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Thirty percent, maybe even more forty
percent of all homes might be owned by

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hedge funds, a large hedge funds. So the American dream is definitely getting

3
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tougher to do, especially in this
climate with increased interest rates. We're predominant

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a multi family space and we are
pretty bullish there. There has its own

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set of issues, of course,
with all the debt out there rising pretty

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hard and the floating rates coming do
with that, So we really do see

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opportunities to be purchasers in that space
as well. As you are listening to

8
00:00:31,440 --> 00:00:36,960
Carrie Let's's Financial Survival Network, where
you get valuable information you just can't find

9
00:00:37,039 --> 00:00:43,119
anywhere else to thrive in today's trying
times. You need the Financial Survival Network

10
00:00:43,399 --> 00:00:48,640
now more than ever. Go to
Financial Survivalnetwork dot com and get your free

11
00:00:48,679 --> 00:00:59,280
newsletter and gift. Financial Survival Network
now more than ever, And welcome you

12
00:00:59,359 --> 00:01:03,679
are in listening to watching the Financial
Survival Network. I'm your host, Carrie

13
00:01:03,759 --> 00:01:07,439
Luntz. Hey. Real estate,
real estate, real estate. You know,

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in tough times, you know,
if you invest smartly in real estate,

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especially after it's come down a little
bit, that could be the key

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to generational wealth. Some of my
best deals I've ever made in my life

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have been a real estate because when
you do it right, you'll get a

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windfall. But the key is you
got to do it right. And with

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us now is Craig Sicilio, founder
of Diversity Fund, a fund out of

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Chicago. A. You've been a
guest on the show before, Craig.

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We're really happy to have you back. Yeah, thanks, Kerry, thanks

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for having me on the show today. So you believe that the American dreams

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should be available to everyone regardless,
and I totally agree with you. And

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that doesn't always seem to be the
case today, does it now? Especially

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today today, we're any definitely a
different time period. The markets have been

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frothy for so long or at least
a whole decade in rendering a downturn here,

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and those downturns really present a lot
of opportunity for people. I know

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there's a lot of fear out there. However, this is where the transparence

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of wealth happens. This is when
those distressed assets are on the market,

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and this is where the institutions go
in and really buy from each other.

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At the end of the day,
we make that well, yeah, that's

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it, and Hey, the smart
buyers know when to buy. But look

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like we do have sectors of real
estate that are once upon a time where

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thought to be storybook trophy properties that
are now in the dumps and nobody can

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quite figure out what to do with
them. I'm talking about office buildings because

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the entire way that we live,
work and shop and it's all changing,

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right, So yeah, so opportunity
is it residential? Is there opportunity in

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those commercial properties that are no longer
going to be in use they can be

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repurposed and perhaps turn to residential or
something else. So what's your thoughts?

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Well, see, I think each
market's gonna be a little different and the

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influence is gonna be a lot on. I hate to say bring politics in

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this, but there's a lot of
policies that got place. Do you look

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in at cities like San Francisco and
New York and what's going on there?

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Even la those are larger problems and
just real estate problems. At the end

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of the day, we had the
whole pandemic to work from home culture.

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A lot of things have changed,
but at the end of the day,

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I do see a little bit of
a thirst for people to work with each

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other to come back the office.
I am seeing that, I'm seeing some

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leading indicators out there, so I
would I'm a little bit kind of I

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would say bullish on this. If
I come across some good office space,

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I'd like to put a good offer
out there and kind of see where the

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tides come in. As far as
rezoning, I'm not sure if you've ever

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done anything in New York City or
some of these news cities that just doesn't

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really happen. You could say that, and you know this person or that

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person, but I don't see that
being a solution on at least a holistic

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level. Well, interesting thing is
those old buildings in New York. I'm

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talking the ones that were built in
the late teens, nineteen teens, twenties,

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thirties, and forties. Those buildings
were much more repurposable, if that's

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a word. Then the newer buildings
from the seventies, sixties, seventies and

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on, because there were smaller buildings
due to the building technology of the distance

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that they'd go from the elevator core
was perfect for renovating, rehabbing, converting

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into residential. The newer buildings,
you know, you have one hundred thousand

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foot floors with no anything, you
know, just open space, and they

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really don't lend themselves to that repurposing. You got any ideas what to do

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with these newer high rise skyscrapers that
are no longer going to be occupied for

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commercial uses. Yeah, I'm not
even touched that. I'm more not so

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much of the office space myself that
that is something that Yeah, I just

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at the end of the day,
there's a lot of smart people out there.

