124: Commercial Real Estate 101 with Jonathan Hayek

Most teachers assume real estate investing is out of reach—especially commercial deals. What if that’s not true?In this episode of the Teacher Money Show, I talk with Jonathan Hayek, a former special education teacher who turned his $54,000 salary into a pathway to financial freedom through real estate investing.We break down how he went from flipping houses to owning small multifamily properties—and eventually transitioning into commercial real estate investing for more passive income and less management.If you’ve ever wondered whether real estate could actually work for teachers, this episode gives you a clear, practical look at what it takes.Why this matters for teachersMost teachers feel stuck financially because they rely on salary alone. Jonathan’s story shows what’s possible when you start thinking differently about income, assets, and long-term wealth building—even on a teacher’s paycheck.In this episode, we cover:• How Jonathan replaced his teaching income with real estate in 18 months• The difference between residential and commercial real estate investing• Why small commercial deals (even $150K–$200K) are more accessible than people think• How triple net leases create passive income with minimal management• The real risks of single-tenant properties—and how to mitigate them• Why starting small is critical (and why most beginners get this wrong)• Key numbers to evaluate deals (cash flow, below-market rent, location)• How commercial financing works (down payments, balloon payments, refinancing)• Whether teachers should start with residential or go straight to commercial• The reality of balancing teaching, side hustles, and real estate investing• Why due diligence matters more than managing problems laterBig takeawayReal estate isn’t about chasing the biggest deal—it’s about building systems that create freedom over time. When you understand the numbers and start small, you can create options that a teaching salary alone won’t provide.Links:Show notes: https://teachermoneyshow.com/show124Coaching: https://teachermoneyshow.com/coachingSpeaking: https://teachermoneyshow.com/speakingIf this episode helped you think differently about money, subscribe, leave a review, and share it with a teacher who needs to hear this.#personalfinanceforteachers #realestateinvesting #teacherinvesting #passiveincome #commercialrealestate #debtfreejourney #financialindependence