In a recent episode of the Raising Private Money podcast with Jay Conner, guest Keshav Kolur shared his invaluable expertise on the intricate landscape of investments. This blog post delves into some key takeaways from their conversation, offering practical advice on smart investment strategies.
Investment Advice from Keshav Kolur
Don’t Invest More Than You Can Afford to Lose
One of the fundamental pieces of advice from Keshav Kolur is to only invest what you can afford to lose. This principle might seem straightforward, but it’s often overlooked by enthusiastic investors. Maintaining a reserve for unforeseen expenses is crucial in preventing financial distress in the face of market volatility.
Diversification is Key
Kolur emphasizes diversification across various asset classes and real estate markets. By spreading investments, the risk is mitigated. For example, rather than placing all funds in one sector, it is wiser to allocate capital into different sectors like apartments, industrial warehouses, private lending, and even oil and gas. This strategy provides a buffer against downturns in any single market.
Understanding Current Market Trends
Tech Stocks’ Influence on the Stock Market
Tech stocks, often referred to as the “big seven,” are becoming increasingly influential in driving the growth of the stock market. This concentration can be both an opportunity and a risk, highlighting the importance of balancing portfolios.
Real Estate Market Dynamics
Currently, the real estate market is experiencing certain stress points, such as foreclosures due to loan payment failures and an increased supply. Despite the rising interest rates, housing prices have remained steady. This paradoxical scenario suggests an underlying demand that savvy investors can capitalize on.
Keshav Kolur’s Company: Clive Capital
Personalized and Transparent Investing
Keshav Kolur founded Clive Capital with the vision of providing personalized investment opportunities that ensure higher returns and tax benefits. By investing directly into LLCs, investors benefit from direct tax deductions and expenses, creating a more profitable and transparent relationship compared to traditional corporate investments.
Higher Projected Returns and Lower Overheads
Clive Capital’s streamlined operations mean less overhead, promising higher returns on investment. Clients enjoy direct engagement with managers, receiving regular updates on performance, and fostering trust and transparency.
Keshav Kolur’s Journey and Clive Capital’s Mission
From Engineering to Real Estate Investing
In just a few years, Kolur transitioned from a mechanical engineer to a significant player in real estate, catalyzed by influential readings such as “Rich Dad Poor Dad.” His journey underscores the importance of education and adaptability in investment ventures.
Building a Diversified Portfolio
Established in January 2022, Clive Capital focuses on helping investors achieve financial freedom through diversification. Managing over 1,000 apartments and developing more than 500 single-family homes, their commitment to building generational wealth is evident.
Raising Private Money: Strategies and Best Practices
Leveraging Personal Networks
Kolur’s method of raising private money highlights the power of personal networks. By tapping into connections within his tech industry network, along with friends and family, he underscores the value of mutual success and trust in investment partnerships.
Initial Conversations with Potential Investors
In his approach, Kolur conducts 30-minute introductory calls to understand potential investors’ backgrounds, experiences, and financial goals. This personalized assessment ensures that the investment opportunities align well with the investors’ needs and expectations.
The Motivation and Approach Behind Investments
Identifying the ‘Why’ Behind Investments
Understanding why individuals invest is crucial—whether it’s for financial freedom, growth, tax benefits, or more family time. This clarity helps tailor investment strategies to maximize benefits for each investor.
Benefits of Alternative Investments Outside the Stock Market
Risk-Adjusted Returns and Tax Benefits
Investing outside the stock market can yield higher risk-adjusted returns and tax benefits like deductions and depreciation losses. Moreover, the reduced daily volatility compared to stock markets, and fewer political influences, create a more stable investment environment.
Real Estate as a Solid Investment
Jay Conner highlights the tangibility and understandability of real estate investments. He prefers real estate for its reduced volatility and promising returns, exemplified by his recent successful flip.
Ensuring Investment Success: Risk Management Strategies
Selecting the Right Partners
The importance of partnering with experienced and trustworthy individuals cannot be overstated. Kolur and Conner both emphasize due diligence to avoid inexperienced or dishonest operators, ensuring the success of investments.
