A post from Scott Trench, CEO of BiggerPockets, crossed my feed recently and I couldn't stop thinking about it. He was describing a type of real estate investor most people in this space would look at and call successful. Good-sized portfolio. Using cost segregation every year to accelerate depreciation. Running the tax playbook the way you're supposed to. His point was that underneath the surface, the picture is a lot more complicated than it looks. When I read it, I immedia

WHY I'M NOT A SOCIAL MEDIA INFLUENCER Hey [First Name], I was scrolling LinkedIn last week and saw a guy I know posting five times a day. Motivational quotes. Market hot takes. Carousel posts about the seven secrets to wealth. He is crushing it on social media. 150K followers. Thousands of likes on every post. My first thought was: when does he actually run his business? So I checked his track record. Three deals closed. Total. Meanwhile, the operators I know who have done 50

WHY WE DON'T TAKE INSTITUTIONAL CAPITAL I get asked this question a lot. "Devon, why don't you take institutional capital? You could scale faster. Fund more deals. Grow the loan book quicker." The answer is simple: all money is not good money. Let me explain. THE TWO MODELS IN PRIVATE LENDING There are two ways to build a private lending business. Model 1 is institutional capital — banks, funds, credit lines from Wall Street. It gives you access to cheap capital at 7 to 9%, l

What the Aspire Tour reminded me about building wealth the IRS can never touch. Last week I was at the Aspire Tour — a wealth creation event that brought together some of the sharpest minds in personal finance, tax strategy, and alternative investing. I wasn't there to be inspired. I was there to learn something I could apply. I walked away with one thought that I haven't been able to shake: Most people spend their entire lives optimizing what they earn. Almost nobody optimiz

PHOENIX MARKET SHIFT I am seeing something in the Phoenix fix-and-flip market worth your attention. Over the past 90 days, the average loan size at 42 Solutions jumped from $470K to $725K. That is a 54% increase in a single quarter. This is not random. It reflects a fundamental shift in how experienced operators are responding to current market conditions — and it tells you something important about where risk and opportunity sit right now in Arizona real estate. THE COMPRESS

Here is a math problem. Option A: Invest $100K at 10% annual return for 10 years. Option B: Invest $100K at 15% annual return, but pull it out and redeploy into a new deal every 3 years. Which one ends up worth more? Most people pick Option B. Higher return wins, right? Wrong. Option A — 10% compounding for 10 years: $259,374 Option B — 15% for 3 years, redeployed 3 times: $242,950 The lower return wins by $16,424. Why? Because Option B never actually compounds. Every time yo