Jeff Filali | MrTulsa.com

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🏠 Is the famous 1% RULE still enough to make a rental property a GOOD DEAL? 🤔 For YEARS, investors have used the 1% rule to evaluate rental properties. But let’s RUN THE NUMBERS! Same $1,500/month RENT. Two different purchase prices. OPTION A: THE 1% RULE ✅ Purchase price: $150,000 ✅ Down payment (25%): $37,500 ❌ Mortgage P&I (7.5%, 30 years): $787 ❌ Operating expenses & reserves: $550 💰 NET CASH FLOW: $163/month! OPTION B: THE 1.5% RULE ✅ Purchase price: $100,000 ✅ Down payment (25%): $25,000 ❌ Mortgage P&I (7.5%, 30 years): $524 ❌ Operating expenses & reserves: $550 💰 NET CASH FLOW: $426/month! Same RENT, but approximately $263 MORE monthly cash flow! That’s an additional $3,156 per YEAR! Both examples assume similar property conditions and operating costs, including taxes, insurance, management, vacancy, repairs and CapEx reserves. Of course, a cheaper property isn’t automatically a BETTER investment. Location, tenant quality, future repairs and appreciation potential ALL MATTER! But here’s MY approach… I generally want at least a 1.25% rent-to-price ratio, preferably closer to 1.5%! And that’s just my INITIAL screening! THE 1% RULE IS A STARTING POINT, NOT A REASON TO BUY! Because I’m not investing just to COLLECT RENT. I’m investing to generate CASH FLOW that buys back my TIME and FREEDOM! Would YOU buy a rental at the 1% rule today, or do you require a HIGHER RETURN? 🤔 #RealEstateInvesting #RentalProperties #CashFlow #FinancialFreedom

Small Investors Capture 66.2% of Investor Home Purchases. Realtor .com’s October analysis shows smaller investors accounted for nearly two-thirds of investor acquisitions during the first half of 2026. Approximately 55.5% of investor purchases were ALL CASH. Investor takeaway: Smaller operators are increasingly dominant, while cash buyers can avoid today’s expensive financing. Source: realtor.com/news/trends/is-b…

📕 WHAT OWNS YOU?: The Addictions We Fight, the Ones We Celebrate & the Choices That Set Us Free. Addiction isn’t always what you think. It can also look like success, ambition, work, money, food, social media, your phone, or the constant need for others’ approval. If you or someone you know has ever felt controlled by something, this book might change how you see freedom and help you make positive changes in your life. Available NOW in paperback and Kindle at Amazon and other book retailers. 🔗 WhatOwnsYou.com @WhatOwnsYou #Book #FinancialLiteracy #FinancialFreedom #Author

📙 I AIN’T RICH…BUT I AM FREE!: A Practical Guide to Building Financial Freedom on Your Own Terms. Tired of trading your life for a paycheck? Or making good money but never having enough time for family, friends, and the things you really enjoy doing in life? If that sounds like you or someone you know, discover how to build cash flow, reclaim your time, and start creating true financial freedom. Available NOW in paperback and Kindle at Amazon and other book retailers. 🔗 iAintRich.com @iAintRichBook #Book #FinancialLiteracy #FinancialFreedom #Author

What Is That Habit Really Costing You? “It’s only $10.” Maybe. But how often? Once a month? Once a week? Every day? There’s a big difference. A purchase can look small when you consider it by itself. Repeat it often enough, and it becomes a meaningful part of your budget. The same thing happens with time. A few minutes here. An hour there. Something you keep doing without thinking much about it. Before deciding a habit is harmless or affordable, look at what it costs over time. Continue reading 👇 jefffilali.com/f/what-is-tha…

Today’s MY 49th birthday! 🥳 Just a few years ago, I honestly didn’t expect to be alive today after the serious health issues I developed from complications due to the COVID vaccine. I thank God every single day, and I’m grateful to everyone who prayed for me throughout those difficult years. I’m not finished yet, and I’m refocused on making the most of this bonus LIFE! I’m especially excited that TWO books I started writing back in 2019 are finally being released TODAY! Both had to be put on hold when my health deteriorated, but I was able to finish writing them this year. 📚 TWO BOOKS. ONE POWERFUL THEME…FREEDOM! 📙 I AIN’T RICH…BUT I AM FREE! Tired of trading your life for a paycheck? Or making good money but never having enough time for family, friends, and the things you really enjoy doing in life? If that sounds like you or someone you know, discover how to build cash flow, reclaim your time, and start creating true financial freedom. 📕 WHAT OWNS YOU? Addiction isn’t always what you think. It can also look like success, ambition, work, money, food, social media, your phone, or the constant need for others’ approval. If you or someone you know has ever felt controlled by something, this book might change how you see freedom and help you make positive changes in your life. 📚 Both books are NOW AVAILABLE on Amazon and other book retailers in Kindle and Paperback editions!

What’s YOUR “WHY”?

This is a tool I highly recommend. DealCheck App - Accurately Analyze the Numbers on Wholesales, Flips, Rentals, BRRRRs or even Multi-Family! ✅ bit.ly/Deal-Check

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🏚️ FREE Real Estate Inv Education Help • Over 40 Free Lessons • Tools & Services • 1-on-1 Coaching, Mentoring or Consulting Nearly 30 years experience - JeffFilali.com

Invest in Real Estate 🏠 they said... Generate Cash Flow 💵 they said...🤦🏻‍♂️ What the gurus don't tell you about this business is the BAD times...It ain’t all ☀️&🌈 🚨Here's some photos from a property that I’ve owned for several years and recently a large old tree caused major sewage line rupture and major foundation issues. 🤦🏻‍♂️ 💰Tree removal 💰 Foundation repairs 💰 Sewage line replacement 💰 Flooring replacement 💰 Other repairs and rental prep 🔻💲say bye bye Cash Flow for a few years…😡 This is why I don't invest in deals that have low cash flow per door, even if terms are great. One bad tenant or major maintenance issue could eat up your cash flow for months or even several years. I'm not posting this for anyone to feel bad for me, I'm posting it as a 👨🏻‍🏫 learning experience for aspiring real estate investors to see the bad side gurus don’t talk about and encourage you to think twice when running your numbers to make sure you always figure in ALL potential expenses. Maintenance issues happen, major repair needs happen, vacancies happen, evicting tenants happens, tenant damages happen, tenant skip without paying happens, etc. So, learn your numbers and only buy GOOD number deals! #KeepingItReal #TheUnknownFacts #LandlordHeadaches #TheTruthAboutREI