. Many have chosen to adapt by abandoning older towers in downtown areas.

Renovations or repositioning of the building need to be revised. How about a 345,000-square-foot office building in Baltimore selling for $4 million, or $12 per square foot? There are hundreds of examples of office towers selling for pennies on the dollar, resulting in earthshaking losses for property owners and lenders who foreclose on the defaulted properties. Lenders may be commercial banks, life insurance companies, or vehicles with securitized offerings.

Additionally, on the commercial property front, the long-lasting impact of the COVID-19 fallout is that small businesses are under severe stress due to changing consumer habits. Consumers are financially stressed and lack the funds to spend. In particular, companies that rely on office workers are closing up shop. At this point, 40% of all restaurants are expected to close their doors for various reasons, including reduced foot traffic, rising prices, increased street crime, and regulatory challenges. With this will come commercial vacancies that will be released if new, willing tenants understand how tricky the restaurant business is. There are currently more than 1 million restaurants in the U.S., of which 70% are small, single-unit operators.

The second most prominent reason for moving to remote work is that progressive-leaning governments exacerbate the crashing prices by overlooking criminal activities and defunding police departments. Crime-ridden metro cities include Detroit, Memphis, Birmingham, Baltimore, St. Louis, Kansas City, Cleveland, Little Rock, Milwaukee, Stockton, Los Angeles, San Francisco, Oakland, and Seattle. However, considering the complex factors in these cities’ economic situations, such as high crime rates, housing affordability, and social inequality, is essential.

There is no end in sight, and nothing will change unless the metro leadership is replaced in primarily progressive-leaning cities and towns, which are based on Marxist governing ideologies. The rule of law (law and order) must be re-established, and this change is necessary and within our reach. It’s time for a call to action and a potential solution to the current situation.

Leaving urban blight and moving into the suburbs is part of the ‘Shifting Landscape.’ This shift presents an opportunity for positive change in urban and suburban development. We must address the issue of criminal acts going unpunished to ensure a balanced and safe urban environment. This is a matter of economic survival and a fundamental requirement for a thriving society.

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

Keeping Good Tax Records Is Essential

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By Robert P. Russo, CPA PC

An essential part of tax planning is keeping good records. Having an organized recordkeeping system makes it easier to file a tax return or understand a letter from the IRS. Here are some tips:

Good recordkeeping helps taxpayers in a number of ways, including:

  • Identifying sources of income. Taxpayers may receive money or property from a variety of sources. The records can identify the sources of income and help separate business from nonbusiness income and taxable from nontaxable income.
  • Keeping track of expenses. Taxpayers can use records to identify expenses for which they can claim a deduction. Tax records help determine whether to itemize deductions at filing. It may also help them discover potentially overlooked deductions or credits.
  • Preparing tax returns. Good records help taxpayers file their tax returns quickly and accurately. They should add tax records to their files throughout the year as they receive them to make preparing a tax return easier.
  • Supporting items reported on tax returns. If the IRS selects the return for examination or if the taxpayer receives an IRS notice, well-organized records make it easier to provide answers.

In general, taxpayers should keep records for three years from the date they filed the tax return. It is important to develop a system that keeps all their important information together – whether it is a software program for electronic recordkeeping or labeled folders to store paper documents.

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What Records to Keep:

1. Tax-related records. This includes wage and earning statements from all employers or payers, interest and dividend statements from banks, certain government payments like unemployment compensation, other income documents, and records of virtual currency transactions. Taxpayers should also keep receipts, canceled checks, and other documents – electronic or paper – that support income, a deduction, or a credit reported on their tax return.

2. IRS letters, notices, and prior-year tax returns. Taxpayers should keep copies of prior-year tax returns and notices or letters they receive from the IRS. These include adjustment notices (where an action is taken on the taxpayer’s account), Economic Impact Payment notices, and letters about advance payments of the 2021 child tax credit. Taxpayers who receive 2025 advance child tax credit payments will receive a letter early next year that provides any payments they received in 2025. Taxpayers should refer to this letter when filing their 2025 tax returns in 2026.

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3. Property records. Taxpayers should also keep records relating to property they dispose of or sell. They must keep these records to figure their basis for computing gain or loss.

4. Business income and expenses. For business taxpayers, there’s no particular method of bookkeeping they must use. However, taxpayers should find a method that clearly and accurately reflects their gross income and expenses. Taxpayers who have employees must keep all employment tax records for at least four years after the tax is due or paid, whichever is later.

5. Health insurance. Taxpayers should keep records of their own and their family members’ health care insurance coverage. If they’re claiming the premium tax credit, they’ll need information about any advance credit payments received through the Health Insurance Marketplace and the premiums they paid. Need help setting up a recordkeeping system that works for you? Don’t hesitate to call.

MEET ROBERT P. RUSSO, CPA PC

As the founder and principal of Russo CPA, P.C, Bob pleasantly surprises clients (plus the IRS and lawyers) with his proactive, caring, and interested approach. Bob’s authentic passion for both numbers and people is why his accounting firm is sought after by everyone from solopreneurs to CFOs. And it’s what energizes his fast-growing team of top CPAs who follow his lead by providing impeccable service to clients – without the CPA geek speak.

The only thing geeky about Bob is his favorite reading material: the latest tax regulations, codes, and rulings (so he can secure every possible tax advantage for his clients). You might mistake Bob for the charismatic entrepreneur and CFO behind an internet travel startup or a visionary real estate developer. That’s because he held those roles during his 30-year career as an accountant, which began at a high-profile accounting firm. While CPAs aren’t required to have “field” experience, the best ones do. But Bob doesn’t define success by his own achievements, it’s what he achieves for his clients. Because of his entrepreneurial past, Bob relates so well to his clients. In addition to serious tax savings most firms would miss, he empowers his clients with real-world accounting and financial insights to increase business.

Bob is even results-driven outside of work, whether it’s finishing the 2012 NYC Iron Man or volunteering for 12 years as President of a kids’ soccer league. While his bottom-line results are always impressive, what matters to Bob are the people who benefit from them.

When he’s not immersed in accounting, Bob is with his family, cooking up elaborate 18-course meals or globetrotting.

