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YOUR PLAYBOOK FOR CASH-FLOW INVESTING AND LONG-TERM WEALTH BUILDING
THE CAPITAL EDGE is Devon Kennard’s weekly newsletter on private lending, real estate, and long-term wealth — all through the lens of his boots-on-the-ground investing in Arizona. Join 2,000+ investors and entrepreneurs learning how to allocate capital smarter, vet deals, and build lasting passive income the right way..


Why I’m Liquidating Most of My Out-of-State Portfolio
There’s something I never thought I’d say… I’m selling most of my real estate portfolio. At my peak, I held 50 units across 5 different markets around the country. I built that portfolio over years — one property, one deal, one decision at a time. I was proud of it. But pride doesn’t pay returns. So this year, I made a strategic decision: To sell the majority of my out-of-state properties and reallocate that capital into 42 Solutions , my private lending business here in Ar
6 days ago2 min read


EVERYONE WANTS TO FLIP HOUSES. FEW SEE THIS
Hey Everyone, The “boring” paths in real estate that quietly make people rich When people think about getting into real estate, they usually picture flipping houses, buying rentals, or maybe even developing. But in my experience, some of the best wealth is built behind the scenes — in the so-called “boring” parts of the industry. Here are a few overlooked lanes that can pay really well — whether you start your own business or become a high-leverage employee: Bookkeeping & Acc
Nov 52 min read


The Hidden Cost of Not Managing Your Manager
“It’s only a few hundred bucks…” until it’s tens of thousands. One of my out-of-state properties is managed by a solid property management company in Kansas City. We’ve had a good relationship over the years — but recently, they hired a new accounting team. Since then, my bookkeeper and I have been spotting some strange inconsistencies on the monthly statements. Nothing crazy at first glance — maybe $100 here, $250 there. But we dug in. And what we found was eye-opening. If y
Oct 291 min read


HOW I THINK ABOUT RISK VS REWARD IN PRIVATE LENDING
Every investor says they want great returns. But the smart ones know: returns mean nothing without risk. That’s why, as a private lender, my #1 job isn’t chasing yield — It’s managing downside. Because in this business, protecting the downside is what unlocks consistent returns over time . Here’s how I think about it. 1. I Price for Risk, Not Just Return I don’t lend just to get 12% and a point. That’s the output — not the starting point. Every deal starts with a simple ques
Oct 223 min read


THE WARREN BUFFETT QUOTE I ABIDE BY
There’s a quote from Warren Buffett that’s stuck with me for years: “The ideal business is one that generates a lot of cash which can then be reinvested at a double-digit rate of return. If you find such a business, you should go ALL IN.” That’s not just a powerful idea—it’s a filter . It’s how I look at every business, every investment, and every opportunity I come across. What Makes a Business Worth Building? Most people chase income or headlines. Buffett chases compounding
Oct 152 min read


HOW I TURNED ACTIVE INCOME INTO PASSIVE POWER
Hey Everyone, Most People Chase Active Income My journey isn't all that different, my active income was just playing in the NFL. My...
Oct 82 min read
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