In this episode, I chat with Chad Harris, a former missionary turned full-time real estate investor, who’s quietly mastered the art of building a rental portfolio without ever using traditional bank financing. Chad walks us through how he raised millions in private money—starting with zero savings and a $2K/month income—and why less interest is actually more attractive to lenders.

From structuring win-win deals to understanding what private lenders actually want, Chad breaks down his strategy with a calm, no-hype approach that cuts through the noise. If you’ve been scared to ask for money, or you’re stuck using your own cash, this episode will completely change how you think about raising capital.

[Timeline Summary]

[0:00] – Introduction

[1:01] – Why higher interest rates actually scare off private lenders

[2:06] – Chad’s journey from rural Kenya missionary to real estate investor

[3:33] – No savings, no job, no bank—but a vision that convinced others to fund him

[4:32] – Helping others become investors through lending

[6:12] – Where to find private lenders (hint: they’re everywhere)

[8:21] – Why 6–8% is a gift to most retirees and stock investors

[9:18] – The 3-part pitch Chad uses every time to start the private money conversation

[11:08] – 37+ places to find lenders (free resource)

[12:17] – Why Chad chose rentals over flips or wholesale

[14:10] – How he generated cash at acquisition and refinance without using banks

[17:03] – The turning point: when cash flow pressure finally eased up

[18:22] – The lender mindset shift: lower rates = lower risk = more money raised

[22:10] – The case for 10-year, interest-only loans

[25:05] – How to work with Chad or learn more from him directly

5 Key Takeaways

1. Higher interest ≠ more money. Lenders see high rates as high risk. Lowering rates actually increased Chad’s capital access.
2. Private money is everywhere. Most people don’t know they can be lenders—until you show them how.
3. Longer terms, less chaos. Chad now uses 10-year, interest-only loans to reduce stress and balloon headaches.
4. Start with your story. Use a simple “why, what, how” pitch to build interest and trust with new contacts.
5. You don’t need a bank. Chad built an 80-door portfolio using only private and seller financing—and teaches others how.

Links & Resources

• Free guide: 37+ Places to Find Private Lenders
• Learn more or work with Chad: TrueWealthInvestors.com
• Need financial clarity in your business? SimpleCFO.com

Enjoyed this episode? Don’t forget to follow, rate, and review the show—and share it with someone who thinks they need a bank to build wealth.

In this episode, I sit down with Isabelle Guarino, CEO of Residential Assisted Living Academy, to talk about one of the most overlooked and impactful real estate investment opportunities in the market today. We dive deep into how owning and operating a residential assisted living home can create lasting income, build generational wealth, and provide critical care for a rapidly growing aging population.

Isabelle shares how her late father pioneered the RAL movement, how the industry exploded during COVID as families turned away from big-box facilities, and why this business model is not just recession-resistant—but recession-proof. From licensing to staffing, cash flow to exit strategies, this episode is packed with real-world insights and an inspiring mission: to do good and do well.

[Timeline Summary]

[0:00] – Introduction

[1:45] – COVID exposes flaws in big-box senior care and boosts small-home demand

[3:01] – How one student opened two homes—and filled them within months

[4:15] – Why most RAL investors end up selling everything else to go all-in

[6:25] – Big-box vs. boutique care: The numbers that reveal the quality gap

[8:02] – Do you need a license? The truth about roles, regulation, and how it works

[10:05] – Four ways to get started: build, buy, convert, or lease

[11:07] – The cash flow math: How 10 residents at $5,500/month adds up

[13:49] – How RAL Academy trains you to scale with staffing, licensing, and funding

[16:00] – Marketing that fills beds: Facebook buzz, placement agents & more

[18:48] – It’s not just income—it’s a real, sellable business + real estate play

[22:18] – Why this model is steady through recessions and economic chaos

[24:32] – Impact first, money second: how mission drives this model

[27:00] – How to get started: training, resources, and what to expect

Links & Resources

• Learn more and get started: RAL101.com
• Isabelle’s organization: Residential Assisted Living Academy
• Want help organizing your business finances first? Visit SimpleCFO.com

If this episode opened your eyes to a new path in real estate, don’t forget to follow, rate, and review the show. Share it with someone who’s ready to invest with purpose—and build a legacy while they’re at it.

In this episode, I sit down with Mike Webb—firefighter, real estate investor, and co-founder of Jump Capital—to talk about the moment life forced him to stop… and how it reset everything. After a terrifying medical event took him out of commission for months, Mike shares what it taught him about being intentional, building a real business (not just a job), and why profit without purpose means nothing.

We get into how his business survived without him, the power of partnerships, and how Profit First helped him and his partner Bill Kenny finally pay themselves on purpose. Whether you’re chasing financial freedom or just trying to stop the entrepreneurial chaos, Mike’s story is a powerful reminder of what matters most.

[Timeline Summary]

[0:00] – Introduction

[1:09] – Mike’s dual identity: firefighter and financial freedom builder

[2:36] – A sudden brain bleed, ICU stay, and a forced five-month reset

[5:21] – Why their business didn’t collapse—and how they built it to survive

[8:10] – The “wild card” test: how Bill stepped up when Mike was down

[13:18] – From flippers to lenders: their pivot into more sustainable income

[16:00] – What finally pushed them to hire a CFO and how it changed everything

[18:46] – Profit First in action: going from random paydays to intentional salaries

[22:32] – Building a business you can run with a laptop and a phone

[26:24] – The real “why” behind it all: Mike opens up about fatherhood, family, and legacy

[32:05] – Where to find Mike, and why you should follow his journey

Links & Resources

• Mike’s lending company: Jump Capital
• Learn more or book a CFO: SimpleCFO.com

If this episode hit home for you, do me a favor—rate, follow, and share this podcast with someone who needs it. And don’t forget to leave a review if you got value from today’s conversation.