Robert P Russo CPA PC
Certified Public Accountants
231 W. 29th Street (bet 7th & 8th Ave)
Suite 500
New York, NY 10001
O: 212-279-9800
C: 917-207-9278
F:866-396-2310
www.robertprussocpa.com 

Realty411’s VIRTUAL Event – Co-Living to Boost Cashflow with PadSplit

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Hello Investors;

Are you looking for new opportunities to grow your wealth through real estate? Join our exclusive webinar tailored for savvy investors like you.

What You’ll Learn:

  • Why co-living is becoming the lifestyle of choice for so many
  • How investors can maximize their properties using this strategy
  • Discover how technology is changing the rental market paradigm
  • A LIVE Webinar with Devon Aguirre, account executive, with PadSplit

Webinar Details:

📅 Date: Wednesday, October 3rd, 2025
⏰ Time: 11 AM PT / 2 PM ET / Noon MT / 1 PM Central
💻 Where: ONLINE

LEARN MORE PADSPLIT:

Co-living: Boosting cashflow, expanding buy boxes, and solving the housing crisis!

PadSplit is the nation’s largest shared housing marketplace, designed to help property owners earn more income while addressing the affordable housing crisis.

By converting single-family homes into safe, attractive co-living spaces, PadSplit enables investors to boost returns while providing members with an affordable place to live.

Since launching, PadSplit has created thousands of affordable units nationwide and continues to expand into new markets like Southern California.

Potential Environmental Hazards in Real Property Require Investigation by Professionals

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Serious Risks and Liability for Real Estate Owners, Agents, and Lenders When Properties are Not Vetted Properly

By Dan J. Harkey

Summary

Check Out This Piece Of Soils Boring Equipment

Understanding environmental hazards in real property is not just a matter of concern but a crucial and complex task. It involves a maze of risks, consequences, and regulations that demand the expertise of environmental science professionals to guide interested parties to the best solutions. This understanding is paramount in the real estate industry, as it can significantly impact property value and potential legal liabilities.

Risks may stem from the property’s or surrounding properties’ historic uses, potentially leading to long-term consequences. The materials used in the original construction and the current property usage by one or more tenants also pose significant risks.

The risks may be above or below ground, in groundwaters, the air, and construction materials, like a giant squid with tentacles reaching far and wide, with liability overlays and use limitations.

Any real property practitioner should familiarize themselves with the basic understanding of regulatory compliance and act as a prudent fiduciary for their clients.

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Article:

Non-compliance with environmental regulations can lead to a situation where the cost of mitigation exceeds the property’s value. This could result in litigation against the real estate agent (associate licensees), the Real Estate/Mortgage Brokerage firm, and its responsible broker, alleging negligence, breach of fiduciary duty, and constructive fraud. The (Brokerage Firm and its agents (defendants)) could be accused of failing to disclose significant risks, underscoring the importance of environmental regulations. The potential legal implications, including hefty fines, loss of reputation, and even suspension or revocation of professional licenses, are severe and should not be underestimated.

The potential for litigation due to a fiduciary’s failure to disclose all material facts or engage in negligent misrepresentation should serve as a stark reminder of the need for thoroughness and caution in all real estate transactions. Breaches of fiduciary duty can lead to significant financial losses, damage to professional reputation, and even legal action. This emphasis on potential financial losses should instill a sense of urgency in the audience, highlighting the importance of regulatory compliance and the possible risks of non-compliance.

Assessment and Remediation of various contaminants has sprouted, and an entire industry of companies specializing in the evaluation and removal of toxic materials has emerged.

Why should I be concerned about things that happened long ago?

Owners, tenants, agents, real property lenders, insurance companies, and surrounding properties, extending through entire neighborhoods and municipalities, are covered by an overlay of liability.

Who do I turn to for help in identifying the risks?

Specialists licensed as environmental engineers are the go-to professionals for identifying ecological risks, reporting and assessing mitigation procedures, and communicating with property owners and agents. They work with contractors and the Environmental Protection Agency (EPA) to ensure environmental compliance, providing a reassuring and confident resource for the real estate industry. Their expertise is invaluable in navigating the complex landscape of environmental hazards in real estate.

What is an environmental professional?

An experienced specialist who draws from the disciplines of chemistry, ecology, geology, hydraulics, hydrology, microbiology, economics, and mathematics for the identification, reporting, and mitigation procedures of environmental issues relating to real properties.

The fiduciary responsibility of real estate agents, brokerage firms, and the responsible broker regarding environmental issues.

Whether in real estate sales or lending (real estate/mortgage brokerage firms, the responsible brokers and their agents are fiduciaries of the clients/ principals). They are legally and ethically accountable for acting on behalf of another to the highest standards and in the best interest of the clients/principals they serve.

Breaches of fiduciary duty happen when the agent acts in their best interest and damages the principals. Many actions by the agent will be deemed as a breach:

Failure to disclose material facts, such as property defects, cracks in the foundation, land slippage, noise, and conflicts with neighbors, among others, can be considered a breach of fiduciary duty.

Receiving secret profits and fees

Withholding offers for self-gain

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What is a Phase I environmental site assessment?

An environmental professional conducting a Phase I environmental site assessment performs a thorough, preliminary, non-intrusive review. This includes a comprehensive examination of public records, past usages of the subject property, and surrounding properties, including a site inspection. The thoroughness and comprehensiveness of this process should instill a sense of security and confidence in the audience about the comprehensive nature of the assessment.

The report will be available to the principals, property owners, lenders, loan agents, and real estate agents.

The purpose is to identify environmental conditions (RECs) or risks.

RECs are defined as the presence of hazardous substances or petroleum products in, on, or at the subject property due to a release to the environment; the likely presence of hazardous substances or petroleum products in, on, or at the subject property due to a release or potential release to the environment; or the presence of hazardous substances or petroleum products in, on or at the subject property under conditions that pose a material threat of a future release to the environment.”[PC1]

What is a Phase II environmental site assessment?

If concerns are discovered in the Phase I process, a Phase II environmental site assessment should be ordered. This process involves more detailed information gathering, including soil borings and sampling analysis of the soil, vapor, groundwater, and/or indoor air, to evaluate the nature and extent of any existing contamination and recommended clean-up requirements.

