What does your future look like?

People come into the Ninja Investor Programme with dreams of what their future as a property investor will look like.  Dreams are good; but goals are better!

Goals are dreams that you are prepared to take action on – and are prepared to do whatever it takes to achieve.  It’s not easy, but with the right knowledge and guidance success as a property investor is achievable by anyone who is prepared to put in the work.

Unless you’ve come into a big wedge of money, from necessity most people start part-time. Your day job is your bill-payer and saving pot and that means that building your property career must be done outside of that.  In truth, success in property comes at a price. 

Some people have the ambition to make property their full-time career, giving them the financial freedom to leave a currently unfulfilling occupation.

Others are in careers they have a passion for and don’t have any intention to leave that but see property as a means of improving control of their lifestyle and that of their family – and perhaps to work when they please, not when they have to.

Let’s be realistic, there are only 24 hours in a day and you can roughly compartmentalise those 24 hours into three 8 hour sections. 

• Most people work 8 hours a day to generate their main income.
• Most of us need to sleep for around 8 hours to recharge and stay healthy.
• That leaves around 8 hours for leisure and relaxation.

You can’t – and shouldn’t – work on your property career while you’re at your day job.  You shouldn’t sacrifice sleep or you’ll burn out and become ill.  So your leisure time has to take a hit while you build your property income.  Your social time and activities have to be rolled back for a period and that’s the necessary sacrifice required to give a burgeoning property career room to flourish and grow. In fact, the more your property career becomes an all-abiding hobby that you can’t get enough of, the greater the probability of your success being achieved! 

People who don’t succeed are those who’s motivation isn’t strong enough to make this sacrifice.

The wonderful plus side is that giving up your leisure time short-term will allow you to have much more free time long-term. 

You’ve got to go through the ‘pain barrier’ – which is typically 2-5 years.  That’s how long most of my students take to create sustainable lasting change. Let’s be realistic, there is no instant success pill to take or button to push. Setting unrealistic expectations is another big reason people give up on their property dreams and goals.

Let’s take a look at some of their stories.

Becky and Dominic already had a property portfolio worth £350K and were looking to step it up.  They signed up to the Ninja Investor programme and this was what they said:

“We learned to leverage finance and opportunities we didn’t even realise were possible for us!  With Kevin’s training and fantastic support, we systematically built our portfolio to £1,800,000 in under 3 years”

Dominic has now retired from his other business and property is their full-time income generator.

People who are not successful are those that never get the traction.  Not enough time invested and not enough effort put in.  Don’t quit when the going gets tough.

Shania knew that there was a more creative way to finance her property aspirations, but didn’t know where to find out about this.  Then she came on the Ninja Investor Programme.

In 2021 she banked £90,000 from two properties she flipped.  She recycled all her cash out of another property using the BRR philosophy and proved that this approach still works in high capital areas.

Three years later she has bought more than 20 properties and flipped some generating profits of more than £250,000, while others are rented out – with no capital remaining in any of them.  As they’re all in London the capital growth potential is well over £1m.

Success is magnified by training – as long as it’s the right training.

There are people who will tell you ‘Don’t pay for training, you can get it all for free on the internet’.  I agree, you can, you can similarly buy all the component parts for a car, BUT you still have to know how to put all the parts together and make it work –Property is the same, learning how to implement in a logical, sequential order is the key.

Damian had clear goals when he came to training.  He wanted to learn how to scale property deals big enough to quit his day job and live a different lifestyle.  He had aspirations to afford a multiple unit project.

By 2021 he was earning £100,000 p.a. from two holiday lets, comprising 6 flats and one big house that sleeps 18.  He’d cut down his full-time job to just two days a week.

Three years down the line in 2024 he now has 4 HMOs, 4 single lets, 2 charity homes and 13 holiday lets with around £800,000 of equity in total – and generating an income of £22,000 per month.  He quit his job at the beginning of 2023 and living the dream he had at the beginning.

Many people like the idea of property investment as a route to financial independence.  But, if you’re not seriously motivated, you’d be better looking elsewhere to generate an income.  Otherwise you may dabble and lose money in the process.

Having clear goals is essential.  It’s not just having a number in mind for the income you want to make.  It’s more about what that income will do for you and your family. Most of us are driven by emotions and feelings, so there’s more power in visualising what you’ll be seeing, feeling and doing when you have that lifestyle you dream about.

Money itself doesn’t make you happy.  It gives you peace of mind, but it’s more important to know what you want to do with it.

Nilesh started out believing it would take him a lifetime to build up a decent cash flow.  But learned about using intelligent bridging and applied his knowledge.  It took 5 years, but in 2021 he had a property portfolio worth more than £2,000,000, with 4 commercial properties producing more than £100,000 of income each year.

By this year, that portfolio has grown with an additional 2 more commercial properties and an annual rental income of £178,000. Now he can pursue the vocation he still loves but can choose the frequency, duration and rewards he gets from it.

There’s a common theme to all these case studies – each investor let go of their original beliefs that were holding them back and took the new knowledge and put it into action.  They worked hard and stuck at it – that’s why they achieved the results.

Anything is possible, but how much are you willing to do to get it?