Beginner Real Estate Investing Tips for Latinas | Real Estate Chisme

Send us Fan MailWhat if the reason your property manager keeps dropping the ball isn't incompetence—but a business model that actually profits from tenant turnover?In this episode, Lindsay sits down with Violeta in San Antonio, joined by special guests Dion and Chelsea (of Dion Talks Financial Freedom), for an impromptu, no-holds-barred conversation about the messier side of real estate investing. The episode kicks off with Violeta explaining why she just fired her property manager after months of red flags—unexplained charges, tenants calling her directly to complain, and issues that never got resolved despite repeated follow-ups.Dion breaks down why most property managers' incentives are misaligned with landlords from day one, explaining that many earn a full month's rent on tenant placement, meaning turnover is actually profitable for them even though it costs the property owner time and money. He shares practical strategies for pushing back, including comparing your rents to area averages and asking your property manager to justify why your rents are below market instead of just accepting whatever they set.The conversation moves into tenant relationships and the "good cop, bad cop" strategy Dion and Chelsea use to maintain boundaries without damaging rapport, plus why building a real relationship with tenants leads to lower turnover and fewer surprises. Chelsea shares her experience navigating four evictions—including a squatter with a gun—and the lessons learned about screening, leases, and staying firm without losing empathy.They also dig into why Dion targets very specific property types (side-by-side units, washer/dryer hookups, pet-friendly fenced yards) to minimize turnover, even if it means accepting a lower return than "maximum rent" strategies. Dion and Chelsea openly debate their differing philosophies—hers focused on maximizing rents, his focus on stability—and how that shows up in very different eviction histories.The group shifts into a broader conversation about navigating new real estate markets, as both Violeta and Dion/Chelsea recently relocated to San Antonio from California and Washington. They talk candidly about why moving to a new market means starting over on due diligence regardless of experience level, and why competitive markets require being ready to act fast on good deals.Finally, the conversation turns to the truth about LLCs—including why an LLC often provides zero real asset protection, makes refinancing harder, and increases insurance costs, and why new investors should be cautious before falling into the trap of paying for an LLC before they even own a property.This episode is a real, unfiltered look at the operational side of real estate that doesn't always make it into the highlight reel—property management headaches, evictions, market research, and separating the products people sell you from what actually protects your investments.Links Mentioned:Free Latinas in Real Estate Community:https://www.skool.com/real-estate-jefas-9075/aboutFollow Dion: Dion Talks Financial Freedom on Skool and YouTubeSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if your first real estate investment wasn't even in the country you live in—and it ended up teaching you everything you needed to know to build a multi-million dollar portfolio?In this episode, Violeta and Lindsay sit down with Ingrid Morales, a first-gen Latina who built financial freedom from the ground up through real estate investing. Ingrid shares how her journey started not with a plan, but with a library book called "Real Estate Riches" and a friend's simple request to run the numbers on an Airbnb property in Mexico. That analysis turned into her own first investment, and unknowingly, the beginning of her real estate career.Throughout the conversation, Ingrid opens up about the reality of investing internationally before you're ready, including the hard lesson that no US lending institution would let her pull equity from her property in Mexico, forcing her to start over from scratch. She talks candidly about what it felt like to have "nothing to show" despite owning an income-producing property, and how that setback pushed her to get serious about education, mentorship, and building a team instead of trying to do everything alone.Violeta, Lindsay, and Ingrid dig into why being willing to be the "dumbest person in the room" is one of the most valuable things you can do as a new investor, especially as first-gen Latinas navigating spaces we weren't necessarily raised in. Ingrid shares how attending real estate meetups, networking relentlessly, and being upfront about what she didn't know eventually led to something bigger: people started bringing deals to her, instead of her having to go find them.They also break down Ingrid's shift from single-family investing to multifamily and commercial real estate, and why she believes starting with multifamily, despite the higher barrier to entry, allows for far greater scalability than buying one property at a time. Ingrid explains how her strategy has since evolved again, moving toward partnering on deals and private money lending, and the trust, track record, and risk tolerance required to get there.One of the most personal parts of the conversation centers on Ingrid's "why": building a retirement fund and paying off her mother's house, all funded by cash flow from her real estate portfolio while she intentionally keeps her W-2 income low through a tax-sheltering strategy. She also shares how a spontaneous Instagram post turned into her financial freedom coaching business, Hustle With Ingrid, after 20 people DMed her wanting to learn what she knew.Violeta and Lindsay reflect on their own parallel journeys, from Violeta's own plans to start investing in Mexico to the reminder that every investor, no matter how experienced, is always going to be learning something new. This episode is a real, unfiltered look at what it actually takes to go from "I don't know what I'm doing" to building generational wealth for your family, one calculated risk at a time.Whether you're intimidated by your first deal, curious about investing outside the US, or wondering how to scale from single-family to multifamily, this episode is packed with real talk, encouragement, and a reminder that you don't need to have it all figured out to start—you just need to start.Links Mentioned:Free Latinas in Real Estate CommunityLearn more about Hustle With Ingrid (waitlist open