Private Money Lending Learn How to Consistently Generate a Passive Income Stream

Private Money Lending Learn How to Consistently Generate a Passive Income Stream

by Gustavo J. Gomez

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Overview

This book is an important and timely research study that explores a little known area of investing, which is that of private mortgage lending. The reason for undertaking the study was twofold; reason one is because for the past 15 years, retirement portfolios have been devastated by stock market fluctuations, resulting from a greater prevalence of boom and bust economic cycles. It is quite possible that currently another bust cycle might be unfolding, in spite of the apparent bull market. The second reason is because of the adopted Federal Reserve policy of creating an artificially low rate environment in an attempt to sustain the continued growth of the stock market and support of the currently real estate recovery efforts.

These two economic conditions primarily affect income investors because of the low yields that are being offered by the typically available fixed-income investments, such as bonds, CDs and money-market accounts. The combination of a reduced interest rate environment and the increase stock market volatility has dramatically impacted the livelihood of the fixed income investor. Moreover, it has forced these investors to take greater levels of investment risk by incentivizing them to seek higher yields by investing in the stock market; in essence, the place that has created most of their financial problems.

Product Details

ISBN-13: 9781612443430
Publisher: Halo Publishing International
Publication date: 04/24/2015
Pages: 418
Product dimensions: 6.00(w) x 9.00(h) x 0.94(d)

