7 Solutions for You To Turn Your Investing Adversity into Abundance

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Welcome to From Adversity to Abundance, the go to podcast for real estate entrepreneurs seeking not just to thrive, but to conquer with resilience and mental sharpness. Each week, join us as we dive into the compelling world of real estate through the lens of mental fitness, where challenges transform into opportunities. Get ready to transform your mindset and expand your understanding of what it takes to succeed in real estate. Let's explore these stories of triumph and resilience together. 

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This This episode is gonna be a little bit different than the typical interview episode that we do. In this episode, I'm going to go through the offerings that Labrador Lending has for our clients and the ways that we add value to you. You can think of this as helping you overcome financial adversity and getting to financial abundance. I'm gonna run through seven things that we offer at Labrador Lending to help you reach your financial goals. First off, the Integrity Income Fund. This fund is an opportunity for accredited investors. If you're not sure what that is, Google it. And it's an opportunity for those accredited investors who are looking to put their money to work. So we've been operating the Integrity Income Fund, which is a mortgage note fund, for two and a half years now, and we have not not missed a single distribution, a single monthly payment. The fund offers a targeted preferred return of ten percent for investors who put in one hundred thousand dollars or more, and they targeted eight percent annually, for those who put in between twenty five thousand and one hundred thousand. And what the fund does is we go out and purchase primarily first lien mortgage notes, sometimes second lien mortgage notes, sometimes we do lending deals on land. But, primarily, these are mortgage notes, on owner occupied properties often in the Midwest and Southeast, reliable, real estate markets, markets that don't tend to crash or have a ton of upside. And this fund offers monthly payments, cash flow. It's an income fund. It's not a growth fund. If you have more money than you have time or energy and you do not necessarily want to learn to be a mortgage note investor or an active real estate entrepreneur, this fund may be a great fit for you. Again, track record is there. We've been operating this for two and a half years without a single missed distribution, and it's a little bit of a boring fund, to be honest with you. It's not an upside play. There's not a lot of spec speculation, but, it can deliver consistent monthly payments for accredited investors. Next up, number two, the note investing mentorship program through Labrador Lending. So Shante Duffy and I have teamed up. She is a she's we she's been on prior episodes of our podcast. She has a ton of loan servicing experience as well as note fund management experience. She and I meet with newer note investors and some more experienced investors and help them scale their business. So this is for the active note investor who wants to learn how to be a better note investor, how to scale your business. We often build start with by building your buy box, you know, what what notes are you looking for. For example, what assets are you looking for, and that that can vary greatly across investors. And and another thing we often do is is build and refine your due diligence, checklist or process, and then look at ways to scale your business. Oftentimes, the limiting factor is access to capital. So at some point, you may decide to wanna go out and get access to additional capital, other people's money, whether that's in the form of joint ventures, selling partials, creating a note fund, etcetera. These are things that we have experience in and can help you really, cut down that timeline and help with learning curve to get your active business to the next level. Scaling a note business really comes down to there are three main factors. One is access to capital that I already mentioned. The second is access to deal flow or notes, and that's something we can help with as well. We have access to deals. And then the third, leg of the stool, so to speak, is asset management and money management. So management of the aforementioned capital and management of the aforementioned deals or notes. And that's where we really thrive, I believe, is we're very good at managing our portfolio of assets that we that we own. So inevitably, though, it's one of those three or more than one of those three that is holding you back in scaling your business. And we can address we can lean in and figure out which one is the the main limiting factor and how do we how do we solve that problem. So if you are interested in either the integrity income fund or the note investing mentorship program, go to labrador lending dot com and click on investors. We have a page for our active investors for the mentorship program, and we have a page for our passive investors, who may be interested in the integrity income fund. But both avatars, if you will, can find information on labrador lending dot com. Thirdly, Labrador Lending has partnered with Haven Financial. Christine Valdez, I've worked with for several years now. She was also, is a former guest on this podcast, episode seventy, I believe it was, and she tells her her personal story. She runs Haven Financial, and what Haven Financial can do is, really help you clean up your books. And then, I mean, they've been great to work with. They they've helped me with several cleanup projects, with different businesses, and they do my books. They reconcile my books monthly. They also produce customized monthly reports, and then they can help us with budgeting and forecasting as well. And what I really like about working with Christine and her team is that they they don't miss the forest for the trees. So a lot of times, bookkeepers, accountants, very detail oriented people, but that can kinda suck you into the weeds as a business owner, and it's hard to kind of see the big picture. Well, Christine still sees the big picture and can help you with that higher level strategy as well as the detailed bookkeeping. So we've partnered with Haven. And if you click on contact me, bateman james at labrador lending dot com, or we have a link in the show notes of this episode where you can book a call with Christine. And I could not recommend them more highly. The fourth thing that we we offer at labrador lending dot com or or labrador lending, I should say, is is this podcast, From Adversity to Abundance. We've been putting this out weekly for, about two and a half years now. Actually, a little bit over two and a half years. And, man, I mean, you can go back and listen to this. We've had so many great great episodes. We've recently refined or narrowed the the, listener avatar, and I've tried to do a better job of kind of focusing the purpose of the podcast, which is to deliver inspiration and practical value to the active real estate investor out there, specifically through a lens of mental fitness. I've been through a lot personally in the last few years, family challenges, business challenges, and it's really helped me, put front and center the the the the value of mental fitness and just the mental side of things and the and and the human element of of being an entrepreneur. And so we bring on guests who have