Login | Join Our FREE VIP Investor Group

REALTY411Guide.com

Serving the Real Estate Industry Since 2007

real estate magazines

The Lesson That Could Have Saved Everything

By

By Kris Miller

It wasn’t just the money that vanished. I watched my father’s pride dissolve, his sense of accomplishment stripped away, not by failure—but by the unexpected. And all of it could have been avoided if he had only known what you are about to learn. You see, building a secure future isn’t just about accumulating dollars; it’s about preparing for the unforeseen, protecting your family, and ensuring that when the storms of life hit, they don’t wash everything away. This is how you create wealth with wisdom, not just ambition.

Get a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist. Sign up now For a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist

article continues after advertisement

I will never forget the day my mother walked into the room holding a crumpled piece of paper, her hands trembling and eyes filled with tears. “I want you to share this with your clients,” she whispered. It was a hospital bill—$90,000 for just five days of chemotherapy. She needed that treatment five days every month for a year. That’s over a million dollars in care. And they paid for it out of pocket. They had planned for retirement, but not for this. True Financial Growth means planning beyond the predictable. It means facing the reality that health can fail—even when your finances seem fine.

My father thought he had it all mapped out. He’d saved, invested, and even planned how his life would unfold. He believed my mother would go before him and that he’d be okay. But God had another plan. She lived longer, and he faced overwhelming care costs afterward. The truth is, even the best-laid plans crumble without protection. To create income you will never outlive, you need more than investments—you need foresight, tools, and safeguards.

What if they had known? What if someone had told them about long-term care insurance? About building a foundation that didn’t just chase returns but defended against risks? That’s how you create wealth that lasts. Not just wealth that looks good on paper, but wealth that shields your dignity, your dreams, and your family when life turns upside down.

article continues after advertisement

The hardest part for me was not the numbers—it was watching a man who had provided everything now needing help with everything. That’s why I’m sharing this with you. Because you have the chance to write a different story. You have the chance to build financial growth that endures. And more importantly, to create income you will never outlive—so that no matter what happens, your legacy, your health, and your pride are never at risk.

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at [email protected]

Phone (951) 926-4158

Live Webinar: Why Coworking / Coliving Is Exploding

By

Please review this important post from our sponsor, thank you.

Why Coworking / Coliving Is Exploding —
And Why Now Is the Time to Invest

Once a niche trend for digital nomads and creatives, coworking and coliving have rapidly evolved into one of the fastest-growing asset classes in real estate and hospitality. And here’s the kicker: business professionals and high-performance entrepreneurs are fueling the surge.

Join the discussion on
Saturday May 31st at 9:00 AM, Pacific Time.
We’ll be exploring the deals, details and how you can get involved.

Let’s break it down — and show you why this moment is a rare window of opportunity for smart investors.

1. The Workforce Has Gone Remote — Permanently

2020 didn’t just shake up the office—it rewired the way professionals think about work entirely.
🔹 Over 40% of the U.S. workforce works remotely at least part-time
🔹 Major companies are embracing hybrid and location-flexible work
🔹 Entrepreneurs, consultants, and solopreneurs are building businesses from anywhere

And here’s the trend: they’re not working from home — they’re looking for inspiring, productive, high-vibe spaces where they can work hard, network, and recharge.

2. Business Professionals Are Seeking Lifestyle + Productivity

The new generation of professionals isn’t choosing between luxury and focus. They want both:

  • Private accommodations
  • High-speed WiFi and collaborative workspaces
  • Wellness amenities like gyms, pools, and outdoor lounges
  • Networking and social potential baked into the experience

Coworking/coliving resorts check every box — and command premium rates because of it.

3. The “Retreat Economy” Is Booming

Remote teams, executive masterminds, content creators, startup accelerators — they’re all ditching hotels for custom-tailored spaces like luxury coliving resorts. Why? Because:

  • It’s more private, productive, and community-driven
  • It creates memorable, brandable experiences
  • It often costs less per head than a corporate hotel stay — with 10x the vibe

The global corporate retreat market is expected to exceed $30B+ by 2030, and investors who position themselves now are getting in before the crowd catches on.

4. Coliving Occupancy & Returns Outperform Traditional Rentals

Data shows that coliving properties boast higher occupancy rates, stronger per-room revenue, and better retention in downturns than standard single-family or multifamily investments. Why?

  • You’re not renting to one person — you’re renting a shared experience
  • You can monetize per room, per event, and per amenity
  • Flexible pricing models allow for dynamic yield optimization

This is hospitality meets real estate meets tech-enabled lifestyle — and the returns are speaking for themselves.