A report will contain a detailed description of the contamination, its severity, the cleanup requirements, and recommendations for further investigation.

What is a Phase III environmental site assessment?

Upon completing Phases I and II, the environmental professional will recommend site mitigation/remediation. This will include alternatives, relative costs, timing, and a final analysis of a remediation action plan required to address the contaminant and hazardous issues.

This Phase III assessment is crucial as it provides a roadmap for decontaminating the site, including the cost, timing, and reporting procedures to the EPA, ensuring a thorough and effective remediation process.

The environmental professional will provide a roadmap for decontaminating the site, including the cost, timing, and reporting procedures to the regulatory oversight agency.

Stories about breaches are a giant reservoir of sorrow and financial losses:

www.dre.ca.gov/files/pdf/The_Real_Estate_Brokerage_as_Fiduciary.pdf
www.nar.realtor/sites/default/files/handouts-and-brochures/2014/nar-fiduciary-duty-032213.pdf

Consumer and Agent Education:

www.mynhd.com/booklets/combined_booklets_engl.pdf
www.geo-techsolutions.com/sites/default/files/caleparesidentialenvironmentalhazardsguide.pdf
www.cdph.ca.gov/Programs/CCDPHP/DEODC/CLPPB/CDPH%20Document%20Library/ResEnviroHaz2011.pdf

Federal Oversight:

The Federal Environmental Protection Agency (U.S. EPA) plays a pivotal role in overseeing environmental issues. Its responsibility for developing and enforcing regulations, providing grants, conducting environmental studies, educating the public, and publishing materials underscores the importance of federal oversight in ecological issues. The agency’s role is crucial in ensuring environmental compliance and protecting public health and the environment.

The EPA oversees the enforcement of baseline regulations, from the Clean Water Act to the Clean Air Act to Superfund. RCRA enforces a national standard for using hazardous materials, disposal of dangerous waste, and discharges to the environment.

This should make the audience feel the weight of the agency’s role in ensuring environmental compliance on a Federal level.

https://www.epa.gov/aboutepa/our-mission-and-what-we-do

GeoTracker is a powerful online resource that real estate professionals must use. It provides invaluable information about environmental hazards in a specific area, empowering agents to make informed decisions and advise their clients effectively. GeoTracker can reveal past and present environmental issues, potential risks, and ongoing remediation efforts, giving agents a comprehensive view of the ecological landscape in a particular location.

“GeoTracker” is an online database system used by the California State Water Board and regional agencies to track and archive compliance data related to waste discharges to land, hazardous substance releases from underground storage tanks, and other environmental monitoring activities. It is a central repository for ecological compliance data with geographic location capabilities. (Real estate/mortgage brokerage firms and their agents) should become familiar with this resource as it can provide valuable information about environmental hazards in a specific area. Using “GeoTracker,” real estate licensees can access up-to-date information about environmental compliance in a particular location, which can help them make informed decisions and advise their clients/principals effectively. This tool is invaluable for identifying potential environmental hazards and ensuring regulatory compliance in real estate and mortgage transactions.

https://geotracker.waterboards.ca.gov/map

There are many, but the basics are as follows.

https://www.epa.vic.gov.au/for-business/how-to/manage-environmental-risk/common-hazards

Environmental Considerations in Real Estate: Managing Risks and Responsibilities – Keven Steinberg Law

Common hazards include air contaminants and toxic and hazardous materials discharged into the air from active manufacturing or stationary settings, such as those embedded in real property components.

Asbestos, a common hazard in properties built before 1978, is a serious health risk that can lead to cancer if exposed for a long time. Mitigation is crucial, and the decision to encapsulate or remove it should be made promptly.

Lead-based paint–Properties built before 1978 generally had lead-based paint on both the inside and outside. The federal government banned lead-based paint in residential properties in 1978.

Formaldehyde–

Carbon monoxide–

Radon–

Industrial pollution–

Land contamination–

Groundwater contamination–

Adjacent property and neighboring properties within many feet of the subject property.

https://www.cdc.gov/lead-prevention/prevention/paint.html

https://www.epa.gov/lead/protect-your-family-sources-lead#:~:text=In%201978%2C%20the% 20federal%20government,is%20usually%20not% 20a%20problem.

https://study.com/academy/lesson/environmental-health-hazards-risks-in-real- estate.html#:~:text=Formaldehyde%20is%20a%20gas%20found,states%20require%20disclosure%20of%20formaldehyde.

Mold is a fungus that can cause respiratory illnesses and death. It also permanently damages building materials and severely damages property.

Body of law: innocent purchaser

https://law.justia.com/codes/california/2009/hsc/25548-25548.7.html

https://www.chapman.com/publication-Environmental-Lender-Liability-Protection

https://www.epa.gov/sites/default/files/documents/lender-liab-07-fs.pdf

Research exhibits:

https://dtsc.ca.gov/wp-content/uploads/sites/31/2021/07/HWM-TP_Phase-I-Env-Assessment- Chcklist_Instructions_ADA.pdf

https://dtsc.ca.gov/wp-content/uploads/sites/31/2018/02/HWM-TP_Phase-I-Env-Assessment-Chcklist.pdf

https://www.epa.gov/sites/default/files/2017-07/documents/aai_factsheet_environmental_professional_epa_560_f_17_191_508.pdf

https://www.astm.org/e1527-21.html

https://www.jdsupra.com/legalnews/astm-1527-21-phase-i-environmental-site-1691134/

https://www.creativeenvironmental.com/what-are-the-4-phases-of-environmental-site-assessments/

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

Asset Prices Surge Amidst Dollar Devaluation Trends

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By Rick Tobin

How are so many asset prices (homes, commercial real estate, gold, stocks, etc.) today at or near all-time record highs, while the purchasing power of the dollar is at all-time record lows? Is the economy booming like never before or is the dollar’s purchasing power seemingly crashing and burning?

A recently published Statista Consumer Insights survey that was conducted in June and July 2025 found that 49% of U.S. adult respondents said that the high cost of living was their biggest daily concern.