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Private Money Lending Learn How to Consistently Generate a Passive Income Stream 4.8 out of 5 based on 0 ratings. 12 reviews.
MegThomas 13 days ago
From the off-set, I was unsure what my response would be to Gustavo Gomez’s research guide, Private Money Lending Learn How to Consistently Generate a Passive Income Stream. This was as a result of my reasonably limited knowledge of the financial sector at large. However, given the nature of the text and the fact that someone like me is, in theory, the goal-reader and target market - it is in manual/how-to form, after all - this actually worked in my advantage as the book is definitely written for the layman. Books of this nature often miss the above point - that anyone looking to read a book like this is clearly not an expert in the field, or else they wouldn’t have been inclined to pick it up. As a result, they end up densely packed with buzzwords and industry jargon that leave the average reader who wants to learn how to generate passive income through private money lending and investment in the dark. Gomez does not fall into that trap, and the language is simply written and understandable for a wide readership. The book is brimful of years of research conducted by this PhD author, so when consuming information on how to navigate the contours of private money lending and maximize on the strategies necessary to make those successful, you sense the authority of Gomez’s voice and feel trust in his advice. The book is highly structured, with categories and subcategories within chapters to ensure the information is laid out responsibly and clearly. This ensures there is no room for misinterpretation or confusion. It also helps those who have a rudimentary knowledge of the topic already, as they can pick and choose which sections will be of value to them. The book takes advantage of the benefits of using statistics to validate information, as well as including graphs and tables that illustrate and help give context to the figures at hand. Information is unpacked progressively and with expanding detail throughout the book, meaning each chapter, which could mistakingly be perceived as repetitive at times, is distilling slightly more information than the last. It has a paint-by-numbers effect - at first, you are unsure of the relevance of the different information you are being presented with like when you are painting the first colour, but then when the bigger picture starts becoming clearer as you add more colour, you realise the value of all the pieces or nuggets of information.
Missmolly3011 19 days ago
Gustavo J. Gomez, Ph.D. provides the reader with groundbreaking information in Private Money Lending: Learn How to Consistently Generate a Passive Income Stream by introducing a little-known area of investing called private mortgage lending. Anyone who is looking for a way to generate passive income from an investment should pick up a copy of this book and pay attention. This book is based on years of research and evidence and addresses the issue of retirement portfolios which are highly impacted by normal economic “boom and bust” fluctuations in the market. Many investors are forced to make riskier investments to secure the return they desire, and this is not always successful. Gustavo’s work in private mortgage investments give the investing reader so many strategies for truly making their investments count. There is no doubt, after reading this book, that Gomez knows his stuff on an expert level in this area. He never writes in a condescending or confusing way, making this book highly accessible to even the layperson with money to invest. I appreciated that, as it can often be the case that things like this are over the head of the intended target audience. If the reader is motivated there is enough information in here to truly impact one’s investment portfolio. It’s refreshing that Gomez is not pushing a product or looking to make some sort of a sale but seems passionate about exposing vulnerable investors, like retired elderly people, to a form of investment that has rewards without being as risky as investing in the stock market. Individuals on fixed incomes need to be careful how they spend and invest their money and Gomez is sensitive to and aware of that issue. He goes in depth and on this subject and really gives the reader a wealth of solid information. I love that it is written as research more than as an opinion piece on the benefits of private mortgage lending. He does not fill these pages with fluff but rather gives valuable information in droves. I only wish I had knowledge like this when I was younger. I could have made much smarter investments with the money I have earned from all my jobs over the years. I also appreciate all the outside references to truly fill-out the dedicated investors knowledge on this subject. It is written in such a way that a topic that could be mundane or boring comes off as something exciting. The author’s passion and know-how really make this book more interesting. I was sparked by his excitement over this subject. I highly recommend this well-researched, well-written piece of investment gold for anyone looking to increase their knowledge on private mortgage lending as a possible source of passive income.
aaron washington 29 days ago
Gomez, Gustavo J. in his book focuses on investing. The author broadly discussed the different areas one can invest in but paid special attention to private mortgage lending. From the content in the book, one could tell that the author laid facts which were as a result of thorough researching. One can read the confidence in the author’s writing as he talked about different fields in business. I commend Gustavo for his master of business and related subjects, as his explanations were concise and clear for all including beginners to understand. I took reading this book as taking a class where one is taught about the basics and elements that are needed for one to start investing deeply. Through this book, you will be informed about making prudent financial decisions and how to make your money multiply. Gomez starts the first chapter by introducing the reader to private money lending. The language he uses in the introduction is simple and user-friendly. The author gives historical financial situations in the recent past to try and put his discussion into context. Reading through, one gets the impression of having a one-on-one conversation about financial matters with the author. He is engaging throughout the book, giving scenarios that every adult who wishes to invest can resonate with. Gomez poses questions and gives appropriate answers that would guide any novice. The author’s discussion on types of liquid investments was eye-opening. I was enlightened on how to come up with an investment vehicle that can generate a good return on investment. The author wrote this book for every average business-oriented individual. You will get brilliant pointers about lending and earning, owning assets, the stock market and various forms of investing that suit you. The best thing about the author’s writing is how he goes into detail about technical terms. As a newbie in the business world, you will come across heavy jargon that you may not be able to comprehend immediately. Gomez brilliantly expounds the complex financial terms, excellently illustrating how each of them applies. He also gives real-life examples that one can relate to. Reading this book is so simple the reader feels like they have been given everything on a silver platter. This book is not just about investing. The author also touches on saving and spending habits. The discussion in every chapter is informative. I appreciate how the author gave the advantages and disadvantages of every type of investing he talked about. This gave one a clear perspective of what to choose when they decide to start investing. ‘Lending Learn How Private Money to Consistently Generate a Passive Income Stream’ is a great read. The discussions are sober and the topics covered broadly. I recommend this book to individuals who are interested in everything about finance and investing. The writing, breaking down of points, explanation and general narration by the author was excellent.
