🔷 Sandhya Seshadri 🔷

Engineered Capital

Apartment Syndicator helping busy engineers and professionals diversify their portfolio from the stock market into real estate without the liabilities and headaches of a landlord.

Founder

I help Engineers make $ investing in apartments passively without Tenants, Toilets, Termites or Trash. No Loans, Liens or Lawsuits to worry about. Diversify from Wall St -> Main St.

Real Estate : John is a busy tech executive with a large portion of his portfolio in the stock market, and particularly in his company stock due to years of accumulating stock options. 

John wanted to diversify but didn't have time to take care of repairs, leasing, maintenance and potential liabilities with being a landlord.

So, John invested in 3 syndications with me, 2 of which have been bought and sold with returns exceeding initial projections. (Every deal is different and carries its own set of risks/rewards).

Oil & Gas: Due to the high interest rates in the past few years, Rita was hesitant to invest in real estate. I don't blame her. But she wanted the tax advantages from depreciation. So Rita invested in oil & gas instead, which can offset her W2 income with the 80% depreciation.

Technology startup : Jeff and I have known each other for over a decade, as electrical engineers. Jeff was not retiring for at least another 2 decades, and was looking for aggressive growth, and didn't need cash flow. He chose to allocate a portion of his investment $ in a technology startup.

One size doesn't fit all. As always, consult with your financial, legal and tax professionals like John and Rita did before making any investments.

The moment I did this, my life changed 

(I'm sad I didn't live all my life this way)

Stop complaining. Start the day with gratitude.

Yes, being thankful . 

Not... “why did this happen to me?

Most people on LinkedIn only share professional tips.

But this thanksgiving week .. let’s be thankful for what we have.  

$40,000 in damage.  

But a less than a foot away .. a 20ft fall into a creek.

Insurance claims. What a pain. 

But not one was hurt. No hospital visit. 

Just a driver.. a truck and a brick wall. 

Hug your loved ones ..
Be grateful for all your blessings 

Because life can change in a millisecond 

P.S. What’a one thing that you grateful for today ?

Sandhya Seshadri

Save 30% in 2025 taxes on $100K investment + greater cash flow via Oil & Gas investing 🔹 Trusted by 383 investors 🔹 Speaker and 2X Amazon #1 Best Selling Author

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$500,000 at stake from 6 distressed deals 

I am a Limited Partner (LP) 
In 6 deals which made Capital Calls
LP = Passive Investor = not in charge

When I say multifamily stinks.. 😷 
this is why.

❌The deals were overleveraged.. at 80% to begin with 

😥When property values dropped, that leverage is close to 100% now.

😳With the added capital call .. that’s 110% loan to value!

First order of business:

→ Read the Legal docs
→ Is it mandatory to contribute?
→ Are my shares reduced if I don’t?

Items to clarify with the general partners (GPs) or sponsors in charge:

- Why a capital call?
- Is it to buy a new rate cap?
- How does it get us out of the loan?

In other words, we need to find out if this is a Band-Aid fix, or a Permanent fix.

- Is there negative cash flow?
- What does break even look like?
- Will the capital call help refinance?

Why sink $ into a failing deal ?

→ Ask the questions 
→ Do you see a clear path to exit ?
→ GPs exhausted all other options?

Many folks are pressured into contributing to a capital call because it’s the only way to save the deal

But can it truly be saved at this level of leverage?  
----------------------------------
Message me “ checklist “ to screen a sponsorship team.

Many deals acquired in 2022 are in trouble.

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P.S. Drop the deal and sponsor name below ⬇️ if you know of a deal which returned all the money back to investors after a capital call.

Invest beyond the stock market 🔹 Trusted by 383 investors 🔹 Speaker and 2X Amazon #1 Best Selling Author

When I immigrated to the US, my dream was stability.

Today, it's stability + flexibility.

In 1990, when I made my way from India to the USA on a student visa, everyone kept talking about the "American Dream".  

The traditional path to financial independence with a W-2 job. 

Everyone was chasing the same goals:

1. Exciting career
2. Financial stability
3. A nice suburban home

Then, recessions happened. COVID happened. A lot has changed in 3 decades.

