Real Estate Investment Strategies for Beginners, Chat With Lisa Tang

Yasi: Today I have very special guests, and her name is Lisa and Lisa is a lawyer, senior legal counselor and author, and also a property investor. And she started her property investments by owning and controlling the studio flat in Cambridge and to steal flats in Liverpool. And she’s also investing with her brother providing emergency housing.

Now they have 36 units and they will donate profit from one unit to charity and reinvest the rest of the capital. And she has gained tremendous experiences over the years with property investment, and she has achieved great success. And today I’m so honored to have her here to share with you, what has she done in the past to achieve great results and what are the do’s and don’ts so that you can start with your first real estate property investment with a success and welcome to a Fast Track podcast.

Lisa Tang: Hi, Yasi. Thank you so much for having me. It’s a great honor to be on this podcast with you. Yeah, so that was a quite accurate introduction of myself. To be honest, I started investing already back in 2008, but that was more random than having a strategy. We just passed by a property. There was a development and I thought it was a good location in Cambridge, so let’s just buy it.

And at that time, the prices were quite horrible. And then in 2014 we bought another unit and that one needs a Liverpool and we didn’t do anything after that. So I just stayed quite. And didn’t reinvest the money at all. I didn’t think about these things. It was just something in the background. It generated a little bit of extra money, but we spent it all.

And this is something you should not do. If you are investing, you should reinvest the profits, the money that you make because then you will have that compound effect. So to be honest, my professional property investment journey or investment in general only started at the beginning of this. So I joined a mastermind.

I’m actually joined more than one. I started last year with another mastermind, but I knew that I wanted to create passive income because with passive income, I can then achieve financial freedom. And this is my ultimate goal is to be able to live my life by design, to decide how and when I’m going to work.

And I figured out that property will allow me to do that. But I didn’t have all the tools. I didn’t have the network. I didn’t have all the knowledge. I did have some knowledge from my like amateur investment days. And this is why I sought out these different mastermind groups to learn more, but also to network.

And it’s been an amazing journey because if you had spoken with me at the beginning of this year, I would have been in a very different place. Then it also gives you the confidence to do this. And they have shown me as well that everything or anything is possible. And just in the last two days, three days, I have to say, even I raised finance because I want to get some deals, touches some deals.

And I started speaking with friends and I told them about my investment journey and some of these friends have seen me. From the very start of my journey. So they believe in me and they have seen my progress and I just got a message to us saying that somebody is willing to invest the 17,000 pounds with me.

And yesterday was 20,000 pounds and the day before eight, eight and a half thousand pounds. So within just a space of a few days, I’ve managed to raise over 24 to 45,000. Oh, yeah. So we’ll have 

Yasi: shown results, right? You have shown results yourself by investing all the properties in the past or earlier you mentioned at the beginning, you didn’t know where you’re doing quite like amateur, but how did you get into real estate investing?

Why not eat here? Why not other stuff? Why? Really? 

Lisa Tang: Yeah. At that time it was 2008. So we’re looking at. 13 years ago. I don’t think I knew about ETF at that time. Correct. You’re definitely not. And property is very solid investment because it’s bricks and mortar. You can seal the assets and I was living in the UK at that time, or was working in Canaan.

And of course it’s on everybody’s mind if somebody wants to own a piece of property and that was on my mind as well. And I think at that time we already bought a property. So this was just like, I just saw the opportunity and I think this is what I’m good at. I’m good at spotting opportunities see potential.

When I look around, I see that there’s something unique about it. And then. This is a long-term investment in properties, tend to go up in value over time because of inflation because of the demand, because of Population. There’s so many different factors and property, you can also borrow money so you can leverage the power.

So if a property costs a hundred thousand, you don’t need to bring a hundred thousand in cash to buy it, to control it. You just need maybe 25%. Whereas if you’re buying shares or ETF and other things, I think in the usual case, you would have to raise the full amount. Of course again, the, there are hedges that you can do.

But in general you would have to buy the assets outright with your money. 

Yasi: Yeah. And then in the intro I talk about, you’re invested in 30, 40 units that it was before the mastermind journey. 

Lisa Tang: No, that was actually treating the mastermind. And that was as a result of the mastermind because the people who offer these opportunities, they were part of the mastermind communities.