Conclusion
Keshav Kolur’s insights, alongside Jay Conner’s experienced observations, form a comprehensive guide for navigating today’s complex investment landscape. By emphasizing diversification, personalized strategies, and transparent dealings, investors can better position themselves for success, achieving financial freedom and stability in a fluctuating market.
For those interested in learning more, educational resources and contact information are available through the Clive Capital website and Jay Conner’s offerings.
10 Discussion Questions from this Episode:
- Investment Philosophy:
- Keshav Kolur emphasizes not investing more than you can afford to lose. How does this principle align with or differ from your current investment strategy? Can you share a personal experience where this advice would have changed your approach?
- Diversification:
- Keshav recommends diversification across different markets and asset classes. How have you diversified your investments, and what challenges have you faced?
- Market Trends:
- The episode discusses current market trends, including the impact of tech stocks on the stock market and real estate market conditions. How do you think these trends will evolve in the next 12 months?
- Private Lending and Asset Classes:
- Considering Keshav’s mention of private lending and asset classes like oil and gas and industrial warehouses, do you find any alternative investments particularly intriguing? Why?
- Tax Benefits and Returns:
- The benefits of direct investment through syndications versus larger corporations like Exxon are highlighted. Have you experienced tax advantages or higher returns through syndications or private investments?
- Trust and Transparency:
- Jay Conner emphasizes the importance of trust and transparency with investment managers like Keshav. How important is direct communication with your investment manager to you, and why?
- Educational Resources:
- Keshav offers various educational resources, including lead magnets and eBooks. What type of educational materials have been most beneficial in guiding your investment decisions?
- Starting Conversations with Investors:
- Keshav conducts 30-minute introductory calls with potential investors. If you were to have such a call, what key questions would you ask to ensure the investment aligns with your goals?
- Raising Private Money:
- Keshav utilized his network, especially in the tech industry, to raise private money. What strategies have you used or would consider using to raise funds for an investment project?
- Alternative Investments vs. Stock Market:
- Keshav and Jay discuss the advantages of investing outside the stock market, including risk-adjusted returns and lower volatility. What are your thoughts on these benefits, and how do they influence your investment decisions?
Fun facts that were revealed in the episode:
- Keshav’s Investment Inspiration:
Keshav Kolur was inspired to delve into investing after reading “Rich Dad Poor Dad” during a flight. - From Mechanical Engineer to Real Estate:
Initially starting as a mechanical engineer, Keshav shifted his career path dramatically by becoming a successful realtor and investor within a couple of years. - Reddit Influence:
A Reddit post by a roommate influenced Keshav’s pivot from single-family home investments to larger syndications, leading to significant investment in 108 apartments in San Antonio.
Timestamps:
00:01 Raising Private Money Without Asking For It.
04:45 Creating wealth for the family, founded Clive Capital.
07:00 Networking with friends, family, social media, LinkedIn.
13:04 LLC ownership: expenses, deductions; stock market volatility.
16:55 Choose trustworthy partners to mitigate private lending risks.
17:47 Fraudulence and inexperience risk your investment capital.
21:17 The stock market thrives, tech stocks dominate, and real estate declines.
27:33 Personalized, transparent investing with clear performance insights.
28:41 Investors invest in you, valuing transparency, and accessibility.
29:39 Connect with Keshav Kolur: https://www.linkedin.com/in/keshavkolur/
Connect With Jay Conner:
Private Money Academy Conference:
Free Report:
https://www.jayconner.com/MoneyReport
Join the Private Money Academy:
https://www.JayConner.com/trial/
Have you read Jay’s new book: Where to Get The Money Now?
It is available FREE (all you pay is the shipping and handling) at https://www.JayConner.com/Book
What is Private Money? Real Estate Investing with Jay Conner
http://www.JayConner.com/MoneyPodcast
Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $67,000 per deal.