"Stable" is neither a goal nor a realistic possibility anymore.

In 2025, it's all about:

1. Flexible work hours
2. Financial variety (investments)
3. Flexible workplace / remote options

I wouldn't change my "now" to "then" for anything. 

The flexibility to spend time with my kiddos and my family. 

The school celebrations I can attend because my work hours allow me to pause from work.

Is this today's version of The American Dream?

---

Photo: Me at the airport ....working on my laptop ... at the end of a family vacay… location and time freedom..

Don’t mistake financial freedom for:

- More zeros and commas
- More cars in your driveway
- More luxury you don't need
- More sq footage in your home

This is just STUFF.

It doesn't make you happy.
It doesn't make you fulfilled.
It doesn't make you satisfied.

It just makes you want more.

Coming from someone who has achieved financial freedom over the last decade...

This is WHY you go after financial freedom:

🔹 Time with family that you can't buy
🔹 Freedom from a W2 paycheck
🔹 Trading desk time for travel 
🔹 Enjoying the short life we have

Time + Freedom = The Real Reason

Don't buy more stuff, buy more time.

P.S.  What is your favorite vacation destination?

Everyone's chasing the wrong flex.

The real flex isn't $100K in fees

It's making $ for investors without :

- Unrealistic assumptions
- Forgetting the fundamentals
- Doing multifamily due to familiarity 

I know people like me making 3% cash flow  working themselves to the bone in multifamily.

I know people making 25% cash flow  working 4 hours per day on stocks, oil and gas, funding fix and flips. 

Want double digit cash flow ?

It is rare in multifamily 

Does your multifamily deal follow the 1.2% rule of real estate? (Not 1%)

1.2% of $20,000,000 = $240,000 in monthly collections.  

Most deal failed this rule of thumb.

They are all waiting on the big upside at the end because of buying on a good cost basis.

Drop a YES if you know this rule ⬇️

I invested in a $8,350,000 deal in 2019. 

I invested in a $12,750,000 deal in 2020

Each of the assets had significant physical value-add work performed on them. 

• New branding and signage
• New 2-tone exterior paint
• New design landscape
• New appliances

Both deals exceeded stock market returns

And honestly? 

Not worth the risk anymore. 

Despite both of those acquisitions returning 2.1x in 3 years

Why? 

Because today, 3 things have changed for multifamily

- Cap rates are higher
- Rents are flat or negative
- The cost of capital is higher

When the payoff for a high-risk project is only slightly better, we’d rather choose the cash flowing one ..

My focus in 2025? 

• Double digit cash flow
• Fewer headache 
• Tax benefits 

Are you seeing double digit cash flow in multifamily?

Or other asset classes such as

- First lien debt funds 
- Retail, medical offices, MHP
- Energy sector like oil and gas

Comment “other” if you’re seeing you double digit cash flow elsewhere!

Note: This should not considered to be investment advice. 

There is no Solicitation of securities here. 

Please consult with your trusted professionals, such as wealth, advisors, attorney, tax professionals, etc. before choosing any investment.

100% loss of capital is possible in any investment so choose wisely !

Deal of a lifetime or a train wreck?

You like his post
You like her smile
𝘠𝘰𝘶 𝘧𝘪𝘯𝘥 𝘵𝘩𝘦 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘳𝘦𝘭𝘢𝘵𝘢𝘣𝘭𝘦

She seems so genuine
His videos are so authentic 
(𝘚)𝘩𝘦 𝘴𝘰𝘶𝘯𝘥𝘴 𝘳𝘦𝘢𝘭 𝘢𝘯𝘥 𝘤𝘰𝘯𝘷𝘪𝘯𝘤𝘪𝘯𝘨 

To me, that is good enough.. 
To buy 𝘉𝘰𝘺 𝘚𝘤𝘰𝘶𝘵 𝘱𝘰𝘱𝘤𝘰𝘳𝘯
Or 𝘎𝘪𝘳𝘭 𝘚𝘤𝘰𝘶𝘵 𝘤𝘰𝘰𝘬𝘪𝘦𝘴 

But wiring $100,000?
That took me years to save?
𝘉𝘢𝘴𝘦𝘥 𝘰𝘯 𝘢 𝘧𝘦𝘸 𝘓𝘪𝘯𝘬𝘦𝘥𝘐𝘯 𝘱𝘰𝘴𝘵𝘴?

