Designing Work-Optional Lifestyles for Women & Couples with Dynamic Financial Plans | Financial Consultant for Executives & Business Owners in Sports & Tech | Financial Wellness Speaker

Most financial advice wasn’t made for women with full lives.
It was made for simplicity, and usually, for men.


The people I work with aren’t starting from zero. They’re earning well, making smart choices, and juggling a lot of moving parts - work, family, and future plans all at once.

Some make financial decisions on their own, others share them with a partner. Either way, they want to see how it all fits together and feel confident that the choices they’re making now won’t limit their options later.

I’m Renee Cohen, CFP®, founder of Nexa Wealth, a life-first financial planning firm for women in their 40s and beyond, and the partners who plan life alongside them.

I started Nexa because I was tired of watching capable women follow generic advice that ignored their real lives. Money touches every choice: career shifts, equity compensation, real estate, caregiving, stepping back or leaning in and each one deserves context.

My role is to be your steady partner in decision-making:

• To make complex choices feel clear and manageable
• To help you weigh trade-offs without judgment
• To keep your plan flexible enough for both now and later

Together, we build a living financial roadmap that evolves with you, so you can move forward knowing every dollar has direction and every decision has perspective.

My clients describe me as calm, direct, and easy to talk to. I’m here to help you think things through, not judge your past decisions or tell you what you “should” do.

Most of the people who find me don’t have the time or desire to become experts about money.
They just want someone they can trust to make sense of it all, explain things clearly, and help them make smart choices without turning it into a second job.

If that sounds like you, and you’d like a partner who helps you make confident financial decisions without putting life on pause, you can reach me here or at nexawealthplanning.com.

Renee Cohen, CFP®

My brain is still buffering.

Week one of 2026 is done.

I've opened the same email three times without reading it.
I wrote 2025 on a client wide message I sent yesterday.
My to-do list looked at me and laughed.

Somewhere along the way, we decided that "back to work" means "immediately performing at peak capacity."

That's not how humans work.

But I showed up. The work got done.
Just maybe not at full speed and that's okay.

If your first week back felt more "survival mode" than "CEO mode".  Same.

We made it. That counts.

Happy Friday. 💙

→ What's the most "week one" thing you did this week?

Renee Cohen CFP®

Financial planning that puts life first | Partnering with women and couples to make confident money decisions | Founder, Nexa Wealth

“Okay, maybe a dumb question…”


“Don’t you just make money off managing investments?”

She said it halfway through our intro call.

Fair question.
You’ve probably wondered it too.

I hear that all the time.
And I don’t blame you.

The industry hasn’t done a great job of explaining how this actually works.

So let’s break it down.

Financial advice has often been pitched as a “free perk” if you buy a product:

A mutual fund.
An annuity.
An insurance policy.
(Take your pick.)

But the advice?
It’s not really free.
It’s just buried in the fine print or baked into a commission.

So the real question becomes:

Was that advice truly in your best interest
or was it about meeting someone else’s sales quota?

That’s why I charge for advice first.

When you’re paying for a plan,
you know the recommendations are built around your life, goals, and values,
not what someone’s trying to sell you.

And yes, sometimes we implement investments or insurance too.
But that comes after the strategy is clear, not before.

And when we do place a product?
It’s because it fits your plan.
Not because there’s a bonus attached.
Not because it’s the “recommended option” from a brokerage firm.

Financial planning should feel like clear, unbiased guidance across all the pieces of your financial life.

If no one’s ever walked you through how this works, that’s not on you.

This industry hasn’t always been transparent.
But you don’t have to stay in the dark.

You deserve to know who’s truly in your corner
and who’s working off a commission.

📌 What’s one thing you wish you understood more about working with a financial advisor?

My nephew checking his inbox during the holidays.

Zero unread.
Full focus.
Very serious business.

I unplugged for the holidays, but my inbox didn't get the memo. 847 emails waiting.

Hope your holidays were filled with good food, good people, and maybe even some real rest.

The kind where you actually put the phone down and didn't feel guilty about it.

Now back to reality. 😅

But I'm back now and glad you are too. Happy 2026.

What does your inbox look like this week? Clean or chaos?

Financial planning for women | Real conversations about money for women in their 40s and 50s | Financial Planner + Founder, Nexa Wealth

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The biggest drain on your money usually isn’t what you’re spending.


It’s the mental load of carrying all the decisions at once.

Not the obvious, one-time choices.
The ongoing ones that never really turn off.

Should I change this now?
Am I missing something?
Is this still the right move given everything else going on?

What wears my clients down isn’t lack of discipline.
It’s having too many moving parts living in their head at the same time.

This week alone, that showed up in a few different ways.

One client is moving overseas.
Exciting, yes. But it comes with layers of decisions around what happens to her accounts, what can stay in the U.S., what needs to change, and how to handle taxes without creating problems later.

