How Much We Pay Our Investors & How We Use Investor Money To Fund Property Deals 🏠
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- čas přidán 18. 05. 2024
- In this video, I run you through how we have raised investment money to grow our portfolio and how we pay our angel investors their interest out of our cash flow.
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👇ABOUT US
We are Lia and AK, and we're excited to share our journey with you as we navigate the world of property investing, business, and working together as a couple.
AK: I left my corporate job after experiencing mental and physical health issues, and we started our CZcams channel to document our journey as new property investors in 2019 with no upfront capital. Expect weekly videos where we provide project updates, share best practices, money-saving tips, and our learnings along the way.
Lia: With nearly a decade of experience building my own entertainment channel on CZcams from 0 to over 330k followers, the unpredictable nature of a content creator's monthly income took a toll on my mental health. Starting my property journey was my way of future-proofing my income and creating a stable, regular source of revenue. Ultimately, my goal is to build a secure financial foundation for our future family.
Our goal is to make property investing accessible and understandable by sharing our story. We're passionate about inspiring others to take control of their lives, no matter what challenges they may face.
Join us on our journey to achieve a better work-life balance through property investing. We're committed to sharing our experiences, tips, and insights to help you on your own journey.
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You do an excellent job making these videos, Lia! I hope things continue to go well for you and AK, and your investors. All the best! Auntie Jean xo
I'd like to hear more about money raising! Can AK do a video? Also curious to invest one day
With interest rates where there are today i.e +5%, how does your investment still attract investors?
All the Best!
Love how open you are with every aspect for your business. Glad to see you thriving
I love how you explain everything in understandable terms.
So interesting, Lia, and so well-explained.
You are both so creative in your property projects. I wish the best for the both of you.😊❤
Very transparent, good luck with the future.
This was really informative & encouraging to anyone wanting to get into investing in property..! Cheers.!!
Love it Lia, interesting look into your processes, and you were lovely as always 😃 26 centigrade here in Silicon Valley right now, at 1746...AC is needed in California! I have it running 🙂
Thank you so so much for being open and transparent and putting this info out there! I recently got approached by a company who does what you do, trying to sell me on their “property mentorship course” and these were the questions I had about private financing but they wouldn’t give me an answer in hopes that I would pay up first. You have answered all my questions and more and it’s an immediate subscribe and “I would invest with them” for me! Gatekeeping is not helpful. The more knowledge people get, the easier is it to choose the right property strategy. Thank you once again!
Wow, thanks for your comment, i'm glad it was helpful and well done you for doing due diligence before signing up to anything. Speak soon, ^Lia.
A video on the tax implications of investing with you would be beneficial.
Sure thing. I can run through that in another video, there’s a few things to consider. Thanks for the comment
I absolutely love your videos. It would be great to hear how you get investors on board. 👍🏽
I like it when you explain these things. 😊
I'm glad!
Great video !!. And I’m act quite interested in what courses/training you both did before you started as allot of scams out there and would love sone recommendations.
You both are so smart. So happy for you that everything is progressing, and your portfolio is growing. It's awesome that you are focused on making everyone money and not just the me, me, me concept that so many people seem to utilize. Congratulations
Thanks for your continued support and comments 💙
Brilliant video, I also really like the look of the spreadsheet used. Am I able to get a copy please?
So nice to see your lovely face and hear your beautiful voice explaining these things, Lia. I like to go check to see if your personal page has any updates, but I'll settle for these on the meantime. And by the way, I would totally invest after watching this, if I were to have the " money sitting around in an account. " I'm currently in a mad shift, looking for alternative employment after some injuries and setbacks. Here's to it in the future.
Would love to know how to rise money and who to reach out to. Xx
Could you pls explain about the taxes? Thank you 🙏
Lia did you ever introduce AK to the joys of peanut butter and jelly sandwiches? (well jam as the British call it)? I saw an ancient Joel and Lia video where you tried those....the ideal thing is peanut butter based on roasted peanuts though! Like "Jif" brand or "Skippy" brand here in USA. (I prefer skippy because I grew up with that but both are good). And ideal jelly is "Welch's Concord Grape Jelly". Should wash it down with milk! In fact, that's really the only time I drink non-flavored milk these days, is if I'm eating PB&J sandwiches 🙂
Also Grilled Cheese, you should look that up....a lot of people use the Kraft cheese slices but those are really poor quality cheese imho. Get some pepper jack from Sargento....Pepper Jack was developed in (what would later become) Monterey, California, by Christian monks. Good stuff 🙂
Hi Leah, any chance you can share a generic contract for investors?
Hi Lia, another excellent video! I have a couple of questions - 2:54 does this investor get £750/month plus at some point all of their £150k back out?
