All Forum Posts by: Luther Wilson III

🔑 Are you a real estate investor looking to maximize your cash flow and secure long-term success? 🔑

With over a decade of experience in the Kansas City market—both as an investor and a broker—I’ve helped countless investors build strong portfolios, avoid costly mistakes, and achieve sustainable, long-term cash flow.

I’m now offering 1-on-1 consulting sessions to share the strategies and insights that have worked for me and my clients. Whether you’re just starting out or looking to scale, I can help you:

---> Optimize your financing strategies, including seller financing and long-term loans

---> Identify the right properties for long-term cash flow

---> Avoid common investor pitfalls that can derail your progress

Let’s work together to unlock the full potential of your real estate investments!

📲 Book your 30-minute consultation now for personalized advice on how to take your investing to the next level. DM me or visit https://lnkd.in/gfDvR7KP to schedule!

🔑 Looking to Grow Your Investment Business with the Right Financing? 🔑

As a real estate investor, having access to liquid capital and the ability to borrow is critical for long-term success. Whether you’re looking to refinance into long-term financing or need short-term funding for acquisitions and renovations, having reliable financing options in place is what sets top investors apart.

But here's a pro tip: It's not just about your own capital. Joint Venture (JV) Partnerships can be an absolute game changer! Partnering with capital investors or seasoned operators allows you to expand your portfolio faster and or take on larger, more lucrative projects.

🚀 Imagine this: One partner provides the funding, and you bring your expertise in deal sourcing, management, and operations. Together, you create a win-win investment model that’s built for growth.

If you're looking to expand your business, let's talk! I can help you secure the financing you need, and if you're interested, we can explore how JV Partnerships can take your real estate investing to the next level. 💼🏡💰

📢 Why Single-Family Homes in the Kansas City Market Are a Smart Long-Term Investment

When it comes to long-term investments, residential real estate—especially single-family homes in stable, ordinary neighborhoods—stands out as a winner. Here's why:

🏠 Consistent Demand: Single-family homes are always in demand. Regular families seek stable and comfortable living environments, making these properties resilient investments regardless of market fluctuations.

💼 Strong Cash Flow: When you purchase properties well and manage them efficiently, you’re setting yourself up for solid cash flow. A well-thought-out investment model can turn your property into a steady income stream for years to come.

🌆 Kansas City—A Prime Market: Kansas City offers an excellent opportunity for real estate investors. The market is thriving, with a great balance of affordability and growth potential. This makes it an ideal location for investors looking to build wealth through real estate.

At Upside Property Services, we specialize in guiding investors through the process of acquiring and managing these valuable assets. Our team is here to help you strategize, build, and maintain a portfolio that ensures long-term success.

Ready to explore the opportunities in Kansas City? Connect with us today to learn how we can help you achieve your investment goals. Let's make smart investments, together! 💼🏠

🛠️ Maximize Your Investment Potential with Expert Guidance on Seller Financing! 💼🏠

As a real estate broker with a deep focus on real estate investors, I understand that every transaction is a piece of your long-term strategy. That’s why I spend a significant amount of time consulting with my clients on how to structure and handle seller finance transactions effectively.

Why Seller Financing?

Enhanced Deal Control: We set the terms, interest rates, and payments to meet what residents can afford and match what the market will bear.

Expand Your Buyer Pool: Seller financing can attract buyers who may not qualify for traditional loans, increasing the marketability of your properties.

Steady Income Stream: Enjoy more predictable cash flow without the management headaches of a rental property.
What I Offer:

Personalized Consultation: We’ll work together to craft a seller finance transaction that’s profitable and aligned with our investment model.

Strategic Structuring: I’ll guide you through the complexities of these transactions, ensuring your deals are sound and advantageous.

Expert Insights: Leverage my experience to avoid common pitfalls and capitalize on opportunities in today’s market.

By collaborating with me, you’re not just getting a broker—you’re getting a strategic advisor dedicated to optimizing your real estate investments. Whether you’re looking to buy, sell, or create lasting income streams, I’m here to help you navigate the process with confidence.

Let’s work together to build a portfolio that not only meets but exceeds your investment goals. Your success is my priority.

📞 Contact me today to schedule your consultation and start structuring your next successful seller finance transaction.

Real Estate Investors Who Are Actively Looking or Already Operating in the Amazing Kansas City Market:

Plug in with us as we move & groove through this new economy. Single-family homes in B-class areas have been and will continue to be a solid move for investors who intend to acquire and keep properties for the long haul.

Why upgrading how you invest or adding another weapon to your arsenal may be worthwhile? Imagine a smarter, simpler way to grow your portfolio:

Cut out the stress and start earning faster.

