Author: Vena Jones-Cox (2 articles found) - Clear Search

One of the most impactful and lasting learnings I’ve ever had could be summarized as “Vision First.” I bet you find the same thing.



When I first got started, I went through the whole “I wanna do it all!” phase that a lot of new investors do. Every new strategy I learned about was exciting, and they all looked so profitable, and I had big goals about money and lifestyle that absolutely DROVE me to buy all the courses, do all the things, and become a tycoon as soon as possible, leave nothing on the table in the way of opportunities.


Where did that land me?


Working 18 hours a day 7 days a week.


Doing a lot of things that didn’t really “fit” me. Like rehabs. Which were profitable but didn’t really fit with my ‘details are hard’ brain.

Stressed out.


Ultimately divorced.


Yes, I made a lot of money, but I had no life.

And I’d love to say that once I homed in on the strategies I liked and was good at, figuring out how to spend my

The Most Important Thing You Will Ever Read About Being a Private Lender

Real Estate Investors Association of Greater Cincinnati



Note: laws and regulations regarding the advertising, registering, and formalization of private loans vary enormously state-to-state. Generally, these rules apply to the borrower rather than the lender, but even lenders should be aware of what the laws in your state say about these transactions. Of course, this article is not intended as legal, accounting, or other professional advice. Always consult with your legal, accounting, or other professional before making any investment.  Further, nothing in this article should be construed as an offering or solicitation of a security.

Private lending is a strategy in which even moderate-income investors can easily get involved.

There are plenty of real estate entrepreneurs and rehabbers who want to borrow your money; if you let it be known you have as little as $20,000 to lend in most markets, someone will be right there ready to put that cash to work.

If all goes as it’s supposed to, it’s a truly hand-off investment; you just sit back and collect checks. And the return is oh-so-much-better than other fixed-rate investments; you can expect to average around 6-8% per year total (because higher rate loans are generally also shorter term; when you loan money to a rehabber