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I have firm beliefs that someone's going
to figure something out to make a

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buck off of that with dis kind
of ads that someone's going to buy them,

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take a gamble on it, and
usually figure something out. That's kind

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of been History has proven that that
people have been resourceful and know how to

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reposition assets, especially in the commercial
space. So I'm pretty again, pretty

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bullish that things will will turn around
when I'm not sure, but I'm pretty

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sure it will happen at some time. Yeah, it's just it's kind of

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the sixty four trillion dollar question,
you know, getting back to what you

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do, And I'm only pumping you
for information because you're an expert in this,

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an expert in residential real estate.
How do we make it work for

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everybody going ahead? How does everybody
get to realize the American dream? It's

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right now, it's tough. I
recently read some on an article about thirty

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percent, maybe even more forty percent
of homes might be owned by hedge funds,

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a large hedge funds. So the
American dream is definitely getting tougher to

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do, especially in this climate with
increased interest rates. We're predominant a multi

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family space and we are pretty bullish
there. There has its own set of

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issues, of course, with all
the debt out there rising pretty hard and

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the floating rates coming to do with
that. So we really do see opportunities

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to be purchasers in that space as
well as but I haven't really seen residential

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single family come down as much as
I thought it would be. I think

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sellers have just had great rates and
so they're not incentivized to sell their homes

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for discounts, and buyers, unfortunately, with these higher interest rates, they

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need to have those prices a little
bit lower to purchase to keep that payment

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the same. But there hasn't been
since the last downturn that was a tough

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one to survive when all those loans
can do to those teaser rates, those

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ninja loan products out there. We
don't have that this time around, so

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it's a little different. A lot
of people on the sidelines would limited supply.

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Hey, and let's not forget that
the three percent mortgage has become an

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asset, whereas before it was just
a liability. But when you have an

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undermarket interest rate, then it becomes
an asset effectively, and it kind of

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traps you because, hey, unless
you could buy your place that you're looking

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to move into for cash, it's
going to cost you more than double what

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you're paying now. Assuming if you
downsize, you wind up downsizing and paying

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the same price, the same monthly
payment for a place half the size.

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So this has led to a really
schizophrenic market, hasn't it. Yeah,

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it has, and you're not The
bank is not incentivized to allow that loan

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to be assumable because they're only making
three percent on their money too at the

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end of the day. So the
whole thing is kind of a conundrum.

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At the other day, and looking
back at a lot of this came from

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trying to solve the issues from the
pandemic and how much money did we pump

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into the market from the pandemic.
It was trillions and twenty trillion dollars into

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the market. So this is new
territory for us that has never happened before.

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And that much money pumped into the
market due to the due to something

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such as the pandemic. And unfortunately
they didn't think things through. Yeah,

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well they never do. I mean, we're dealing with let's face it,

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we're dealing with government here. What
was the last time they ever thought anything

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through, right, I mean,
let's face it, it's government. They

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have their whole separate agenda in place, and their you know, priorities,

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everything else, all right. So
looking ahead for real estate and then you

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do this for a living, we
see more appreciation. What do you see

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happening here? Oh? I see, I see a slow down across the

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board. I'll stay the area we
specialize is multifamily. We're seeing a lot

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of smaller developers and players having capitol
calls loans coming to high loan of value

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loans in a lot of trouble right
now with that. So I think from

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the other perspective is if you're a
buyer, I think there will be some

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good opportunities for you. Since we've
talked about the lack of supply in the

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local residential area. Multi family would
looks like a strong asset class because people

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need a place to live and they're
in a rent I don't see think you

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can see those rents go up as
much as they did. They went up

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astronomically the rental price. Maybe you
see a little flattening there, but I

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don't see that depressing too much.
And then again, with that being said,

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I think you have to look at
each local area across the country to

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see those particular markets and how they
have changed because there's been a mass migration

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through the pandemic and now with a
couple of these things we've talked about earlier,

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Hey, are we going to bring
people back the office? Are people

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forced to move out of some of
these markets kind of looking at those trends

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at the end of the day,
or are they stuck in those areas and

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they're going to stay there? So
what does that all look like? A

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lot of moving parts here? That's
the truth, you know, that's the

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truth. And obviously there are businesses
that require the presence of their employees.

