“You don’t have to do everything yourself to build wealth. The most successful investors know when to stay active, and when to step back and let their money work.”

Rise Capital Investments

The Myth of the Solo Investor

Many investors believe that to control your financial future, you have to control every deal yourself. When we talk about passive investing, they nod in agreement—yes, they want passive income someday—but then say, "I can't give up control. I don’t even want to retire and lose my purpose."

Except… they’re burned out. They’re tired. They want options. They just don’t know how to get there.

There’s a necessary mindset shift that has to happen to reclaim flexibility. After spending time in entrepreneur and wealth masterminds with some of the wealthiest people we've ever met—hundreds of millions in net worth, maybe even a few billionaires—we’ve seen the common thread: successful investors know when to be active and when to be passive. Here are the lessons I learned from people playing the game at that high level.

1. Run a business actively—ours is private lending in select markets.

2. Invest passively—when someone else can outperform us in areas we don’t want to manage.

Our active business happens to be in real estate, and we help others invest passively alongside us. Your career or business is probably in something else, so real estate may be where you invest passively.

Our model is designed to earn high-yield, stable returns while avoiding unnecessary risk: we pay 10-12% annually (over 15% compounded over 5 years). That’s the same strategy even experienced real estate investors utilize when stepping outside their core operations.

We invest passively inside and outside of real estate, in public and private markets. We stick to what we do best and let others handle the rest.

Masterminds are where we figure out how others more successful than we are are doing it

A Local and Diversified Advantage

Real estate is local. No matter how advanced technology becomes, physical assets still need local boots on the ground.

When we invest passively in another operator’s deal, we intentionally diversify out of our local area with someone who knows their market better than we ever could.

At Rise Capital, we specialize in private real estate loans in Salt Lake City, Utah, where our team lives and works. Our network of borrowers, investors, contractors, property managers, and brokers is deeply rooted in these markets.

📌 Why it matters:

• We know our borrowers personally and can step in when needed.

• We lend in non-judicial states like Utah, where foreclosures are faster and lower risk.

• Our team has construction and property management experience, allowing us to take over a struggling project.

• We live near the properties we lend on, which gives us hands-on oversight.

Active in Our Niche, Passive Everywhere Else

Most real estate investors actively manage rentals, dealing with maintenance, tenant issues, and market swings. That’s a great way to build wealth—but it’s also a job.

📌 You don’t have to manage everything yourself to be a real estate investor.

At Rise Capital, our niche is private lending and select equity deals. But personally? We invest passively in a variety of areas, because we know we can’t be experts in everything.

🔹 What We Actively Manage:

• Small rentals and projects we can pay for an manage ourselves without investors.

• Hard money loans in select states where we can step in if something goes wrong.

• Small equity positions in value-add deals we understand deeply—like our RV park in Texas that we’re repositioning ourselves.

• Fund-of-funds deals where we negotiate direct investing access for our fund, sometimes with better terms than what’s publicly available.

🔹 What We Passively Invest In:

• Larger syndications outside our markets.

• Real estate funds focused on niches like self-storage, medical offices, or industrial.

• Oil & gas investments for tax benefits and diversification.

• Non-real estate private credit and equity opportunities that fit our cash flow and risk profile.

• Public index funds and bonds to round things out.

Deciding what to DIY, what to partner on, and what to outsource is a skill in itself!

Expanding Your Definition of Real Estate Investing

Many landlords think being a real estate investor means owning and managing properties. That’s one option—but not the only one.

✔ Love managing rentals? Keep doing it.

✔ Enjoy flips and rehabs? Great, go build something awesome.

✔ Want to invest without more work? Passive investments exist for a reason.

📌 When Rise Capital bought an RV park in December 2023, we happened to be living in our RV in Florida with our homeschooled kids. We moved to our new park in Texas for 6 months to stabilize it—migrating older residents to auto-pay, digitizing work orders, even remodeling bathrooms ourselves when we couldn’t get reliable bids. Now that's active management!

But even then, we considered ourselves retired because our other passive investments kept paying our bills while we worked on longer-term goals. That’s the beauty of diversification.

We don't want to do everything ourselves, trusting others is the key to passive income. But if we have to...we can...

The Takeaway: Do What You Love, Invest in What You Can’t Manage

🔹 Focus your energy on your area of expertise—whether that’s real estate, healthcare, software, or teaching.

🔹 Add passive income where you don’t have the time, energy, or skills to manage it yourself.

🔹 If you want to diversify but aren’t sure where to start, let’s talk. We can't give financial advice, but we can share what’s working in our own early retirement.

At Rise Capital, we make investing boring, predictable, and profitable. Our private lending fund pays steady 10–12% returns without tenants, maintenance, or market volatility. Our equity deals offer depreciation and long-term upside.

You can choose which projects in our accredited investor fund fit your income, growth, and tax strategy.

💡 Ready to explore passive investing?

🔗 Log in to our Accredited Investor Portal to invest together on what we are using for our own passive early retirement. Invest passively to live actively!

Customizable portal where you can choose your own investments from our vetted offerings, projects we invest in ourselves alongside you.