Another client has several big expenses coming up at once, all competing for the same dollars.
The question wasn’t whether she could afford them.
It was how to prioritize them without putting unnecessary pressure on cash or derailing what she’s building.

And another client inherited a large stock position years ago.
It’s now a big part of her net worth, right as she’s planning a major home renovation.
So we had to think through diversification, taxes, timing, and how to fund the renovation without everything feeling tangled together.

This is the part of money work most people don’t see.

It’s not one decision.
It’s how every decision touches several others.

A big part of my role isn’t telling clients what to do.
It’s helping them get everything out of their head and onto the table.

We look at how the pieces connect.
We talk through trade-offs.
And we make decisions in a way that fits their life.

That’s the kind of work I do with clients, and I don’t open it all the time.
I do have two spots for my 3-month planning work right now.

If you want to talk through whether it’s a fit, just DM me.

Some of the costliest money decisions don’t look risky when you’re making them.


They look reasonable.
It’s the choice that lets you move on and get back to your life.

When clients come to me, this is usually where they are.

They haven’t made some obvious “big” mistake. For the most part, they’ve been making “good moves”. 

But they’re carrying a lot of decisions at once, and decisions feels like it impacts five other things. 

Something that worked a few years ago may not be working the best now. 

Using cash for one thing changes what’s available later.

Moving investments affects taxes and timing in ways that don’t show up right away.

Because nothing feels wrong in the moment, it’s so easy to keep going as is. 

By the time we talk, they’re usually overthinking the same questions.
And wondering if they missed something.

This is the point where I slow things down.

I don’t start by fixing anything.
I start by separating the questions that have been competing with each other.

What needs attention right now.
What can wait without causing a mess later.
And what decisions would limit you in if you made them too soon.

Once those pieces are no longer tangled together, their decisions start to feel easier to make.

Because the client isn’t trying to solve her entire financial life in one conversation anymore.

She’s deciding the next right thing, with the bigger picture present.

Most of the time, there isn’t something wrong with your money.

You’re just carrying more decisions than you should have to on your own.

And that’s usually when money starts to feel reactive, instead of something you can actually see and steer.

“I know it’s dumb, but I still feel like I’m not where I should be.”

I hear this every week.
Usually from women with more money than they’ve ever had.

You may not have said it out loud.
But you’ve probably thought it.

“I should be further along by now.”

Further along than who?

An article that says you need $3M to retire?
A calculator that doesn’t know your life?
A coworker who talks big but has no real plan?

The goalpost keeps moving because it was never yours to begin with.

What’s usually missing isn’t money.
It’s a definition that actually fits.

Most people aren’t behind.
They’re measuring against someone else’s formula.

Instead of asking “Am I on track?”
Try asking, “What does enough actually look like for me?”

→ Anyone else feel this way right now?

In your peak earning years, this feeling is common.

You're earning more than you ever have.
And yet money doesn't feel simpler.

You thought higher income would bring relief.
More confidence.
A sense that you were finally "there."

Instead, the questions got harder to answer.

This is usually when money stops being a math problem and starts becoming a decision problem.

Every choice affects something else.
Saving affects spending.
Spending affects flexibility.
Work affects energy.

Nothing exists in isolation anymore.

In your 40s, you're often carrying more at the same time.

Career expectations.
Family needs.
Future planning.
Your own health and bandwidth.

So money isn't just about growth.
It’s about support.

And that shift can feel unsettling if no one names it.

Many women I talk to assume this discomfort means they're doing something wrong.
Maybe not saving enough.
Maybe not thinking far enough ahead.

But that's rarely the issue.

More often, it means your income has outgrown the way you're thinking about money.

You're using old questions for a much more complex season of life.

Clarity at this stage doesn't come from chasing the "right" move.

It comes from understanding what your money needs to do for this phase of your life and what it doesn't.

If money feels heavier now than it used to, that's not failure.

It's a sign that your growth requires a different perspective.

→ Anyone else feel like the questions got harder, not easier?

“New year, new me.”
(The lie we tell ourselves every January.)

I don’t really have a morning ritual.
No cold plunge. No 5am journaling. No vision board.
I just start.

Some years I hit January running.
Other years I’m still mentally on the couch, halfway through a Netflix binge.

This year, I’m somewhere in between.

I keep seeing every January:

The pressure to have it all figured out by week one is another way to feel behind.

I see it show up with money, too.

The urge to treat January like a hard deadline.
New goals. New systems. All at once.

One client finally started her business at 51.
She didn’t launch in January.
She launched in March after two false starts and changing her mind more than once.

Another client left her marriage and rebuilt her finances from scratch.
It took her until April to open her new accounts.

Most meaningful financial moves don’t always happen because the calendar flipped.