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The Top 8 answers provided in this survey of 4,098 adults between the ages of 18 and 64 were as follows:

1. Cost of living – 49.1%
2. Physical health – 26.3%
3. Mental health – 26.0%
4. Work-life balance – 25.8%
5. Political or social issues – 22.7%
6. Age-related concerns – 16.7%
7. Housing – 16.6%
8. Career dissatisfaction or uncertainty – 16.2%

Why does it seem that many items are less affordable today than in previous years? One answer is that our dollar’s purchasing power continues to rapidly decline at an accelerating pace.

Dollar’s Purchasing Power Turns to Ash

The federal government’s published inflation rates in 2025 are still lower than inflation rates back in the 2021/2022 years that peaked near 9%. However, it sure doesn’t seem like our dollar buys the same amount of goods and services here in 2025 whether or not the published inflation rates are 2%, 3%, 4%, 5%, 9%, or 10%.

Here’s a summary of the decline of the dollar over the past 112 years:

  • $1 in 1913 (the year when the Federal Reserve was formed, ironically, as a way to “contain inflation” and “stabilize the dollar”) now has the equivalent purchasing power of almost 3 cents today.
  • The purchasing power of $1 fell to about 7 cents over the past 50 years, so most of the dollar’s decline in value has taken place during this 50-year time period that followed the removal of the dollar from the gold standard during the 1971-1973 years.
  • Since 2000, the dollar’s purchasing power has dropped by -41%.
  • The M1 money supply (cash or cash equivalent) increased from $4 trillion dollars in January 2020 to $20 trillion dollars by October 2021. The more money in circulation, the less purchasing power for the dollar.
  • The dollar’s purchasing power has fallen 10% in the first seven months of 2025 as the dollar’s losses are accelerating.
  • Because real estate has proven to be an exceptional hedge against inflation and an imploding dollar or fiat currency that’s backed by “thin air,” these are key reasons why home values today are near all-time record highs.

Falling Rates & New Buying Opportunities

The average 30-year fixed rate over the past 50 years was about 7.7%, which is actually much higher than today’s 30-year fixed rate average that is almost 1.5% lower as of the first week in September 2025.

The peak high 30-year fixed rate over the past 50 years reached 18.63% in October 1981, while the low rate average fell to 2.65% in January 2021.

On September 5, 2025, the 30-year fixed rate reached a 6.29% rate average, as per Mortgage News Daily and CNBC. This rate was near the lowest 30-year fixed rate average dating back to October 2024.

Even if the Fed takes short term rates down to near zero again like in past years, the 10-year Treasury yield may still increase due to factors such as fewer foreign buyers for our Treasury bonds, rising federal debt, and potential future credit downgrades by credit rating agencies such as Moody’s, Standard & Poor’s, and Fitch.

To learn more details about potential interest rate directions, please read my article published on August 8, 2025: Are Lower Rates on the Horizon?

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Commercial Real Estate Trends

Each commercial asset class like multifamily, industrial, office, retail, and mixed-use across our nation has both positive and negative trends.

For some commercial properties owned by fortunate landlords, they may see 100% occupancy rates, record high rents, and all-time peak high property values. For other property owners, they may experience high vacancy rates, negative cash flow, and upside-side down values because their mortgage debt exceeds their current market value.

Let’s take a look below at some of the latest commercial real estate trends:

  • The estimated total dollar value of commercial real estate was $22.5 trillion as of Q4 2023, which makes it the fourth-largest asset class in the nation following stocks, residential real estate, and Treasury securities. (Federal Reserve’s April 2024 Financial Stability Report)
  • By July 2024, the national office vacancy rate reached a whopping 20.1%. This was the first time ever that the U.S. vacancy rate surpassed 20%. (CommercialEdge)
  • By early 2026, Moody’s forecasts office vacancy rates hitting 24%+.
  • In August 2025, the delinquency rate for office mortgages securitized into commercial mortgage-backed securities (CMBS) spiked to 11.7%, the worst ever default rate and a full percentage point above even the peak meltdown rate of the Financial Crisis (10.7%) during the 2008 to 2012 years, according to data by Trepp.
  • Almost 45% of all office buildings nationwide that are leveraged with debt are upside-down or underwater where the existing mortgage debt exceeds the current market value, per Bloomberg and Morgan Stanley.
  • To learn more details, please read my Are You Focused on Commercial Real Estate article.

Ballooning Commercial Loans & Motivated Sellers

Unlike most residential one-to-four unit properties that have 30-year fixed rate terms, most commercial properties have shorter term mortgages that may only last for a few years before they balloon or mature and must be paid off or refinanced.

Let’s review the ballooning commercial mortgage numbers below:

  • Approximately 20%, or $929 billion, of the $4.7 trillion dollars’ worth of outstanding commercial mortgages owed to lenders and investors were scheduled to balloon or become all due and payable by the end of 2024, as per the Mortgage Bankers Association’s 2023 Commercial Real Estate (CRE) Survey of Loan Maturity Volumes.
  • However, many of these ballooning loans were extended well beyond their maturity date because banks don’t want to acknowledge all of their current financial losses, just like back during the 2008 to 2012 era, or their bank’s stock value may go “pop.”
  • Upwards of $2.7 trillion for commercial and multifamily mortgages are set to balloon or mature by the end of 2026. (Mortgage Bankers Association)
  • In 2024, the U.S. apartment construction industry was expected to break a new all-time record for apartment units delivered with well over 500,000 units completed, which is 30% higher than back in 2022. (Fannie Mae)
  • When apartment unit supply exceeds tenant demand, rents and values tend to fall.
  • The rising multifamily apartment loan default rate is increasing due to a combination of rising adjustable rates that are resetting after 3, 5, or 7-years and skyrocketing insurance costs that creates negative cash flow.
  • The largest issuers for these ballooning commercial loans are community banks and thrifts that hold over half of these maturing loans through 2028.
  • Realloans offers interest-only and asset-based, no income verification commercial property loans with up to 30-year terms for most property types.

The Importance of Income-Producing Assets

Nearly 60% of Americans say they live paycheck to paycheck, according to surveys published by LendingClub.