now)Follow: Ingrid Morales_ on all platformsSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat happens when you’re sitting in one of the best buyers markets in years—and you decide not to buy another property?In this episode, Violeta and Lindsay have an honest conversation about what it really means to pause your real estate investing growth, especially when everything around you is telling you to keep buying. Lindsay shares why she decided at the beginning of the year to stop purchasing properties, even with favorable market conditions, and how a recent natural disaster in Gary, Indiana reinforced the importance of having financial reserves and understanding your personal risk tolerance.Throughout the conversation, they discuss what happens when unexpected events affect your rental properties, from severe storms and property damage to displaced tenants, power outages, and expensive repairs. Lindsay shares her experience navigating damage to multiple properties in her portfolio, while Violeta reflects on dealing with flooding at her own properties and the importance of having a reliable property management team and investor network when things go wrong.They also break down the role insurance plays in protecting your investment properties and why having insurance doesn't necessarily mean every repair or loss will be covered. Violeta and Lindsay discuss deductibles, different types of coverage, rental loss coverage, renter's insurance, and why investors need to understand exactly what their policies cover before disaster strikes.One of the biggest lessons from the conversation is the importance of having reserves beyond your HELOC, 401(k), or access to credit. Lindsay explains why constantly deploying every dollar of cash flow into the next deal can leave investors vulnerable when unexpected expenses arise. They also discuss how your approach to deductibles and insurance claims can change as your portfolio grows and you have more cash flow and reserves available to absorb smaller repairs yourself.Violeta and Lindsay then talk about what investors should do when a disaster actually happens, including checking on tenants, assessing property damage, working with property managers, contacting insurance, understanding FEMA resources, and determining which repairs need immediate attention. They emphasize that while you can prepare for many risks, you can't predict everything, and successful investors need to be prepared to become solution makers when unexpected problems arise.The conversation also challenges the idea that real estate investors always need to be growing. Violeta and Lindsay discuss why buying one property every quarter—or following someone else's investment timeline—may not be the right strategy for everyone. Your risk tolerance, financial cushion, portfolio size, cash flow, and personal circumstances should all play a role in deciding when to buy and when to pause.Whether you're building your first rental property, managing a growing portfolio, or wondering if it's okay to slow down your investing goals, this episode offers an honest look at the less glamorous side of real estate investing. Violeta and Lindsay share why stabilizing your portfolio can be just as important as acquiring the next property, and why knowing when to pause can ultimately help you build a stronger and more sustainable business.Before you rush into your next deal, tune in for a real-world conversation about risk tolerance, insurance, emergency reserves, natural disasters, property management, and knowing when it's time to stop buying and start protecting what you've already built.Links Mentioned:Free Latinas in Real Estate CommunityRisk Tolerance EpisodeHow to Calculate Cash Flow EpisodeSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailHow much money do you actually need to buy a rental property? This episode breaks down the real upfront cash needed to buy a rental property, and why social media examples like “buying a house for $10,000” can be misleading. Violeta and Lindsay compare house hacking versus straight investment purchases, then walk through down payments, closing costs, inspection costs, reserves, and repair buffers.In this episode, they also share practical ways to lower your out-of-pocket costs through negotiation, seller credits, and choosing the right deal in the right market. The goal is simple: help new investors set realistic expectations so they can plan, save, and buy with confidence.Key topicsChallenging the “$10,000 property” social media mythThe amount needed depends heavily on strategy, loan type, and whether you are a beginner or experienced investor.For owner-occupied purchases, they explain that down payments can be as low as 3.5% with FHAFor straight investment properties, they explain that lenders often want 20% to 25% down, and sometimes more, especially for inexperienced investors.They break down the typical costs beyond the down payment: closing costs, inspection, appraisal, reserves, and repair money.Violeta and LinDoesInvesting compare a house hack example versus a pure investment example on a $200,000 property and show how the total cash needed changes dramatically.In the house hack example, the estimated cash needed is about $28,000.In the investment property example, the estimated cash needed is about $55,200.LinDoesInvesting shares negotiation tactics, including targeting properties with higher days on market, asking for seller credits, and using inspection findings to reduce out-of-pocket costs.Violeta adds that understanding local rent prices, vacancy, and property history is key before making offers.Read more on the blog!https://moneychisme.com/how-much-money-do-you-need-for-a-rental-property/Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailHow a Respiratory Therapist Gained Financial Independence With Fix and Flips| Yenny AlfaroBuying your first investment property can be exciting—but what happens when your very first deal doesn't go as planned?In this episode of Real Estate Chisme, Violeta sits down with respiratory therapist, entrepreneur, and real estate investor Yenny Alfaro to discuss how she went from working hospital shifts to building wealth through fix-and-flip investing. Yenny shares the honest story behind her first flip, the costly mistakes she made, and how those lessons helped her achieve financial freedom without leaving the career she loves.From saving every extra dollar to fund her first investment to navigating contractors, hard money loans, and unexpected renovation costs, Yenny offers