Forget about lengthy project approvals or drawn-out renovations.

Say goodbye to short-term debt headaches.

No more scrambling to repay a hard money loan in 6 to 12 months.

Avoid the risk of over-budget, delayed construction projects.

Keep your focus on long-term cash flow, with no pressure to refinance or resell in just a year.

Here’s another example of a property that would make a strong investment opportunity:

103 N Charlotte St, Independence, MO 64054
MLS #: 2488097
Listing courtesy of the Shaun Ashley Team – RE / MAX Heritage

Current list price: $221,900.

This home has 3 bedrooms, 2 bathrooms, a 2-car garage, a full basement and it was built in 1968; Square footage approx. 1,570

The estimated out-of-pocket costs for a purchase using a non-QM loan; a 30-yr fixed rate at 8% interest:

Down Payment (25%): $55,475
Closing Costs (3%): $6,657
Placement Fee: $10,000
Reserves: $5,000

Total estimated cash needed: $77,132

The total monthly payment (PITI = principle, interest, taxes & insurance) for this investment:

approximately $1,615

Once again, we make this type of investment work for the long term by offering seller financing to residents as opposed to simply renting the property.

As a 10-year lease option here's how the cash flow & ROI could look:

Option fee received: $7,250
Monthly lease amount: $2,015

In this scenario there is approximately $70,000 "left in the deal" or tied up in the property. This type of investment will produce:

Monthly cash flow of approximately $400 =
Year-one ROI: 6.8% cash on cash

A $221,900 home today at that point could be worth $330,000. That is the amount that will be used, from the jump, as part of this transaction. After the lease option residents exercise their purchase at or before the 10-year period, you will receive a very large, back-end payout.

Plug in so you can learn more about how you can invest in real estate and grow your portfolio. If you would you like to figure out how you can create more residual income, i.e. cash flow from investments or private funding then connect with me on YouTube, Instagram, and Facebook as well.

Buy & Hold and Cash Flow investors who have the Kansas City market in your radar:

Why purchasing move-in-ready single-family homes is a solid move right now?

Caveats: When purchased well and managed efficiently; using an investment model that creates more sustainable monthly or quarterly cash flow for the long term?

Significantly less time and stress involved in getting revenue.

No lengthy scope of work to have been approved or completed.

No short-term debt necessary.

No hard money loan to pay back in full within 6 to 12 months.

No renovation or construction project to go over budget and past the deadline on.

No need to refinance or resale within one year.

Here’s another example of a property that would be a good one:

7614 Elm Ave, Raytown, MO 64138
MLS #: 2493668
Listing courtesy of Regina Drone – Regina's All Access Realty LLC

Current list price: $219,000.

This home has 4 bedrooms, 2.5 bathrooms, a 2-car garage, a full basement and it was built in 1968; Square footage approx. 2,896

Here are the estimated out-of-pocket costs for a purchase using a non-QM loan; a 30-yr fixed rate at 8% interest:

Down Payment (25%): $54,750
Closing Costs (3%): $6,570
Placement Fee: $10,000
Reserves: $5,000

Total estimated cash needed: $76,320

The total monthly payment (PITI = principle, interest, taxes & insurance) for this investment:

approximately $1,625

How do we make this type of investment work, for the long term? By offering seller financing to residents as opposed to renting the property.

As a 10-year lease option here's how the cash flow & ROI could look:

Option fee received: $6,500
Monthly lease amount: $2,125

In this scenario there is approximately $70,000 "left in the deal" or tied up in the property. This type of investment will produce:

Monthly cash flow of approximately $500 =
Year-one ROI: 8% cash on cash

Remember, once the lease option residents exercise their purchase at or before the 10-year period, you will receive a very large, back-end payout, which can then be 1031 exchanged, reinvested or simply enjoyed some other way. A $219,000 home today at that point could be worth $325,000.

It's a different ball game now. Plug in with us as we maneuver through the shifts & newness of the market. Learn how you can create more residual income & cash flow from real estate for 2024 and for years to come.

Combining good financing with private capital, using a real estate investment model that’ll pay more consistently and stand the test of time.

Here’s what you can expect working with me. My clients and partners receive these outcomes, when the plan is followed:

Safe placements into secure investments

Emphasis on stable residential real estate

More seamless acquisition process

Achieve revenue within 3-6 months

Greater productivity and reduced management costs

Monthly or quarterly cash flow well into the future

Continuous support to improve time & money efficiency

Higher returns over the long haul

🔑 As a real estate investor, finding the right property is just part of the battle. The other part? Securing the financing to make that investment a reality.
In today’s fast-paced market, having your capital lined up before you even start your search isn't just smart—it's crucial. Here's why:

1. Speed & Confidence in a Competitive Market
The real estate market moves quickly. Without financing in place, you risk losing out to other investors who can make offers with confidence. By securing your capital ahead of time, you can act fast when the perfect property comes your way, negotiate better deals, and close quickly—often a deciding factor for sellers.