5. You’re Not Just Investing in Real Estate —
You’re Investing in Behavior Change

Coworking and coliving aren’t fads. They’re the physical reflection of how people work and live now:

  • Less tied to cities
  • More focused on flexibility, freedom, and purpose
  • Deeply social, mobile, and wellness-conscious

Investors who understand this shift — and own the spaces that serve it — will ride the wave for years to come.

✅ Why Now?

  • Remote work is here to stay — and professionals want premium places to live and work
  • Coworking/coliving resorts meet rising demand with higher margins and more flexibility
  • The market is early — smart capital moves now, not when the headlines hit
  • You can earn passive income, tax benefits, and strong upside
  • And most importantly: you’re investing in the future of how the world works

Join the discussion on
Saturday May 31st at 9:00 AM, Pacific Time
we will be exploring the deals, details and how you can get involved.

As always, we’re here to answer any questions you might have.
Please feel free to reach out to us.
Schedule a Personalized Call

818-292-5559.
[email protected]

Since 2007, Realty411.com has assisted top companies expand their visibility
and grow their business. Contact us for a complimentary marketing session.
Investors, do you have questions about real estate investing?
Are you looking for a turnkey rental? Need a solid REI referral?
Book a meeting with a Realty411 team member: CLICK HERE.

Licensed Agent in California
DRE #01355569
The REAL Brokerage
DRE #02022092

Commercial Earnest Money Deposit Option Funding

By

Hello,

My name is Tod Snodgrass, with Creative Transaction Funding. We offer Commercial Earnest Money Deposit Option Funding (CEMDOF). CEMD financing is available on a nationwide basis.

Are you working on any deals in need of CEMD? We are happy to pay for referrals!

CEMD is for Commercial Property Wholesalers (CPWs).

NOTE: We have a separate CEMD program for commercial real estate buyers (not wholesalers).
Please feel free to send a request for the “Buyers” CMED program.

article continues after advertisement

Are you an experienced CPW?

Do you have a potential, high quality double close deal that is ready to go, however you lack the cash needed for the CEMD?

We may be able to help. For deals that meet our standard criteria, we can fund the CEMD via a Joint Venture (JV)–a form of equity.

Executive CEMD summary:

1. Designed for commercial properties purchases.

2. CEMD is different from residential EMD because:

a. The (CMED) amounts are usually a lot higher;

b. Escrow time frames are usually longer, i.e. to allow extra time needed for due diligence;

c. They include an option period.

Case Study: Commercial Earnest Money Deposit Option Funding Program

A wholesaler (CPW) was seeking to flip a commercial property via a double close. He was buying the property for $10,000,000 and selling it to another party for $11,000,000.

The CPW (“B”) had the seller (“A”) under contract that included a 30-day option period. The CPW had the buyer (“C”) under contract and had already lined up the $10,000,000 purchase money he needed from a Transactional Funding Money Source (TFMS). FYI: With a double close, there are two separate escrows: A to B and B to C.

The CPW was required to come up with two different funding amounts to kick start the process: Option money and the CEMD funding. The Option fee (for 30 days) was $20 per day = $600, paid out-of-pocket by the wholesaler (CPW).

The CEMD was 0.01% (one percent) x $10,000,000 = $100,000. Since all the CPW’s cash was tied up in other deals, they came to our firm (CTF) for the CEMD. Once CTF confirmed that the wholesaler’s deal met our standard criteria, we agreed to fund the $100,000 CMED funding amount.

Two escrows were opened, A to B: seller to CPW for $10,000,000 and B to C: CPW to buyer for $11,000,000. Next, the CPW wrote a check to the seller for $600 to cover the option. CTF then wired $100,000 into escrow for the CEMD funding.

After a few days, the option was exercised, and the deal went forward. The buyer was instructed to wire $11,000,000 into the BC (second) escrow. Once the Escrow officer confirmed that the BC funds ($11,000,000) had been received, then the Escrow officer wired $100,000 to CTF since the CEMD funding was no longer needed in the deal. CEMD funds are always fully refundable because, by mutual agreement of all parties, they can never be allowed to become part of the purchase price (go hard).

article continues after advertisement

Next the TFMS wired $10,000,000 into the AB (first) escrow. The AB escrow closed, and the deed was recorded; then the BC escrow closed, and documents were recorded. Last, the Escrow officer distributed funds and documents to the different parties as follows: the buyer received a recorded deed to the property; the seller received $10,000,000; CTF received $50,000 as their 50% markup for the $100,000 they had previously provided; the CPW received $950,000 ($10,000,000-$50,000), less closing costs for both transactions, etc.