practical advice for anyone thinking about getting started in real estate. She also shares how investing has given her more time with her children and why she believes anyone willing to learn can build wealth through real estate.Whether you're dreaming about your first flip, considering rental properties, or simply looking for inspiration to take your first step, this conversation is filled with valuable lessons from someone who's been exactly where you are.In This Episode, We Discuss:Why Yenny decided to invest in real estate while keeping her full-time healthcare careerHow she saved enough money to fund her first fix-and-flip projectThe biggest mistakes she made on her first investment propertyWhat happened when a wholesaler overestimated the property's valueHow she overcame fear after realizing her first deal was much harder than expectedWhat to know before using hard money lenders to finance a flipWhy taking rehab funds may be smarter than paying renovation costs yourselfCommon renovation surprises, including foundation issues and termitesHow to avoid being taken advantage of by contractorsThe importance of studying your local market before buying a propertyWhy your first investment should be viewed as an education, not just a paydayHow Yenny balances motherhood, healthcare, and real estate investingWhat financial freedom looks like for her today—and why she still chooses to work as a respiratory therapistEncouragement and practical advice for Latinas who want to start investing in real estateLinks Mentioned: Join the  Latinas in Real Estate CommunityMore on the Blog!https://moneychisme.com/from-respiratory-therapist-to-real-estate-investor-yennys-journey/Connect with Yenny Alfaro:TikTok: @yenrealestateinvestorInstagram: @yenrealestateinvestorSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if you could buy your first rental property with as little as 3.5% down—and have your tenants help offset your mortgage?In this episode, Violeta and Lindsay break down one of the most accessible strategies for getting started in real estate investing: house hacking with an FHA loan. They explain what house hacking is, how FHA financing works, and why combining the two can create a lower-barrier path to becoming a first-time real estate investor.Throughout the conversation, they walk through how you can purchase a property with up to four units, live in one unit, and rent out the others to help offset your housing costs—or potentially cover a significant portion of your mortgage. They also explain some of the key benefits of FHA financing, including the lower down payment requirement, more flexible qualification criteria, and the possibility of using rental income to help qualify for the loan.But house hacking isn't as simple as finding a property and moving in. Violeta and Lindsay break down the FHA occupancy requirements, mortgage insurance, property eligibility standards, loan limits, and the importance of making sure the property is safe, livable, and actually works financially. They also explain why a property being eligible for an FHA loan doesn't automatically make it a good investment.They then walk through the steps aspiring investors should take before making an offer, including conducting a financial audit, finding the right FHA lender, researching local rents, analyzing the market, identifying eligible properties, and determining whether the numbers align with your personal goals. They emphasize that successful house hacking requires more than simply qualifying for financing—it requires understanding your market and knowing exactly what you want the property to accomplish for you financially.And once you become a landlord, the learning doesn't stop. Violeta and Lindsay discuss the responsibilities that come with managing tenants, handling repairs, enforcing leases, following local housing laws, and maintaining a safe property. They also explore what ethical landlording looks like and why building wealth should go hand in hand with treating tenants with care, respect, and responsibility.Whether you're a first-generation Latina thinking about buying your first home, exploring real estate investing, or looking for a way to lower the cost of homeownership, this episode offers a practical introduction to house hacking and FHA financing. Violeta and Lindsay also share why starting with a duplex may make more sense for some beginners than immediately jumping into a four-unit property—and why you should always balance your investment goals with what you're realistically prepared to manage.Before you start shopping for your first house hack, tune in for practical advice, important questions to ask your lender, and the key steps you need to take to determine whether an FHA house hack is the right strategy for you.Links Mentioned:Free Latinas in Real Estate CommunityHow to Calculate Cash Flow EpisodeFHA, VA & Other Home Loan Options for Real Estate Investing EpisodeSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if the biggest risk in real estate investing isn't the market—but choosing a strategy that no longer fits your life?In this episode, Violeta and Lindsay have an honest conversation about one of the most overlooked parts of building wealth through real estate: understanding your personal risk tolerance. As both of them navigate major life transitions, they share how they're reassessing their investment goals, evaluating new opportunities, and making decisions that align with the lives they want to build—not just the returns they hope to earn.Rather than offering a simple checklist, they invite listeners into the real conversations they have behind the scenes. By thinking out loud, they walk through how they evaluate potential investments, balance financial security with growth, and determine when taking on more risk makes sense—and when it doesn't.Throughout the episode, Violeta and Lindsay discuss why risk tolerance isn't fixed but evolves with experience, financial stability, and life circumstances. They explore how changes like leaving a W-2 job, starting a family, changing careers, or pursuing entrepreneurship can completely reshape the types of investments you're comfortable making. They also explain why comparing your investing journey to someone else's can lead to poor decisions and how building confidence over time allows you to gradually take on larger opportunities.Whether you're buying your first rental property, considering a new investment strategy, or simply trying to decide if now is the right time to invest, this episode