Wealth distribution has become increasingly concentrated in the hands of fewer people since 1990. Overall, the top 10% of wealthiest Americans own more than the bottom 90% combined, with more than $95 trillion in wealth for the top 10%.

U.S. homeowners are 43 times wealthier than tenants. The average homeowner at retirement age has 83% of their net worth tied up in their main home.

The average age of a first-time homebuyer in the U.S. is 38, while it’s 49 here in California due to much higher prices, as per the National Association of Realtors.

The average U.S. home seller age in 2024 was 63. For many of these sellers, they first took a risky chance and bought their home more than 30 years earlier in their early 30s or late 20s.

The average homeowner at retirement age has 83% of their net worth tied up in their main home. Unless you’re in the Top 1%, the odds are quite high that the bulk of your wealth is concentrated in real estate if you’re fortunate enough to own now.

The average Social Security benefit here in 2025 is $1,976/mo. ($23,712/yr.), per Kiplinger.

The fastest growing demographic percentage increase in the workforce in 2024 was over the age of 75 because Social Security and pensions aren’t high enough, according to Pew Research.

Either you work hard for your money or you let your money or investments work hard for you when you’re awake or asleep. Yes, investing can be scary, but so can the thought of not having enough monthly income to cover your debts.

To be able to actually retire these days, many people need some form of income-producing assets creating monthly cash flow for them. It’s much riskier to do nothing today than to start investing as soon as possible.

The best time to start investing is now. Your future self and your family will later thank you.

Rick Tobin

Rick Tobin has worked in the real estate, financial, investment, and writing fields for the past 30+ years. He’s held eight (8) different real estate, securities, and mortgage brokerage licenses to date and is a graduate of the University of Southern California. He provides creative residential and commercial mortgage solutions for clients across the nation. He’s also written college textbooks and real estate licensing courses in most states for the two largest real estate publishers in the nation; the oldest real estate school in California; and the first online real estate school in California. Please visit his website at Realloans.com for financing options and his new investment group at So-Cal Real Estate Investors for more details. 

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411.com or our Eventbrite landing page, CLICK HERE.

Lightning Speed of Closing Private/Hard Money Loans: The Pivot When Urgency is an Issue

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Sometimes Borrowers Have an Urgent Need to Get the Proceeds of a Loan to Solve an Urgent Problem

By Dan J. Harkey

Real-life example: a successful closing

Summary:

The primary benefit of private money loans is speed…

These loans are funded by investors motivated by yield, which is the return on investment. In this context, yield refers to the profit or return an investor earns on their investment. It’s a measure of the cash flow that an investor receives from a particular investment, usually expressed as a percentage of the investment’s cost. The higher the yield, the more attractive the investment. This key factor motivates private money lenders to fund these loans.

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The second benefit is flexibility in underwriting requirements, such as credit, income, the condition of the collateral property, and borrower documentation.

With fast approval and often funding within 2 to 14 days for bank declines and fallouts (instances where a bank-approved loan does not close due to various reasons, such as changes in the buyer’s financial situation or issues with the property), these loans provide a swift solution when time is of the essence. As a borrower with problems to solve, would you be willing to trade off lower interest rates at the bank for a quicker closing with higher rates and points?

Article:

The bank’s delay forced them to release the $100,000 deposit proceeds for a two-week extension. Then, the unexpected happened: the bank was fixated on a seemingly insignificant condition — a minor discrepancy in the property’s title — which became the ‘straw that broke the camel’s back.’

The couple was in a race against time. They needed to close the deal fast or risk losing their $100,000, a significant amount. The seller had a backup offer, which was a higher bid from another potential buyer than the couple’s purchase price. This meant they were on the verge of losing the property if they didn’t act swiftly.

In a state of panic, the couple turned to their knowledgeable mortgage broker for help. The broker’s ability to pivot to a private money lender for a bridge loan — a 12-month, interest-only loan — was a game changer. This astute decision, made possible by the broker’s knowledge and quick thinking, allowed the couple to close their deal and avoid losing their $100,000 deposit, relieving them of initial panic and stress. The broker’s role in this process cannot be overstated.

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The private money lender wasted no time. They swiftly acquired the loan file from the institutional lender, which included the open escrow, preliminary title report, application, financial statement, bank statements, insurance information, copies of the rental agreements, credit report, background search, and appraisal. With a quick review appraisal, the private money lender approved the loan, substituted itself as the lender, drew up the loan documents and disclosures, and closed the deal in just five business days.

With their speed, flexibility, and potential to save a deal, private money loans are a valuable resource for borrowers needing quick funding. The private money lender played a crucial role in this scenario, providing a much-needed solution. Their timely intervention ensured the couple’s deal was closed, bringing a profound sense of relief. The broker fee was well earned, and the couple was deeply grateful for the lender’s swift and effective action, fostering a deep understanding of gratitude and trust in their relationship with the lender.

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

The Hidden Game of Wealth: What the Wealthy Know (and You Were Never Taught)

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Please review this important webinar invitation.

You’re invited to our new webinar! Don’t forget to schedule this into your appointment book.

Webinar Details

📅 Date: SATURDAY, AUG. 30TH, 2025
⏰ Time: 10:00 AM PT
💻 Where: ONLINE

📋 Webinar Description

You’ve worked hard, saved, and maybe even tried rentals, private lending, or syndications. But deep down, it still doesn’t feel like enough. That’s because most people have been taught to play checkers, while the wealthy are quietly playing chess.

Flip and Dani Lynn Robison, with over $50M+ AUM and a 100% payout track record, will show you how to break free and finally create predictable, passive income and lasting family wealth.

✅ What You’ll Learn

  • 🎩 Why the system is “rigged” — and how to spot the misdirection keeping most people stuck.
  • ♟ Checkers vs. Chess: The strategies wealthy investors use that most people never see.
  • 📈 The $7K-to-Millionaire Plan — how even a small, tax-advantaged start can compound into lasting wealth.
  • 💸 Real data + stories on ‘Investments Gone Wrong’ — how fees, crashes, and bad advice drain portfolios.
  • 👩‍👩‍👧 Hear real stories: From overworked professionals to hands-off investors, see how people like Alana, Ben & Kristina built confidence and cash flow with Freedom Family’s approach.
  • 📊 How Freedom Family’s Promissory Note Debt Fund makes private lending safer, scalable, and stress-free.
  • 🛡️ The ultimate endgame: Freedom, Safety, and Peace of Mind for you and your family.