So there was a bit of trouble. As always, whenever you invest, you always have to do your due diligence. You always have to check the facts, verify them, understand the risks. With every investment, even if people guarantee you a fixed amount, fixed return, all. Always risks involved. You just have to understand the risks, try to minimize them, and then make an informed decision.

If you want to go ahead and, you should always be prepared that if he were to lose that money, then this is something that you willing to lose. Although the chance of this happening could be smaller than the chance of you gaining. The money, but this, and this is not financial advice by the way.

I used to be very clear on that, that, yeah. 

Yasi: Yeah. So this is exactly, this is not the financial advice. Let’s talk about financial education, then what is the methods you’re using to evaluate a property? If it’s a good one, or if it’s not a good for you to embed. 

Lisa Tang: Yeah. Very important to actually understand the basic financial education and knowledge, because I think a lot of people like this, we don’t learn about this at school.

So this is if you’re street smart, you learn about it. When you are looking at, or assessing a deal, you have to understand how much you have to put into the deal, how much it generates, and then you work out your return on investment, which is usually if I put. A hundred thousand and I get 10,000 per year.

Then I take the 10,000 divided by a hundred thousand and that’s 10%. So my return on investment is 10% now with the bank you get. Less than 1% even minus and with some shares or some funds, you may be getting 5%, which is still quite decent. So this is how I evaluate whether it’s worth investing in a deal or not.

And of course there could be higher return investments, but they could be also. Risks involved in those. The important thing is to understand the underlying transaction. So when somebody says to me, if you invest in this, you could get five or 10 or 15% return, then I have to understand how do they use the money to invest?

Where is how does a transaction flow from one party to another? And because I’m a lawyer, I do have an advantage in assessing the risks from a contract perspective, to understand who signs, which contracts with who, who guarantees what happens if one party doesn’t honor their contract, what happens if one party goes bankrupt, then how do you deal with.

How do you recover your money? How do you deal with the risk? How can you mitigate the risks and the due diligence that you have to do before you make any investment? Just to understand how solid is this person or this company that you’re investing with. Do they have funds? Do they have assets? If something were to go wrong, how do you perceive that?

Yeah, but I would just want to mention something as well. I think this is really touching the core of this and what you’re doing is the financial, the money mindset. And this is very important. And for me, this has changed a lot. If you talk to me a year ago, my money mindset was very different from what it is.

Yasi: How so can you tell us a little bit 

more? 

Lisa Tang: Yes, definitely. So we are conditioned to think in a certain way, because of the way we grew up because of the way society has put us into these boxes, your education from your parents, from your peers, from your environment, from school. We are trapped in to thinking that we have to do well in school so that we can go to university, get good grades and then get a good job, enter this rat race, which everyone else is doing.

And then you work you work your way up. You make money, you buy bigger assets, you buy a bigger house, you have cars and holidays, but you still trading your time for money. And this may never be financially free because to be financially free, that means that your efforts will not. Correlate to the output.

So you could put in a little bit of effort and you could have infinite return, or you could have money coming in on a weekly, daily basis, monthly basis, but you don’t have to do any more work for that. And for me, that is financial freedom. I do the work once and he keeps coming in and whether I sleep or I work.

The money is still coming in. And for me, that is passive income. Whereas if you go to work and you work for someone else, or you work for yourself, you trading your time for money and, getting an education, doing another qualification, getting an MBA, whatever you’re still trading your time for money.

If you work for someone, you just getting a higher rate per hour. Yeah. And then the mindset before it’s oh, to invest, you need to have. And that was how I thought about it before. And this stops a lot of people from investing because they haven’t got the funds. They haven’t got the Japan. But during these different masterminds, we’ll learn to invest with other people’s money.

We learn to leverage. We learn to raise finance. We learn to look at your assets. How can you sweat your assets? Do you have equity? Can you release equity? Because a lot of people also, for example, if they have a property, a house and they’ve bought it for many years and the house has gone up in value, there is equity in the properties, but they don’t know how to release this equity because the mindset is.

I need to reduce my debts. I need to clear the debts. I need to have a debt-free house because I want to live in a house with no mortgage or debt, but you’re the debt on your house. It’s usually going to be the lowest debt that you can actually get all the other debt to go to be more expensive. So the mindset here is to teach you to say that anything you want to do is possible.