will help you think beyond numbers and focus on building a portfolio that matches your goals, lifestyle, and peace of mind.Before making your next investment decision, tune in for a candid behind-the-scenes look at how experienced investors evaluate risk, adapt to changing seasons of life, and create long-term wealth without sacrificing what matters most.Links Mentioned:Free Latinas in Real Estate CommunityReal Estate Starter KitSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if Airbnb arbitrage seems like the perfect way to get into real estate—until everything falls apart in the very first month?In this episode, Violeta and Lindsay break down one of the most talked-about real estate investing strategies: Airbnb arbitrage. They explain how the model works, why it's become popular among new investors, and the advantages of getting started without purchasing a property. But they also reveal the hidden risks that many beginners overlook before jumping in.Using a real-life story from someone in their community, they walk through how an Airbnb arbitrage business went from exciting new venture to complete shutdown in just a matter of weeks. After investing thousands of dollars furnishing two rental units, one guest's reckless behavior led the landlord to terminate the lease, leaving the new investors without a business and scrambling to recover their losses.Throughout the conversation, Violeta and Lindsay unpack the biggest lessons from the experience, including the dangers of shiny object syndrome, why proper planning matters more than speed, and how borrowing money before validating a business model can increase your financial risk. They also discuss the importance of screening guests, understanding local regulations, preparing for unexpected setbacks, and treating short-term rentals like a real hospitality business rather than passive income.Whether you're considering Airbnb arbitrage, exploring your first real estate investment, or simply looking for ways to build wealth with less capital, this episode offers a balanced look at both the opportunities and the challenges of this strategy.Before signing your first lease or furnishing your first Airbnb, tune in for practical advice, real-world lessons, and the questions every aspiring short-term rental investor should ask before getting started.Link Mentioned:Free Latinas in Real Estate Community: https://www.skool.com/real-estate-jefas-9075/aboutSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if holding onto a rental property is actually keeping you from reaching your financial goals?In this episode, Violeta and Lindsay tackle one of the toughest questions real estate investors face: Should you keep an underperforming rental property, or is it time to let it go?Using a real question from a community member, they break down how to evaluate whether a property is still serving your long-term goals—or quietly draining your finances. Violeta shares the personal story of walking away from three investment properties despite others telling her to hold on, while Lindsay offers practical strategies for weighing your options before making a big financial decision.Together, they explore the emotional side of letting go, the importance of staying focused on your investing goals, and why sometimes selling isn't a sign of failure—it's a strategic move that creates new opportunities.The conversation also covers how rising property taxes, negative cash flow, debt payoff goals, and changing life circumstances can all impact whether a rental property still deserves a place in your portfolio. Rather than relying on emotions or the fear of missing out, they explain how to make decisions based on numbers, strategy, and the future you want to build.Whether you're struggling with an investment that's no longer performing, trying to become debt-free, or wondering if it's time to pivot your real estate strategy, this episode provides a practical framework for making confident decisions.Ready to decide whether your rental property deserves another chance—or it's time to kick el tóxico to the curb? Tune in for actionable advice, real-life investing lessons, and the questions every landlord should ask before making their next move.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if your biggest obstacle to investing wasn't the market—but getting your spouse on board?In this episode, Violeta is joined by her husband, Dave, for an honest conversation about what it's really like building wealth as a couple. From meeting as rivals in the Navy to tackling their first hands-on rental renovation together, they share the highs, frustrations, and lessons that come with investing side by side.For years, Violeta handled the investing while Dave watched from the sidelines, skeptical of buying properties sight unseen and trusting property managers hundreds of miles away. But after relocating to Texas and taking on their first local rehab, Dave experienced firsthand what it actually takes to transform a distressed property into a cash-flowing rental.They pull back the curtain on the realities of renovating an investment property—from uncovering hidden termite damage and unexpected electrical issues to watching a $3,000 renovation budget balloon to nearly $20,000. Along the way, they discuss how dividing responsibilities based on their strengths helped them navigate difficult decisions, manage conflict, and finish the project stronger than ever.The conversation also dives into the importance of communication, trusting your partner's vision, negotiating with contractors, and learning that successful real estate investing is about far more than crunching numbers—it's about teamwork.Whether you're investing with your spouse, considering your first rental property, or wondering if DIY renovations are really worth it, this episode offers an honest look at the challenges and rewards of building wealth together.Ready to turn your partner into your greatest investing teammate? This episode is full of practical lessons, relatable stories, and plenty of laughs along the way.