👥 Webinar Speakers

Dani Lynn Robison – Co-Founder & Managing Partner of Freedom Family Investments. With $50M+ AUM, 12%+ average returns, and a 100% payout record, Dani helps investors turn hands-on real estate into scalable, passive income.

Flip Robison – Co-Founder & Managing Partner of Freedom Family Investments. Flip has two decades of experience helping families create recession-resilient portfolios through needs-based real estate like senior housing and workforce apartments.

CTA:

👉 Reserve your seat now and discover how you can start your journey toward Freedom, Safety, and Peace of Mind—with as little as $25,000.

Since 2007, Realty411.com has assisted top companies expand their visibility and grow their business.
Contact us for a complimentary marketing session. Investors, do you have questions about real estate investing?
Book a meeting with a Realty411 team member: CLICK HERE.

Licensed in California
DRE #01355569
The REAL Brokerage
DRE #02022092

Don’t Miss Our NEW Webinar

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Hello Investors;

For those who have attended our previous webinar and live events, thank you. Now, we would like to invite you and everyone who has yet to join us for our new exclusive webinar.

In this new session, we will learn from one of our favorite real estate investing couples, Dani Lynn and Flip Robison.

Be sure to RSVP for this webinar to hear their unique story on how they got started in real estate. Plus, your get to hear some insights, including how they incorporate fun into some serious property investments across the country.

What You’ll Learn:

  • The unique story of how spouses Dani Lyn and Flip Robison got started in real estate
  • Some of the pros and minuses of operating a real estate business with your spouse
  • Discover some of their favorite hot markets for purchasing real estate investments
  • Insights into what it’s like to be full-time real estate investors, plus operate numerous other real estate service companies as well
  • A LIVE webinar with these exciting Real Estate Investment Leaders

Webinar Details:

📅 Date: SATURDAY, AUG. 30TH, 2025
⏰ Time: 10:00 AM PT
💻 Where: ONLINE

LEARN MORE ABOUT OUR EDUCATORS: Flip and Dani Robison

Flip & Dani Lynn Robison are the Founders and Owners of the Freedom Family of Companies, a vertically integrated investment firm.

Raised in families rich in love but poor in money, Flip and Dani decided to change their financial story. The couple discovered real estate as a path to create wealth while also creating the kind of loving home environment they had experienced growing up.

Flip and Dani entered the real estate market at the height of the 2008 crash, and through all the ups and downs they emerged as top leaders in their industry.

Their approach to personal success and financial leadership has landed them on the Forbes Business Council and featured in industry publications like REI Wealth magazine.

Flip and Dani are on a mission to empower next-generation investors with an authentic “Get Real” investor education. Their teachings help investors spend less time worrying about wealth and more time loving their life.

Key Achievements:

  • Over $38 Million raised and over $6 Million passive income paid to investors
  • Over 900 Units under management for investors internationally
  • Over 2,000 single-family deals and over $93 million in assets under management
  • Three successful exits

Since 2007, Realty411.com has assisted top companies expand their visibility and grow their business.
Contact us for a complimentary marketing session. Investors, do you have questions about real estate investing?
Book a meeting with a Realty411 team member: CLICK HERE.

Licensed in California
DRE #01355569
The REAL Brokerage
DRE #02022092

Life Of A Self-starter: A Lifelong Journey

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Self-starters are purpose-driven, intrinsically motivated, action-oriented, and demand to get things done.

By Dan J. Harkey

Summary

The journey of a self-starter is not just a destination; it’s a profound transformation, an attitude that reshapes our approach to work and life.

It’s a proactive journey marked by repeated achievements, such as mastering a new skill, completing a challenging project, taking calculated risks, accepting some setbacks, and overcoming personal obstacles. These achievements bring a profound sense of empowerment, a powerful fuel that comes with taking control of our destiny.

It’s about self-motivation, learning competencies, skill sets, and action habits, accepting some stagnation and setbacks, and achieving incremental successes. This journey is not about inherited abilities, but rather achievements resulting from hard work, such as consistently working extra hours to master a skill set or taking on challenging projects to push our limits.

Our successes do not occur along a corresponding linear upward trajectory, but rather from an oscillating up-and-down pattern. This means that there will be times of rapid progress and times of stagnation or setbacks. Understanding and accepting this pattern is not a sign of weakness, but a crucial part of the self-starter journey. It prepares us for the challenges ahead and fosters resilience and determination.

The 80/20 rule applies: With tenacity, 80% of our accomplishments will occur in the last 20% of the time, because we refused to give up.

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Article:

When we arrive at the status of a true self-starter, we will recognize it as part of our overt conscientiousness. We are comfortable being ever-present and pushing the limits.

The process involves developing action habits, attitude, motivation, enthusiasm, self-confidence, talent, tenacity, and flexibility through repeated and often redundant processes. Our successes usually stem from activities we are willing to do, but others will not because they are too tedious.

In a society that values hard work, risk, and the development of self-starters, it also expects individuals to appreciate abundance. What I mean is to achieve a better lifestyle for myself and my family. This hard-charging attitude, combined with the accumulation of experiences and successes, sets the self-starter apart, earning distinction in the top 10% of our field.

Self-starters are fearless in their uniqueness, boldly rejecting the path of easy and passive mediocracy. By rejecting mediocrity, we can foster a culture of empowerment and inspire others to do the same.

Too many individuals choose a path of least resistance and mediocrity, many engaging in the “great resignation,” “great reshuffle,” “quiet quitting,””mentally checked out,” and even finding fake or superficial work activity. They are willing to live within the confines of government-provided goods and services (free handouts defined as entitlements), occupation, mediocracy, entertainment, accepting indoctrination, submission, conformity, and mass procrastination. If others elect to sit in “quiet desperation,” offer to assist them, but do not allow them to affect your hard-charged attitude.

