I Would Love For You to Reply...

Happy Friday Roots Community!

Please take 3 minutes to read the story below, and let me know what you think of this story:

Awhile back, my team had a client reach out from out of state with the goal of investing in Indianapolis.

On our intro call, they shared five non-negotiables:

1. It has to cash flow

2. I need to be able to add value

3. I want passive income

4. B-class neighborhood or better

5. Must be a multifamily

My response?

There’s really only one strategy that checks all five of those boxes at once—and that’s house hacking. Living in one unit, renovating the other, rotating tenants, adding value, and eventually moving out.

I’ve seen this work. This year alone, a client refinanced and pulled out roughly the equivalent of their annual salary.

But that’s not what this client meant.

They had been told—by books, media, and even another agent in my market—that all five goals could be achieved remotely, without sacrifice.

That’s just not reality.

Not because of interest rates.
Not because of Indianapolis.

It’s because adding value is harder from a distance, and most real wealth in real estate is created through value-add.

So instead of forcing a “perfect” deal, we adjusted the strategy.

For their first purchase, we focused on stable, tenant-occupied assets with upside. Properties in the ~$140k–$165k range, near the 1% rule, with rent in place from day one—before the first mortgage payment was even due.

That led us to a better opportunity.

We closed on a 12-unit portfolio:

• 10 units fully leased and producing

• 2 single-family homes with light value-add potential

Did it check every box on day one? No.
Did it work? Absolutely.

Fast forward two years.

I recently checked in and asked how things were going. Their response:

“It’s going perfectly. I wouldn’t trade these properties for anything.”

They’re still living in California.
They never house-hacked.
And they own a clean, well-running portfolio—because they were willing to adjust their expectations instead of chasing promises.

So if you needed to hear this today, here it is:

The play right now isn’t perfection.
It’s buying achievable, headache-light assets with room to grow. Do you agree??

We’re currently working on another portfolio that fits that exact mold—one value-add property, multiple tenant-occupied rentals near the 1% rule, and strong depreciation potential for W-2 buyers.

If you want to walk through it, just reply to this email.

— Max

Your Next Insurance Stop…

$1.25 Million for the Portfolio

(Everything Below Included)

Long Term Rentals:

How Can You Finance This Deal??

Book a call with our partner Seth Wilcock to find out 😉 Seth just came on our podcast to drop some serious investor/financing game, and you WILL learn something if you give it a watch. Truly, he’s an incredibly Mortgage Loan Officer and person, and you should consider him on your next deal:

I truly value and appreciates everyone who reads this far. Hope you liked today’s story and portfolio offer. Let me know what you thought!