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat skills do you actually need to become a real estate investor?In this episode of Real Estate Chisme, Violeta and Lindsay break down the essential skills every aspiring real estate investor should focus on before buying their first rental property. From choosing an investment strategy and understanding cash flow to building a reliable team and managing fear-driven decisions, they share practical lessons they've learned throughout their own investing journeys.Lindsay explains why real estate investing starts with clarity and strategy, helping listeners understand the different paths available, including house hacking, long-term rentals, short-term rentals, multifamily properties, and out-of-state investing. She discusses the importance of defining your goals, understanding your risk tolerance, and creating a plan that aligns with your lifestyle and financial objectives.Meanwhile, Violeta shares real-world examples from her latest rental property rehab, including uncovering termite damage during renovations, managing unexpected expenses, and learning how to make confident decisions without letting fear take over. She discusses the mindset shifts that helped her navigate financial anxiety, perfectionism, and the realities of owning and improving investment properties.Together, they emphasize that successful real estate investing isn't about knowing everything before you start—it's about developing the right skills over time, asking good questions, and taking action despite uncertainty.They also discuss:• Choosing the right real estate investment strategy for your goals • Understanding cash flow, expenses, vacancies, repairs, and CapEx • How to analyze rental property deals without being a math expert • Building a team of lenders, agents, inspectors, contractors, and property managers • Asking better questions during inspections and due diligence • The importance of understanding your "why" before investing • Managing fear, financial anxiety, and decision-making as a new investor • Handling unexpected renovation surprises and property issues • Creating must-have vs. nice-to-have repair lists • Why no deal is better than a bad deal • Learning to balance risk, opportunity, and long-term wealth building • Developing the confidence to take action as a beginner investorThis episode is a practical guide for aspiring investors who want to get started in real estate but feel overwhelmed by everything they think they need to know. Violeta and Lindsay remind listeners that you don't need to be an expert to begin—you simply need to be teachable, willing to learn, and ready to take the next step.Tune in for an encouraging conversation packed with beginner-friendly investing advice, mindset shifts, and actionable lessons to help you build wealth through real estate with confidence.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat happens when tenant drama, property turnovers, and financing challenges all hit at once?In this laid-back catch-up episode of Real Estate Chisme, Violeta and Lindsay share the real-life ups and downs they've been navigating behind the scenes as landlords and real estate investors. From vacant units and tenant conflicts to ADU expansion plans and creative financing strategies, they pull back the curtain on what’s been happening in their portfolios over the last month.Lindsay provides an update on her 12-property portfolio, discussing vacancies, turnover season, water-related maintenance issues, and her plans to potentially build a second ADU in California. She also opens up about the challenges of securing financing while balancing W-2 income, self-employment income, and future plans to leave her corporate job.Meanwhile, Violeta shares lessons learned from self-managing her latest duplex renovation, including handling tenant disputes, setting boundaries, coordinating junk removal, and preparing for a new tenant move-in. She reflects on how these experiences are helping her build valuable property management and communication skills.They also discuss:• Managing vacancies and rental turnovers during peak leasing season• Financing challenges and creative ways to fund real estate projects• ADU expansion opportunities and long-term portfolio growth• Tenant communication, conflict resolution, and property boundaries• The realities of self-management versus hiring property managers• Family real estate challenges, including inherited properties and difficult decisionsThis episode is an honest conversation about the everyday realities of real estate investing—the wins, the setbacks, and the lessons that come from learning as you go.Tune in for a casual behind-the-scenes catch-up filled with landlord stories, investing insights, and plenty of real estate chisme.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat if the thing holding you back from investing isn’t the market—but the fear, anxiety, and stories you’ve carried about money your entire life?In this episode, Lindsay sits down with Heather Enciso, a licensed clinical social worker, real estate investor, queer Filipina, and first-generation American, to explore the powerful connection between financial anxiety and real estate investing.Heather shares how growing up in an immigrant household shaped her beliefs about money, why COVID-19 became the catalyst that pushed her toward investing, and how she went from knowing almost nothing about assets and wealth-building to owning multiple multifamily properties across Ohio and Pennsylvania.Together, they dive into the emotional side of investing that rarely gets discussed—fear, scarcity, self-doubt, and the challenges many first-generation investors, women, LGBTQ+ individuals, and people of color face when entering spaces where they don’t see themselves represented.Heather opens up about her journey into house hacking, how she leveraged low-down-payment financing to acquire properties faster, and why delayed gratification and sacrifice played a major role in building her portfolio. She also shares how she manages the anxiety that comes with making large financial decisions and explains the difference between a genuine intuition warning and a fear-based response.You’ll hear an honest conversation about overcoming mental blocks, finding supportive communities, learning to trust yourself, and creating systems that help you make sound financial decisions without letting anxiety take over.Heather also reveals the deeper motivation behind her investing journey: creating financial freedom not just for herself, but for her mother, whose sacrifices made her opportunities possible.If you've ever felt intimidated by real estate, struggled with financial anxiety, or questioned whether investing is truly for people like you, this episode will give you the mindset shifts, encouragement, and practical strategies you need to move forward.Ready to stop letting fear make your financial decisions and start building wealth with confidence? This conversation is for