They happen when someone finally has the space to look at things honestly and decide what actually matters next.

January isn’t magic.
It’s literally a calendar page we assign a lot of pressure to.

The reset happens when you’re ready.
Not when the date tells you to be.

If you’re still easing back in this week, that’s fine.
If you’re already in full work mode, also fine.

There’s no right pace.
Just the one you’re actually in.

→ Are you fully back or still mentally on vacation?

You can think you’re “on track”
and still feel unsure where it’s headed.

At some point, “Am I on track?” stops being a yes-or-no question.

You’re doing what you were told was responsible.
And yet, something doesn’t sit right.

Most advice makes this feel simple.

Hit the number and you’re fine.
Miss it and you’re behind.

But a lot of women I talk to have solid numbers.
They still don’t feel settled about where things are going.

That’s because being “on track” isn’t really about how much you’ve saved.

It’s about where all of this effort is actually leading.

You can make good decisions for years
and slowly realize you’re building toward something you never really chose.

In your 40s, this gets harder to ignore.

Career decisions are more impactful.
Family needs change.
Time and energy matter more than they used to.

One reasonable choice quietly shapes the next.
And changing direction starts to feel more costly than it once did.

So maybe the more useful question isn't
"Am I saving enough?"

It's whether the way you're using your money is still supporting the life you want now.
Not just the plan you set five years ago.

One keeps the plan intact.
The other helps you decide if the plan still fits.

→ Does anyone else's 'on track' feel different than it used to?

If money hacks could make you rich, we’d all be millionaires by now.

There’s no magic financial tip waiting to “blow up” your wealth overnight.
If there were, everyone would already be using it.

It’s why so many women earning multiple six figures still wonder if they’re missing something.

The issue isn’t income.
It’s that most advice points you toward hacks instead of building a strategy that fits your life.

When you step back and create a plan that reflects your goals and values—
Your money stops feeling scattered.
And it starts working for you.

Here’s what that looks like in real life:
→ Big decisions feel easier
→ You’re in the right financial vehicles for growth
→ You keep more of what you earn
→ And you have breathing room to actually enjoy your money today

The “secret” isn’t another hack. It’s this:
→ Knowing where every dollar goes without feeling restricted
→ Choosing investments that fit your future, not someone else’s
→ Walking into tax season without the “what if I missed something” pit in your stomach

That’s what a strategy built around you delivers.

—

📌 What’s the best money tip you’ve ever received?

Making more money doesn’t automatically make you feel safer.


For many women in their 40s, it actually makes decisions feel more complicated.

By this point, your income is higher than it used to be.
You’re more established in your career.
You’re not starting from scratch anymore.

So there’s an expectation that money should feel simpler now.
Instead, decisions start to require more thought.

Not because anything is going wrong, 
but because each choice affects more parts of your life than it used to.

In your 40s, money decisions rarely live in isolation.
They touch your time, your energy, your family, your career flexibility, and the options you want to keep available later.

Changing direction (slowing down, stepping away, or reworking priorities) feels more consequential than it did before.

I hear this a lot from women in this stage:

“I have more money than I ever thought I would…
and I’m less certain about what I want next.”

So you find yourself standing at a point where the old path doesn’t quite fit anymore.

The risk isn’t making a bad decision.
It’s staying on autopilot because everything looks fine.
That’s how drift shows up in your 40s.

That discomfort isn’t a sign you’ve failed with money.
It’s a sign that the definition of “doing well” you built earlier in your career needs to be updated for where you are now.

Feeling secure in this season comes from understanding what your money is meant to support and what it needs to stay flexible for.

When that’s clear, decisions start to feel steadier and more intentional.

→ Anyone else in this phase right now?

You shouldn’t need to justify enjoying your money.

But somehow, every time you book the flight or splurge on the birthday dinner… guilt taps you on the shoulder.

This past weekend, I bought the $1,000 shoes I’ve been eyeing.
And for a split second, I hesitated.
Not because I couldn’t afford them,
But because that little voice whispered,
“Shouldn’t you be saving this instead?”

That voice doesn’t vanish when you start earning more.
Or when you “know better.”
Or even when you build financial plans for a living.

It sticks around when your money feels disconnected from your life.

Because enjoying your money and being smart with it shouldn’t feel like opposites.
But for a lot of high-earning women—it still does.

Not because they’re reckless.
But because they’re not 100% sure what’s already handled and what isn’t.

That’s where the doubt creeps in.
That’s where the overthinking starts.

What changes everything?

→ Knowing what’s going toward the future
→ Knowing what’s fueling the life you want right now
→ And knowing you’re allowed to enjoy both

That’s the kind of permission that doesn’t come from a budgeting app.
It comes from a plan that gets you.

Not just the numbers.
The way you want to feel when you spend, invest, save, and live.