They may find comfort in the “group mentality” or “groupthink,” a phenomenon where individuals often conform to a group’s decisions or beliefs without critically evaluating them. This characteristic can lead to a lack of independent thinking and decision-making, hindering personal and professional growth. By breaking free from groupthink, we can cultivate a culture of excellence and individuality, inspiring others to do the same.

Conformity to the will of others often suppresses actions, leading to the forfeiture of one’s unique identity. Breaking free from this is crucial for personal and professional growth, as it fosters independent thinking and decision-making. By stressing the dangers of groupthink and the importance of independent thinking, I encourage my readers to question and reevaluate their beliefs, leading to growth and empowerment.

Anatomy of Self-starters:

Maintaining a positive attitude is a characteristic and a vital foundation of a self-starter’s journey. It sets the tone for their actions and decisions, guiding them towards their goals.

  • Self-assured
  • Highly energized
  • Prefers action to conversation
  • Thrives in fast-paced environments
  • Comfortable in non-conformity
  • Focusing on the present with a daily and long-term action plan and habits is crucial for the success of a self-starter
  • Willingness to take risks
  • Practices a great deal of tenacity (stick-to-itiveness)
  • Understands that the success journey of ups and downs is unlimited
  • Extraverted and gregarious (in a few cases, self-starters are neither extraverted nor gregarious)
  • Self-starters strive to learn from all sources–articles, research, and experience. This commitment to continuous learning is critical and the key to their success, as it keeps them informed, adaptable, and innovative. It’s a reminder that learning is not a one-time event but a lifelong journey that fuels personal and professional growth.
  • Thinks rationally and intuitively
  • Possesses a tactical, action-oriented mindset with the natural ability to adapt, think logically, and pivot when necessary, about facing setbacks, rejections, and criticisms with remarkable resilience. This resilience, a critical trait that allows us to keep moving forward, undeterred by obstacles, is not a gift but a skill anyone can cultivate. It inspires others to persevere in the face of adversity and fosters a sense of determination and persistence.
  • A self-starter is also ‘Sensitive’ to others, showing dignity and respect to all and understanding the importance of empathy and respect in personal and professional relationships.

Self-starters are rare, constituting only 10% of the productive population. As workers and producers comprise less than half of the population (163 million), self-starters are relatively rare, possibly numbering fewer than 3-5%. In other words, 95-97% of the population lack the will to develop motivation and capability, or to learn success techniques and become highly productive.

Becoming a Self-starter involves taking on many risks through repetitive actions, attitudes, habits, experiences, rejection, and failures, while focusing on sharpening skills until one has attained the coveted master’s level designation. The designation and reputation as a self-starter are valuable assets.

People are not born into the Self-starter club, unlike those from educated, wealthy families, well-connected, or the Mensa club. Becoming a Self-starter requires a decision and enlightenment to go forward in that direction as a lifestyle. Almost anyone with critical thinking capability can become a Self-starter in any field. Willingly adopting successful habits, such as time management, continuous learning, and resilience, is a good start. Practicing these established principles can help develop focused habits. For instance, effective time management involves setting clear goals, prioritizing tasks, and avoiding procrastination. Continuous learning can be achieved through reading, attending workshops, or seeking mentorship. Resilience is built by facing challenges head-on and learning from failures. Searching out new methods and changing and accepting new paradigms is necessary.

The Self-starter does not boast about or focus on his successes but on future visions. They thrive in the moment and the tomorrow. Those around the Self-starter may find the attitude infectious and want to join, developing a lasting friendship. Self-starting attitudes are a magnet for attracting new relationships and friendships.

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The mantra of the Self-starter:

  • I will maintain a positive attitude
  • I will strive for individual accountability and self-sufficiency
  • I will remain ever-present in the physical world around me
  • I will dwell in a world of action and performance habits
  • I am an optimist
  • I am a risk-taker
  • I am a visionary
  • I do not need to subscribe to the group’s norms
  • I am a non-conformist
  • I will execute my plan with determination

Tools used by the Self-starter:

  • Effective time utilization
  • Leveraging results through others and technology
  • Recognizing that success is asymmetrical
  • Seeking out mentorships

Focus on the most essential elements at any given time that yield the most outstanding results every minute of every day. Self-starters understand that 20% of our activities generate 80% of their intended results. Self-starters also understand that 20% of their customer base is responsible for 80% of their sales and, therefore, their income.

Leverage time through delegation

Certain activities maximize their value, while others are important but should be delegated to support staff or third-party independent vendors. Delegated job responsibilities are integral to overall success, but can be handled by knowledgeable and well-trained others. The Self-starter knows that each hour of delegated activities could double, triple, or quadruple their productivity and time value.

Technology

The self-starter recognizes that unlimited opportunities exist to utilize software packages to manage data, market, network, and process their jobs and daily activities.

Self-starters know that technology provides leveraging devices that enhance their effectiveness and multiply their results many times.

Symmetrical vs. asymmetrical growth

Personal and business growth is not accomplished on a constant upward trajectory. We do not automatically get improved results by X amount per minute, hour, month, or year. Variables that affect results change constantly. For example, the real estate loan salesperson may need to catch up around holidays, whereas the retail stores do their best during the same time. Socioeconomic or political upheavals may cause business results to drop dramatically, while positive news about the economy’s performance may accelerate new business activity. Attitudes and actions may modify results.

Balance of symmetrical growth requires constant modification of activities, action habits, and growth patterns. A person’s activities differ during high-production months compared to low-production months. A Self-starter recognizes that marketing strategies such as mass email or text marketing and a high volume of inbound calls may be followed by stagnant periods. During this, outbound solicitations are necessary to bridge the gap.

Exponential growth

Growth or success will increase in quantity over time at an accelerating rate. If the plan is executed efficiently, success will double or triple. Eighty percent of the results are completed in the last 20 percent of the allocated time. Focus, execution, constantly readjusting the plan, and tenacity are the keys to success.

Momentum is accomplished by sticking to a plan and modifying it when necessary. The opposite of exponential growth is exponential decay, where success shrinks with time if the plan is not executed. Loyalties, referrals, momentum, and results quickly cease when the person stops executing their plan. Catching infectious diseases, often referred to as “bad attitude,” “bad habits,” or “procrastination,” can easily cause a downward trajectory in success.