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On the other hand, the flip
side of that is, if you're a

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single parent or even two working parents, and you're able to do a hybrid

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thing where you can work at home
for part of the time and go to

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the office for part of the time. This is like the greatest thing that

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ever happened to your family. Think
about it, you know. So,

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while it's definitely killed the commercial real
estate market, it's really a great thing,

145
00:11:31,919 --> 00:11:35,440
right, Yeah. I mean if
you look at some of the stats

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out there, the data says that
we have the highest care, highest cost

147
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of daycare in the world, the
US. Yeah. No, how do

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you have a mom, maybe a
single mother, how does she get in

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the office? Because of that?
That just a numbers just don't work.

150
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So that's where it comes into handy. The work from home culture does do

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that. And so the greater issue
there is that the cost of daycare at

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the end of the day. So
there's got to be some kind of balancing

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out here. If you want people
back in the office and there's a percentage

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of workforce that economic economically cannot get
back to the office, there has to

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00:12:09,120 --> 00:12:15,519
be some flexibility there. Yeah,
exactly, And so all right, so

156
00:12:15,720 --> 00:12:20,879
residential peaking, but you're still going
to get returns. Assume that inflation is

157
00:12:20,919 --> 00:12:24,240
going to continue onward. Then even
if you keep up with the rate of

158
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inflation, you're still doing pretty well, aren't you. If you're buying stuff

159
00:12:30,000 --> 00:12:35,440
today and you factor in the cost
of the debt and inflation, so in

160
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the future, three, four or
five years out, that balance the self

161
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out. You you look at what
you bought, you bought a pretty good

162
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deal. So for instance, I'm
looking at something I'm buying at a seven

163
00:12:43,519 --> 00:12:46,600
percent interest rate, and let's just
say rates in three or four years come

164
00:12:46,639 --> 00:12:50,159
down to just five percent. Yeah, you're going to make some You're going

165
00:12:50,240 --> 00:12:52,919
to you'll make some good money on
the asset you bought, as long as

166
00:12:52,919 --> 00:12:58,600
you adjust it with the new the
new rate to stay's environment. Sure,

167
00:12:58,879 --> 00:13:03,399
So so oh really, really it
looks pretty good for the future. Or

168
00:13:03,440 --> 00:13:07,120
it's certainly better than other autset classes. Right, yeah, And I'm gonna

169
00:13:07,120 --> 00:13:11,960
circle list back. Who really has
the funds to hold things long term?

170
00:13:13,080 --> 00:13:16,759
So if you look at how many
people have that most people struggle economically at

171
00:13:16,759 --> 00:13:20,799
the end of the day in this
country, and the top one percent they're

172
00:13:20,799 --> 00:13:24,200
the ones that, hey, you
know, they love this time period because

173
00:13:24,240 --> 00:13:26,759
they could hold, they could buy
and hold. They don't have to worry

174
00:13:26,759 --> 00:13:28,000
about their day to day bills.
So that's what they do. They go

175
00:13:28,080 --> 00:13:31,879
in, they buy things discounted,
they hold on it, and then the

176
00:13:31,919 --> 00:13:35,399
market's good, they sell. So
they're not really worried about their day to

177
00:13:35,440 --> 00:13:39,759
day activities, how they're going to
pay the rent or the mortgage or daycare

178
00:13:39,759 --> 00:13:43,799
and those things. They're professional investors. They are very rational and they're very

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00:13:43,840 --> 00:13:46,519
patient at the end of the day. And it's tough. It's tough for

180
00:13:46,600 --> 00:13:52,440
everyone else to have that same mindset. Yeah, yeah, it really is.

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00:13:52,639 --> 00:13:56,159
But you need to somehow get that
mindset right if you want to ahead,

182
00:13:56,759 --> 00:14:03,000
you got to get out of the
struggle mindset and into the opportunity mindset,

183
00:14:03,039 --> 00:14:07,000
if you will. Right, it's
tough. Yeah, you should be

184
00:14:07,120 --> 00:14:09,440
thinking that way. That's some of
the stuff. And I'll go talk about

185
00:14:09,440 --> 00:14:13,399
the financial education that's not really taught
in schools or anything, and how do

186
00:14:13,399 --> 00:14:18,320
you learn about how do mess and
all that? Could you describe financial education

187
00:14:18,399 --> 00:14:22,399
because there wasn't taught in any school
I ever went to. Yeah, I