If you’ve been earning well but still feel like you have to justify every “fun” purchase…
This isn’t a money problem.
It’s a strategy gap.

And that’s fixable.

“What should my financial goals be for this year?”

I get this question every January.

But I never answer it directly.

Instead, I ask:
“What do you actually want your life to look like in December?”

If you hesitated, that’s the point.

Most people set financial goals backwards.

Save more money
Max out my 401k
Pay off debt faster

These aren’t goals.
They’re tasks without a destination.

Here’s how I work through this with clients:

1. Start with the life (not the number)

Ask yourself:
→ What do I want to say YES to this year without hesitating?
→ What would I do if money wasn’t the thing holding me back?
→ What does my ideal Tuesday look like in five years?

Write it down. Get specific.

2. Work backwards to the money

Once you see the life clearly:
→ The lake house = X amount by Y date
→ The career pivot = Z months of runway
→ Early retirement = a real drawdown strategy

Now you have targets that mean something.
Not arbitrary benchmarks from an online calculator.

3. Identify what’s actually in the way

It’s not always “not enough money.”

It’s usually:
→ Cash sitting idle instead of working
→ Tax inefficiency quietly eating gains
→ No system connecting income → investments → real life goals

4. Build the bridge

Map the gap between where you are and where you want to be.
Then reverse-engineer the quarterly actions to close it.

That’s a financial plan.
Not “save more.”

Because “enough” is a moving target.
A number on a calculator.
A fear dressed up as math.

But:
Take my daughter to Portugal without guilt.
Leave this job by 50 on my terms.
Buy the vacation home.

Those are goals.

The number isn’t the goal.
The life is.

→ What’s one thing you want to say YES to this year?

Being gifted stock can quietly turn into a tax headache if you don’t know what you’re dealing with.

On the surface, it sounds like a win.
But the rules matter more than most people expect.

A lot of people assume gifted stock works like an inheritance. It doesn’t.

There’s no step-up in basis.
You get the stock and you also get all the built-in gains that come with it.

Most of the stress isn’t about the money itself. It’s the uncertainty.

You’re holding something valuable, but you don’t really know what it costs to use it.

That’s usually when it becomes clear this isn’t a simple decision.

If you sell everything without a plan, the tax bill can be massive.
And once that happens, there’s no undo button.

Most people come in asking, “Should I sell?”

I’m usually focused on what decisions are still open before anything is final.

That’s how I worked with a client who was gifted just under $4 million in a single stock, with about $2.5 million of gains.

We sold shares over time in years when her income was lower.
We used some of the most appreciated stock for charitable giving.
And we rebuilt the portfolio so it supported her goals, not just what she inherited.

Once she could see the path forward, it stopped feeling like a guessing game.

Sometimes the most important money decision isn’t earning more.

It’s knowing how to use what you already have without creating a problem you didn’t need.

If this is something you’re navigating, it’s worth talking through early, before taxes make the decision for you.


→ Did you know gifted stock works this way?

Real Estate Fund Manager | Simplifying Hands-Free Returns with Risk-Mitigated Real Estate Investments | Champion of Lifestyle Freedom for High-Income Professionals 🌴 Costa Rica

You’re successful on paper, but you want your capital working harder than your calendar.

You’re drawn to real estate for its stability and wealth-building power, but you have zero interest in tenants, toilets, or time-intensive management.

You value:
• Capital preservation
• Predictable cash flow
• Smarter diversification beyond public markets
• A clear path to work-optionality - not just more income

That’s where I come in.

I’ve spent 20+ years across multifamily real estate, private lending, and limited partnerships, first as an operator, then as an LP, and now as a fund manager.

After scaling my own income and managing a family multifamily portfolio, I learned a defining lesson:

Wealth isn’t about how much you earn.
It’s about how efficiently your capital works (and how well the downside is protected).

I founded Hylee Capital, a private investment firm helping high-income professionals access vetted, institutionally-backed real estate and alternative investments designed for:

• Hands-free cash flow
• Risk-mitigated growth
• Long-term capital preservation
• Strategic diversification outside the public markets

I review dozens of private investments each year and only advance a small handful that meet my underwriting standards.

I focus on stacking durable, well-underwritten deals over time (not chasing yield or headlines).

Today, my family and I live in coastal Costa Rica, prioritizing time, flexibility, and presence with our three young children.

That lifestyle wasn’t accidental. It was built through disciplined investing.

What I Offer

• Access to top-tier private real estate and alternative investments in prime U.S. markets
• A clear, transparent framework for building hands-off income and long-term wealth
• Direct insight from my experience as both an LP and a fund manager

If you’re a high-income professional who wants your money working harder (without taking on unnecessary risk or another job) we should connect.

FAQs

Do I have to be accredited to invest with you?
Occasionally, we offer limited 506(b) opportunities for non-accredited investors. Most offerings are reserved for accredited investors.