#RealEstate #RealEstateInvesting #RealEstateInvestingForBeginners #Foreclosures #FlippingHouses #PrivateMoney #RaisingPrivateMoney #JayConner
YouTube Channel
https://www.youtube.com/c/RealEstateInvestingWithJayConner
Apple Podcast:
Facebook:
https://www.facebook.com/jay.conner.marketing
Twitter:
https://twitter.com/JayConner01
Pinterest:
https://www.pinterest.com/JConner_PrivateMoneyAuthority
Keshav Kolur Builds Wealth Through Smart Real Estate and Private Lending
Jay Conner [00:00:00]:
Hello, and welcome to another amazing episode of Raising Private Money. I’m Jay Conner, your host, and this is the podcast where we talk about how to raise private money without ever having to ask for money. Well, my guest today has raised well over $1,000,000 in private money, and I’m going to be asking him how he goes about it, how he starts conversations, how he talks with new potential private lenders, And you’re gonna love his answers to those questions. Well, in his career, and he’s very young, he has already helped investors. That portfolio spans over 300 apartments that are under renovation and over 500 homes under, under construction across 3 different markets. In just a moment, you’re gonna be meeting my guest on today’s show. His name is Keshav Kallur, and you’re gonna meet him right after this.
Narrator [00:00:56]:
If you’re a real estate investor and are wondering how to raise and leverage private money to make more profit on every deal, then you’re in the right place. On raising private money, we’ll speak with new and seasoned investors to dissect their deals and extract the best tips and strategies to help you get the money because the money comes first. Now here’s your host, Jay Conner.
Jay Conner [00:01:23]:
Well, hello there, Keshav. Welcome to the show.
Keshav Kolur [00:01:28]:
Thanks, Jay. Thanks for having me on. It’s an honor to be here.
Jay Conner [00:01:31]:
Yes. I’m so excited to have you. I mean, you’ve already raised quite a bit of, private money. I want us to dive in and talk about how you’ve gone about raising private money, your, favorite ways to do it, how you start conversations, and that kind of thing. And then I want us to segue over and talk about, your company called Clive Capital and, we’ll dive deep in on that as well. So first let’s start with raising private money. It’s been my experience, Keshav, that most real estate investors had a pivotal moment or had something happen in their business that pushed them to raise capital. Do you have some kind of story to share as to what it was that did happen your, in your business or in your investing that you said, you know, I need to get out and raise some private money?
Keshav Kolur [00:02:30]:
Yeah. Sure thing. So my story is I graduated college in 2019 as a mechanical engineer. Got out there and read Rich Dad Poor Dad on my 15-hour flight to Southeast Asia where I was vacationing for a month to celebrate graduating. And that flight ride there and back, finished the book, that got me thinking about investing in real estate and not just relying on my was the sole income source, you know, that I would rely on. And so became a realtor in 2020, and my idea was to go buy single-family homes and rent them out. Luckily, before I went too far down that rabbit hole, my roommate here, his dad had invested in syndications, and my roommate came across a Reddit thread describing syndications. And he sent it to me because he knew I was in real estate.
Keshav Kolur [00:03:29]:
And the author of that Reddit post had invested in 40 homes at the peak of his career, and he said buying and managing apartment buildings is easier than buying and managing 40 single-family homes. And, you know, the returns are protected better, tax benefits, diversification. There’s a lot of benefits to it. So I thought if there are all these benefits to it, and, honestly, buying apartment buildings sounds a lot cooler than just buying single-family homes, why not get into it? Took the next year from September 20 to September 2021 to do my due diligence because no one I knew, friends or family, had ever really invested in this syndication, except for my friend’s dad, I guess. And took that time, and became comfortable with the concept of syndications and how you can raise private capital from other investors to go out and buy assets like real estate. Once I wrapped my head around the concept, felt comfortable enough to make my first investment into 108 apartments in San Antonio. That was in September of 2021. I started seeing the cash flow come in as a passive investor, and I saw the tax benefits too.
Keshav Kolur [00:04:45]:
And it was a proof of concept moment for me where I thought to myself, hey. If I’m gonna do this for my wealth, I might as well do it for my friends, my family, and anyone else who’s interested in coming along for the ride because what fun is it to be financially free, you know, on the beach all alone? Might as well have the people you care about there with you. So I started my company, Clive Capital, in January of 2022, and I guess that was the moment where I realized, hey. I’m gonna be building this wealth for myself through investment opportunities. I should help other people on the same path because, truthfully, I wish someone else had helped me or helped my friends and my family make those same investments earlier on in their careers rather than relying just on the stock market. And so since January 2022, we’ve helped investors invest in over 1000 apartments and over the development of over 500 single-family homes. Our goal is to build a diversified portfolio for our investors that focuses I would say balances out a couple of things. So appreciation, cash flow, tax benefits, the risk to reward, and then liquidity.
