In this episode, I sit down with Kevin Choe—a 23-year-old real estate investor who’s done over 150 deals using creative finance, all within two years of getting started. Kevin opens up about his humble beginnings, dropping out of college, scraping together stimulus checks for mentorship, and how that leap of faith changed his life.

We dive deep into the mindset, systems, and strategic shifts that helped him rise from $100 to $15K/month—and then to building a scalable business with seller-financed multifamily deals. Kevin shares what it means to bet on yourself, why mentorship was worth every penny, and how bringing in a CFO helped him step fully into the visionary role of his business.

Episode Timeline

[0:00] – Introduction

[1:04] – Why Kevin hired a CFO at 23—and what it did for his growth

[3:55] – How wholesaling got him to $15K/month—and why that wasn’t enough

[5:47] – Two years of struggle before the big breakthrough

[7:01] – 3 game-changing factors that helped Kevin explode his business in 2023

[10:07] – From community college dropout to creative finance expert

[12:06] – How stimulus checks and desperation led to investing in mentorship

[14:02] – The real ROI of mentorship—and how it saved him years of trial and error

[19:13] – The mindset shift: going all-in when there’s no Plan B

[21:32] – Hiring a CFO early to gain clarity, freedom, and scale

[25:21] – Transitioning into seller-financed multifamily and scaling up

5 Key Takeaways

1. You don’t need experience—you need hunger. Kevin built his business from nothing with grit and focus.
2. Creative finance is a superpower in today’s market. Mastering it opened doors no traditional strategy could.
3. Mentorship changed everything. The right guidance fast-tracked his success and rewired his mindset.
4. Financial clarity is key. Bringing on a CFO gave him the tools to scale without chaos.
5. Belief beats backup plans. Betting on himself was the catalyst behind every big move Kevin made.

Links & Resources

• Follow Kevin on Instagram: @thekevinchoe
• Need help managing your money as you scale? Visit: www.simplecfo.com

If Kevin’s story inspired you, don’t forget to rate, follow, and review the show—and share this episode with someone who’s ready to bet on themselves and go all-in.

In this episode, I welcome back my good friend and legendary note investor, Eddie Speed. With over 50,000 notes purchased and more than 25 years of teaching under his belt, Eddie is known as the “Note King” for a reason. If you’re a tired landlord looking for less stress and more cash flow—or if you’re simply seeking a smarter, more passive way to invest in real estate—this episode is going to open your eyes.

We dig into how note investing compares to traditional rentals, why now is the perfect time to pivot, and what makes a “good” note in today’s economy. Eddie also shares insider strategies on seller financing, leveraging, and how to generate long-term passive income without the tenant headaches.

Timeline Summary

[0:00] – Introduction

[1:17] – Why more landlords are ditching rentals and turning to note investing

[2:22] – What’s wrong with today’s rental math—and how notes solve the problem

[3:06] – What is a “note,” and how it makes you the bank (not the landlord)

[4:40] – $250K in rentals vs. $250K in notes: a cash flow comparison

[5:54] – How seasoned investors are converting entire portfolios to seller financing

[7:00] – The current market cycle: Why we’re in a “note era” not a rental one

[10:21] – The formula for a “good” note: Property, buyer, and sticky payments

[12:23] – How Eddie created a marketplace for burnout landlords to transition to notes

[13:35] – The built-in cushion notes provide vs. rental property risks

[15:16] – What most investors actually want: time back and risk-managed returns

[20:15] – Leveraging techniques for when you run out of money

[23:13] – How to join Eddie’s free note masterclass for Profit First listeners

[26:32] – The #1 business stressor Eddie warns investors about: bad accounting

5 Key Takeaways

1. Note investing provides better cash flow with significantly less stress than rentals.
2. Now is a prime time to be in notes—especially as inflation eats into rental profits.
3. Good notes start with good properties and qualified buyers—there’s a formula.
4. Eddie has created a marketplace and training for landlords to transition with support.
5. Financial systems matter: poor accounting has caused more losses than bad deals.

Links & Resources

• Free Masterclass for Profit First listeners: NoteSchool.com/ProfitFirst
• Want to get your finances in order? Visit www.simplecfo.com

If you’re feeling the squeeze in your rental business or just want a more passive path to financial freedom, don’t miss this one. Be sure to rate, follow, and share the podcast if you got value from this episode. Let’s help more investors go from burnout to bankable!

In this eye-opening episode, I bring back Mark Willis, a certified financial planner and expert in non-traditional wealth strategies, to discuss one of the most overlooked wealth-building tools for real estate investors: dividend-paying whole life insurance—also known as the “Bank On Yourself” concept. Mark shares how you can leverage this strategy not just for life insurance, but to create tax-free income, fund your investments, and even replace traditional rentals with guaranteed returns.

If you’re tired of the uncertainty of tenants, toilets, and taxes—or you’re looking to diversify your portfolio while protecting your wealth—this episode is a game changer. We cover the powerful ways to use whole life insurance for liquidity, tax efficiency, and even legacy planning. Get ready to look at your financial strategy in a whole new way.

Timeline Summary

[0:00] - Introduction

[2:13] - The surprising benefits of using whole life insurance as your personal bank

[4:11] - Why life insurance and real estate investing go hand in hand

[5:07] - The real reason this strategy isn’t widely taught—and who’s keeping it under wraps

[9:23] - How Mark used his own policy to buy a car and save $8,000 in interest

[13:02] - A tax-saving strategy to offset rental income using whole life cash value

[15:27] - Tired of tenants? Mark explains how annuities provide guaranteed passive income

[22:36] - How to use a 1035 exchange to convert life insurance into lifetime income

[26:38] - What to do with a windfall: life insurance vs. annuities

[29:16] - Why Profit First and Bank On Yourself make the perfect wealth-building combo

5 Key Takeaways

1. Whole life insurance isn’t just for death benefits—it’s a powerful financial tool that grows tax-free and can be used to fund real estate investments.
2. You can borrow against your policy while it continues to earn interest, giving you financial leverage without sacrificing compound growth.
3. This strategy is often ignored by traditional advisors because of conflicts of interest with Wall Street-driven products.
4. A 1035 exchange allows you to move funds from life insurance to an annuity, creating permanent, tax-free income in retirement.
5. Pairing Profit First with Bank On Yourself gives business owners and investors a high-control, high-impact way to manage cash and build wealth.

Links & Resources

• Book a strategy call with Mark: KickstartWithMark.com
• Learn more about Profit First for REI: SimpleCFO.com

If this episode helped shift your thinking or opened your eyes to new possibilities, don’t forget to rate, follow, and leave a review. And of course, share this episode with another investor who needs to hear it!