All plans and their execution must be constantly evaluated and modified. Stagnation and failure to modify action habits will cause a downward trajectory.

Organizational bureaucracy:

A bureaucracy is a work organization that refers to a body of personnel executing the organization’s directives. The term bureaucracy means “rule by desks.” As staff members multiply, inefficiencies diminish intended results. Each staff member’s agenda may differ from the organization’s intentions. The more each staff member deviates, the more inefficiency sets in. Inefficiencies drag on goals and profits. Even a tiny organization can have a drag on efficiency when most or all the decisions must be filtered through one party.

If a job is directed to particular staff members due in two weeks, misuse of time, procrastination, spending time on trivial matters, and delegating to subordinate support staff may be counterproductive and a drag on profits. Many staff only care about going through the motions and getting paid. This is an example of a process-driven approach rather than a results-driven one.

Many companies tolerate inefficiencies and hire more staff, which in turn drags down production and, consequently, bottom-line profits.

Governments actively encourage the multiplication of personnel, no matter how inefficient they become. Multiplying personnel and consuming public tax receipts become the primary goals rather than getting results. Entrenched bureaucracies can become cancer.

“Work expands to fill the time available for its completion.”

C. Northcote Parkinson, Parkinson’s Law, 1942

Time away from the pressures of work:

The Self-starter has learned to escape from business pressures and outside influences, which create 80% of life’s stress. Stresses include internal strife, external influences, family pressures, mainstream media, and the constant barrage of advertising.

Escape into a getaway zone, leaving all these pressures behind. Turn off your phone and TV, and refrain from reading the newspaper. Turn on the music, walk, or hang out in the man cave (or woman cave).

“If you do not read the newspaper, you are uninformed; if you read the newspaper, you are ill-informed.”

Mark Twain was an American humorist, journalist, lecturer, and novelist.

Discover a unique mental hobby shop, a connection of places and activities that allow one to escape. Plan for this valuable time in your schedule.

Only some people desire to become self-starters because it requires much effort. If someone can make a living and chart their course through life, there is nothing wrong with being average or living in a world of mediocrity. There is comfort, security, and a lack of stress in a world of mediocracy. Additionally, in a few cases, self-starters are motivated by deep-seated insecurity and a fear of failure, and compensate by becoming the opposite.

We choose a direction, recognizing that there are many others. We will make our own decisions–Rachet up your Self-starter motor. We will surround ourselves with kindred spirits.

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

Make $10K Monthly with a Residential Assisted Living (RAL) Home!

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Hello Realty411 Investors;

Are you looking for new opportunities to grow your wealth through real estate? If so, be sure to watch our exclusive webinar replay tailored for savvy investors like you.

What You’ll Learn:

  • Learn Why Residential Assisted Living is the Fastest Investing Sector
  • Discover How Your Can Get Involved and Get Ready for the Silver Tsunami
  • Insights into the thriving market of Residential Assisted Living
  • A Live Webinar with the Leader of this Space: Isabelle Guarino!

LEARN MORE ABOUT OUR EDUCATOR: ISABELLE GUARINO

Isabelle Guarino trains and teaches entrepreneurs and investors at the Residential Assisted Living Academy. She has extensive experience in building brands, launching this company and many more into national recognition while running the day-to-day operations.

She is responsible for the creation and success of the Assisted Living Conference, the Assisted Living Network Podcast, RAL National Association, Recovery Housing Academy, Pitch Masters Academy, and most of the Impact Housing Group’s companies. With a background in Business Marketing and Communications, from interning at Walt Disney World, to working at two Fortune 500 companies, she is a true leader in business development and operations.

Isabelle has spoken across the country to 100,000’s of investors and entrepreneurs, she is a 2x Best-Selling author and has been featured in major magazines & articles nationally. She was named both “Future Leader” in the Senior Housing industry and “Top Senior Housing Influencer”.

She is THE most sought-after coach and trainer in our country for all things “RAL”! Isabelle’s goal is to carry on her father’s legacy by training investors & entrepreneurs how to… “Do Good & Do Well”.Whether you’re a seasoned investor or new to real estate, this webinar will equip you with actionable strategies to diversify your portfolio and achieve consistent returns.Seats are limited, so secure your spot now!

Take the first step towards becoming a private lender and making your money work smarter for you. Be sure to watch this webinar replay.

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LEARN MORE ABOUT THE ACADEMY

Residential Assisted Living AcademyTM is America’s premier training organization in this unique and specialized niche’ of opportunity. Launched in 2012 by entrepreneur / real estate investor Gene Guarino, Residential Assisted Living Academy TM has trained hundreds of investors, business owners and entrepreneurs in this new and exciting field of opportunity.

With 77 million Baby Boomers preparing to retire over the next several decades, residential assisted living is a comfortable “home-style” alternative to institutional living such as a nursing home. This “silver tsunami” mega-trend makes for a huge financial opportunity for those prepared to position themselves for success.

In 2021, when Gene Guarino passed away his daughter and heir Isabelle Guarino stepped up to take the company to the next level. She is carrying on Gene’s legacy and leaving a mark on this senior housing industry by helping students open one RAL at a time.

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ABOUT OUR REALTY411 VIP NETWORK:

Investors, be sure to join us online for this Realty411 VIP Network Event and gain access to wonderful REI education, off-market property strategies, plus savings with major retail brands across the nation.

In addition, you’ll be invited to our private social media platforms to connect with other Realty411 members and readers. Members will also receive a print magazine mailed to them as well.

Join us for our VIRTUAL VIP Network Member’s Meeting to become a member of our national investing network. Each VIRTUAL meeting with feature a special speaker, plus members will have the opportunity to chat, ask questions anonymously or even join us on video to ask questions directly.

Our goal is to make a fantastic online and offline environment where learning and growing are key. We hope to assist as many estate investors as possible on their journey towards success.

For this special online session, we will focus on owning and operating your own Residential Assisted Living home and why every investor should consider this business option.

Website: https://Realty411.com