If you’re chasing monthly cash flow, rental properties might not be the golden ticket you’ve been told they are. Don’t just take my word for it—ask your banker.

Bankers have a unique vantage point; they review and underwrite countless businesses, including real estate portfolios.

They’ll tell you a harsh truth: most real estate investors are broke.

Why Most Rental Properties Don’t Cash Flow

Rental properties are a low-margin business.

• One big expense, like a roof replacement or HVAC repair, can wipe out your profits for the year.
• Two months of vacancy? You’re likely breaking even—or worse, running negative.

The reality is that rental income isn’t as predictable or passive as many think.

What Rental Properties Are Good For

While cash flow might not be the strongest suit, real estate does offer significant long-term benefits:

• Tax benefits: Depreciation and deductions can save you thousands.
• Debt reduction: Over time,...