overcome a tremendous amount of adversity and who've gotten to, quote, unquote, abundance. That takes on many different shapes and sizes. And so I'm very proud of the podcast. You know, it is a labor of love. It does take work. And, but in many ways, I've benefited probably the most of anyone from running the podcast. So from adversity to abundance podcast is another thing that we offer at Labrador Lending. And then tangentially and related is our book, from adversity to abundance, Inspiring Stories of Mental, Physical, and and Financial Transformation. So we have in the book eleven, prior podcast guests who helped me, put together this book that you can purchase on Amazon. There it's available in both paperback and Kindle versions. And we we really just share the powerful powerful narratives so that you can gain insights into your minds shifting your mindset and taking purposeful action that can lead to success. Mark Owens, he was, the first guest on this podcast. He wrote the forward in my book. He is a a former bank robber and drug addict, who turned his life around and was able to retire himself. And now he's I I see him all the time posting on, social media about all the trips he's taking, scuba diving, all this stuff. And it's just amazing what his mindset shift was able to do, how that translated into action and then results for him. And he's just really inspiring. And there there have been so many other, you know, equally inspiring episodes along the way. Well, in the book that you can purchase, we focus on Mark's story and ten other stories. And, I mean, I just can't help but be inspired by, you know, reading and hearing from from, people like that. Number six, at Labrador Lending dot com, you can get a free mortgage note investing ebook. It's seventy four pages. It's five chapters. Truthfully, it's overkill for an ebook. It probably should have been five ebooks, and it's free. And we talk a ton about, how to scale a note business. Is note investing passive or active. There's a lot of lot of material in that chapter. Even things like infinite banking, how you can use the infinite banking concept with along with, mortgage note investing. In the ebook, we go through the the differences between performing and nonperforming notes. We go through specific case studies that are real case studies from, deals that we've done. We compare note investing to rental property investing. We talk about, like I said, passive versus active note investing. What else? We talk about where to find mortgage notes. We talk about how you can help borrowers who are have gone through hard times, how exiting through the borrower and doing a modification or something similar can often be a win win win scenario. And we also discuss, access to capital and ways to scale your note business by putting other people's money to work and helping them while helping yourself. So I highly recommend you go to labrador lending dot com and pick up a free copy. All you gotta do is put in your information, your email address, and you get a free copy of our seventy four page note investing ebook called the power of mortgage note investing. And finally, the seventh thing I'm gonna list here that we offer, and we're gonna have more things coming down the pike. Some we're we're work working on some other partnerships, etcetera. So, for example, in the future, we likely will have a really cool, nonperforming note calculator that we're we have access to. So stick around for that. But the seventh and final opportunity or service that we offer right now through Labrador Lending is an a passive investment opportunity for both accredited or non accredited investors. So the group that we so we serve active mortgage note investors who may be, you know, accredited or not accredited, and that's primarily through our our mortgage note mentorship program. We also serve the passive accredited investor through our integrity income fund. So the the problem is that left out a large group of people who are not accredited, and they still wanna be passive. They don't have the time, or energy to learn to be a mortgage note investor. They don't want to manage a portfolio. They really just wanna put their money to work just like accredited investors are able to do, but they are not yet accredited. And so what we've done to solve that problem is we've partnered with a very experienced investor who offers a co lending program. And right now, the returns are a targeted twelve percent annualized return. We personally I I have invested in this type of structure with with this person who's a very experienced investor, and I've I have nothing but a positive feedback, and every deal we've done has been very good. These are short term, land lending deals, and so the the lending the co the co lending deal, the loan itself is actually secured by land. And the average loan to value is approximately forty percent. So, you know, land notes have pros and cons, as compared to maybe owner occupied notes. Some sometimes the land itself can be harder to comp, harder to value than, you know, say, a row home in Baltimore where there's a hundred other row homes in the neighborhood. But one of the ways that our affiliate mitigates the risk associated with lack of accuracy, in valuing the land is that they don't lend more than forty often forty or fifty percent of the value of the land. So say that the land is valued at a hundred k, this land note, that is originated would be, on average, forty k. So as a passive investor, you can co lend on these land deals that, have an average loan term of four months. Sometimes they're a little bit longer. And oftentimes, you you're getting a a a payoff very quickly, with a targeted twelve percent annualized return for you, the passive investor. And, again, this is a co lending deal with land as your collateral. So, those are seven things that we offer through Labrador Lending. Again, number one is our integrity income fund for accredited passive investors. Number two is our note investing mentorship program. That's for anyone who wants to be an active note investor or already is an active note investor and wants if you wanna take your your note game to the next level. Number three is Haven Financial, an expert bookkeeping team and financial strategy team that has helped us, for several years now. Number four is this podcast, From Adversity to Abundance. Number five is the book that you can purchase on Amazon, From Adversity to Abundance. Number six is our free ebook, The Power of Mortgage Note Investing, available through Labrador Lending dot com. And number seven is the passive investment opportunity, through us and, directly co lending with, someone I've gotten to know very well over the years. If you're interested in any seven of these opportunities, go to labrador lending dot dot com or reach out to me at bateman james at labrador lending dot com. Hope you have a fantastic day. Take care. 

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Thank you for joining us on from adversity to abundance. We hope today's episode has equipped you with valuable insights and practical advice to elevate your real estate journey. For more inspiring stories and resources, visit us at w w w dot adversity to abundance dot com. If this episode has inspired you, please share it with a friend who could also benefit from our conversation. Together, let's turn adversity into abundance. Until next time, keep building your mental fitness and your real estate empire.