How can I learn more about current or upcoming opportunities?
In compliance with SEC regulations, we don’t publicly list active offerings. The best way to connect is via LinkedIn DM or email at sarah@hyleecapital.com

.

Causes We Support
God Behind Bars
Philippians 4:6–7

Sarah Miskelly

I wasted my 20s chasing IRRs and brag-worthy metrics.

At 36, I finally realized what matters.

If you're in your 30s or 40s, wondering if you're behind, read this carefully.

Real estate investing isn’t about flexing 5x returns from a bull market.

It’s about risk-mitigating capital, creating work-optionality, and sleeping well at night.

Here’s what top-tier professionals understand that the masses miss.

8 principles of risk-mitigated, hands-off investing:

1. Capital preservation comes first

We stress-test the downside like our reputations depend on it (because they do). 

2. Experienced operators only

We partner with people who’ve been through the fire. We’re not funding someone’s learning curve.

3. Diversification with intention

Not for optics, but resilience. This is how you protect your portfolio in any market cycle.

4. Incentives built for trust

80%+ of our upside is tied to LP's success. If they lose, we lose. That’s how it should be.

5. No deal FOMO

 We’d rather pass on a maybe than gamble with investor capital.

6. Tax benefits are non-negotiable

If your investments aren’t working as hard as you do at tax time, you're leaving money on the table.

7. Simplicity wins

Our investors are busy running companies, saving lives, or managing high-performance teams. We don’t add complexity for complexity’s sake.

8, Transparency is the standard

No black box reporting. No disappearing act after the raise.

This isn’t about ego.

It’s about earning trust, risk-mitigating wealth, and creating work-optionality.

Not a $10M bro’d out fund.
Just a quiet, consistent one that performs.


If that sounds like the kind of real estate investing you want more of, the link’s here when you’re ready: https://lnkd.in/dgEmx6t5

Last year, I made multi-six figures.

Not the most I’ve ever made —
But definitely the most impact I’ve ever had.

Because this time, the money didn’t just come from grinding.
 It came from helping others stop grinding too.

See, I used to be in the hustle:
Real estate sales. 
$400K+ a year. 
No days off.

Or time for my family, freedom or peace of mind. 

Then I shifted.
Started investing, not just selling.

Then I started fund management -
Helping other high-income professionals create hands-off income too.

Now I live in a beach town in Costa Rica with my 3 kids.
And every week, I get messages like:

→ “This is the first income stream I don’t have to manage.”
 → “My Q4 returns beat my stock portfolio, with less stress.”
 → “For once, I’m earning without sacrificing time or headspace.”

That’s the real win.
Here’s how I help clients invest hands-off:

1. We find risk-mitigated, high-performing real estate deals
2. You invest passively—no landlord headaches, no extra work
3. Your money works while you focus on life, family, or business

I handle the rest - with full transparency and expert partners.

If you’re earning well (but your wealth isn’t working for you)
Let’s fix that.


P.S. Our newest acquisition is in Houston: a 376-unit Class B+ asset with strong cash flow, value-add upside, and prime location near a $1.8B AI facility bringing 3,000+ new jobs. 

 → 19.4% average annual return
 → 6.0% average cash-on-cash

If you want in before we close, DM “HOUSTON” and I’ll send you the details.

I looked at a lot of multifamily deals in 2025.
If I were allocating $100K in January, this is the framework I’d use:

Everyone wants the flashiest deal.
 The best ones usually look… boring.

Here’s why we partnered on this Houston Class A multifamily deal:

What I prioritize when underwriting:
1. Teams that have already survived hard markets
2. Assumptions that don’t require perfection to work

Too many deals rely on:
 • aggressive rent growth
 • perfect execution
 • “if everything goes right” math

That’s not investing. That’s hoping.

What stood out here:

1. The Team

$800M+ Texas multifamily portfolio
0 capital calls
0 investor losses
Vertically integrated operations
Multiple nearby assets already operating

They’re not learning the market.
 They are the market.

2. Conservative Execution

Purchased below replacement cost
Seller driven by loan maturity, not distress
73% breakeven occupancy
NOI growth from expense efficiencies, not rent stretch

No hero moves required.

3. Houston

#1 U.S. metro for population + job growth
0 new units under construction within 3 miles
Class A asset in a supply-constrained submarket

This isn’t a “Houston bet.”
 It’s a basis + timing + execution bet.

The result:
• ~19.4% annualized returns
 • ~5.5% average cash flow
 • ~1.97x equity multiple
 • Monthly distributions
 • Long-term, fixed-rate debt

Not because we stretched assumptions.
 Because we didn’t.

