Adapt Or Miss Out, The Feds Are Changing The Game! | 2021

Apr 16, 2021

Waiting for the wave of foreclosures to drop Real Estate prices?

This BIG change by the Bureau of Consumer Financial Protection has just diverted the tsunami from single-family homes to potentially your 401k!


Hey, I’ve been in your shoes and I love sharing stories of my journey and how I got money working for me. I’ll show you how too!


My goal is to experience with you, what’s on the outside. By sharing what we learn, we can all do our part to keep doing what we love, flying, without the threat of loss of income.

Together we can fly because we are proud rather than fly to survive. Click the image below to join…


Pilots make excellent money and we love what we do. We are used to being in command and control in the flight deck. But it’s our financial future, managing cash flow, wealth, and passive income that can often seem OUT of our control. It can be a risky gamble to put your money into retirement funds and the stock market. No one gets held accountable if there are significant losses. And so it feels like you run out of options. 

After entering the world of Real Estate Investing, I’ve found a path to security, passive income, and feel in control again. 

Real estate investment stands on the solid foundation of homes and buildings, which is in high need. We have control of the tenants we have, screening them for reliability and long-term viability. We can take measures if someone isnt working out. We create the system and safeguards for our investment, and all the income comes straight to us. Our return on investment (ROI) is high and steady.

As a pilot and real estate investor I am passionate about helping other aviation professionals fly towards financial freedom through investing in multi-family properties. Let me show you how to put your money to work for you. 

Do you want to see your money multiply, creating financial freedom for your future? Are you interested in increasing your income through passive means? If so, book a briefing with me, and let’s talk.  

The real estate market is at record highs. Many people are asking, should I buy rental property now or wait?

And now the government is changing the entire game.

Pilot investors, throughout our aviation career we’ve been trained to understand our options, our environment, and to adapt. And the same thing occurs with successful people. They understand changes and adapt to it.

What’s changed? A few days ago, the Bureau of Consumer Financial Protection released a new proposal. Now it’s just a proposal it could change the real estate investing game.

If you’re like me, you’ve been waiting for the huge wave of foreclosures to bring down these astronomical prices down so we can acquire cash flowing assets at will appreciate once again. The government also has noticed this huge wave of foreclosures coming at us and is attempting to stop it.

The proposal states that homeowners experiencing COVID-19 related financial hardships either directly or indirectly, must now be offered a loan modification to re-amortize their current mortgage balance up to an additional 40 years. So if somebody’s been living in their house for 10 years, they can now add an additional 40 years to that mortgage. Wow.

Now this will apply both to federal and private lenders and the modification cannot increase their monthly required principle and interest payments. The servicer can not charge a fee and must waive all existing, late charges, penalties, stop payment fees, or similar charges.

Now the key here, it’s only available to owner occupied primary residences.

Now, that we understand what’s happening, how do we adapt?

What will this possibly mean? Well, in the single family housing market, where most owner-occupied properties lie, most of these foreclosures would no longer happen, which means single family home prices will most likely continue to rise as inventory is less likely to increase.

So, where do we go from here?

For those of you who’ve ever considered investing in multifamily properties, duplexes, triplexes, quadraplexes all the way on up. These are not affected since they are less likely to be primary residences.

This proposal but will not provide any foreclosure relief for small landlords with non-paying tenants. With a foreclosure wave still possible in this market, prices can potentially level off, if not decrease.

Personally, this is what I’m going after. I’m marketing heavily to multifamily landlords with problems.

Now, what does this on the macro level? Remember that when the bank provides a mortgage, they make their money on the upfront charges, origination fees, bank fees.

You’ve probably noticed after you get a traditional mortgage a few weeks or months later, you get a letter saying that the bank has sold your mortgage. Most mortgages are sold as mortgage-backed-securities as a secured investment to wall street. Specifically, risk-adverse funds such as mutual funds, pension funds and… your 401k.

Your 401k now is holding a mortgage-backed security that instantly is providing less yield with this term modification.

So in effect, the government has prevented a housing crash by transferring the problem to wall street… to your 401k.

Those of you who have already taken advantage of the cares act, and moved your money to a self-directed IRA…good move. Although who haven’t it’s not too late.

By being smart, you can now avoid a possible meltdown in the 401k market and can invest your retirement in multifamily or commercial real estate gold or even bitcoin. You now have control rather than being a victim.

Myself, I’m partnering with the host of the cashflow guys, podcast, Tyler Sheff, to take advantage of a huge multi-family and commercial Real estate potential in key West.

If you’re interested to hear more about it, and how Captains can also get involved, schedule a call with me at Layovermoney/chatwithmike.

Now that you understand what’s on the Radar, perhaps it’s time to divert to that alternate plan.