you.Connect with Heather:InstagramWebsiteSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailIf you’ve ever felt overwhelmed by dealing with city inspections, permits, tenant complaints, or confusing housing regulations as a real estate investor, this episode is for you. Violeta sits down with Ashley Pereira, a California-based investor building her portfolio in Rochester, New York, to talk about the realities of navigating local government, certificate of occupancy inspections, property management communication, and the unexpected challenges that come with owning rental properties out of state.Ashley shares how she went from analysis paralysis to closing on her first rental property in Rochester, why she chose a cash-flowing Midwest market over investing in California, and what happened when she suddenly started receiving scary violation notices from the city. From missing doors and tenant damage to delayed inspection updates and overwhelming paperwork, she opens up about the anxiety that comes with being a first-time landlord learning how to navigate the system.Violeta also shares her own experiences dealing with trash violations, Section 8 paperwork issues, storm door complaints, and buying properties from slumlords that required major repairs. Together, they discuss the importance of documentation, communication with the city, understanding local landlord requirements, and why learning to work with local government is an essential skill for long-term real estate investing success.They also dive into: • How Ashley overcame analysis paralysis and bought her first out-of-state rental • Why Rochester, New York stood out as a strong cash-flow market • The realities of dealing with certificates of occupancy and city inspections • Common rental property violations investors face • Why communication and documentation matter when dealing with the government • The hidden challenges of tenant turnover and property maintenance • Investing in older homes and handling repairs like peeling paint, handrails, decks, and lead safety issues • Lessons learned from buying properties from slumlords • Section 8 delays, housing authority issues, and government bureaucracy • Why beginner investors shouldn’t be afraid of dealing with the city • The importance of community, mentorship, and networking in real estate investingWhether you’re a brand-new investor looking to buy your first rental property or already managing units and dealing with inspections, this episode offers practical insights and reassurance that these challenges are part of the journey—not the end of it.Connect with Violeta: Latina-focused real estate investing community linked below the episode description.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailIf you’ve been following the conversations around housing affordability, rent control, and landlord accountability, this episode dives into one of the most controversial real estate debates happening right now. Violeta breaks down the major housing and real estate proposals being pushed by New York City mayor Zohran Mamdani and shares her perspective as a real estate investor on what these changes could mean for landlords, tenants, and the future of investing.From cracking down on slumlords and issuing massive fines for neglected properties to discussions around rent freezes, affordable housing, insurance relief, and over-leveraged investors, this episode explores the tension between protecting tenants and protecting property owners. Violeta also shares her own experiences dealing with distressed properties, preventative maintenance, refinancing strategies, and the realities of managing affordable housing as an investor.We cover: • Zohran Mamdani’s controversial housing and real estate proposals • Rental “rip-off hearings” and tenant accountability initiatives • Why slumlords are facing larger fines and possible property seizures • How neglected maintenance impacts tenants and neighborhoods • The risks of over-leveraging rental properties through refinancing and HELOCs • Preventative maintenance, CapEx planning, and responsible investing • How LLC structures can make landlord accountability difficult • Rent freezes, rising insurance costs, and increasing property taxes • Affordable housing challenges for both tenants and landlords • City-backed insurance relief programs for affordable housing owners • The balance between profit, ethical investing, and community impactThis episode is a reminder that real estate investing isn’t just about cash flow and appreciation — it also comes with responsibility. Violeta shares why ethical investing, proper maintenance, and long-term planning matter not only for protecting your assets, but also for protecting the people who live in your properties.Mentioned in this episode:Free Latinas in Real Estate community https://www.skool.com/real-estate-jefas-9075/aboutMamdani’s News Links: https://www.cbsnews.com/newyork/news/nyc-rent-guidelines-board-preliminary-vote-freeze-hike-rents/https://www.nyc.gov/mayors-office/news/2026/04/mamdani-administration-unveils-first-of-its-kind-insurance-progrSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailIf you’re thinking about buying your first home or investment property but feel overwhelmed by all the mortgage options out there, this episode breaks it all down in a beginner-friendly way. Violeta walks through NerdWallet’s Best Mortgage Lenders of May 2026 and explains which lenders may work best depending on your goals — whether you’re looking into FHA loans, VA loans, HELOCs, manufactured homes, refinancing, or your very first investment property.She also shares her own experiences using VA loans, refinancing, house hacking, and construction loans, plus practical advice on how new investors can use these lending options to start building wealth through real estate.We cover:The best mortgage lenders for different types of buyers and loansFHA, VA, HELOC, refinancing, and low down payment optionsCredit score and down payment requirements to qualifyHouse hacking and using rental income to reduce housing costsFinancing strategies for duplexes, multifamily properties, and investment homesConstruction and manufactured home loansCommon mortgage mistakes new investors should avoidHow to choose the right lending strategy for your first property This episode is a reminder that getting started in real estate investing doesn’t have to feel impossible. With the right financing strategy, education, and a willingness to take the first step, building long-term wealth through