Now, if you want to achieve a certain financial goal, Or even a goal, you just need to be a bit more creative if you have, if you don’t have access to resources and it makes you very resourceful because you now have to think outside of the box in order to achieve the same results. As other people who have access to funding have access to a large net.

Yeah. To 

Yasi: activate your assets, some assets, they are dominant, not activated. Think outside the box, like a one, a very typical example we like to use is the cars, right? Because a lot of people have their car sitting in the garage and the car depreciates all the time. Oh, your balance sheet is assets, but this asset is not cash generating assets.

So what if you can rent out your car now your car start to make money for you. And then your car is a cash generating assets, your house, you can rent an extra room. You can, do Airbnb, if you have a basement. Yeah, this is. Very good point. And after doing this mastermind educational group what is your plan using real estate investment to achieve the financial freedom?

What’s your blueprint. Yeah, 

Lisa Tang: I think the blueprint would be to first, you need to go through the education. You need to have an open mind. You need to be able to learn new things and understand finances and understand investment compound interest and all of that, and be open to just receive all of this knowledge and income and the network.

And then I think the first foundation would be to generate cashflow. This is very important because with the cashflow, you are then able to step out of your day job to step out of a job that pays you a salary because that ties in your time. Because what you’re doing is again, you’re trading your time for money.

So you need to get the foundation, get the cashflow pay for your expenses. And once your expenses have been paid for you can cover that. Then the next step would be to increase your cashflow, to give you that lifestyle that you have designed for yourself, where you want. And once you have the cashflow coming in and cash flow does not necessarily mean that you have to own assets.

You just need to control assets. Yeah. So they units that we are talking about. We don’t own them. We control them in some ways, but they generate cash after that. You then start acquiring assets when your cashflow is good, you can then use the cashflow to put down money for deposit for purchases.

And so the idea is you need to then build your capital and allow that capital to grow because over 10, 15, 20 years, The capital will continue to grow. Whereas your cashflow, if it’s tied to a product or a contract, once that contract finishes, there is nothing else that will generate money for you.

Yeah. So then the asset will then be, so the idea then is to probably reach about a million in assets. And then with that asset, you then can maybe generate 10%. Of cashflow and that’s a hundred thousand. So that means that your passive income is going to be a hundred thousand. Now you can just work at whether you want a hundred thousand a month or a hundred thousand a year.

Yeah, go 

Yasi: ahead. Sorry. In order to accumulate this 1 million assets, just example. Yeah. Maybe some people just need 500,000. People still need to understand how to boost up their earning power and saving. And then to make this the earning and the expense, the gap as big as possible to fast-track your saving then, like you said, too, this is your initial capital.

Then you deploy your initial capital real estate investment. The other. 

Lisa Tang: Yeah. So of course, in order to achieve the numbers that you want, you can then I decrease your spending so that you have more available to, to invest. You can also increase your cashflow or your investment or your return.

But if you do both at the same time, the impact is going to be bigger because at some point, we don’t need to spend more money on. Living expenses. If at some point we will reach a saturation point where we happy with what we are and then it’s just increasing the cashflow. But the best part of course, is at the initial stages that you reinvest the money that you make.

So you have that compound effect because for some people, they’re happy that they received this money and then they start spending this money and this spending bigger. So you’re not really necessarily better off if you start spending more, because at the end of the day, you just have nothing left to them.

Yeah, 

Yasi: like you, you told us about a story earlier. You coach yourself as the editor real estate investor, because need the cashflow that you get from your investment. And now there’s you reinvest the cash flow you get from your investments invested. Real estate properties. 

Lisa Tang: Yeah, so it’s in real estate projects.

And the reason why I like, I have also started going to cricket as well, because it’s very difficult to stay away from crypto. If you’re an investor and right now the market is very buoyant and everyone is doing it and you’re like, ah, there’s no way I can not do it. But then there are shares.

There are other things that you can also invest in. I just prefer the real estate market and especially in the UK, because. First of all I’ve lived in the UK. I understand the market, understand the dynamics, that demand and supply, but also the law tends to be in favor of the landlord. And this is good for investments.

If you want to hold assets and we want to own properties in some other countries, the law isn’t fair, the tenants. So if they don’t pay, it’s very difficult to take control of the property and if they don’t pay it, you’re losing money. So you need to have a, a cash buffer to factoring these things.