Keshav Kolur [00:06:03]:
So really building our investment portfolio around, you know, optimizing some balance between those five factors, with the ultimate goal being to help our investors build generational wealth, achieve financial freedom for themselves and their families and those they care about.
Jay Conner [00:06:21]:
Wonderful. So per the private money that you have raised, when did you start raising that?
Keshav Kolur [00:06:30]:
I started raising I think my first investor, you know, wired me capital in January 2022. Right? As we all remember, interest rates started hiking up and up and up.
Jay Conner [00:06:42]:
I had a great time with the bankers.
Jay Conner [00:06:44]:
Right. So, what are your favorite ways to raise, private money? I’m sure you have tried more than one thing the raising of private money. What’s your favorite way to do it?
Keshav Kolur [00:07:00]:
I would say it’s today, friends and family. I haven’t tapped out of friends and family just yet because I’m fortunate enough to be working in the tech industry where a lot of people, a lot of people that I’ve worked with, that I’ve become friends with now, they do pretty well for themselves, and then they have other contacts, other family members who are also doing well for themselves. So I would say number 1 is friends and family. But if you’re fortunate enough to cross that barrier, you know, tens of 1,000,000, 100 of 1,000,000 of dollars that you’ve raised, then at that point, I would say social media, putting out content like the podcast here that you have going and the podcast that I have, investing for generational wealth, you know, reaching out to people on LinkedIn, just telling people what you’re doing, and then asking them, like, hey. Who do you know who’s interested in it? And diversifying outside the stock market, achieving superior risk adjusted returns, tax benefits, etcetera.
Jay Conner [00:08:03]:
Sure. And so when you’re having a conversation with a potential private lender, How do you like, to start a conversation or, even approach the subject?
Keshav Kolur [00:08:15]:
Yeah. Usually, for me, you know, I start the call. My intro calls with potential investors are always 30 minutes. I tell them, hey. You know, this is a 30-minute call. I’m happy to hop on a follow-up one. But on this call, I’d love to get to know you, what your career back end is and has been so far, and what your experience is in investing. Are you just in the stock market? Have you bought a few homes? Have you done private equity syndications before? And then lastly, what are your financial goals? Right? Are you the kind of person who is okay with partnering with other people and lending them your capital? And if you’re not, then, you know, we might not be a good fit.
Keshav Kolur [00:09:01]:
If you are, then why are you investing? Is it because you want financial freedom? Is it just to put numbers up on a scoreboard? Is it to get back to your family and spend more time with them? And what are you looking for from your investments? Are you looking for tax benefits? Right? The factors that we mentioned earlier. Are you looking for tax benefits? Are you looking for high growth? So once I get a feel for what someone’s experience has been so far and what they’re looking for in their future investments, I can kind of cater the conversation to their needs.
Jay Conner [00:09:35]:
Well, what I love, about what you just explained, what I love is that, you know, the the way I raise private money, I’ve never asked anybody for money. Right? I put on my teacher hat. Right? People see my teacher hat all the time, and I teach people what private money is. In fact, of the 47 private lenders that I have,, I mean, none of them had ever even actually heard of private money or private lending until I put on my teacher hat and I taught them what it is. Right? And so it’s really all about getting your mindset straight first, leading with a servant’s heart, and not trying to talk anybody into anything or sell anybody anything. So what I love about what you just explained, Keshav, is you’re finding out what their needs are, you know, what their interests are as well. So I love the way you just explained. You start the conversation.
Keshav Kolur [00:10:38]:
Yeah. Exactly. I think it has to be tailored to figuring out what they need, and then if what you offer is what they’re looking for, then great. And if not, that’s fine. Maybe they know someone else, you know, who is looking for what you’re offering. But being upfront about, hey. Here’s who we are what we do is who we work with, and making sure that it’s a good fit, is paramount. And Exactly.
Keshav Kolur [00:11:03]:
Once we do that.
