Navigating Your Financial Path: Insights from Josh Perez

Josh Perez • March 19, 2024

Let's talk about alternatives – because life is all about comparing them, isn't it?



Step one: ask yourself, "Is this important to me?" Whether it's a nagging feeling that you want more out of life or a burning desire to achieve your dreams, it all starts with recognizing your aspirations. From there, it's about figuring out what steps you need to take to turn those dreams into reality.

"Success doesn't always come from a stroke of luck or an inheritance. It comes from hard work, determination, and a willingness to take calculated risks."

Money, time, skills, and your support team – they're all part of the equation. Sometimes, it feels like capital, or money, is the biggest obstacle standing in your way. But here's the thing – there are ways to overcome that hurdle.


If you own a home, have you considered ways to increase its value? Small improvements can make a big difference. And what about your expenses? Are there areas where you can cut back and save? Maybe it's time to reassess your living situation – whether that means downsizing, renting instead of buying, or even considering a move to a different market.


The truth is, building wealth isn't easy. But it is possible. I've had the privilege of working with clients and entrepreneurs from all walks of life, and I've seen firsthand that success doesn't always come from a stroke of luck or an inheritance. It comes from hard work, determination, and a willingness to take calculated risks.

Sure, real estate has been a tried-and-true path to wealth for many, but it's not the only route. The key is to prioritize your goals and align your daily habits with your long-term aspirations.


So, whether you're dreaming of financial freedom or striving to achieve a specific milestone, remember this – it all starts with a choice. Choose to prioritize your goals, take intentional action, and stay committed to your journey.



Here's to navigating your financial path with purpose and determination.


Book a call with Josh

Josh Perez
GET STARTED

Deposit Lending And Bridge Financing

By Josh Perez • April 30, 2025
Let’s say you have a home that you’ve outgrown; it’s time to make a move to something better suited to your needs and lifestyle. You have no desire to keep two properties, so selling your existing home and moving into something new (to you) is the best idea. Ideally, when planning out how that looks, most people want to take possession of the new house before moving out of the old one. Not only does this make moving your stuff more manageable, but it also allows you to make the new home a little more “you” by painting or completing some minor renovations before moving in. But what if you need the money from the sale of your existing home to come up with the downpayment for your next home? This situation is where bridge financing comes in. Bridge financing allows you to bridge the financial gap between the firm sale of your current home and the purchase of your new home. Bridge financing allows you to access some of the equity in your existing property and use it for the downpayment on the property you are buying. So now let’s also say that it’s a very competitive housing market where you’re looking to buy. Chances are you’ll want to make the best offer you can and include a significant deposit. If you don’t have immediate access to the cash in your bank account, but you do have equity in your home, a deposit loan allows you to make a very strong offer when negotiating the terms of purchasing your new home. Now, to secure bridge financing and/or a deposit loan, you must have a firm sale on your existing home. If you don’t have a firm sale on your home, you won’t get the bridge financing or deposit loan because there is no concrete way for a lender to calculate how much equity you have available. A firm sale is the key to securing bridge financing and a deposit loan. So if you’d like to know more about bridge financing, deposit loans, or anything else mortgage-related, please connect anytime! It would be a pleasure to work with you.

Should You Double Down or Diversify in Real Estate Investing?

By Josh Perez • April 30, 2025
If you’re crushing it with duplex conversions, Airbnb rentals, flips, or student housing, you might be wondering: Should I double down on what’s working—or start learning about other strategies to diversify my real estate portfolio? It’s a great question—and one I get asked all the time. My typical advice? Double down on your strengths, outsource your weaknesses. If you’ve found a strategy that fits your skills, market, and cash flow goals, it’s smart to build momentum. But in real estate—especially in today’s market—it’s just as important to stay informed and flexible. Why Staying Educated Matters Real estate isn’t static. The rules of the game are constantly changing. Lending practices shift. Local bylaws evolve. What worked flawlessly last year may become less profitable—or even unviable—this year. Here’s what I mean: “If lenders and banks don’t want to lend as much on certain assets—like student rentals or short-term rentals—or they start to clamp down on duplex conversions, that changes your rate of return. That changes the rules of the game.” If your entire strategy depends on leverage (and let’s face it, most real estate investing does), changes in financing can dramatically shift the effectiveness of your current approach. Keep Learning, Stay Adaptable Even if you’re succeeding now, always keep learning. New strategies like BRRRR, rent-to-own, mid-term furnished rentals, or commercial opportunities might offer different advantages in changing markets. You don’t need to master them all, but you do need to understand how they work—and when it might make sense to pivot. Final Thoughts Crushing one niche? Keep going. But don’t ignore the bigger picture. As markets evolve, being aware of shifting rules, lender policies, and local regulations will give you the edge.  At the end of the day, the best investors aren’t just good at one strategy—they’re nimble, informed, and proactive. If you want to chat about how to strengthen your current investments and position yourself for what’s next, let’s connect.