And the UK, because properties prices are much cheaper than in, in Switzerland. You can get loans. Even if you are a foreign investor, you can set up a company. So there are a lot of factors that favor investors in the UK. People ask why don’t hang this in Switzerland in property. It’s just you’re looking at much bigger stake, much bigger initial capital.

And it’s just right now, it’s about investing. It’s just looking for the right assets or opportunities where you can make the most of your money. 

Yasi: And you talk about financing and UK, how can someone. Get bank financing to invest in rules, say property, what are the banks looking at to, to decide? 

Lisa Tang: Yeah, so there are many vendors.

So there are choices. What they’re looking at is the assets that you are acquiring. Ha the ability for you to repay the loan or the interest through what the assets to generate. So this is what they’re looking at. They’re not necessarily looking at you as a person, whether you can afford to pay. So it’s the underlying assets that you are investing in.

Yeah. 

Yasi: And do some. Th does the investor need to propel a lot of cash upfront or what is for investment? What is the minimum down payment UK? 

Lisa Tang: Normally you’re looking at around 25% as a minimum. If you’re a foreign investor, you probably will have to pay. Higher interest than domestic investors. But again, you can go from 25% to whatever you have or you have the easier it is for you to get alone.

The easier to maybe you get better rates. Usually there is a minimum amount that the lenders will lend because otherwise it’s not worth it for them to do. 15, 20, 30,000. It’s just a lot of paperwork and you have to pay you admin fees. But it’s quite open. In the UK, you can look at in the north in Scotland, you can look at properties worth 40,000 pounds.

Down in London, you can be looking at several million for. But there are prices, all kinds of prices in the UK. Whereas in Switzerland, I think you can, the minimum property price would be like four or 500,000, right? 

Yasi: Yes. The minimum, there’s a cap on the minimum, but there’s no cap on the maximum, but in UK there’s a wide range for different nesters.

Yeah. Yeah. What are the matrix you are looking at earlier? You mentioned about like 10% cash on cash is 10% is a good indicator, or what are the other indicators you’re looking 

Lisa Tang: at to be honest, because right now in this property world, and I’m in these communities, I see what is possible and understand the underlying transactions.

So the investments I am looking at, they could range between 30 to 60%. And and people, when they hear about this, they’re like, this is crazy. This is madness. It must be some sort of scam, but it’s just like when you don’t control when it’s, when you don’t own a property and you control the property through different methods and different ways, it’s very possible to achieve, 1520, 30%, because remember that the return on investment is calculated based on how much you received divided by how much you put in. 

Yeah. So for me those figures are possible. But it’s to understand the underlying transaction and what I do, because the more people you have in the transaction the lower the margins are going to be.

So I was talking about return on investment, how you calculated. So basically. The amount that you receive from the investment divided, by how much you have invested. Now, if you were to buy a property, you wanting to put down a 25% deposit and then you have to pay texts or land, transaction taxes, and so on.

Then you have to pay for legal fees. You have to pay for surveyor’s fees. If you instead control a property by renting it from the landlord and then rent it out again to somebody else. You don’t have those costs. So the cost that you may have is maybe you have to renovate a little bit. Maybe you have to pay one month rent in advance to the landlord.

So these costs are very minimal. And if the property is brand new, there’s not even renovation costs. You may have to put down a deposit, a small deposit to guarantee the rent for one month and then once renting advance. So maybe you’re looking at two months of rent and that’s all the money that you have to put down.

And therefore your return that increases massively because the money that you make from this, you just divided that, but the money that you have invested in it. 

Yasi: Yeah. Yeah. It’s this one you talk about is you rent from people who own this assets, then you renovated, and then you rent this assets out to other people with a premium.

So that’s why the cashew invested. Minimum, but then the return is the difference between what you rented you, what you rented out and what you rented from the 

Lisa Tang: yes, because if you offer the landlord a fixed friend for five years, for example, it becomes very enticing for the landlord because now they don’t have to worry about void periods, meaning like nobody’s going to live in a, the tenant moves in, lose out In that way, you just tell them, look, I rent from you.

I pay every single month for this amount of money. It’s going to be a little bit less than the market rate, but at least you have the comfort and you have the certainty that you will receive rent every single month. You don’t deal with any tenants. And I will manage the property. I wouldn’t put tenants in the, I will check them in, check them out, see what out, if there’s any repairs that needs to be done, I will do all of that.