Jay Conner [00:11:06]:
So I’m gonna ask you a question. I know what my answer is. I’m interested in hearing your answer to this question. You know, a lot of people out there investing, the only thing they know to do is to invest in the stock market. I mean, you know, that’s what their family did, that’s what they do. Why should someone invest outside the stock market?
Keshav Kolur [00:11:30]:
Yeah. I could go on forever, but that’s why we’re talking here. So I would say that there’s a handful of factors between 5 to 8 if I remember, you know when I was putting them together, ebook. I would say 1, you know, is projected superior risk-adjusted returns. Projected, like, no one’s making any promises here, and risk-adjusted, meaning we all know the phrase risk it for the biscuit. The higher the risk, the higher the reward. But do you wanna take a small amount of risk and make, you know, 10 times your returns, or do you wanna take a lot more risk, a 100 times more risk, and 20 times your returns? Right? There’s an optimal ratio where you get the most bang for your buck. So I would say that’s 1.
Keshav Kolur [00:12:24]:
Right? For taking on additional risk, the return projected is superior. 2, when you’re investing outside the stock market. 2, I would say, is the benefit. In the stock market, you have short-term capital gains and long-term cap capital gains. Right? You don’t get the depreciation losses. You don’t get to take the expenses as deductions because you’re not an investor directly in the company when you’re in the stock market. You’re investing in a c corp structure. When you invest outside the stock market, a lot of times, you’ll be investing you’ll be an owner into an LLC.
Keshav Kolur [00:13:04]:
Like, you’ll have ownership, and so the expenses, the deductions pass through to you as an owner of that LLC. Besides that, I would say volatility is a big thing in the stock market. You know, last Monday, I believe, we saw the stock market. It was a single digit it was a single-digit drop. It was nothing crazy. But that kind of volatility day in and day out is not something that I would like to go through the rest of my life. You know, just because a war breaks out in another country or another country is going through some sort of political turmoil, that isn’t going to as much affect real estate values here. But on the other hand, the slightest hint of uncertainty of, you know, military conflict or political tension in another country and the stock market will drop a few points.
Keshav Kolur [00:13:56]:
I didn’t like that. And I would say, lastly not even, but it’s more of a playing level playing field in my opinion when it comes to these alternative investments outside of the stock market. When I’m in the stock market sitting on my happy 8 to 10% returns per year, I know other people out there are making way more than the 8 to 10% that I’m making. Politicians are making more than 8 to 10% per year. Hedge funds are making more than 8 to 10% per year, and I just can’t compete with these people. I don’t have the power, political power. I don’t have, you know, computers, algorithms giving me trades at nanoseconds. So it’s an unlevel playing field.
Keshav Kolur [00:14:43]:
But in these alternative investments, in my opinion, at least, it’s more of a playing field level playing field. You don’t have, you know, computers crunching out algorithms to figure out to instantly trade on values of real estate or, you know, things like that.
Jay Conner [00:14:59]:
Yeah. In addition to what you just said, the biggest reason that I like real estate over, stocks is that most people that are investing in stocks and mutual funds, don’t even understand what they’re investing in. Right? I mean, they are listening supposedly to a trusted adviser, and they’re just doing what the adviser, you know, tells them to do. In this world of real estate, it’s something that I can understand. Right? And also, it gets rid of the volatility. Right? Most of the real estate that I do in single-family houses are flips. So I’m gonna be in and out of a property before I’m gonna have to worry about any volatility, in values. I just invested in an oceanfront condominium a few weeks ago, and I was in and out in 5 weeks from purchase until sale.
Jay Conner [00:15:50]:
And my net profit after realtor fees was $160,000, and I could see, you know, what was gonna be happening, in less than 6 weeks. Now, of course, as you know and I know, investing is cyclical, no matter what you’re in, and the commercial apartment cycle has sort of peaked and it’s sort of falling in some markets. So what is your what’s your comment on that?
Keshav Kolur [00:16:18]:
Yeah. That’s a great question, and I’ll start that off with all investments that come with the risk. Right? That’s something that you as an investor should be able to go to sleep at night without knowing. That being said, that’s an excuse to underperform on your investments or have someone else underperform on your investments on your behalf either when you’re investing in this private investment world. So cycles happen in every asset class. In the stock market, prices come up, prices come down. Right? Real estate, that’s the same. You know, interest rates come up and down.