If you want to see how the returns are driven, where the risks sit, and why this point in the cycle matters for Houston —

Jan 22 | Live investor Q&A
Comment HOUSTON or DM me and I’ll send details.

pov: you stopped spending 10+ hrs chasing the highest-return deals and started building a $10M+ fund focused on the highest‑quality partnerships.

not long ago, 90% of my time was spent looking for the shiniest returns.

the most impressive IRRs.
the deals that looked best on paper.

today, 90% of my focus is elsewhere.

it’s building a portfolio that holds up when the market doesn’t.

it’s helping people get educated on something that once felt completely foreign.

i’m not chasing hype.
(seen that go wrong)

i’m not making things complex to sound sophisticated.
and i’m definitely not here to roll the dice with someone else’s future.

here’s what i’m committed to:

→ partnering with operators who’ve already made the mistakes and learned from them
→ diversifying with intention, not for optics
→ staying laser‑focused on each investor’s goals
→ making transparency the default

and most importantly,
stress testing the downside like my reputation depends on it.
(because it does)

this is what matters.

not building the most “bro’d out” $10B AUM fund.
but building one that performs quietly and consistently.

because this isn’t about chasing unicorn returns.
it’s about building portfolios that let people sleep at night.

if that sounds like the kind of real estate investing you want more of,
the link’s here when you’re ready: https://lnkd.in/dgEmx6t5

The best deals don’t show up when markets are hot.

They show up when pricing resets.

We just opened a Class A multifamily opportunity in Northwest Houston.

It’s a 376-unit property in one of the metro’s strongest absorption submarkets — and it’s coming to market for a simple reason:

Timing.
The seller has a loan maturing and needs liquidity.

 Not because the property is struggling.
 Not because demand is weak.

That creates an entry point that usually isn’t available in late-cycle markets.

The plan here is intentionally boring (in the best way):

• In-place cash flow from day one
• Conservative, fixed-rate debt
• Upside driven by execution and operating scale
• No aggressive rent growth assumptions

Houston continues to lead the country in population and job growth, and this pocket has remained one of the most resilient as new supply slows.

This is the kind of deal that shows up when markets normalize 
(not when they’re overheated).

We’re partnering with LSCRE on this acquisition.

Open to accredited investors.

If you want the overview, comment “DETAILS” or send me a message.

Most real estate deals look great on a spreadsheet.

Very few still work without perfect timing and perfect execution.

That’s the filter I use before I ever look at upside.

Here’s why a Houston Class A multifamily deal I’m reviewing stands out:

1. Bought at a discount due to seller liquidity and loan maturity (not operational distress)
2. Located in the Number 1 Houston submarket for renter demand, with no new supply coming online nearby
3. Conservative, fixed-rate debt that doesn’t rely on a refinance to make the numbers work
4. A low ~70% breakeven occupancy, so cash flow isn’t dependent on everything going right
5. An operator with a long track record and no investor capital losses or capital calls

This isn’t a deal built on aggressive rent growth or best-case scenarios.
 It’s built to hold up in normal, imperfect markets.

I’m hosting a live investor Q&A to walk through:

 – How the underwriting holds up without rosy assumptions
 – Where the real risks are (and how they’re mitigated)
 – Who this type of investment actually makes sense for

If protecting capital matters more to you than chasing the flashiest IRR, this will be worth your time.

→ Comment “Q&A” and I’ll send the invite
 (or DM me and I’ll share the details)

PS: Opportunities like this tend to move very quickly. If you’re sitting on capital and waiting for a disciplined, risk-aware place to deploy, this is one to understand before it closes.

pov: you stopped chasing flashy IRRs
and started building real wealth with solid, well-structured deals.

Not long ago, most investors I spoke with were spending hours:

• dissecting pitch decks
• debating the perfect market
• scrolling for the “best deal this cycle”
• stressing over whether returns were good enough

Trying to optimize for upside
instead of protecting the downside.

Today, the focus looks very different.

I spend 10% of my time on the story,
and 90% on the structure.

The boring stuff that actually compounds:

• basis
• submarket demand
• debt terms
• breakeven occupancy
• operating leverage

That’s exactly why Preserve at Copper Springs caught my attention.

Not because it’s flashy.
Because it works without perfect assumptions.

• Bought at a discount due to seller liquidity (not distress)
• Located in Houston’s # 1 absorption submarket with zero new supply nearby
• Fixed-rate agency debt with full-term IO
• ~73% breakeven occupancy
• NOI growth driven by expense efficiencies, not rent heroics

This is what disciplined capital looks like in 2026.

I spent the last week breaking down why this deal works,
(and more importantly, why most deals don’t once you remove optimism).

If you’re tired of guessing
or chasing whatever looks best on a spreadsheet…

We’re hosting a live investor walkthrough + Q&A.
We'll clearly lay out the underwriting, structure, and risks.

Join us live:
→ https://lnkd.in/e8zpAuiq


PS: What’s the most time-consuming part of evaluating deals for you right now?
Returns? Risk? Market selection? Debt terms?

