Active Duty Passive Income Blog

Our military oriented real estate investing blog.



My Investing Success Story: From Immigrant to Real Estate Investor

Feb 16, 2020

I am thrilled to have received an invite to share my story. The desire to help, inspire, and empower others is in my blood and my ultimate life goal. So, read on to learn how I went from having $1000 in my pocket to earning half a million dollars through real estate investing.

My story

In a small country town in Brazil, I dreamed so many dreams as a little girl. The reality is that my family went from being high-middle class during my early childhood-- to the struggles of lower classes in my teen years. I remember being about 9 or 10 on a trip to the bookstore, my grandfather said I could pick any book, comic, or magazine as my gift. I looked around and had no doubt – I quickly grabbed an Architecture and Real Estate magazine as my eyes sparkled with excitement. He, of course, was quite surprised; not knowing I had been an avid newspaper reader--with high focus on all the ads for new development design plans for sale. It was a beautiful world to me and I fantasized about...

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How to Apply for a Mortgage

Feb 13, 2020

How to Apply for a Mortgage

Are you feeling overwhelmed at the prospect of applying for a mortgage? Have no idea how to begin with the loan application process? Don’t worry, anyone who’s bought a home has been there. We understand that it can feel like information overload, but we’re here to make it easier for you! ADPI has your back every step of the way, so let us help you get started and into your first home!

In this article, we’ll walk you through how to apply for a mortgage. The preparation behind applying for a mortgage is the actual work you will need to do to obtain a mortgage. Unfortunately, gathering all the necessary information may take about a week, but once you have it all together, the actual mortgage application process becomes much easier. 


Steps to Get Organized & Mortgage Ready

1. Obtain a credit report and confirm that it is error-free

It’s relatively simple to get a credit report. Fortunately, you are...

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My Investing Success Story

Feb 09, 2020

Finding Success Back Home

Small Town Beginnings

In 2011, my wife and I relocated from Fort Belvoir, VA to Fort Benning, GA. We were both majors and she came from Georgia. We were visiting my in-laws when my father-in-law took me on a ride-along to check on his properties. At the time, he had about 10 single-family homes and I did not pry into how much he was charging for rent. But I thought, "he must be banking". However, I did ask him how he acquired the properties. He explained that in his small town, he is well known and respected, so when someone wanted to sell their home, he got first dibs. He was purchasing properties for $10,000 to $15,000. Right then, I decided that we can do it too. In the beginning, my wife was not on board, but I told her we could purchase in her hometown. 

Financing the Deal

At this time, we had a summer home we had purchased in the same town in 2007, but due to the house market collapse in 2008, it didn’t have any equity. We also barely broke...

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How to Passively Invest in Real Estate

Feb 06, 2020

What’s the difference between being efficient and just being busy? Why is this difference so important and how can you maximize efficiency? You must be currently swamped so that you are overwhelmed by it all. After all, most busy professionals who want to tap into the world of real estate "just don’t have the time."

These individuals are well aware that this market is very lucrative and offers a chance for great wealth. Nevertheless, they are unable to balance both work life and creating the time to seek an alternative investment. However, to be successful, you must not lose your ability to handle your business with grace, poise, and a firm iron fist.

To continue your seemingly arduous journey into real estate investing, what kind of daily, life-changing decisions do you have to start following when you are far too busy?

Investing in Turnkey Properties

Turnkey real estate investing is a loosely defined investment strategy in which the investor buys, rehabs, and has a...

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5 Ways Real Estate Investors Can Use Marketing to Boost Their Business

Feb 02, 2020

While there’s no denying that the demand for real estate properties is on the rise, your business as a real estate investor will not flourish unless you know how to set yourself apart in this overcrowded market. In fact, as the need increases, so does the necessity for optimizing your marketing strategy that will ultimately help you boost your business relevance, brand awareness, and bring more clients your way. As an investor, your role is a multifaceted one, including that of negotiating over prices, looking for the most appropriate buyers later down the line, and finding the most lucrative real estate opportunities overall. 

To refine your marketing approach in 2020, you need to keep your target audience in mind, as well as the market itself. For example, according to the National Association of Realtors, 50% of buyers found their home online, which instantly puts more pressure on your website, your social media, and other digital factors to enhance your...