Keshav Kolur [00:16:55]:
If you’re doing private lending, any business that you buy, there’s gonna be ebbs and flows. Right? Booms and busts, growth periods, and recessions. I would say to mitigate against that, one, you have to pick the right people to invest with. I would say that’s the number one most important thing when you’re investing outside of the stock market because you’re trusting your money with this person who is promising you not promising you, but projecting a return for you. That’s private lending, whether you’re investing in an apartment building. They’re telling you, hey. You put your hard-earned money with us, and we will grow it by doing x y z. You have to make sure that you’re partnering with the right people to maximize the probability that, you know, you will grow your money at the rate that you originally projected.
Keshav Kolur [00:17:47]:
Because a lot of people people are flat-out fraudulent. They will take your money, and they might run. And, unfortunately, that happens, but that happens. And then second, even if they have good intentions and they’re not they might not know what they’re doing. And in cases like this, where a lot of people got into this private equity space over the last 3, or 4 years, even though they had good intentions, they might still lose your money because they don’t have experience. They’ve just bought a coaching program or something, put a pitch deck together, and raised some capital from friends and family, and it went south because interest were back then, and anyone could do great deals. Now interest rates are higher, and it takes execution and experience to manage these businesses and execute the business plans that they projected. That’s 1, finding the right team.
Keshav Kolur [00:18:45]:
And 2, I say is don’t invest anything that you aren’t willing to lose. I’m not saying you should go into investment expecting to lose. Don’t invest your last dollar with anyone. It’s not gonna be good for you, your family, or the person you invested with. Everyone’s just gonna be stressed, so always keep some reserves with you. And then 3rd is diversification. You know, apartment real estate is a very local, you know, a pretty local asset class. Just because, you know, rents are coming down in Houston, for example, doesn’t necessarily mean rents are coming down in Phoenix.
Keshav Kolur [00:19:29]:
They are coming down in Phoenix. Let’s say, North Dakota. Right? Just because the rental market is coming down in Houston doesn’t mean it’s coming down in North Dakota. So diversify apartment buildings that you’re buying across multiple real estate markets. Diversify asset classes too. Don’t just invest in apartment buildings. Invest in industrial warehouses. Invest into private lending, you know, which Jay is a big fan of.
Keshav Kolur [00:19:56]:
Invest in oil and gas. And that’s really why I founded my company I don’t want to just invest in department buildings. I don’t want that for my investors either. I want to bring them a buffet of investment options that are diversified across the team that we’re investing with, the asset class, this plan, and the geographic location. So when you have it spread out and you’re mitigating these different factors, that’s a good way to hedge against any potential market downfall. That being said, its market downfalls are just a part of investing, and you have to have the patience as an investor to ride it out.
Jay Conner [00:20:38]:
Very wise advice. Very wise advice. So given the climate of the market going on right now, what kind of trends do you see, coming down the pike in the near future? And, of course, as you just mentioned, that may be that may depend on the market, right?
Keshav Kolur [00:20:57]:
Yes.
Jay Conner [00:20:57]:
But, let me, well, let me be more specific with my question. What do you see happening in the market that might convince someone that alters that an alternative asset class, like we’re talking about, you know, really does add up and make sense for them to strongly consider?
Keshav Kolur [00:21:17]:
Yeah. I somewhere, I’ll start this off by saying I wish I read more news, to be more educated on this, but I read that the stock market is being increasingly weighted towards the tech stocks, the big seven. There’s the concentration of that as a percentage of total market volume cap is increasing. So everyone who’s investing into index funds and mutual funds and all that, all of their eggs are going into the same 7 baskets, and that is getting bigger and bigger and bigger. And that’s just what’s driving the growth, really, in the stock market. And it’s doing pretty well. You know, what I would say is if someone’s in the stock market right now, the stock market has been doing pretty well. Real estate is coming down because some people are the apartment buildings are being foreclosed on, due to them not being able to pay their loans.