Thinking about investing in multifamily in 2026?

PLEASE do this first:

1. Stop asking what the IRR is.
Start asking who’s actually operating the asset.

2. Look for replication over reinvention.
The strongest deals work because they’ve already been done before.

3. Assume nothing goes perfectly.
Then see if the deal still works.

Most investors never do this.

- They focus on market cycles.
- They focus on asset class.
 - They focus on returns on a spreadsheet.

In practice, outcomes are driven by operator strength, not the asset alone.

That’s exactly why our current 376-unit Class A Houston asset stands out.

Plenty of deals look like this on paper, what makes this one different is execution.

Here’s what that looks like:

1. This is a repeat play

The operator already owns and runs their best-performing asset less than 1 mile away.

(Same team, renter base, operational systems)
Exactly how you reduce risk before closing.

2. NOI growth here is driven by operational control, not hopeful assumptions.

 The business plan doesn’t rely on aggressive rent growth.

It relies on:
 • In-house labor
 • Shared staffing across nearby assets
 • Proven expense reductions already implemented elsewhere

(Translation: margins expand even in flat rent environments)

3. A basis that absorbs mistakes

We acquired at a $2.5M discount due to seller liquidity, not asset issues.

- Below replacement cost.
- Zero new supply nearby.
 - 73% breakeven occupancy.

(Downside protection by design)

This deal doesn't replace diversification -
I still allocate across industrial, energy, BTR, and multifamily.

But the rule never changes:
Strong operators create predictable income, weak operators create surprises.

That’s the real filter behind every deal I bring forward.

P.S. If you want to see how this one was underwritten, DM me HOUSTON and I’ll send the materials.

Just had 3 calls with investors this week.
Every one of them said the same thing:

“I’m not chasing IRR anymore - I just don’t want to lose money.”

If that’s where your head’s at for 2026, this is worth your time:

We’re breaking down one of the few A-Class multifamily deals in Houston that actually makes sense right now: 

→ Discounted price (not distressed, just great timing)
→ Fixed-rate debt, full-term interest only
→ Breakeven occupancy in the low 70s
→ From a $800M+ operator with zero capital calls

I’m hosting a live walkthrough with the operator LSCRE this Thursday, Jan 22 @ 4:30 PM EST.

This is where we explain why the opportunity exists and how the downside is structured.

Want to see the numbers and ask questions directly?

Here’s the link to register: https://lnkd.in/e8zpAuiq

P.S. Deals like this don’t sit around. If you’re holding capital and waiting for a risk-mitigated opportunity to deploy in Q1, this is it.

This is the number 1 sign your career success isn’t enough anymore.

I’ve been watching it play out for 2 years now.

Every time someone tells me they’re successful but stuck, it’s the same pattern:

They’ve hit their income goals...
But they’re time-poor.
Geographically stuck.

And unsure what to do with the money that been piling up in their bank account.

Let me explain:
Success in your career doesn't equal freedom or peace of mind.

But here’s what does:

1. Living where you want (we chose Costa Rica)
2. Building a portfolio that helps work in the background
3. Still doing your best work (from anywhere)

Here’s what that looks like for us:

• Sunrise surf sessions most mornings
• Walks to the market for fresh produce
• Sunset swims on Wednesdays with the kids
• Lazy Saturdays... and deal reviews from my laptop

Real estate income helps cover essentials.

This is what happens when your capital works for you.

(And no, you don’t have to burn it all down)
You just need better access.

And a strategy that actually supports the life you say you want.


I'm hosting a private masterclass breaking down how I’m investing in today’s market, and how high-income professionals are using institutional-grade real estate to buy back time.

Grab your spot here: https://lnkd.in/dgEmx6t5

Repost ♻️ if you’re building toward work-optionality (not just more income)

I spent the last 90 days stress-testing multifamily deals.

Here’s what actually works in this part of the cycle (if you care more about protecting capital than chasing flashy IRRs):

Everyone’s talking about timing the market.
I see something different.

Pricing has reset.
Confidence hasn’t caught up yet.

That’s where the best deals tend to live.

We’ve reviewed dozens of opportunities recently.
(Most fell apart once you removed perfect assumptions)

But there are 3 core elements that made our current 376-unit Houston property stand out:

1. Basis before everything

• Bought below replacement cost
 • $2.5M discount driven by seller liquidity (not distress)
 • Located in Houston’s #1 submarket for absorption
 • Zero new units under construction nearby

When the basis works, you don’t need hero assumptions.

2. Underwriting that still works when things go wrong

• ~73% breakeven occupancy
 • Long-term, fixed-rate agency debt
 • Conservative rent growth assumptions
 • Expense savings already proven across the sponsor’s nearby assets

This deal works without assuming perfect execution or perfect timing.
That’s the point.