2. Strategic Planning & Better Deals
When you know your financing options upfront, you can plan strategically. Whether you’re aiming for a cash flow property, a value-add project, or a long-term hold, understanding your financial limits and opportunities allows you to target properties that fit your investment model. This strategic approach often leads to better deals and more profitable outcomes.

3. Flexibility to Navigate Unexpected Opportunities
Real estate investing is full of surprises—sometimes good, sometimes challenging. Having capital or financing lined up gives you the flexibility to pivot quickly. Whether a property needs unexpected renovations or an unlisted gem hits the market, being financially prepared means you're ready to seize opportunities as they arise.

Common Loan Types for Today's Investors
In the new economy, traditional loans are no longer the only game in town. Here are two of the most common loan types that real estate investors are leveraging today:

🔹 Non-QM Loans (Non-Qualified Mortgages)
- What They Are: Non-QM loans are designed for investors who don't fit the strict criteria of conventional loans, such as self-employed individuals or those with complex income streams.
- Benefits: These loans offer more flexibility in terms of income documentation, credit scores, and property types. They are ideal for investors looking to scale quickly or those who might not qualify for traditional financing.

🔹 Purchase/Renovation Loans
- What They Are: These loans provide the funds not only for purchasing a property but also for the renovations needed to add value and increase equity.
- Benefits: Ideal for fix-and-flip or buy-and-hold investors, these loans can cover up to 100% of renovation costs, allowing you to transform properties and increase your returns with less out-of-pocket expense.

Conclusion: Be Prepared, Be Profitable
By securing your capital or financing early, you position yourself to take advantage of opportunities with speed and confidence. Understanding the range of loan products available to you, like Non-QM and Purchase/Renovation loans, equips you to tailor your investment strategy to today's market conditions.

🔗 Ready to get started? Contact me today, explore your financing options & prepare for your next great investment.

One of my specialties is helping investors maximize their portfolios through innovative financing strategies. Whether you're a seasoned investor or new to the game, understanding seller financing can open doors to opportunities that traditional financing might not offer. In this YouTube video I dive into some of the nuances of seller financing, offering valuable insights and practical tips for investors and property owners alike.

With years of experience and a deep understanding of creative financing, my associates and I are dedicated to guiding investors through the intricacies of real estate transactions. We believe that the most successful investors are those who leverage creative strategies like seller financing to achieve their long-term financial goals, regardless of market conditions.

Plug in so you can learn more about how you can invest in real estate and grow your portfolio. If you would you like to figure out how you can create more residual income, i.e. cash flow from investments or private funding then connect with me on LinkedIn, Instagram, and Facebook as well.

Check out my latest YouTube video:  

 In it I talk about where I see some solid opportunities for buy & hold investments in the Kansas City market. Here are notes from the video:

Over the last couple years real estate practitioners have had to adapt in order to stay relevant and active. In this video I talk about what is now my main focus as a real estate professional. I have learned a ton from clients, mentors, business partners and colleagues over the years. Where we have experienced the best success is with buy & hold and cash flow investments that are held for years.

A very large portion of these have been single-family homes in what may be considered "B-class" locations. I dig deeper into 3 ways that investors can place capital or purchase these types of investment properties in the Kansas City area today:

1. Fixer uppers - value add / BRRR
2. Notes - seller financed - performing / non-confirming
3. Move-in-ready - livable / turnkey

This is where we see solid opportunities, right here in the Kansas City market. The biggest being way #3.

Are renovation projects or fix & flip properties worth it in the long run for investors in today's economy? They may be okay for those who are skilled in construction or project management. How about repeatedly, over an extended period of time, though? Maybe. But for the everyday part-time investor? Maybe not.

Figuring out how to efficiently utilize capital and financing for real estate investments is such a critical part of the business. Keys to this is knowing how much liquid capital is available to deploy, what are the terms of its usage, and how long the capital may be tied up. Understanding this, up front, determines how we can place or invest that capital.

Having a sound game plan and a proven investment model is a biggie, too. One way to make the whole process more effective is to partner or work with seasoned operators and practitioners with experience in the space.

Plug in so you can learn more about how you can invest in real estate and grow your portfolio. If you would you like to figure out how you can create more residual income, i.e. cash flow from investments or private funding then connect with me on LinkedIn, Instagram, and Facebook as well.