Everyone keeps asking the same question: do rates really matter? The truth is that the rate is only one part of the picture. A property can cash flow at different rates depending on the structure of the deal, the amount you invest, and how disciplined you are with your numbers. 💼✨

Cash flow matters, but it does not tell the whole story. What you put into the property matters just as much. Down payment, rehab, reserves, and capital invested will change your entire outcome. Two investors can earn the same monthly cash flow and still have completely different results. That difference is the return on investment. That is the number that tells the truth. 😌

Everyone wants to become a real estate investor, but not everyone understands the difference between cash flow and ROI. You can have a strong DSCR and still have a weak return if you overfund the deal. And you can have a higher rate and still outperform if you structure the deal the right way. 💛

Rates matter, but they are not the whole story. The real question is always the same: what is the return on the money you are putting in? That is where real investing begins. 📈✨

Thanksgiving

We do not celebrate Thanksgiving in my home country, but living the “American Dream” I have learned to enjoy this beautiful holiday. We do not need to wait for one special day to say what we are thankful for. We work hard for a better tomorrow, but when tomorrow comes, instead of enjoying it, we start thinking of a better tomorrow again. Today I want to pause and say that I am thankful for my beautiful life and for the people who are with me in this journey.

Happy Thanksgiving!

Alanna Avalone – Private Lender

Call/ Text/ WhatsApp: +1 (305) 537-6443 

This newsletter is my weekly take on lending, markets, and mindset, from someone who still loves helping people get deals done.

Thanks for reading

---

If you have a deal under contract, reach out for a quote with zero percent origination points. You only commit with our processing fee of 1295 and your down payment. We will show you exactly what your numbers look like before you make any decisions. 💼✨

---

ROI

This is the real number that matters.

ROI = cash flow ÷ total money invested

Example:

Investor A

Puts in $100,000

Makes $500 per month cash flow

ROI: 6%

Investor B

Puts in $30,000

Makes $500 per month cash flow

ROI: 20%

• Same cash flow.
• Completely different return.
• THIS is what smart investors optimize for.

---

We just launched our referral program and it is designed for real estate agents and anyone who loves earning extra income. If you have clients, friends, or family who need lending solutions and you want to earn for referring them, this program is for you. It is simple, direct, and built to reward the people who bring us great deals. 💛💼