3. Operators with real operating leverage
(This isn’t theoretical upside)

• Vertically integrated management
 • 1,400+ units already operated nearby
 • Proven cost savings (maintenance, trash, bulk Wi-Fi)
 • Track record of maintaining 95%+ occupancy at sister properties

Operational depth matters more than projections right now.

Most deals look good on a spreadsheet.
Very few still work once you remove optimism.

This isn’t about chasing the top. It’s about entering at the right base.

If you’re someone who prioritizes downside protection over hype, this is exactly the type of deal worth studying.


P.S. We hosted a packed private live Q&A yesterday walking through how this deal was structured: basis, debt, and downside protection

(it was one of the most tactical investor walk-throughs we’ve done) 
DM me REPLAY and I'll send it over.

P.P.S. What’s your non-negotiable in a deal right now?

keep it boring, that’s where the money usually is ;)

This is the exact deal-screening system I’m using in 2026.

It helped me avoid capital calls and weak downside structures in 2025
(so I’m using it again).

If you invest in private deals, this is worth saving.

The 9-Step Deal Filter:

1. Start with why the deal exists (seller pressure vs. blue-sky underwriting)
2. Check the sponsor’s record in bad markets, not just good ones
3. Underwrite returns assuming no rent growth
4. Stress test exit caps and interest rates
5. Look for real operating leverage, not cosmetic value-add
6. Confirm debt protects early cash flow
7. Validate submarket demand and near-term supply
8. Review downside before upside
9. Only then… look at returns

→ Then repeat from step 1.
The entire risk-mitigated investment process is right there.

Want me to walk through this with you using a live deal? Let’s do it.

On January 22 I’m going LIVE for ~45 minutes breaking down exactly how this framework applies to a Class A Houston multifamily opportunity we’re currently raising on —
(including what drives returns and how the downside is protected)

Grab your spot here: https://lnkd.in/e-QgxwCF

We’ll be covering every step in plain language with real underwriting logic.

P.S. Which one of these 9 is hardest for you to get comfortable with?

[Pictured me and John T Chang, Chief Intelligence & Analytics Officer at Marcus & Millichap. Conversations like this are why I stay disciplined about data > hype]

Most investors wait for the market to feel safe.
The best entry points come after pricing resets (before confidence does)

Join me, Craig McGrouther and Sam Morris from LSCRE as we host a live walkthrough and Q&A on our newest Houston Class A multifamily acquisition Preserve at Copper Springs and why this point in the cycle is quietly creating some of the most compelling entry points we’ve seen in years for disciplined capital.

Houston continues to stand out:
 • Projected Number 1 U.S. metro for job growth and population growth
 • Durable renter demand across diversified industries
 • Strong long-term fundamentals

What’s changed is pricing.

1. New deliveries have slowed materially. 
2. Loan maturities are forcing sellers to transact. 
3. High-quality assets are finally available at bases that simply weren’t accessible a few years ago.

This deal reflects that setup:
 • Acquired at a $2.5M discount due to seller liquidity (not distress)
 • Long-term, fixed-rate agency debt to protect cash flow
 • Conservative underwriting from an operator with zero investor losses or capital calls across an $800M+ Texas portfolio
 • Deep local scale with 5,500+ units and multiple assets nearby, creating real operational leverage

No aggressive rent growth assumptions.
No heroics.

Just disciplined structure and execution.

In this live Q&A, we’ll walk through:

 • Why this phase of the cycle matters
 • How downside is evaluated and protected
 • Why local scale and operator depth matter more than projections
 • What makes this opportunity available now

📅 January 22nd, 2026
⏰ 4:30 PM EST / 5:30 PM CST
→ Register here: https://lnkd.in/e-QgxwCF

This is an educational walkthrough — designed to explain why this opportunity exists now and how disciplined capital is being deployed in this phase of the cycle.

View event: LIVE Q&A: Preserve at Copper Springs | Houston Multifamily

LIVE Q&A: Preserve at Copper Springs | Houston Multifamily

The number 1 reason high-income professionals stay stuck in the grind.

They chase bigger paychecks instead of building real wealth.

They:
– Wait for the 'perfect time' to invest
– Try to save their way to freedom
– Micromanage rentals for so-called 'passive' income

The result... 
More work, stress, and no leverage.

Here’s what I did differently:

1. Prioritized hands-off income by leveraging earned income
2. Partnered with elite operators in high-growth markets
3. Leveraged tax strategies to keep more and pay less
4. Stopped chasing deals + started compounding wealth
5. Bought back my time to focus on what matters

Wealth isn’t earned, it’s systematically built.

Want the blueprint? This private masterclass will show you how → https://lnkd.in/dgEmx6t5

Open article: Private Masterclass by hyleecapital.com

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