All Forum Posts by: Luther Wilson III

Combining good financing with private capital, using a real estate investment model that’ll pay more consistently and stand the test of time.

Here’s what you can expect working with me. My clients and partners receive these outcomes, when the plan is followed:

Safe placements into secure investments

Emphasis on stable residential real estate

More seamless acquisition process

Achieve revenue within 3-6 months

Greater productivity and reduced management costs

Monthly or quarterly cash flow well into the future

Continuous support to improve time & money efficiency

Higher returns over the long haul

🔑 As a real estate investor, finding the right property is just part of the battle. The other part? Securing the financing to make that investment a reality.
In today’s fast-paced market, having your capital lined up before you even start your search isn't just smart—it's crucial. Here's why:

1. Speed & Confidence in a Competitive Market
The real estate market moves quickly. Without financing in place, you risk losing out to other investors who can make offers with confidence. By securing your capital ahead of time, you can act fast when the perfect property comes your way, negotiate better deals, and close quickly—often a deciding factor for sellers.

2. Strategic Planning & Better Deals
When you know your financing options upfront, you can plan strategically. Whether you’re aiming for a cash flow property, a value-add project, or a long-term hold, understanding your financial limits and opportunities allows you to target properties that fit your investment model. This strategic approach often leads to better deals and more profitable outcomes.

3. Flexibility to Navigate Unexpected Opportunities
Real estate investing is full of surprises—sometimes good, sometimes challenging. Having capital or financing lined up gives you the flexibility to pivot quickly. Whether a property needs unexpected renovations or an unlisted gem hits the market, being financially prepared means you're ready to seize opportunities as they arise.

Common Loan Types for Today's Investors
In the new economy, traditional loans are no longer the only game in town. Here are two of the most common loan types that real estate investors are leveraging today:

🔹 Non-QM Loans (Non-Qualified Mortgages)
- What They Are: Non-QM loans are designed for investors who don't fit the strict criteria of conventional loans, such as self-employed individuals or those with complex income streams.
- Benefits: These loans offer more flexibility in terms of income documentation, credit scores, and property types. They are ideal for investors looking to scale quickly or those who might not qualify for traditional financing.

🔹 Purchase/Renovation Loans
- What They Are: These loans provide the funds not only for purchasing a property but also for the renovations needed to add value and increase equity.
- Benefits: Ideal for fix-and-flip or buy-and-hold investors, these loans can cover up to 100% of renovation costs, allowing you to transform properties and increase your returns with less out-of-pocket expense.

Conclusion: Be Prepared, Be Profitable
By securing your capital or financing early, you position yourself to take advantage of opportunities with speed and confidence. Understanding the range of loan products available to you, like Non-QM and Purchase/Renovation loans, equips you to tailor your investment strategy to today's market conditions.

🔗 Ready to get started? Contact me today, explore your financing options & prepare for your next great investment.

One of my specialties is helping investors maximize their portfolios through innovative financing strategies. Whether you're a seasoned investor or new to the game, understanding seller financing can open doors to opportunities that traditional financing might not offer. In this YouTube video I dive into some of the nuances of seller financing, offering valuable insights and practical tips for investors and property owners alike.

With years of experience and a deep understanding of creative financing, my associates and I are dedicated to guiding investors through the intricacies of real estate transactions. We believe that the most successful investors are those who leverage creative strategies like seller financing to achieve their long-term financial goals, regardless of market conditions.

Plug in so you can learn more about how you can invest in real estate and grow your portfolio. If you would you like to figure out how you can create more residual income, i.e. cash flow from investments or private funding then connect with me on LinkedIn, Instagram, and Facebook as well.

Check out my latest YouTube video:  

 In it I talk about where I see some solid opportunities for buy & hold investments in the Kansas City market. Here are notes from the video:

Over the last couple years real estate practitioners have had to adapt in order to stay relevant and active. In this video I talk about what is now my main focus as a real estate professional. I have learned a ton from clients, mentors, business partners and colleagues over the years. Where we have experienced the best success is with buy & hold and cash flow investments that are held for years.

A very large portion of these have been single-family homes in what may be considered "B-class" locations. I dig deeper into 3 ways that investors can place capital or purchase these types of investment properties in the Kansas City area today:

1. Fixer uppers - value add / BRRR
2. Notes - seller financed - performing / non-confirming
3. Move-in-ready - livable / turnkey

This is where we see solid opportunities, right here in the Kansas City market. The biggest being way #3.

Are renovation projects or fix & flip properties worth it in the long run for investors in today's economy? They may be okay for those who are skilled in construction or project management. How about repeatedly, over an extended period of time, though? Maybe. But for the everyday part-time investor? Maybe not.

Figuring out how to efficiently utilize capital and financing for real estate investments is such a critical part of the business. Keys to this is knowing how much liquid capital is available to deploy, what are the terms of its usage, and how long the capital may be tied up. Understanding this, up front, determines how we can place or invest that capital.

Having a sound game plan and a proven investment model is a biggie, too. One way to make the whole process more effective is to partner or work with seasoned operators and practitioners with experience in the space.

Plug in so you can learn more about how you can invest in real estate and grow your portfolio. If you would you like to figure out how you can create more residual income, i.e. cash flow from investments or private funding then connect with me on LinkedIn, Instagram, and Facebook as well.

🚀 Unlock Your Real Estate Potential with Upside Capital! 🏡

Are you a real estate investor looking to take your game to the next level? At Upside Capital, we specialize in helping investors secure the capital they need for purchases, refinancing, and renovation projects. 💰

💡 Why Access to Capital is Crucial:

1. Leverage Financing: Use borrowed capital to multiply your returns.
2. Maintain Reserves: Keep extra funds on hand for unexpected expenses and opportunities.
3. Stay Prepared: "Keep your powder dry" and ensure you're ready for any market shift or emergency.

Collaborate with us and gain access to the resources you need to grow your portfolio and succeed in any market condition.

🔑 Why Choose Upside Capital?

• Expert guidance on sourcing and securing funds
• Flexible financing solutions tailored to your needs
• Dedicated support from a team that understands the real estate landscape

💬 Ready to elevate your investment strategy? Contact us today and let's make your next deal a reality! 📈

It’s been a little over one year since I officially launched my real estate brokerage. Believe it or not I’d started the company two years prior and wasn’t sure what I was going to do with it.

At the time I was investing, had just gotten back into property management, was doing renovation oversight, consulting and realtor-ing. I knew it was time for a change.  So, I went ahead and made Upside Property Services an official real estate sales brokerage and here we are today.

It’s just me for now. I’m a licensed real estate broker for Kansas and Missouri. I’m not your typical realtor and don’t do much of the traditional owner occupant resale action but I might if you’re sweet and you twist my arm just right.

Working with real estate investors and investing with partners is my main thing. Most of our success has come from buying and holding property for years so that’s what I focus on.

Keep me in mind if you’re currently investing, considering investing, or needing to source decent financing for an investment property. Seems like most of my time as a real estate practitioner lately is spent doing seller finance transactions and advising investors on how to structure deals and more effectively use financing along with their capital.

I like drinking coffee and I like to eat so if you ever want to meet up, do that, and talk about real estate, give me a buzz!  That’s all for now.  Stay blessed, y’all.

Our latest owner finance home.  This one is currently up for grabs!

What an opportunity for someone or a family to purchase a home.  With no bank qualifying or stringent application process you can own this home!

XXXX Indiana Ave, Kansas City, MO 64132

Description: 2 bed/1 bath, 728 sq ft - "move-in ready"

Features: New LVP flooring, New exterior front door, New exterior security door, Washer and Dryer included

Central air/heat, personal drive-way that can fit multiple cars, quiet neighborhood. 

No garage; house sets on a crawlspace.

Purchase Price: $105,000

Down Payment: $15,000

Term: 25 year, fixed rate, fully amortized, contract for deed

Interest Rate: 9.99%

**Monthly Payment (PITI): approx. $969.34

Contact me for me information. Serious inquiries only, please! Buyer agents welcome.

So as some of you know, besides assisting investors with seller finance transactions, mostly for cash flow, buy & hold, single-family home investments, I also help investors with financing for their purchases, renovations and refinancing.