real estate can become much more accessible.Mentioned in this episode: NerdWallet Best Mortgage Lenders List (May 2026) Free Latina real estate investing communitySupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailWhat happens when rental income looks great on paper—but repairs, vacancies, and property management mistakes drain your cash flow? In this honest Q1 recap episode of Real Estate Chisme, Violeta and Lindsay break down the real numbers behind their rental portfolios and the unexpected challenges that came with them. From costly repairs and vacant units to frustrating property management issues, they share the lessons they’re learning while navigating the realities of real estate investing.Lindsay reveals how over $41,000 in rental revenue was quickly reduced by rehabs, utilities, management fees, and debt service across her 12-property portfolio. Violeta opens up about a “problem” property that led to surprise bills, city complaints, and growing frustration with her property management company.They also discuss: • The true cost of vacancies and turnovers • Managing older properties and unexpected repairs • Rising property taxes and affordable housing challenges • Lessons learned from tenant communication and self-management • How they’re adjusting their strategies moving into Q2This episode is a transparent look at the ups and downs of building wealth through real estate—and why staying adaptable is key when things don’t go according to plan.Tune in for an honest behind-the-scenes look at what real estate investing really looks like when the spreadsheets, stress, and surprises all collide.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailMost aspiring real estate investors shy away from debt, thinking it's risky or even cheating. But what if leveraging other people's money could fast-track your success—without the fear holding you back? Martin Castro Silva dives deep into the truth about using private and hard money to turn dreams into reality, revealing how he quit a high-salary job and built a thriving flipping empire in Florida.He'll share the raw lessons learned—like how to find private lenders when everyone seems broke, why having a solid business plan is non-negotiable, and how to navigate the stormy waters of contractor nightmares. Discover the secret to acquiring deals with up to 90% financing, how velocity of money can explode your profits, and why execution trumps everything in this game.This episode is a must-listen for anyone feeling stuck, afraid of failure, or unsure how to even start—because Martin’s story proves that action, confidence, and a little bit of boldness can change your life. Whether you're just getting started or needs that final push, you'll leave inspired, empowered, and ready to take your shot.Ready to see how leveraging others' money can unlock your freedom? This is the blueprint you didn’t know you needed. Don’t wait—your real estate breakthrough starts now!Connect with Martin: @Martinmelmac   https://martinmelmac.com/Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailAre you tired of seeing a huge chunk of your rental income go straight to taxes? What if I told you there are powerful legal strategies that can literally wipe out your tax bill — making your rental properties work for you, not against you? This episode dives deep into how real estate can transform your financial future with bold, proven tax tactics. In this episode:Discover the top tax deductions for rental properties — mortgage interest, property taxes, depreciation, and operating expenses.Learn how to leverage depreciation to reduce your tax liability every year.Find out why long-term rentals are your best tax friend — passive income, no self-employment tax, and massive depreciation benefits.Unveil the short-term rental loophole — turn those Airbnb stays into active income with huge write-offs.Get the scoop on bonus depreciation and 1031 exchanges to accelerate your wealth building.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailAre traditional loans holding you back from building your real estate empire? Discover how DSCR loans can revolutionize your investing journey, even without stable income or a perfect W-2. This episode uncovers a game-changing approach for entrepreneurs, self-employed professionals, and dreamers eager to break barriers and create wealth through real estate.In this episode:What is a DSCR loan and how does it differ from traditional financingWhy property income, not personal income, qualifies you for a DSCR loanThe key requirements: credit scores, down payments, and reservesHow to calculate your property's DSCR ratio (aim for above 1.25!)Using DSCR loans for buying, refinancing, and scaling your real estate portfolioReal-life examples illustrating how DSCR loans work in practiceWhy this product is perfect for entrepreneurs, freelancers, and those with variable incomeBenefits of DSCR loans over traditional financing: no tax returns, no W-2s, faster approval••Possible downsides: higher interest rates and larger down paymentsSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailIn this episode I share my latest adventure in real estate with you. Imagine this: I just closed on another property, and let me tell you, it was quite the rollercoaster! From dealing with a title company that seemed to be on its own timeline to the unexpected thrill of signing papers at a McDonald's, this journey was anything but ordinary.In this episode, I open up about the nerves and excitement of transitioning to self-managing my rental properties. It's a whole new ballgame without a property manager, but luckily, my husband and I make a great team. He's the people person, while I handle the logistics and finances. Together, we're tackling everything from tenant introductions to safety inspections.I'm also diving into the world of property development. With a duplex on a spacious lot, I'm dreaming big about adding more units and creating a thriving community space. It's all about learning, growing, and embracing the challenges that come with real estate.Join me as I share the highs, the lows, and everything in between. Whether you're a fellow investor or just curious about the real estate world, I hope my story inspires you to chase your dreams and face challenges head-on.Follow our podcast for more!Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailDownload the free calculator and master the true art of cash flow analysis today!https://moneychisme.kit.com/cashflow_calculatorReady to stop guessing your rental income and start understanding the real numbers? Violeta spills the truth about why most investors get their cash flow wrong — and how you can fix it with just a few simple steps. Whether you're a beginner or seasoned pro, this episode will transform your approach to real estate investing.In this video:- Critical mistake investors make - How to accurately account for expenses like taxes, vacancies, maintenance, and CapEx- A step-by-step example of calculating cash flow -The free tool that simplifies complex calculations for up to six properties-Why overestimating cash flow can lead to financial disaster- Common pitfalls: ignoring vacancy, miscalculating taxes, skipping property management costs- How to build a resilient emergency fund for unexpected repairsChapters00:00 Understanding Cash Flow in Real Estate06:45 Common Mistakes in Cash Flow Calculation10:38 Calculating Cash Flow Accurately16:36 Utilizing Tools for Cash Flow AnalysisSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailStart Investing in rental properties with my Free 5 Day Crash Course: https://moneychisme.kit.com/c8eb949716If you have been wanting to start investing in real estate but you don't have much money, a good credit score or maybe your debt to income ratio is too high, seller finance is a great option. In this episode we explore the concept of seller financing, its benefits for both buyers and sellers, negotiation flexibility, tax advantages, and the types of seller financing available. It also delves into expert-level strategies, risks, and precautions associated with seller financing, providing a comprehensive overview of this powerful real estate tool.Takeaways- What is seller financing and how it works- Benefits for buyers and sellers in seller financing- Negotiating terms and understanding balloon payments- Tax advantages and passive income opportunities- Steps to safely execute a seller financing dealSupport the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailBuilding a solid real estate team, as a real estate investor is key to your success. Sammie, a Latina investor shares her experiences with building a real estate team, learning from mistakes, and strategies for out-of-state investments. She highlights the significance of having an investor-friendly real estate agent, a reliable lender, and a good property management team. Key Takeaways: Teamwork is essential in real estate investing.Finding an investor-friendly real estate agent is crucial.Building relationships with lenders can streamline the investment process.Community support is vital for success in real estate.More Chisme on the blog:https://moneychisme.com/dont-do-it-solo-how-to-build-a-real-estate-team/Connect with Sammie:https://www.instagram.com/invest_with_sammie/More on the blog:https://moneychisme.com/going-solo-is-bad-you-need-a-real-estate-investor-dream-team/Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailFannie Mae removed the minimum credit score of 620, required to qualify for a loan. Trump wants to give a 50 year mortgage option. We talk about if it is a good idea, and the impact it may have. TakeawaysMost people may not prefer a 50-year mortgage.Longer mortgage terms could impact financial planning for homeowners.Potential risks of long-term mortgages need to be considered.Consumer education on mortgage options is essential.The future of home financing may include more flexible terms.Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailHow homeowners can leverage their home equity to start investing in real estate. We explore two primary methods: home equity loans and home equity lines of credit (HELOCs), detailing the pros and cons of each. The conversation emphasizes the importance of understanding one's financial situation and having a clear investment strategy. We also address common fears associated with using home equity for investments and provide insights on how to navigate these financial tools effectively.Key TakeawaysYou might be sitting on cash and not even know it.Home equity can be turned into cash for investments.A home equity loan is like a second mortgage.A HELOC works like a credit card backed by home equity.You incur interest only on the amount you use from a HELOC.Understanding your debt-to-income ratio is crucial.There are limits to how much interest can increase on loans.Having a clear exit strategy is important when using equity.Investing in real estate is a wealth-building strategy.It's essential to research and understand your options before leveraging equity.More on the Bloghttps://moneychisme.com/how-to-use-your-home-equity-wisely-to-buy-a-rental-property/Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...

Send us Fan MailExploring the intriguing world of spooky and potentially haunted houses as potential investment properties. We share our personal beliefs about hauntings, legal requirements for disclosing deaths in homes, and the cultural significance of energy in real estate. Plus we look at some spooky and "haunted" house listings, considering their investment potential, and sharing renovation ideas. From witchy houses to the famous haunted house from 'The Conjuring,' we get into the chisme on the potential for renovation, investment opportunities, and the unique charm of these properties, while also considering the risks associated with purchasing haunted real estate. All this with some laid back humor and insights into the real estate market, particularly in relation to spooky houses and their appeal.Full show notes and chisme here:https://moneychisme.com/would-you-buy-a-haunted-house-spooky-deals-as-investment-properties/https://youtu.be/RNTvauDrB-gMentioned in this episode:https://spookyhousesforsale.com/https://www.zillow.com/homedetails/118-E-Pine-St-Independence-KS-67301/77252906_zpid/?https://www.zillow.com/homedetails/207-S-Ellsworth-Ave-Salem-OH-44460/448917391_zpid/https://www.realtor.com/realestateandhomes-detail/1677-Round-Top-Rd_Burrillville_RI_02830_M30405-99705Support the showJoin my Latina Real Estate Investors Community (FREE)https://www.skool.com/real-estate-jefas-9075/aboutGet my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/rei-starter-kitProperty Management made easy with RentRedihttps://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShareManage Your Funds with BASELANE Bankinghttps://invite.baselane.com/Violeta84614Follow us on Social Mediahttps://www.instagram.com/money_chisme/https://www.instagram.com/lindoesinvesting/Disclaimer:We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ...