{"id":185241,"date":"2025-10-17T10:29:34","date_gmt":"2025-10-17T16:29:34","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=185241"},"modified":"2025-10-17T10:30:14","modified_gmt":"2025-10-17T16:30:14","slug":"why-debt-funds-may-be-the-millionaire-shortcut-you-are-overlooking","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/why-debt-funds-may-be-the-millionaire-shortcut-you-are-overlooking","title":{"rendered":"Why Debt Funds May Be the Millionaire Shortcut You\u2019re Overlooking"},"content":{"rendered":"\n<p><span data-preserver-spaces=\"true\">Most investors are chasing the <\/span><span data-preserver-spaces=\"true\">wrong thing. Equity returns <\/span><span data-preserver-spaces=\"true\">are delayed<\/span><span data-preserver-spaces=\"true\">. Savings account interest is fading. And market volatility makes every dollar feel like a gamble.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Yet one vehicle quietly compounds wealth with consistency, safety, and monthly <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/rental-property-cash-flow-analysis\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">cash flow<\/span><\/a><span data-preserver-spaces=\"true\">: properly structured debt funds.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">If you\u2019re an investor sitting on idle cash, or just craving more cash flow stability in your portfolio, we\u2019ll take a look at why debt funds may be your most powerful path to millionaire momentum. Let\u2019s unpack how it works.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Strategic Blind Spot Most Investors Miss<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Real estate investors love equity deals for the upside. But they often ignore the downside: the long timelines, high illiquidity, and unpredictable cash flow.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Or worse, they leave capital sitting in the bank at 3.5%, thinking that\u2019s safe enough. But here\u2019s the apples-to-apples math:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Investor A: $100K in a 3.5% savings account -> $141K in 10 years<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Investor B: $100K invested in a debt fund compounding at 8% annually -> $221K in 10 years<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">The gap? That\u2019s the hidden cost of inaction. It\u2019s not about risk versus reward. It\u2019s about speed, consistency, and compounding.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The New Lens: The Wealth Compounding Plan<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">For investors <\/span><span data-preserver-spaces=\"true\">looking for<\/span><span data-preserver-spaces=\"true\"> a smoother ride to building wealth<\/span><span data-preserver-spaces=\"true\">, <\/span><span data-preserver-spaces=\"true\">with less hassle, I teach <\/span><span data-preserver-spaces=\"true\">investors<\/span><span data-preserver-spaces=\"true\"> a simple model: The Wealth Compounding Plan.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">This strategy rebalances your portfolio around three goals:<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Clarity: Know where you\u2019re going and how long it\u2019ll take.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Control: Use cash-flowing assets to buy back your time.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Compounding: Stack consistent gains that accelerate over time.<\/span><\/li>\n<\/ol>\n\n\n\n<p><span data-preserver-spaces=\"true\">Debt funds become the engine. They produce monthly income, reinvest quickly, and provide a lower-risk base for your portfolio. And when structured correctly, they offer the liquidity most investors mistakenly assume doesn\u2019t exist.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Comparison:<\/span><span data-preserver-spaces=\"true\"> Who Reaches $1M First?<\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Investor A sits in cash at 3.5% with $100K to start and adds $50K\/year. After 10 years: $876K.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Investor B uses a tiered-return debt fund, starting at 8% until their portfolio reaches $500K, then earning 9% until hitting $1M, and compounding at 10% thereafter. <\/span><span data-preserver-spaces=\"true\">With $100K to start and $50K<\/span><span data-preserver-spaces=\"true\">\/year<\/span><span data-preserver-spaces=\"true\"> added consistently, Investor B reaches $1.15M in 10 years.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Investor C uses a 60\/40 stock\/bond portfolio (5.8% blended return) with $100K to start and adds $50K\/year. After 10 years: $961K.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Investor B <\/span><span data-preserver-spaces=\"true\">wins\u2014<\/span><span data-preserver-spaces=\"true\">by thousands. And does it with less volatility, less illiquidity, shorter capital lockups, and the option to create a predictable monthly cash flow once they hit their equity target.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Let\u2019s also recognize that many real estate investors aren\u2019t aiming for <\/span><em><span data-preserver-spaces=\"true\">just<\/span><\/em><span data-preserver-spaces=\"true\"> $1 million. They want <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/real-estate-1169\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">financial freedom<\/span><\/a><span data-preserver-spaces=\"true\">, which often requires more.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">But here\u2019s why $1 million is a powerful milestone for debt fund investors:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">At $1M, you can often demand a 10% preferred return in top-tier debt funds.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">At $1M and a 10% return, that\u2019s $100K\/year in predictable income before accounting for other sources like Social Security or pensions.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">And because your principal is protected and liquid in well-structured funds, you\u2019re not forced to sell to access income.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Bottom line<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">The end goal is not $1M. This number is the inflection point where wealth becomes utility. <\/span><span data-preserver-spaces=\"true\">And debt funds, when used <\/span><span data-preserver-spaces=\"true\">with<\/span> <span data-preserver-spaces=\"true\">consistency<\/span><span data-preserver-spaces=\"true\">, can get you there faster and safer.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Framework: How to Implement the Plan<\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">1. Define your timeline<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Start by anchoring your investing approach to your life stage:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Accumulation mode: Growing your nest egg<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Transition mode: Positioning for income and liquidity<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Cash flow mode: Pulling regular income from your assets<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Each mode comes with different risks, goals, and needs. Your timeline determines what kind of return profile and liquidity make sense, and what role debt funds should play.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">2. Set your passive income target&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Before you allocate capital, define what you&#8217;re building toward. Use this hierarchy to clarify your income goal:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Financial security: Basic bills covered<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Financial vitality: Comfortably covering lifestyle<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Financial independence: Work becomes optional.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Financial freedom: Live fully on your terms.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">This number gives purpose to your plan. It tells you how much cash flow you need monthly, and what investment mix will get you there.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">3. Allocate for stability first&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Debt funds should make up 30% to 40% of your passive portfolio. Think of this as tier 2 in the 3-tier Fortress Plan\u2014the income-producing layer that cushions market volatility, supports reinvestment, and creates predictable cash flow.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Why 30% to 40%? Data from top-performing portfolios (especially among high-net worth investors) consistently shows that allocating one-third of assets to fixed-income strategies\u2014particularly those with short duration and liquidity, like properly structured debt funds\u2014helps balance growth with stability. It also positions you to take advantage of equity deals when they arise, without sacrificing income in the meantime.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">This layer is your base camp: stable, liquid, and always working for you.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">4. Evaluate risk before you invest&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Once you&#8217;ve defined your income needs and stability allocation, the next critical step is <\/span><span data-preserver-spaces=\"true\">assessing the risk of<\/span><span data-preserver-spaces=\"true\"> the investment<\/span><span data-preserver-spaces=\"true\">, <\/span><span data-preserver-spaces=\"true\">beyond the marketing materials.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Not all debt funds are created equal, and \u201cfirst lien\u201d doesn&#8217;t automatically mean \u201csafe.\u201d Many investors mistakenly assume that debt equals lower risk by default, but that&#8217;s not always the case. Hidden risk lives in the fund structure, and failing to identify it can turn a &#8220;safe&#8221; investment into a costly one.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Evaluate these four dimensions:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Asset type: Residential, commercial, land, or development?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Loan phase: Stabilized versus distressed<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Capital stack position: Are you truly senior or subordinated?<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Structure: Note, fund, or crowdfunding platform?<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">These categories reveal how your capital <\/span><span data-preserver-spaces=\"true\">is deployed<\/span><span data-preserver-spaces=\"true\">, what risk exposures exist, and how easily your investment can be monitored and protected.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">5. Vet using the 3Ps checklist&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">After you&#8217;ve evaluated the risk categories, it&#8217;s time to underwrite the opportunity with precision. Use the 3Ps Framework:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">People: Track record, aligned incentives, lending expertise<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Process: Borrower screening, conservative valuations, default protocols<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Position: First lien, low LTV, secured loans, and liquidity features<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Think of this as your underwriting checklist. Just as a strong foundation supports a durable building, these 3Ps support safe, scalable returns in your portfolio.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">6. Layer in consistency&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Once you\u2019ve chosen a vetted debt fund that aligns with your risk profile and cash flow goals, your next job is to make consistency your secret weapon.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Reinvest distributions automatically: Don\u2019t let capital sit idle.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Set calendar reminders or automate transfers to <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/dollar-cost-average-real-estate\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">add new contributions every month, quarter, or year<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Track your compounding: Seeing your returns grow makes it easier to stay committed.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Compounding isn&#8217;t just math; it&#8217;s behavior. Investors who consistently reinvest and contribute, even in small amounts, hit seven figures faster and with more stability than those who try to \u201ctime the market.\u201d<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Mini challenge<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">What phase are you in right now\u2014and how are you allocating accordingly? <\/span><span data-preserver-spaces=\"true\">Write it down.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Tactical Investor Insights<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Debt funds are powerful, but they aren\u2019t <\/span><span data-preserver-spaces=\"true\">one size fits all<\/span><span data-preserver-spaces=\"true\">. Here\u2019s what strategic investors often ask before putting capital to work:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Can I use a <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-a-heloc\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">HELOC<\/span><\/a><span data-preserver-spaces=\"true\"> or cash value insurance to invest? Yes, but only if the fund has the <\/span><span data-preserver-spaces=\"true\">right<\/span><span data-preserver-spaces=\"true\"> structure. Look for short durations, liquidity features (like 90-day access), and protections in case of early exit. Using leverage amplifies your returns <\/span><em><span data-preserver-spaces=\"true\">and<\/span><\/em><span data-preserver-spaces=\"true\"> your risk, so a fund\u2019s consistency and conservatism matter even more.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">What about taxes? Debt fund income <\/span><span data-preserver-spaces=\"true\">is taxed<\/span><span data-preserver-spaces=\"true\"> as ordinary income. But here\u2019s the twist: It\u2019s also liquid and predictable, which makes it an ideal funding source for tax-advantaged strategies like cost segregation, oil and gas, or conservation easements. Many investors use their debt income to <\/span><em><span data-preserver-spaces=\"true\">fuel<\/span><\/em><span data-preserver-spaces=\"true\"> their tax advantage investing elsewhere.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Is now a good time to invest in debt funds? Yes. With equity deals harder to pencil, <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/cap-rate-real-estate\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">cap rates<\/span><\/a><span data-preserver-spaces=\"true\"> compressed, and bank rates falling, properly structured debt funds are emerging as the smart bridge strategy, helping you grow and protect capital <\/span><em><span data-preserver-spaces=\"true\">while<\/span><\/em><span data-preserver-spaces=\"true\"> waiting for <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-home-equity\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">equity<\/span><\/a><span data-preserver-spaces=\"true\"> to reprice.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Remember: Every dollar you keep idle is losing to inflation. But every dollar invested smartly can build momentum now <\/span><em><span data-preserver-spaces=\"true\">and<\/span><\/em><span data-preserver-spaces=\"true\"> position you for the next move. That\u2019s how high-level investors create flexibility without sacrificing growth.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Final Thoughts: Predictable Wealth Is a Choice<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Most accredited investors optimize for returns. But millionaire investors optimize for consistency.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> isn\u2019t about giving up equity. It\u2019s about building your foundation.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">When you use debt funds strategically, you stabilize income, protect principal, and unlock compounding in a way most investors never see. You don\u2019t have to wait for equity deals to build momentum\u2014you can start compounding today.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Want to run the math on your portfolio? <\/span><span data-preserver-spaces=\"true\">Or <\/span><span data-preserver-spaces=\"true\">see<\/span><span data-preserver-spaces=\"true\"> how debt funds could fast-track your path to predictable income?<\/span><span data-preserver-spaces=\"true\"> DM me here on BiggerPockets to talk strategy, compounding, and how to make your money move, without unnecessary risk or complexity.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Consistency beats complexity. Let\u2019s map your next three investing moves\u2014no guesswork required.<\/span><\/p>\n\n\n\n<div id=\"hero-block_4a709dd6e902cab22cca63a45fceb31b\" class=\"first:mt-0 hero-block py-4    has-background has-slate-300-background-color has-text-color has-slate-800-color\">\n    <div\n        class=\"gap-10 lg:gap-20 flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 lg:w-2\/3 \">\n            <main class=\"py-4\">\n                \n\n<p class=\"has-theme-slate-color has-text-color has-large-font-size\"><strong>Protect your wealth legacy with an ironclad generational wealth plan<\/strong><\/p>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-theme-slate-color has-text-color\" style=\"font-size:16px\">Taxes, insurance, interest, fees, bills\u2026how can you acquire wealth, let alone pass it down, when there are major pitfalls at every turn? In <em>Money for Tomorrow<\/em>, Whitney will help you build an ironclad wealth plan so you can safeguard your hard-earned wealth and pass it on for generations to come.&nbsp;&nbsp;<\/p>\n\n\n\n<div id=button-custom-event-block_fb4c99af08e5ed190f82d43602cc865b class='button-custom-event'>\n      <a\n    href=\"https:\/\/store.biggerpockets.com\/products\/money-for-tomorrow\"\n        x-on:click=\"window.analytics.track('Blog Block | Publishing: WWC', {\n      referrer: 'https:\/\/www.biggerpockets.com\/blog\/why-debt-funds-may-be-the-millionaire-shortcut-you-are-overlooking',\n    });\"\n    class=\" btn-shape inline-block no-underline has-background has-theme-gold-background-color has-text-color has-white-color\" target=\"_blank\">Get Your Copy<\/a>\n  <\/div>\n\n            <\/main>\n        <\/div>\n\n                <div class=\"lg:w-1\/3 first:mt-0 relative h-full lg:flex lg:items-center\">\n            <img decoding=\"async\" class=\"object-cover w-full relative z-20 my-0  rounded-md hidden lg:block\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/01\/Untitled-design-62.png\" alt=\"\" title=\"\">\n        <\/div>\n            <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Most investors are chasing the wrong thing. Equity returns are delayed. Savings account interest is fading. And market volatility makes every dollar feel like a gamble.&nbsp; Yet one vehicle quietly [&hellip;]<\/p>\n","protected":false},"author":214306,"featured_media":185238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7399],"tags":[],"class_list":["post-185241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diversifying-investments"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/185241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/214306"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=185241"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/185241\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/185238"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=185241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=185241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=185241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}