A look ahead
2026 goals
This year I'm targeting three transactions across single family and small multifamily properties in the Rio Grande Valley in South Texas. I focus on neighborhoods with strong fundamentals, i.e., desirable locations, growing populations, and clear value-add potential.
Investment opportunity
Single-family fix & flip
In two weeks, we’re closing on a golf course property in a premium area of the Rio Grande Valley. Strong comps in the area, clear value-add opportunity.
The opportunity:
$60K investment opportunity currently available
4-month project timeline
Why I like it:
Premium golf course location in a high-income area. Straightforward rehab with strong exit potential.
Want the details? Read the property writeup here and reach out to me directly.
Project updates
5-bedroom coliving rehab
On track for completion by mid-March. Just finished ceilings, painting, kitchen, and bathrooms. Before we started, the flooring was a bit outdated; now they’re being redone and looking sharp!
$2,500/mo cashflow potential and a two-minute walk to the University of Texas at Rio Grande Valley (UTRGV). Excited to get this stabilized and generating returns!
Before: downstairs bathroom
After
Before: upstairs bedroom
After
Before: kitchen
After
Real talk
Why lend on real estate?
A question I get often: "Why lend on real estate instead of investing in traditional investments?"
Here's the honest answer: it's not better. It's different.
Traditional Investments (e.g., stocks, index funds, mutual funds):
Liquid, sell anytime you want
Passive, zero work required
Index funds average ~10-12% annually over time
Diversified across hundreds of companies
Private Real Estate Lending:
Illiquid, your money is locked for the project timeline (typically 6-8 months)
Backed by a physical asset you can see and touch
You act as the bank and earn interest secured by the property
The property is protected, secured, and insured
The trade-off is simple:
Stocks give you liquidity and hands-off growth. Real estate lending gives you tangible collateral and the potential for stronger short-term returns, but you can't touch your money until the project closes.
Neither is "better." It depends on what you value and the level of diversification you wish to achieve.
That’s it for February.
More deals and updates coming next month, stay tuned!
Interested in learning how to earn double-digit returns with a protected, secured, and insured asset? Reach out to me and let’s chat!
— Jonathan
P.S. Follow along on Instagram @jonseio for real-time project updates and market insights!