❌ I don’t think so 

Let’s get back to the basics.,
How much research did you do?
To buy your last appliance or car ?

✅ Ask these questions instead

Have they done this before?
𝘐𝘯 𝘵𝘩𝘦 𝘴𝘢𝘮𝘦 𝘢𝘴𝘴𝘦𝘵 𝘤𝘭𝘢𝘴𝘴 𝘢𝘯𝘥 𝘮𝘢𝘳𝘬𝘦𝘵?

With several full cycle deals?
Meeting or exceeding projections?

What is the source/ bias of your data?
𝑫𝒊𝒅 𝒂 𝒑𝒓𝒊𝒐𝒓 𝑰𝒏𝒗𝒆𝒔𝒕𝒐𝒓 𝒄𝒐𝒏𝒇𝒊𝒓𝒎?

Is it really the next best thing?
Do you truly understand it?

How are their deals doing today?
Any Capital calls or member loans?

How much $ are they investing?  
𝘈𝘧𝘵𝘦𝘳 𝘴𝘶𝘣𝘵𝘳𝘢𝘤𝘵𝘪𝘯𝘨 𝘵𝘩𝘦𝘪𝘳 𝘢𝘤𝘲 𝘧𝘦𝘦𝘴 ?

𝑫𝒊𝒅 𝒚𝒐𝒖 𝒓𝒖𝒏 𝒂 𝒃𝒂𝒄𝒌𝒈𝒓𝒐𝒖𝒏𝒅 𝒄𝒉𝒆𝒄𝒌?
𝘐𝘴 𝘵𝘩𝘪𝘴 𝘱𝘦𝘳𝘴𝘰𝘯 𝘪𝘯𝘤𝘩𝘢𝘳𝘨𝘦 𝘢𝘧𝘵𝘦𝘳 𝘤𝘭𝘰𝘴𝘪𝘯𝘨?

What is the source of the inputs?
Going in to the analyzer spreadsheet?

🗑️ Garbage IN =  Garbage OUT 🚮

———————————————
Download my free checklist 
From my website

Put together a spreadsheet 
Record the answers 

Don’t skip the steps
𝑰𝒏𝒗𝒆𝒔𝒕 𝒊𝒏 𝒉𝒂𝒔𝒕𝒆. 𝑹𝒆𝒑𝒆𝒏𝒕 𝒂𝒕 𝒍𝒆𝒊𝒔𝒖𝒓𝒆 
———————————————-

P.S. Did any of these tips surprise you?

My friend / engineer was sobbing 😭

2 of her deals foreclosed - lost all $

“Ava” called me to say that she’s lost a chunk of her savings.

“Ava” was part of a group of LP investors in the Bay Area, who collectively vetted this sponsorship team and deals. 

They got to know, like and trust the sponsors. Good people who lacked experience.

My 4 best tips so it doesn’t happens to you : 

1. Ask for their history of full cycles in that market and asset class.

2. Require full monthly financials that include all items in the general ledger

3. Intervene and get involved if the property fails certain metrics within a quarter. 

4. Ask for the status of all their current deals. Any in distress with negative cash flow ?

“Passive” investing is not purely passive.

P.S. Which of the 4 tips resonate ?

♻️ if you find my posts useful, please consider a repost to help other investors.

It took me 2 years to realize my $100,000 mistake.

(Background check is highly underrated)

After investing aggressively for 2 years, 

I finally understood that market location is only 1 of the factors

When it comes to investing in any alternate asset, 

It all starts with the team in charge

Use my checklist.  Don't deviate.
Be focused on the team in charge first. 

3 different background checks revealed :

- Multiple bankruptcies
- Jail time for a convicted felony
- Years of prison time for SEC violation

These were all famous people on podcasts, stages and mentorships

Networking with others revealed 100% loss of investor capital across deals

Or deals with zero equity remaining to recover for LPs

Wake up, friends.  

Financial freedom will come easier only if the investment is backed by a solid team.
.
P.S. Save this post for yourself and repost to save someone else's hard eared $

What’s one tip here that you found the most helpful?

