Julie Knight is building real estate alongside her career — not in place of it.By day, she works in public sector economic development. By night and on weekends, she builds rental properties and long-term partnerships. In 2021, she made a pivotal shift: instead of selling a home when relocating, she chose to rent it.

That decision shifted her mindset from housing to wealth building.

Julie bought her first home in 2013 and later sold it — a move she regretted. In 2019, when relocating again, she kept the property as a rental.

What she did:• Hired a property manager immediately• Rented the home within weeks• Stayed focused on her nine-to-five• Committed to buying at least one property per year starting in 2021

She later purchased a rental in Montgomery, Alabama for $138,000 (20% down). It rents for about $1,400 per month.

Why Montgomery?• Deep market familiarity• Strong demand (colleges and military)• Lower prices• Landlord-friendly laws

She used her W-2 income to fund the investment.

Julie works full-time, mostly remote.

Her reality:• Evenings and weekends• ~5 hours of sleep• Early information overload• Strong discipline

She sees this as a short-term sacrifice for long-term freedom.

Key principles:• Protect job performance• Focus on the next best move• Avoid past mistakes• Think long-term

Investing from DC/Maryland into Alabama, she relied on:• A property manager who was also a broker• 20+ years of local experience• A strong contractor network

Trusted partnerships made long-distance investing possible.

Julie stresses discipline over speed.

Her advice:• Live below your means• Track spending• Separate fixed vs. discretionary costs• Measure net worth

She also recommends partnering to lower entry barriers.

“What gets measured gets improved.”

Beyond rentals, she invests through partnerships and development.

For passive investors:• Vet operators thoroughly• Understand underwriting• Prioritize character and alignment

“You’re not just choosing a deal — you’re trusting someone with your reputation.”

Dare to Lead – Brené Brown

Leadership and emotional discipline matter in real estate and partnerships.

• Use your W-2 as your acquisition engine• Turn relocations into wealth decisions• Invest where you have insight• Build aligned partnerships• Choose consistency over intensity

Julie Knight is still working full-time — building steadily, one property at a time. Financial security is built with discipline.

How to Invest in Real Estate While Working Full-TimeBalancing Career and InvestingBuilding the Right TeamStarting with Limited Money or TimePassive Investing PrinciplesBook RecommendationKey Takeaways

Website: https://ericlindseyml.com/

Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation

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https://linktr.ee/ericlindsey

If you’re a high-income W-2 professional or business owner wanting real estate exposure without leaving your career, this episode is for you.

Scott Carson explains how note investing lets you act as the bank — earning passive returns without tenants, rehabs, or daily management.

💼 How to Invest in Real Estate While Working a Demanding Career

Most professionals don’t lack income — they lack time.

Buying distressed mortgage debt at 50–60 cents on the dollar allows you to:

• Be the lender, not the landlord
• Control debt without managing property
• Turn non-performing notes into performing assets
• Generate strong returns with minimal operations

After 12 months of payments, notes can sell at 80–90 cents on the dollar — often without owning the property.

🎯 Rules for Balancing Business and Life

There is no perfect balance. There are seasons.

• Schedule family first
• Fit business around life
• Focus on one niche
• Communicate with your partner
• Protect rest intentionally

🧭 Advice for Part-Time Investors

Active Investors:
• Learn financing
• Build capital relationships
• Master one niche
• Find a mentor

Passive Investors:
• Understand the deal structure
• Check the operator’s track record
• Know return splits and exit timelines (12–36 months)

Balancing Career, Life & Real Estate:

• Accept slow early progress
• Use evenings/weekends wisely
• Protect your primary income
• Use W-2 or business income as leverage

If Time or Money Is Limited:

Start small:
• Self-directed IRA
• Partial note purchases
• Passive fund positions
• Local investor groups

Servicers and attorneys handle most of the work.

Why Passive Investing Works:

• Earn from discounted debt
• Benefit from restructured payments
• Exit once stable
• Share in backend upside

This episode is for professionals, business owners, beginners, and passive partners.

Pursue financial security, not job security.

Building real estate wealth doesn’t always start with momentum, capital, or clarity. Sometimes it starts with getting knocked flat on your face. In this episode, Scott Carson shares what it actually looked like to build a real estate business while working long hours, learning on the fly, and doing whatever it took to stay afloat. Before becoming a nationally recognized note investing expert, Scott went through layoffs, rental property stress, and years of grinding behind the scenes — all while educating himself nights and weekends.

This conversation is a blueprint for high-income earners and business owners who want to invest in real estate without quitting their job too early.

How Scott Carson Built His Real Estate Skill Set While Working Full-Time 🛠️📚

Scott bought his first rental property in 2001 and quickly learned how fragile early investing can be. After getting laid off — and having tenants lose their jobs — he went from investor to distressed borrower almost overnight. Instead of quitting, he rebuilt by starting a mortgage company and traveling nationwide doing loans for real estate investors.

While working full-time, Scott treated education like a second job. He attended conferences, learned from experienced investors, brought manuals home, and studied constantly. He turned his car into a classroom with books, tapes, and CDs, using every spare moment to understand how real estate truly works.

Key Takeaways for High-Income Earners and Business Owners Investing on the Side 🎯💡

One of Scott’s biggest breakthroughs was realizing that lack of capital wasn’t the real obstacle. Like many professionals, he believed he needed his own money to do deals. That changed once he learned how private money works.

Scott shared that roughly 95% of the deals he’s done over the last 15 years were funded using other people’s money, including retirement accounts and idle capital. That realization removed the ceiling many working professionals unknowingly place on themselves and allowed him to make more offers without being limited by personal savings.

Why Note Investing Became Scott Carson’s Focus 🧾🏘️

Scott was introduced to the note business through mentors in the mortgage industry who taught him creative financing and how notes are structured. While many investors focus on owner financing, Scott went deeper and learned how to buy non-performing notes — loans where borrowers haven’t paid for six months or longer.

By calling banks and lenders directly, Scott began receiving lists of distressed residential and multifamily debt. Instead of chasing properties, he focused on buying the debt tied to them, which let him see opportunities earlier than traditional investors — especially during downturns.

Rules of Thumb for Balancing Business and Life ⚖️🗓️

Scott doesn’t sugarcoat the early years. While learning the business, he worked full-time, waited tables, traveled to conferences, and built investor relationships. His wife supported the journey, and real estate became a shared long-term goal.

There wasn’t balance early on — there was commitment. Scott treated this phase as temporary, knowing short-term sacrifice was required to create long-term opportunity. For professionals starting today, the lesson is clear: progress often comes before comfort.

The Breakthrough That Created Real Momentum 📞🔥

Scott’s first major traction point came from direct action. After leaving the mortgage business, he began calling asset managers daily — often making 50 to 100 calls. He tracked conversations, learned his conversion ratios, and treated outreach like a skill to improve.

Website: https://ericlindseyml.com/

Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation

Click On The Link Below For More Information About Eric Lindsey:

https://linktr.ee/ericlindsey