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You’ll hear many people harp on the benefits of real estate investing. And it’s for good reason! When we sit back and look at why our clients who own real estate have been successful – it isn’t a complex algorithm. The math is simple. They bought a property, and over the years it appreciated enormously in value. 

But getting involved with real estate can be very expensive. If you’re thinking about buying a rental property, it may take well over six figures for just a down payment. So together in this article, we’re going to review five of the more-affordable ways to get involved. 

1. Renting Out A Personal Residence

A great place to start in real estate is with your own home. You’re already paying for it. So it may be worth considering splitting expenses. By putting a spare bedroom on AirBnb, Facebook, etc. you get to run a bit of a rental experiment. If things go well, you’ll be bringing in extra income and building your renting confidence. 

However, the negatives of this option hit close to home… literally. Bad tenants can do damage to your house, and make you (and your family) uncomfortable. If bad times come, you’ll be sharing the same appliances, roof, and problems.

2. Real Estate Investment Trusts

You don’t always have to think in the rigid terms of real estate investing vs stocks. That’s because Real estate investment trusts (REITs) are publicly traded on the stock market. You’re able to invest in them like you would a mutual fund. REITs are just companies that take ownership (and usually maintenance) of various income-generating properties.

As a REIT investor, you become an equity holder. And as an equity holder, you’re entitled to regularly-scheduled income in the form of dividends. These dividends are essentially like rent payments, and their size depends on your level of equity. 

REITs are an incredibly low-cost, and simple way to get involved with real estate investing. And you’re able to get out of them quickly (a key difference when compared to owning a parcel directly). But one of the downsides of REITs is their propensity for market volatility. You’ll also have to accept the fact that you’ll have little to no control over what properties are a part of the REIT.

3. Crowdfunding For Real Estate

You’re probably familiar with crowdfunding platforms like Kickstarter. But in case you’re “not hip” (happens to the best of us!), these are online platforms that raise money for causes, inventions, businesses, and more. Well, it turns out there’s also crowdfunding for real estate. (There’s also non-public real estate companies you can buy into with other accredited investors directly if invited. These are different because they are not found on an online platform).  

Similar to a REIT, crowdfunding allows many people to go into ownership of property together. As a result, the monetary entry barrier is much lower. You’ll only receive returns proportional to your ownership. And you’ll have little to no control of decisions made regarding the property. 

Unlike a REIT, crowdfunding for real estate does not offer strong liquidity. You’ll likely be stuck with your investment until a property buyer is found. And it’s worth noting that you need to perform particularly strong due diligence with this option. Online fundraising has been plagued with scandals regarding fraud, so make sure to find a reputable platform/seller. 

4. Living In A Multi-Family Home You Own

This is a variation of renting out a personal residence. If you own a duplex (or triplex/multiplex), you’ll be able to rent out the space(s) to tenants and collect income. The major benefits here are the greater degree of privacy and levels of income you can have from multiple tenants. 

If you already own (or are paying off) a personal residence, you can decide to sell, and roll your equity into a multi-family home. This can make the acquisition of a duplex far more affordable. But of course, there’s still tradeoffs. 

Multi-family homes can be harder to come by, and commonly carry higher price tags. If you sell a personal residence for a down payment, you may also be downsizing on personal space. And depending on the size of your family, that can be a difficult decision to make. Additionally, as you multiply the number of tenants, you also multiply the likelihood of tenant-related issues. 

5. Delaware Statutory Trusts 

Don’t worry, this option isn’t exclusive to Delaware residents! A Delaware Statutory Trust (DST) is just a model of property ownership. Similar to REITs, DSTs offer fractional ownership, which provides a lower cost barrier for entry. But the minimum entry price for DSTs is ~ $100,000.1 Still, this may be significantly less than a 20% down payment on a standalone rental property. 

Also like REITs, DSTs often invest in a variety of property types. And this diversification can be great in protecting the security of your investment. And you won’t have the responsibility for property maintenance either. But you’ll have little to no influence over property decisions, and like with crowdfunding for real estate, little to no liquidity. 

How Crafted Finance Can Help

At Crafted Finance, we specialize in real estate solutions. We recognize its power to build and protect our clients’ wealth. But we also understand how expensive, and nerve wracking it can be to get a foot in the door. 

As a result, we take the time to walk our clients through a variety of real estate investment options. We show them how they can rent out their own property, or participate in fractional ownership in a variety of others. 

With the expensive nature of real estate investing, it’s best to talk over ideas with a pro. Please feel free to schedule a complimentary consultation call, or call us directly at (650) 336-0598. We’ll be happy to find the right way to get started in real estate for you.

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Kristin Harad

Marketing Coach

Step right up and meet Kristin Harad, the Marketing Coach wizard! Guiding businesses through the intricate maze of marketing, Kristin combines her smarts, pizzazz, and a hefty portfolio of wins to show she’s the real deal. Ever wonder what makes a brand pop and a strategy rock? Kristin’s your answer, lighting up the marketing world and turning potential into prowess.