I spent $80 to add $2500 in revenue

It's easier than you think...

I did it with a mini model set up on 2 “stale” units:

- Buy accent pieces
- Decorate in 10 minutes
- Take pics for social media
- Offer a “look and lease” special

The cost of items per unit was $40

Prospective residents toured units and loved the look

They signed the lease.. $1,250 per unit x 2

No heavy furniture to move
No fancy upgrades like Granite
No $$$ designer to stage the units

This saves your staff effort.
This saves staff’s time.
This saves you $$$.

All 3 of these things being critical to your success.

P. S. Have you done a mini model before?

Drowning doesn't happen when you fall in the water.

It happens when you stay underwater.

If your deal is drowning because the Net Operating Income (NOI) is insufficient to pay the mortgage due to a floating rate bridge loan...

You are in trouble.

Try these 3 things to see if you can stay afloat:

1. Look at your negative cash flow every month.

How confident are you, your partners and the property management company that you'll be able to at least break even? And by when?

2. Get a BOV (Broker Opinion of Value)

Confirm if the resale proceeds will be enough to pay off the mortgage and return some profits to your investors → even if it’s a little less than the initial projections.

3. Get a quote from a creative lender.

Check if there's a way to refinance the deal → Yes, the right lender can make a difference.

Reality check:

Interest rates may not come down anytime soon.

Hoping they will → this is not a strategy. You need to take action TODAY.

Weigh your options → Starting with the 3 above.

Drop a YES if you are aware of a deal in distress ⬇️

Netflix is a $220,000,000,000 empire 

Powered by indecision.

They charge around $15 a month.

People keep subscriptions for years.

The kicker? 

Many spend more time browsing ..
than actually watching 😂

This is the magic of “choice overload.”

Why it works:

The endless library makes it feel like there’s always something worth staying for

The recommendation algorithm keeps you thinking your next favorite show is just one click away

FOMO kicks in whenever a new hit drops

Shared accounts spread the habit without extra cost to you

Canceling feels like giving up a VIP pass to the party

Netflix isn’t chasing maximum watch time per user.

They’re chasing maximum stay time.

That’s how they generate billions in recurring revenue while funding more content than anyone else.

The bigger picture?

They just need you to believe you might.

What other businesses quietly profit from you sticking around?

P.S. Amazon prime,  Netflix or both?

You’ll be penalized if you don’t contribute

This is not just 1 group 

It is multiple groups across the board setting this new trend 

What happens when a deal runs out of money? 

A capital call.  

Investors are asked to put more money into the deal instead of receiving dividends.

Yes, the script is flipped.

Now to add insult to injury,

They push and persuade investors to put more money into the deal

The original operating agreement is modified with a majority vote by the contributing investors

The plot thickens

Let’s say you invested $100,000 initially.

Now the deal needs 15% more money

When you contribute $15,000
Your entire $115,000 is in a preferred stack 

But if you decide not to contribute the $15,000

Your original $100,000 gets pushed to the bottom

So the odds of you ever seeing a penny of your original investment is very slim

Per the original agreement..
Only the 15,000 contribution is in a preferred stack

But now they’ve persuaded investors, and changed it.. so if you don’t contribute you are penalized

Yup, that’s how they will treat you the investor who trusted them with $100,000. If you don’t play.

P.S. are you OK with this as a passive investor or fund manager?

Is it OK to change the operating agreement to get investors to contribute to a capital call and penalize those who don’t?

The author can see how you vote. Learn more

Andrew Rosenberg

ABUNDANCE ASSET MANAGEMENT LP

Co-GP

CRE SPOTLIGHT

Host and Founder

Ralph Rosenberg Court Reporters

Family Business

SIMPLY SUNDAYS - CRE Zoom Networking Meetup

Co-Host

Family Office | Capital Markets | Oil & Gas | Real Estate

UPDATED:

Looking to acquire large off-market portfolios of Single Family Rentals.

Stabilizing Oil & Gas and mining operations domestically and internationally

Investment fund with a focus risk mitigation is performing "well" - happy to discuss further.

* I do miss podcasting at times...

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