Literary_Titan More than 1 year ago
Private Money Lending: Learn How to Consistently Generate a Passive Income Stream by Gustavo J Gomez, Ph.D. and published by Halo Publishing International is a wonderfully comprehensive book that does well to cover all the various of areas of private money lending that one would need to know to successfully generate a passive income from their investments. The author of this impressive work, Gustavo J Gomez, Ph.D., has gained notoriety in several fields including medical and business and has successfully brought all his years of experience to the table with Private Money Lending: Learn How to Consistently Generate a Passive Income Stream. It becomes immediately clear as soon as you open the book that this is not a book meant to be casually read. Although the language used in its writing is accessible, the depth of knowledge within the chapters is nothing short of vast. It is also immediately clear that Gomez wants his reader to understand the entire picture, and not just one small corner of the world of investments. In fact, he gives enough information about the market to help almost anyone see how his unique investment strategy can be applied to almost any scenario. Gomez begins with a wealth of information relating to investments of all kinds, both liquid and illiquid. He then goes on to both define and describe methods of investing in private mortgages before giving information about legalities surrounding the topic. Any reader of this book, no matter how much previous knowledge they have about the mortgage industry, will gain a comprehensive understanding of all that is involved with private money lending as it applies to the mortgage industry. Among the myriad lessons on the topic, the reader will also learn best practices for maintaining investments in a safe, secure, and legal way once they are set up. Private Money Lending has won a laundry list of impressive awards due to its excellence, and it is easy to see why. For anyone looking into securing stable, passive income options that work, Private Money Lending: Learn How to Consistently Generate a Passive Income Stream by Gustavo J Gomez, Ph.D. is a must read.
Reader_Views More than 1 year ago
Reviewed by Josh Cramer for Reader Views (10/17) Have you ever wanted to make extra money? How would you like this to be a passive steam of money? How about to own your own business where you control what you put into it? If so, Dr. Gustavo J. Gomez would like to introduce you to this world through his book, “Private Money Lending.” “Private Money Lending,” which actually started as his doctoral dissertation, introduces the concept of private money lending, providing a foundation for understanding investments, and the mortgage loan industry. Gomez isn’t interested here in teaching how to lend unsecured money (a loan without collateral); he is interested in showing you how to make money from investing money in mortgages. In fact, he writes that, “At the time of this book’s publishing [2015], an investment in a private mortgage loan was generating a return ranging from 9% to 12%” (xxvii). This is an amazing return! However, ultimately, as a business owner, you must invest smartly in order to have a chance to earn such a return. Gomez sets up his argument for investing in private mortgages well. He provides a history of investments, provides a breakdown of each type of investment, what private lending looks like, the laws surrounding the private lending industry, and even devotes a chapter to whether you should invest in private mortgages or just own the real estate itself (including formulas you can use to determine which is right for you, though the author clearly comes out on the side of private mortgage investing). Gomez is incredibly thorough through this process and documents everything you could possibly want to know about the past and current state of this billion-dollar industry (this is his dissertation after all). It is important to note as well that throughout the book, he implores the reader to be cautious and to research anyone who you would do business with. The main issue I have is that it is a relatively dry read. This is a research-study-turned-textbook for learning about how to start a private mortgage lending company, with references to all of the laws and compliance information that comes with that. Thus, at times, this can be very difficult to get through. However, if this is something that you’ve thought about before and are interested in, you will have no problem getting through this text. If you are new to the world of money lending, this will be like drinking from a fire hose—there is so much information here, you will need to take notes to keep it all straight. Gomez even reminds you throughout that the learning curve is steep; however, the rewards, he says, are great, so if you can get over the learning curve, you may have the opportunity to earn money like few others can. In fact, Gomez states that the research study explored how private mortgage investing is a “less risky, more consistent, and predictable” than other investments. Lending money can be a risky business proposition. “Private Money Lending” by Dr. Gustavo J. Gomez could be an excellent way to get started.
Anonymous More than 1 year ago
This book provides a valuable,comprehensive and clear information in regards of this type of private investment.The organization and the rich research on the topics offered by the author, reaches out the readers at all level of expertise. Dr. Vicente Quinones
Anonymous More than 1 year ago
Anonymous More than 1 year ago
The author did an excellent job in explaining the topic of private money lending. It is a well written  book and is easy to understand. I call it the encyclopedia of private money lending. I highly recommend it.
investor More than 1 year ago
truly one of the most eduational and informative Books ever writen on private money lending. A remarkable and helpfull book for anyone wanting to learn more about creating a safe and consistant cash flow.
ROVIROSA More than 1 year ago
I NORMALLY DO NOT TAKE TIME TO DO REVIEWS, HOWEVER I'M MAKING AN EXCEPTION WITH THIS BOOK.THIS BOOK IS BASED ON A UNIVERSITY RESEARCH STUDY AND THE AUTHOR HAS DONE AN EXCELLENT JOB PRESENTING THE INFORMATION IN A WAY THAT IS EASILY UNDERSTOOD BY THE READER. I NEVER UNDERSTOOD ALL THE BENEFITS AND PITFALLS FOR PRIVATE MORTGAGE INVESTING. COSIDERING THE LOW INTEREST RATE ENVIRONMENT THAT WE HAVE BEEN SUBJECTED TO IT IS MY BELIEF THIS BOOK IS WORTH READING, I PERSONALLY RECOMMENDED TO EVERY PERSON INTERESTED IN GENERATING PASSIVE INCOME AS AN ALTERNATIVE SOURCE OF INCOME.
jcoJC More than 1 year ago
This is a great reference book on the topic of private money lending.The information is well presented and easy to understand.I highly recommend this book.
MCSMargui More than 1 year ago
This is a well written and researched book on the topic of private mortgage investing.  Unlike other books on the subject  the objective of the author is to present the information necessary to engage in this type of investing.  I found it invaluable to learn how to generate substantial passive income in an era of low interest rates.  I highly recommend this book to learn about this investment vehicle.