Welcome to Building Passive Income with CREI Collin

Don't put all your eggs in one basket! In this episode, CREI Collin teaches you how to build a resilient, diversified passive income portfolio that protects you from market downturns, sponsor failures, and asset class headwinds. Learn the 4 pillars of diversification and how to balance risk and return across sponsors, markets, asset classes, and hold periods.

What You'll Learn:

• Tom's hurricane story: Why concentration risk is dangerous
• The 4 Pillars of Diversification: Sponsors, Markets, Asset Classes, Hold Periods
• Why you should invest with 3-5 different sponsors (not just one)
• How to diversify across 3-5 markets with strong fundamentals
• Asset class diversification: Multifamily, self-storage, mobile home parks, and more
• How to balance conservative, moderate, and aggressive portfolio allocations
• Why 6-12 total investments is the sweet spot (avoid over-diversification)
• How to track and manage your portfolio over time

Important Timestamps:

• [0:00] Introduction: Why one deal is a gamble, not a strategy
• [1:30] Tom's Story: Hurricane Harvey and the cost of concentration risk
• [3:45] Why Diversification Matters (Market, Sponsor, Asset Class, Timing Risk)
• [6:00] The 4 Pillars of Diversification Overview
• [6:30] Pillar #1: Diversify Across Sponsors
• [7:30] Goal: Invest with 3-5 sponsors over time
• [8:30] Example: 8 investments across 4 sponsors
• [9:30] Pillar #2: Diversify Across Markets
• [10:00] Goal: Invest in 3-5 different markets
• [11:00] Target markets: Sun Belt, Southeast, Midwest, Mountain West
• [12:15] Example: 8 investments across 6 markets
• [13:00] Pillar #3: Diversify Across Asset Classes
• [13:30] Goal: Invest in 2-3 asset classes
• [14:00] Asset class breakdown: Multifamily, Self-Storage, Mobile Home Parks, Retail, Industrial, Office
• [16:00] Example: 5 multifamily, 2 self-storage, 1 mobile home park
• [17:00] Pillar #4: Diversify Across Hold Periods and Investment Stages
• [18:00] Value-Add vs. Core-Plus vs. Stabilized vs. Development
• [19:30] Example: Staggered exit timelines for liquidity
• [20:30] How to Balance Risk and Return
• [21:00] Conservative portfolio: 12-15% IRR, stabilized/core-plus
• [21:45] Moderate portfolio: 15-18% IRR, value-add/core-plus mix
• [22:30] Aggressive portfolio: 18-22%+ IRR, value-add/opportunistic
• [23:30] How to Avoid Over-Diversification
• [24:00] Mistake: Too many deals (20+ syndications = overwhelming)
• [24:45] Goal: 6-12 total investments over time
• [25:30] Invest larger amounts in fewer deals
• [26:30] How to Build Your Portfolio Over Time (Year 1-3+ timeline)
• [28:00] How to Track and Manage Your Portfolio (spreadsheet system)

Key Takeaways:

✅ Diversify across 3-5 sponsors, 3-5 markets, 2-3 asset classes

✅ Aim for 6-12 total investments (sweet spot for diversification without overwhelm)

✅ Invest larger amounts in fewer deals (not $25K across 10 deals)

✅ Stagger investments over time to manage timing risk

✅ Track your portfolio quarterly with a simple spreadsheet

Resources Mentioned:

• Free Passive Investor Coaching Program: passiveinvestorcoaching.com
• CREI Partners: CREIPartners.com
• Email: invest@CREIPartners.com

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