188
00:14:22,399 --> 00:14:24,639
don't. I don't know. I'm
just trying to think if I ever had

189
00:14:24,639 --> 00:14:30,559
that did a lot of schooling saying
that No, no, I can't think

190
00:14:30,559 --> 00:14:35,879
of a class that was said in
high school college afterwards, I just yeah,

191
00:14:35,120 --> 00:14:39,480
I'm just not really. Yeah,
I got fortunate to have some mentors

192
00:14:39,519 --> 00:14:41,879
at an early age to teach me
this stuff. But yeah, I don't

193
00:14:41,919 --> 00:14:46,720
remember anything. I couldn't agree with
you more. And you know, it's

194
00:14:46,759 --> 00:14:52,120
something that's really in short supply,
and you don't know you don't have it

195
00:14:52,240 --> 00:14:56,799
until you find out that you really
need it, and then you don't have

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00:14:56,879 --> 00:15:01,240
it. Right, it's too late
usually most of that time. Yeah,

197
00:15:01,639 --> 00:15:07,960
but but there's always hope and look, you can get it, and certainly

198
00:15:09,039 --> 00:15:15,679
on the internet, it's never been
easier to obtain that vitally needed financial education

199
00:15:15,840 --> 00:15:20,919
than now. Right, Yeah,
I mean in some cases today, definitely.

200
00:15:20,480 --> 00:15:22,440
I don't want to say it's too
late for people. There's always an

201
00:15:22,440 --> 00:15:26,200
opportunity to learn. I think there's
opportunities today for people to take advantage of.

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00:15:28,480 --> 00:15:31,799
I really do think the way the
economy is with a lot of people

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00:15:31,879 --> 00:15:33,960
could be creative with their jobs.
A lot of people have a side hustles

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nowadays. This wasn't here in the
past. There's a lot of opportunity for

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people to look beyond their W two
job and to make some income from themselves,

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but really to study how to make
long term wealth is very important.

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There's still not a lot of education
out there about it. There's a lot

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of disinformation. I can't understand that
disinformation. But we all know when the

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algorithms drive the traffic and drive the
articles that you read all day long,

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every day you're reading right now,
where there's a lot going on the news

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politically, geopolitically is going on.
There's a couple of wars going on at

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the end of the day, so
there's a lot out there that's being pushed.

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But I do hear a lot more
about Travis Kelsey and Taylor Swift than

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I do about the war in Ukraine, though that find that fast. So

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to keep our priorities straight here,
what's more important than Taylor Swift? I

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don't know the other guys. So
Travis I've heard something about on my kids

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mention it whatever. Yeah, but
yeah, like you could be doing something

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useful instead of the stargazing or actually
know a couple of other choice words for

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00:16:38,559 --> 00:16:42,039
it, but we'll just call it
stargazing, all right. So, Greig,

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people want to find you, want
to get in touch with you.

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Where do you go to find Craig. Yeah, great, easy pers my

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company Diversity Fund dot com or we're
active or active platform that's opened up for

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micro investors as low as five hundred
dollars take advantage of these distress assets in

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00:16:59,840 --> 00:17:04,079
this downturn. Check me out my
social profiles LinkedIn Twitter, Instagram, Craig

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Cicilio very easy to find. I
don't think anyone else has the name so

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excellent. Well, there's a link
in the show notes to this interview on

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00:17:12,960 --> 00:17:18,240
Financial Survival Network dot com. Make
sure you go there. Sign up for

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00:17:18,319 --> 00:17:22,759
our free newsletter, The Guess that's
free, like the best things in life.

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00:17:22,000 --> 00:17:26,079
If you got a question for Craig
myself happy to get it answered for

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00:17:26,119 --> 00:17:32,880
you quickly. The email address is
Klahcarrie LUTs dot com. Creig, It's

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00:17:32,920 --> 00:17:37,279
always a pleasure talking with you.
I'd like your global perspective and your holistic

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approach and we'll definitely have you on
again soon. Trey, Thanks Kerry,

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00:17:41,720 --> 00:17:45,720
thanks for having me, appreciate it. Thanks for listening to Carrie Letz's Financial

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00:17:45,839 --> 00:17:51,039
Survival Network, your solution to today's
trying times. For the latest, go

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00:17:51,119 --> 00:18:02,839
to Financial Survivalnetwork dot com. Financial
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