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The VA Hybrid Loan and What You Need to Know

Jan 29, 2020

When it comes to VA financing, many veterans have heard about the popular fixed rate VA Loans. They are usually the standard when it comes to hearing about veteran finance options for real estate. But, did you know there's another option? It's called a VA Hybrid Loan and it could be a great choice for your home buying needs.

What is a VA Hybrid Loan?

A VA Hybrid Loan is exactly like it sounds – it is a government-backed loan that includes a fixed-rate introductory period that transitions to an adjustable-rate mortgage after a certain amount of time. The initial period can be 3, 5, 7, or 10 years. After this time (on the anniversary date), the interest rate can change yearly as determined by index, margin, and caps.

What is a VA Hybrid Loan Cap?

VA Hybrid Loans are capped – which means that there is a limit on the interest rate and how much that rate can rise both annually and over the life of the loan. The annual adjustment cap is one percent over the previous interest...

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5 Pro Tips for Rookie Landlords

Jan 26, 2020

So, someone has convinced you to self-manage your rental properties. Glad you found me. I will not try to persuade you that managing your properties is a bad idea, but I hope that after you read this article, you will fully grasp how much work it is getting started. Feel free to learn from my mistakes.

Be a Pro

 1. Train your tenants 

 Pro-Tip: Train until you cannot get it wrong.

 One of the greatest football coaches of all time, Vince Lombardi, once said, “We are going to practice not until we get it right, but until we can not get it wrong.” Apply this principle to as much as possible in life but especially landlording. Do not go into property management with the expectation that it will be passive. Property management is very active but you can make your job easier if you properly train your tenants. Every time a unit turns over and you place new tenants, you begin the training cycle over again. Each new tenant will bring a new challenge. If you...

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Market Focus: A Rising Tide: Economic Growth and the Port of Savannah

Jan 23, 2020

The perpetual bears among us have been forecasting an imminent recession and corresponding crash in the housing market since about 2015. Those bears have missed out on considerable asset appreciation since then, but eventually, the bears have got to be right — right?

 No, at least not in Savannah, and not for quite a while — and the biggest reason why Savannah’s real estate market is still in the third inning is those big, beautiful cranes that we see just upriver of the bridge.



 What’s in a Port? 

A port is more than just the terminals where ships take on and offload cargo. There are warehouses and yards to temporarily store goods, and planes, trains, and automobiles (and other boats) to move goods closer to the end-user. All this infrastructure and equipment must also be built, maintained, and fueled constantly. Most of this work is done by human beings, who must also be fed, housed, clothed, cared for, and...
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Member Success Spotlight: Real Estate Investing at Any Age

Jan 20, 2020

 Every so often I get the question, “How did you get your start in real estate?” The start for me was when I was very young, I then let it idle, and started again 30 years later.

In the beginning, my mom separated from my father when I was three and divorced when I was five, so it was the two of us for many years growing up together. Realizing at a young age that we had an uphill climb, and having been born an entrepreneur, I always found ways to accumulate cash: yard work, babysitting, snow shoveling, paper routes (Warren Buffett’s start too), selling candy in school out of my locker, returning school cafeteria trays for a dime each, etc.

After moving various times between apartments, an opportunity came up: a large complex of apartments and townhouses was selling off the complex as condos. Mom and I had been struggling and discussed this as a joint venture and decided to take a stab at it. Mom had the credit and a job and I had several thousand dollars saved...

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Everything You Need to Know About VA Renovation Loans

Jan 16, 2020

Let’s be honest – the current market is pretty crazy. House-hunting is a stressful event in general but add in the fact that you can’t find a newer home to fit your budget and that stress increases ten-fold. Most veterans are aware of the “normal” VA loan, but there are other options available. It’s important to know your VA loan options so you don’t miss out on spectacular opportunities! Whether it’s a foreclosure you fell in love with or just a fixer-upper, the VA renovation loan may have you covered.

What is a VA Renovation Loan?

A VA Renovation Loan is a single loan provided by the VA that includes both the home’s current value AND the amounts needed for minor remodeling and non-structural repairs. There are some similarities to the straight VA Loan- such as it is usually 100% financing, the home must meet the VA’s minimum property requirements, and the home must be the veteran’s primary residence. There is no...

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