Tod Snodgrass
Creative Transaction Funding LLC
[email protected]

Learn Why You Should be Investing in CoWorking/CoLiving Asset Class

By

Please review this important post from our sponsor, thank you.

Hello Investors,

We are pleased to announce the opportunity to invest in WorkAnywhere Fund / Las Vegas.

Investors, join us on a brand-new webinar as we dive into investing in the CoWorking / CoLiving asset class.

As you know, the pandemic forever changed the way people work.
More business professionals find it appealing to…

Live where they work. Work where they live.
Anywhere in the world.

With this strategy in mind, Realty411 and HomWork invite you to attend a special webinar discussing this new real estate trend and how investors can capitalize on it.

On Saturday, May 31st at 9:00 AM Pacific Time, we will be hosting a virtual discussion on the deal, details and how you can get involved.

Meanwhile let me share with you five (Very Convincing) Reasons to Invest in a Coliving / Coworking Resort in Las Vegas.

This isn’t just a property — it’s a full-scale experience. Tucked away behind gates on over an acre in Las Vegas, this estate features 10 private bedrooms (each with en-suite baths), three separate casitas, a game room, home gym, private theater, and a jaw-dropping pool with a slide, waterfalls, and swim-up bar.

It’s part resort, part retreat, part revenue generator.
Here’s why this is a smart move for any business-minded investor:

1. Monetize the Remote Work Boom

Remote work is no longer a trend — it’s the new normal. Teams are ditching offices and craving spaces where they can connect, collaborate, and recharge. Your estate offers exactly that:

  • Fully furnished private bedroom and bathroom suites
  • Common spaces for coworking and team-building
  • Resort-level amenities for relaxation and inspiration

Think: executive retreats, entrepreneur summits, team off-sites — all under one roof.

2. High-Yield, Multi-Channel Revenue Potential

This property isn’t limited to one stream of income — it’s a business in a box:

  • Luxury group bookings via Airbnb/Vrbo and OUTSITE.co
  • Curated corporate retreats and wellness getaways
  • Coliving subscriptions for digital nomads and remote workers
  • Private event rentals for intimate weddings, masterminds, and VIP gatherings

Premium property = premium rates = serious returns.

3. Significant Tax Benefits

By operating this estate as a business, we unlock a variety of tax advantages:

  • Deductions for property management, marketing, furnishings, travel, and upgrades
  • Asset depreciation

Smart investors let their assets work for them, It’s a luxury investment that also works smarter, not harder.

4. Vegas is Always in Season

Vegas doesn’t hibernate. It thrives year-round and is one of the most visited cities in the U.S., with over 41 million annual business travelers, remote workers, and conference-goers. Your estate is:

  • Far enough for privacy
  • Close enough to the Strip for the fun
  • Unique enough to be unforgettable

Forget cookie-cutter Airbnbs. We’re offering the experience — and people will pay for it.

5. Elevate Your Personal Brand & Network

Owning a property like this doesn’t just boost your portfolio — it elevates your platform. Host your own:

  • Executive mastermind weekends
  • Investor dinners
  • Content creation retreats

This is a chance to build community, establish authority, and create long-term value beyond the bottom line.

Bottom Line:

This estate offers a rare combination of luxury, location, flexibility, and financial potential. If you’re a business professional looking for a smart investment with lifestyle perks and scalable income, this is more than real estate — it’s an opportunity to own the destination.

Learn more about the deal and the details!

As always, we’re here to answer any questions you might have. Please feel free to reach out to us.

Can’t join us live?
Schedule a Personalized Call

818-292-5559
[email protected]

Since 2007, Realty411.com has assisted top companies expand their visibility and grow their business. Contact us for a complimentary marketing session. Investors, do you have questions about real estate investing? Are you looking for a turnkey rental? Need a solid REI referral?
Book a meeting with a Realty411 team member: CLICK HERE.

Licensed Agent in California
DRE #01355569
The REAL Brokerage
DRE #02022092

Learn About Land Banking with Marcella Silva

By

Meet Marcella Silva, Certified Land Banking Consultant, Velur Real Estate Services, Inc.

Friends, we are excited to announce that land banking expert Marcella Silva will share her top insight about investing in land at our next in-person event. Discover why Marcella believes so strongly in the power of investing in land.

Marcella Silva was born and raised in the rural mountains of Northern New Mexico. Her parents were both hard-working business people and savvy investors. Throughout Marcella’s life her parents would become a great influence by investing their earnings in land and selling it for profit.