Keshav Kolur [00:22:16]:
There’s a lot of supply coming on the market too, and cap rates have expanded over the last 2 years, I would say. A good move could be to take some of those wins from this market and put them into real estate. Right? Now you can do that through cash, by just outright selling the stocks and investing. You could also do that through a self-directed IRA. A lot of us have 401k’s, and Roth IRAs from previous companies or current companies. What you can do is roll a portion of that over into a self-directed IRA and gain a lot of the same tax benefits that come with a normal 4 zero one k or Roth IRA. But now you can use that self-directed IRA to invest in these private opportunities. You can lend out from outside you can lend from that SDIRA.
Keshav Kolur [00:23:08]:
You can invest in the syndications from that self-directed IRA. So that’s 1. I would say take some chips off the table if in the stock market. And 2, real estate is always a great investment for the most part. I might even say always. Right now, we’re short a couple of 1000000 home units as a nation, and that gap isn’t closed anytime soon. We’ve seen housing prices hold pretty steady across the nation even though interest rates came up. And if rates come down, people might think that’s a great time to buy, but that’s just gonna send the prices through the roof again.
Keshav Kolur [00:23:48]:
And with same-family housing coming, unfortunately, increasingly unaffordable for most Americans, they’re gonna have to rent somewhere to live. Even right now, renting is about 600 to $800 cheaper per month than it is to buy a home. So invest in the apartment building rental market. That’s people gonna need a place to stay. Make sure your market has sound fundamentals, but that is a great place to like. Right now, with interest rates where they are, private lending and private credit are something that I like a lot as well. I’m also exploring other asset classes. I’m exploring oil and gas, bringing that to my investors just because of our energy needs as a society and civilization and how it’s growing.
Keshav Kolur [00:24:38]:
I’m exploring investing in industrial warehouses because of a lot of manufacturing and how it’s back from overseas back to North America, to Mexico, to the US. So those are some of the bets that I’m making and what I’m seeing. And, like, how I plan on having these next few years. Yeah.
Jay Conner [00:25:00]:
Alright. So, you know, someone could, they could go to one of the big houses, Vanguard, Charles Schwab, whatever. They could, you know, go there, open up an account. They could invest in a mutual fund, for example, that, you know, in turn, invest in oil and gas. So, of course, you’ve got your fund, Clive Capital. Why should someone seriously consider investing with you instead of doing what so many other people do as I said earlier? They don’t even understand what they’re investing in.
Keshav Kolur [00:25:35]:
Exactly. Yeah. That’s a great question. And it comes down to, I would the tax treatment portion of it. And yeah. So, you know, when, let’s say, Exxon goes out and drills for oil, you’re investing into Exxon. They are a c corp. And because you don’t have direct ownership in the c corp, you don’t get the tax benefits that come with drilling for oil.
Keshav Kolur [00:26:02]:
You don’t get to take advantage of a lot of the expenses, that could be passed down either. There’s that financial aspect of it. So in the syndications that we put together, you directly invest in the LLC. You are an investor in the LLC, and because of that, when the LLC gets profits, when it gets expenses when it gets tax benefits because you’re a direct owner in the LLC, those pass directly to you. You don’t directly own the c corp. You own shares in the C Corp. That’s the best way that I can explain it. So, you know, those expenses, those tax benefits don’t necessarily flow through to you.
Keshav Kolur [00:26:42]:
On top of that, the financial aspect of it, you know, our syndications, our private equity offerings, we project I’m not promising anything. We can’t promise anything. We project higher returns, you know, because there isn’t the for a lot of factors, but one of the big things is there isn’t that corporate blow. You know, we can be nimble, and these are smaller operations. You’re not just investing in a big giant like Exxon, which brings me to my 3rd point. When you make these smaller investments with people that you know, you are not just a name on a screen, if even that. You know? The CEO of Exxon does not know who you are when you’re investing. But when you invest with a professional investor like myself or Jay or our colleagues, we know you.