Boasting three decades in the marketing arena, Kristin’s more than just a seasoned pro – she’s a beacon. Whether she’s spotting the next big trend or identifying a golden opportunity, she’s always got her finger on the pulse. And the cherry on top? Her rock-solid commitment to catapulting her clients right to the top of the business game. Dive into the marketing world with Kristin, and watch magic happen!

Jon Fogg

Content Creator

Jon Fogg is a dynamic and innovative content creator who has been making waves in the digital realm. With a passion for creativity and a flair for storytelling, Jon has captivated the financial world through his engaging and diverse content.

When he’s is not working on an SEO blog or case study, you’ll find him enjoying local art galleries or a phenomenal read. Friends and colleagues often commend him for his clear enthusiasm and dedication, which is evident in every project he undertakes. 

Kingston Hollman MBA


Meet Kingston Hollman, the compliance guru everyone’s been talking about. With a sharp mind for regulatory ins and outs, Kingston is all about keeping businesses on the straight and narrow. That’s why he’s a go-to in the compliance world!

Sporting an MBA under his belt, Kingston’s not just about book smarts. He knows the fine dance between business strategy and staying in line with the rules. And guess what? He’s mastered it. Ensuring companies sail smoothly through the often-stormy waters of compliance is his game.

From the get-go, Kingston’s been crafting top-tier compliance programs, tailored just right for all sorts of industries. It’s his eye for detail and that knack for spotting the little things that make him stand out. He doesn’t just set up a system; he fosters a whole vibe of staying compliant, making sure everyone’s on board.

Jessica Martineau

Client Operations Manager

Jessica is a seasoned professional with a diverse background, bringing a decade of expertise across multiple industries. A proud graduate of SPU, her journey in the professional world is marked by significant accomplishments.

With nearly eight years dedicated to managing projects in the graphics and built environment sectors, Jessica has honed her skills as a meticulous Project Manager. This tenure has instilled in her a knack for thriving within organized structures while fostering robust client relationships, a hallmark of her professional ethos.

Her experience in the Finance industry spans almost a decade, where she has held pivotal roles as Lead Client Operations Manager and Director of Operations. Notably, her FINRA SIE Certification stands as a testament to her commitment to excellence.

Jessica’s strengths lie in cultivating enduring client connections, fueled by her passion for delivering thorough solutions. She finds joy in understanding and engaging with her colleagues, nurturing a cohesive work culture.

As a Pacific Northwest native, Jessica enjoys hiking, camping, and skiing. She loves reading, attending live music, plays, and comedy shows. Always a foodie, she delights in discovering new restaurants and revisiting old favorites, especially if there is a water view.

Most importantly, Jessica’s world revolves around her family—her amazing husband, Lee, and their two great kids. They are her inspiration and the anchor to her life outside of work.

Dionne Kelly

Executive Assistant

Let’s dive into the world of Dionne Kelly! Born in St. Kitts and with her roots deep in Barbados, Dionne’s been globe-trotting from her island homes to Canada, the USA, and Belize. Got a love for tropical spots? So does Dionne. Her passport’s got stamps that tell tales of sun, sea, and a bunch of awesome adventures.

Now, when it comes to her profession, Dionne’s the real deal. Over 20 years in the game as an Executive Assistant, she’s been the secret ingredient for bigwig C-suite execs. Think of a challenge, and Dionne’s likely tackled it head-on with her unbeatable organizational skills and eagle eye for detail. 

Oh, and did we mention she’s a foodie? Dionne’s taste buds have danced across diverse culinary landscapes, adding a sprinkle of global flavor to her persona. In the world of executive support, she’s a powerhouse, always two steps ahead and ready to make things happen. 

Joe Wride CFP®

Founder & CEO

Meet Joe Wride, the president and founder of Crafted Finance. With a knack for pension and investment management, insurance, and financial planning, Joe’s all about offering top-notch services without breaking the bank. That’s why he started Crafted Finance!

A proud Finance major from Washington State University, Joe’s got the credentials to back it up as a Chartered Life Underwriter and CERTIFIED FINANCIAL PLANNER™ Professional. Since 2009, he’s been helping individuals, families, and pension plans make sense of their finances. Joe’s even on the board of the Financial Planning Association’s Puget Sound chapter. Check out his LinkedIn profile here.

Joe gets that everyone’s got their own money story. That’s why he’s crafted a unique process to help folks of all stripes manage their finances, whether they’re flying solo, raising a family, or running a company. He’s all about learning and growing to make sure his guidance is just the right fit for his clients.

When he’s not crunching numbers, you’ll find Joe enjoying the Seattle life. He’s into skateboarding at Alki beach, biking, golfing, snowboarding, hiking, and camping. Sports fan? You bet! Joe’s a die-hard supporter of the Cougars, Mariners, Seahawks, and Sonics. But what really matters to him is family time with his wife Jessica, daughter Ocean, and dog Kanga. Joe’s excited to welcome more kiddos into their home through foster care and adoption in the future.

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