About five years ago, after a business partner and I began to seek out & utilize different types of funding for our real estate investments, I became extremely intrigued and fascinated by that world. That is, in the area of real estate finance, private equity, and funding for property investors. What I came to realize is how critical these aspects of the business are for investors. Especially for those who want to acquire and keep properties for the long term.

As my business partner and I began to leverage his capital along with different types of financing in order to grow our portfolio, I began to see even more gaps and flaws in the real estate investment industry. While submitting applications, waiting for things to be processed, getting ghosted, being "cleared to close", dealing with renovation draw processes, not remembering the fine print, rebutting appraisal values, and so on, my eyes widened. It inspired me tremendously and sort of pissed me off. So much so that I chose to make it part of my career.

You see, I had worked with investors for years as a realtor, connector, renovation overseer, property manager, and order-taker but I wasn't really sure what was happening behind the scenes with the organizations, funding, financing, positioning, liquidity, etc. From time to time a client might allude to how they had made or sourced their capital or how they had been collaborating with others, however, time permitted them to reveal only so much.

It was not until I had gone further into the depths of the real estate investing worlding alongside some trusted partners and clients that things become more illuminated. Since then I have attempted to encourage and educate more people about the reality of real estate investing while emphasizing the importance of sourcing, securing & utilizing capital and debt in a manner that can work more efficiently and, ideally, for the long run.

Over the last year my colleagues and I have been able to successfully do so, helping a number of investors through some rather sticky situations, at the same time continuing to grow our portfolios. And now, we press on, continuing to spread the word.

When it comes to real estate financing and investing, keep us in mind. Not only are we assisting investors with funding, we're able to strategize with them as they use different investment models so they can continue to generate revenue and grow their investing businesses.

The engagement was strong for the post last week regarding a property I believe would make a great long-term investment. We hadn’t even gotten to the juicy part yet!

It’s a single-family home in the Kansas City area, and I gave an example of what some of the numbers could look like for a purchase using traditional investor financing with 25% down.

6205 Northern Ave, Raytown, MO 64133
MLS #: 2496940
Listing courtesy of Rodrigo Pulido - Chartwell Realty LLC

Listed at $199,000 it is now under contract. Houses in the KC market are still being sold rather quickly and remain close to 100% of list price.

So for this particular investment model we buy house that are livable, and we use long term financing or cash. Then we offer seller financing to families helping to create more home ownership, generate cash flow and eliminate a majority of the main pain points rental owners experience.

If you recall this example, I proposed we do a lease option for a $5,000 upfront fee, the cash flow was close to $400 a month and the cash-on-cash return around 7%. Well, it gets better.

No one asked what the long-term exit is like or about the dynamics of the lease option agreement. Tsk, tsk.

On this one we'd do a lease with a 10-year option to buy. We’re going to use 5% a year appreciation as a general figure and in that case the amount needed to exercise the purchase is $300,000.

Refer to the last post and run #’s. If the property was purchased at list price with 25% down using a 30-year, fixed-rate, non-QM mortgage @ 8% interest the current loan amount is just under $150,000.

Here’s where more fun happens. Let’s say our lease option residents stay, take care of the home, consistently pay on time with just a few late payments along the way, and then choose to exercise their option at year 8. At this point our existing mortgage balance is around $136,000.

The house appraises for $290,000 we negotiate a bit, and get it done. Even with closing costs & commissions at 8% of the sales price along with some concessions we're left with $261,000. Subtract out our existing mortgage and we walk away with $125,000. Check the numbers and you will see a cash-on-cash ROI legitimately well above the 20% mark.

Not only were we able to cash flow on this investment for 8 years, but we did it without all the same struggles that all landlords have. Plus, we helped a family get into a home that they can truly call theirs. Not to mention we still enjoyed plenty of tax benefits.

Plug in with me, fam. This is the stuff I’ve been talking about lately. Kudos to John Burley & associates for showing us a more efficient & sustainable way to invest in real estate and encouraging us to keep learning.

You may need more info or want to dig in a bit. We’re here making it go. The market has shifted and more investors are waking up. Send a message or reach out if you want to learn more about how you can adjust & continue to expand your real estate business.

That’s what I’m sayin’, @Alex Olson.  Folks ought to see what the returns are like once the big back end gets paid out.  :)