Keshav Kolur [00:27:33]:
We know your name. We know your kids, you know, your pets, your financial situation, etcetera. We can tailor our investment portfolio, and our opportunities to you, and we can be more transparent with you about why your investment is performing the way that it’s performing. If Exxon stock goes down, you can about it on the news about why it went down, but you can’t call up the CEO of Exxon and say, hey. Why is my stock down? Why is my investment down? Or where do you see it going in the next few months? With us, we provide you a greater level of transparency where you can see here’s the expenses that came in. Here’s the profit that came in. Here’s what’s going on in my investment every month. And you learn from investing with us where we will tell you here’s why your returns are decreasing or increasing.
Keshav Kolur [00:28:27]:
So you’re more in the know when you invest in these smaller opportunities, and they tend to pay out projected a lot better than stock returns.
Jay Conner [00:28:41]:
And you know, what you just went over, Keshav, is your investors, like my private lenders, they’re not investing in the deals per se. What they’re investing in is you. That’s what they’re investing in. That’s where they’re putting their trust, and you just laid out many, many reasons as to why, someone would want to invest with you is because of the transparency. And they mean, you could they they can see exactly what’s going on. And I love your analogy of they’re not gonna be able to pick up the telephone and talk to the CEO of Exxon. Right? But they’re gonna be they’re gonna be able to talk to Keshav. Kesha, I know we’ve got, folks that are listening in that would love to have a conversation with you, would love to further the conversation.
Jay Conner [00:29:32]:
What is the best way that they can reach out to you, and learn more about, Clive Capital?
Keshav Kolur [00:29:39]:
Yeah. My LinkedIn is the best way to reach me. My name is Keshav Kolur, right here, is the URL that’s linked. Luckily, unique name, so it’s hard to find. But once you find it, I’m the only one out there. So LinkedIn’s a good way to reach out to me. My Facebook page, following me there, and I would say what else? Our YouTube, we also host a weekly podcast, and we upload the episodes to YouTube and all the other major podcasting platforms on topics like this. It’s regarding building generational wealth and covers topics from taxes to investments to, you know, asset protection, things like that.
Keshav Kolur [00:30:25]:
And lastly, I would say check out our website. We have a lead magnet for you guys, an educational resource, www.CliveCap.com We include a due diligence checklist of about 100 questions. The questions you should ask when you’re investing with someone outside the stock market because, like Jay and I have been talking about, they are your make or break regarding whether your investment works out or not. So you wanna know who you’re investing with? More importantly, what are you investing in? So it’s a hundred questions to make sure you’re investing with the right person. We also have a 2 pager about why you should invest in a stock market covering some of the reasons that I discussed here.
Keshav Kolur [00:31:11]:
And then if you’re interested and you have the attention span for it and the interest, we also have an ebook, which is just a longer version of the 2 pager. The looks probably 25-minute read, a 20-minute read, and the 2 pages, like, a 5, 10 minute read about why I should be investing outside the stock market.
Jay Conner [00:31:30]:
Perfect. Well, for those that are listening, of course, all the contact information is gonna be in the show notes, but for, Keshav’s, name, like at LinkedIn, Facebook, etcetera, that’s all one word, and you spell his name, keshavkolur. Again, that’s k e s h a v k o l u r. Keshav, what a wealth of information. Thank you so much for sharing. You dropped a lot of gold nuggets, and thank you so much for taking the time to join us here on the show.
Keshav Kolur [00:32:09]:
It was an honor, Jay. I appreciate you having me on, and, thank you for those listening at home.
Jay Conner [00:32:14]:
Absolutely. Anne, gratitude as well. Thank you for listening and and, tuning into the show. If you, have found this valuable and insightful, if you’re on listening to any of the podcast platforms, be sure to, follow me. Be sure to like, and we love reviews. If you happen to be watching on YouTube, be sure to click that bell. Subscribe and click the bell so you don’t miss out. I’m Jay Conner, The Private Money Authority, wishing you all the best, and I’m looking forward to seeing you right here on the next episode of Raising Private Money.
Narrator [00:32:51]:
Are you feeling inspired by the knowledge you gained in this episode? Then head over to www.JayConner.com/MoneyGuide. That’s www.JayConner.com/MoneyGuide and download your free guide that shares seven reasons why private money will skyrocket your real estate investing business right now. Again, that’s www.JayConner.com/MoneyGuide to get your free guide. We’ll see you next time on raising private money with Jay Conner.
