Investing

Real estate investing starts with the numbers.

Good investments aren't found by chasing deals. They're found by understanding the numbers.

Expert strategic guidance from your real estate investment advisor on residential investment acquisitions and portfolio building. Let's build your portfolio with long-term wealth in mind.

No hype about passive income, and no promises of returns. Just a clear-eyed look at every number that matters, before you commit to anything.

What I look at before you make an offer.

Purchase Price

What it should cost, not just what the listing says.

Comparable Sales

What similar properties actually sold for, and how recently.

Renovation Needs

What the property needs now, what that costs, and what it adds.

Rental Potential

Realistic rent, not the optimistic number.

Cash Flow

What is left each month after every real expense.

Risk

Insurance, vacancy, condition, regulations, and what happens if the plan slips.

Exit Strategy

How you get out, decided before you get in.

Long-Term Value

Where the area and the property are headed beyond year one.

Choose Your Market

Two states, two sets of numbers.

Invest in Illinois

Property taxes, local rental rules and the age of the housing stock all shape the numbers. We work through each before you buy.

Invest in Illinois →

Invest in Florida

Insurance costs, flood zones, rental and renovation rules, and seasonal demand all shape the numbers. We work through each before you buy.

Invest in Florida →

Your strategy, your stage.

Buy-and-Hold Rentals

Long-term rentals chosen for steady demand, sensible numbers and a property you can actually manage.

Value-Add and Fix-and-Flip

Properties where the right improvements create value, with the renovation budget and exit plan set before you buy.

Short-Term and Vacation Rentals

Short-term and vacation rentals where zoning and local ordinances allow them, with insurance and demand checked first.

First-time investors

I walk you through the numbers and the process, so your first deal is one you understand completely.

Experienced portfolio builders

A second set of eyes on acquisitions, and a steady partner as you add to your portfolio.

Out-of-state investors

Local expertise in Illinois and Florida, with trusted contractors and partners for the hands-on work.

Homeowners turning a home into a rental

A candid look at whether keeping your home as a rental makes sense, and what it would really take.

Run the Numbers

A rental analysis you can trust.

Enter a property and see Year 1 and a 10-year outlook, with the costs that are easy to forget already built in. When you find one worth a serious look, I'll run the full analysis with you.

Advanced assumptions

These defaults are conservative starting points, not predictions. Adjust them to match your market and how you operate.

Estimated monthly cash flow, Year 1 $0
Total cash invested
$0
Mortgage payment (principal and interest)
$0
Net operating income
$0
Annual cash flow
$0
Cap rate (on ARV)
0%
Cash-on-cash return
0%
Debt coverage ratio
0
Rent needed to break even
$0

10-year outlook

Projected total profit$0
Annualized return (IRR)0%
Equity multiple0x

Where the return comes from

Cash flow, cumulative
$0
Mortgage principal paid down
$0
Appreciation
$0
Value added by rehab (ARV vs. price plus rehab)
$0
Closing, carrying and selling costs
$0
Projected total profit
$0

What if appreciation is different?

Annual appreciationTotal profitIRR

Same inputs, same sale year. Only appreciation changes.

YearNet cash flowCumulative cash flowProperty valueLoan balanceEquity

For illustration only. Results depend entirely on the numbers you enter and are not a prediction, a guarantee, or financial, tax or legal advice. Not included: income taxes and depreciation, loan fees or points, leasing fees, utilities, and any costs beyond those listed. Consult your CPA for tax strategy.

Talk to Steve about a property

Let's look at the numbers together.

Talk to Steve