Real Estate Note Investing... Safe, Profitable, or Too Risky?

Start making passive income here: https://bit.ly/4kaX4O1  If you've been wondering what the best investment is in today’s market especially in a world of uncertainty, market volatility, and failed syndications this episode is for you. I sat down with Heather Dreves, Director at Central Lending, to talk about one of the most underutilized (yet powerful) wealth-building strategies out there: investing in debt. We’re not talking about going into debt. We’re talking about investing like the bank backed by collateral, with predictable monthly returns, and with far less exposure to the kind of turbulence that equity investors have faced over the last few years. Heather brings nearly two decades of experience and has helped manage over $300 million in this space. She breaks down the exact mechanics of how debt investments work, why they’re outperforming many traditional vehicles right now, and how investors (including those who aren’t accredited) can get started with either individual notes or a debt fund. We also go deep into: - Why debt investors get paid first (and what that means during a downturn) - How private lending differs from banks and why it’s more secure for investors - What “first lien position” really means for your money - What happens when a borrower stops paying (hint: you still win) - Why loan-to-value (LTV) matters more than interest rate - The difference between passive investors in debt funds and hands-on promissory note buyers - How Central Lending is underwriting deals more conservatively than institutional lenders This episode is perfect for you if: - You’ve experienced losses in syndications or real estate deals and want a safer alternative - You’re sitting on capital from the sale of a business or practice and want stable cashflow - You’re looking for double-digit returns backed by real assets - You’re just tired of the Wall Street rollercoaster and want predictability Whether you’re an accredited investor with $100K to place, or you’re just starting with $40–50K and want to learn the ropes of individual notes, Heather breaks it all down with clarity, transparency, and integrity. This is the kind of conversation that will shift your entire mindset about investing. 🎧 Listen now and learn why debt investing might be the smartest place to put your money right now. Heather's Links: - LinkedIn: https://www.linkedin.com/in/heather-dreves/  - Facebook: https://www.facebook.com/share/1EtWiEi6pk/?mibextid=wwXIfr 

Om Podcasten

Are you tired of working harder just to see your money go out the door faster? Do you dream of achieving financial independence, retiring early, and finally living life on your terms—without cutting corners or sacrificing your lifestyle? Welcome to the Money Ripples Podcast, hosted by Cash Flow Expert and Anti-Financial Advisor, Chris Miles. This show is your no-nonsense roadmap to escaping the rat race, creating sustainable passive income, and building wealth that lasts for generations. Every Wednesday and Friday, Chris delivers straight-shooting episodes packed with strategies and insights you won’t hear from traditional financial advisors. With over a decade of experience helping clients generate real cash flow from real assets, Chris pulls back the curtain on how to make your money work harder for you—so you don’t have to work so hard for your money. What You’ll Discover: How to Create Passive Income Without Risky Gambles Learn proven strategies that allow you to safely generate recurring cash flow from real estate, business investments, and alternative income streams. Infinite Banking Strategies (Without the Confusion) Discover how to leverage the power of infinite banking using whole life insurance to grow your wealth tax-free, protect your capital, and fund your own retirement—all while keeping full control of your money. How to Retire Early (Even in an Unstable Economy) Tired of waiting until you're 65+ to enjoy your life? Chris shares how to build your own path to early retirement, even if the stock market is shaky, taxes are rising, or inflation is creeping in. The Truth About Financial Freedom Cut through the hype and learn what real financial freedom looks like—and how everyday people (just like you) are achieving it through smarter cash flow decisions and better stewardship. Wealth Mindset + Money Stewardship Financial independence isn't just about making more—it's about managing it wisely. Learn how to become a better steward of your wealth with practical mindset shifts that align with your values and legacy goals. Why Listen to Money Ripples? Chris Miles isn’t your typical financial advisor. After losing everything by following traditional advice, he rebuilt his wealth by doing the opposite of what Wall Street tells you. Since then, he’s helped hundreds of entrepreneurs, investors, and everyday families create six and even seven figures in passive income—all without living below their means or relying on risky investments. With a focus on cash flow over accumulation, Chris offers real solutions for those who want more freedom, less stress, and a faster path to retirement. Whether you’re just starting your journey toward financial independence or looking to optimize your existing wealth-building strategy, this podcast is your trusted companion. Each Friday, tune in for inspiring interviews with top financial minds, business owners, and investors who are walking the talk. These conversations are raw, insightful, and often surprising—designed to give you ideas you can apply right away. Start Your Journey to Financial Freedom Today The Money Ripples Podcast has been downloaded millions of times and featured in major media for a reason—it delivers results. If you're ready to break free from financial mediocrity and create a life of abundance, hit that Subscribe button and start listening today. New episodes drop every Wednesday and Friday. Your work-optional life is closer than you think.