And how much roughly could someone expect to pay for a legal contract to be drawn up with an investor?
Many thanks as always! 😊
Of course they get their 150k back out. At the time we signed with them, they fixed their 150k for 3 years. The £750 a month interest only stops when they get their £150k back.
Legals can vary. The last time our solicitor signed and witnessed our heads of terms agreement between us and the investor it cost £300 plus VAT. If they write up the contract from scratch it’s more
@@PropertyCouple thanks so much for your response ⭐ look forward to watching more of your content 😀
Could you explain about the taxes please and if people are investing would they have to pay tax etc
Looks like a lot of questions on tax. I can run through that in another video, there’s a few things to consider. Thanks for the comment
I am happy to get a loan at 8% p.a for over a 2 years period upto 100k
Please fill out the form in the description box if you’d like to discuss.
From my perspective, this highlights the importance of having a competitive advantage as investors. Merely mirroring the market strategies of others is insufficient in achieving optimal results. I am currently grappling with the decision to invest in the current market, as it presents both uncertainty and opportunity. Could you share your insights on this matter?
Indeed, the recent market downturn serves as evidence that a vast majority of individuals lacked a sufficient understanding of the underlying financial dynamics at play.
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumours and here-says, got the best of me 2020 and had me holding worthless position in the market, I had to revamp my entire portfolio through the aid of an advisor, before I started seeing any significant results happens in my portfolio, been using the same advisor and I’ve scaled up $450k within 2 years, whether a bullish or down market, both makes for good profit, it all depends on where you’re looking.
Can you leave in details about your investment advisor here? I’m in dire need for one.
There are many financial coaches who excel in their profession, but for the time being, I employ Annette Marie Holt because I adore her methods. You can make research and find out more.
Thank you for this tip , I must say, Annette appears to be quite knowledgeable. After coming across her online page, I thoroughly went through her resume, and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.
You can 11/12% return owning mortgages so why hold an illiquid asset?
I like the way you both explain. How can i contact you two regarding investors
Please use the link for the form in the description.
@PropertyCouple , I'm looking for investors, could you help I'm, based in Birmingham
@PropertyCouple , I'm not looking to invest, but I'm looking for investors, if you can help
Hi Lia, Just curious... do you have investors outside of the UK? Would there be complications with any regulations financing with foreign investors (i.e. USA).
We did work with one person outside the UK yes. Wasn’t complicated to be honest, we agreed to pay the exchange fees.
Do you offer your investors a share of the property along with the money loaned or is it simply a loan agreement? In other words if your business goes bankrupt The investor is exposed but if he owns a piece of your asset then it's more security and more interesting, either way though it will be good to know
What protection do investors have if the company goes under or you disappear to South America? Are you regulated by a financial authority?
There are a couple of mechanisms we utilise for security depending on the investors preferences.
How do you handle foreign investors
Pretty much the same way. We just take into account the conversion costs.
That's not interest, that's fixed return if it's an investment, unless they've given you a loan?
Also, what's the exit? Is it you give the principal amount back or the recent share rate of the property.
Yes it’s a business loan. They don’t own any of the assets.
Whats the minimum amount required to start with u guys?
You can email me
lia@propertycouple.co.uk and we can discuss!
How do we meet?
Please use the contact form in the description
If someone is prepared to lend you £150K in exchange for £750 a month, when interest rates are at 5% in savings accounts, they need to see a psychiatrist. Why would I deprive myself of £150K, to lend it to you for £750, when I could get about £450 a month from my bank in interest and keep my £150K? This also appears to be a business loan, so I do not have any ownership of the property acquired. Either your very good at finding naive/ignorant investors or I'm missing something?
They do keep their 150k and get £750 rather than £450. Better returns than a bank.
Wow! Such a losers' game. All that work for so little money. Anybody thinking of doing this must simply not have any other way of making money. Also, I simply do not believe that in a high inflation environment they were able to convince some shmuck to lend them 60 grand for a measly 5% return over a year. That person would need their head looking at, given the risk-reward ratio.
It’s hard work and it’s not for everyone. You won’t get far if you’re lazy and not willing to put in the work. Having multiple income streams is absolutely the way.
@@PropertyCouple I don't recommend this sort of high-risk, low-reward property investing, where there's a lot of work involved. You can get burned and it's not worth it, at least in my experience. And I certainly don't think you should be doing it by risking other people's money in return for just 5%. I'd ask for at least 15-20% a year for that, just because of the risk. I've seen so many people lose their money like this. A bond fund will pay them 5% with nearly zero risk, so why on earth they'd hand over their money for this high-risk venture for just 5%, i.e. less than the rate of inflation, I don't know.