After earning a Bachelor’s Degree in Management Information Systems from the University of New Mexico, and because of her collegiate achievements, Lawrence Livermore National Laboratory (LLNL) invited Marcella to take a full-time position as a Software Engineer.

In 2007, after reviewing her 401(k) statement, she began a quest for a real estate investment that would provide the returns she desired for a secure retirement. Marcella eventually crossed paths with Velur Enterprises, Inc. and their exclusive land banking opportunity.

article continues after advertisement

In March 2008, Marcella purchased her first land investment using the funds from her 401(k) via a self-directed IRA. Marcella has had tremendous success with her investment and found a passion in land banking. Marcella joined Velur Enterprises, Inc. in 2008, following her desire to share this opportunity and help others realize the gains that have been experienced by many throughout history, including her own.

After a successful eight-year career at Lawrence Livermore National Lab, Marcella decided to follow her passion and become a full-time land banker. This came during the worst financial meltdown our country has seen in decades. Since then, Marcella has created a successful career helping others build wealth through land banking.

Today, Marcella is an experienced and sought after public speaker and certified land banking consultant. Marcella is passionate about giving her listeners the chance to achieve financial independence by using Velur’s proven, land selection process. Through her accumulated land banking knowledge and success, Marcella now manages and mentors a team of land banking consultants in the Bay Area. Marcella works closely with her mentor, the COO and co-owner of Velur Real Estate Services, Inc., who is a great influence and extremely successful expert in the field of land banking. Be sure to meet Marcella at Realty411’s next event in Southern California.

The Hidden Crisis: Why Long-Term Care Should Be a Part of Your Wealth Strategy Now

By

By Kris Miller

In today’s rapidly evolving healthcare system, an alarming trend is taking shape—one that many Americans are completely unaware of until it’s too late. Under policies like the DRG (Diagnosis-Related Group) rules, hospitals are now incentivized to discharge patients as quickly as possible—often within three days—regardless of the severity of their condition. If you break your leg skiing or suffer a sudden illness, you might think you’ll recover in a hospital bed. But the reality is far more unsettling. More often than not, you’ll be sent to a nursing home—not because it’s the best place for recovery, but because the hospital wants to cut costs. In a world where this is the new normal, it’s more important than ever to Create Wealth, because wealth is your shield against being unprepared.

Get a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist. Sign up now For a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist

article continues after advertisement

What’s even more surprising is the demographic shift inside nursing homes today. Once considered a place only for the elderly, these facilities are now filled with younger adults—people under 65—who never imagined they’d be there. In fact, nearly 4 out of 10 nursing home residents are under 65 years old. That means this isn’t just an old-age issue anymore—it’s everyone’s issue. As healthcare laws push patients out faster and faster, those without a plan become vulnerable. That’s why your Financial Growth must include long-term care planning. This is not about fear—it’s about foresight. It’s about taking charge of your destiny and refusing to leave your future to chance.

Shockingly, only 2% of Americans have long-term care insurance. That means 98% of us are one accident, one illness, one unexpected life event away from facing this reality without a safety net. It doesn’t have to be this way. The truth is, you can choose to take action now. You can educate yourself, protect yourself, and position your family for long-term stability. You can Create income you will never outlive, giving you the confidence to face the future knowing you won’t be a burden to your loved ones—or to yourself.

We must change the way we think about healthcare, wealth, and independence. The system is changing—faster than most realize—and those who act now will be the ones who thrive later. It’s no longer enough to focus solely on saving for retirement or building a career. You must include long-term care as part of your strategy to Create Wealth, because true wealth isn’t just measured by what you accumulate, but by how long it lasts and how well it protects you.

Let this be your wake-up call. If you’re working, ask if your employer offers long-term care options. If you’re an entrepreneur, build it into your financial roadmap. If you’re already retired, explore what options still exist. The goal is simple: Create income you will never outlive, income that doesn’t just sustain your lifestyle but defends your dignity and autonomy when it matters most.

article continues after advertisement

This is not about doom and gloom. It’s about power and preparation. It’s about seizing control of your future today, so that no system, no policy change, and no unexpected crisis can derail your life tomorrow. In doing so, you don’t just secure your own future—you inspire others to do the same. And together, we can usher in a new era where Financial Growth and health security go hand in hand.

Don’t wait to become a statistic. Make the choice now to Create Wealth, build lifelong resilience, and prepare for the road ahead. The future belongs to those who plan for it.

Find me on linktr.ee/healthymoneyhappylife
Do you have questions? Email me at [email protected] 
Phone (951) 926-4158