So then what you can do then is do you benefit from a lower rent first and second, if the law allows it, you can then rent it out as Airbnb or service accommodation, where you charge a nightly rate instead of a monthly rate. And this way you increase the rental income. 

Yasi: And this way for the investors, if they don’t have this twenty-five percent cash ready to acquire asset, they can still get the foot in the door, start to earn the cashflow, right?

Lisa Tang: Yes. So this is a strategy that many people, many investors use when they start out and they don’t have the capital to buy a property. And so when I started looking at investments, I thought, this is not for me. This is a strategy for people who don’t have money. And I had managed to raise some money. So I had a pot of money that I could invest, but the more I thought about it, I thought, why wouldn’t I do this?

This is so lucrative. This is so easy to make money. And it’s so quick because if you have, if you get control of a property, you can vent it out immediately. If you buy a property, it’s going to take you. Three months or so in the UK in way because of paperwork and registration. And so I initially planned is only for short term, but now I just realized that it should always, I should always have this strategy in my investment portfolio.

And then this will be alongside acquiring properties as well. But this cashflow helps me to. When we have cashflow in a company, we can then use that as a buffer. We can invest in other products projects where maybe at the beginning, it doesn’t generate any cashflow because you’re not investing in the capital growth.

So they usually say, you have to choose, do you want cashflow? Or do you want capital growth? If you, for example, invest in London, then you’re looking at capital growth because over time properties tend to go up in value because it’s desirable and people invest in London. But in terms of cashflow is. No cashflow is it’s.

The return on investment is very little because the initial investment is so large. 

Yasi: for foreign investors who want to invest in UK, market is great. And the lots of choices in terms of price range and the high demand, how can they set up a business? What is the tax implication? Can you just take us through this process briefly?

Lisa Tang: I will not be able to tell them about the tax implications because I’m not a tax advice. And I also have to seek my own advice when it comes to taxes. But it’s very easy to set up a company in the UK. Anybody can do it and I’ve done it. I’ve set up several companies. It takes only a few days.

It doesn’t cost where, unless you’re looking at maybe 50 francs to set it up and you consider it. Business bank account again, very easy. So to start and to set up the company is not difficult at all. And usually, when you invest, they will tell you, do you want to invest? Do you want the company to buy the assets, control the assets, or do you want to control the assets yourself?

And people will have to look at the individual circumstances. See what makes sense. From my perspective, it makes sense to set up the company and allow the company to control the assets and to purchase the assets, because then it’s not really personal, it’s a business and you have a business structure, but you also have, advice from accountants to put this into a business structure and then you have all the expenses and you may be, Corporation tax may be lower than the past no tax.

Again, this depends on how much the individual is earning, but I think long-term, if you want to do it in a large scale is, should be done through a company structure rather than in the personal capacity. 

That’s very interesting. For any foreign investors who are not present in UK and my interest in this market, but one concern, most people might have is that they are not living in the UK.

Yasi: The properties are so far away from them. would that be? The risk? Would there be any problems managing those properties? 

Lisa Tang: They should know that I live in Switzerland and I invest in the UK. I’m not there. I sometimes haven’t even seen the properties. I don’t manage the properties because my whole strategy.

It’s about remote investing. I don’t plan to move there just to control the properties. And so the remote investing works for me. It can work for other people too. I hear comments from people in the UK saying, Lisa, you’re amazing. You invest from Switzerland and you can fall properties in the UK.

And even in my city. And then the lady told me I live in this city, but I don’t have any properties here. How do you do it? And I said them that. I only work with strategies that work in this way, because I don’t want to manage properties and I don’t want to manage people. My time is too valuable to do this because then I just tried my time for money again.

And this is a very dangerous trap to go into because when people saw investing stuff, buying properties, they always think I should be that you sought out any problems. They have to take care of the tenants, but then you’re just doing somebody else’s job. Your time is too valuable. Pay somebody to do that and factor that cost into your investment criteria so that you only invest in deals that will allow you the right return factoring into all of these.

If you’re not there physically, how are you going to find a right person to mention property for you that you can trust? I think generally it’s the biggest barrier for a lot of investors we must overcome. 

Yeah. So you can invest in deals that will give you the full package. So they manage the property for you.

And I do have, we have investment in those deals as well. So I’m trying out different. Different strategies. I’m trying out different such as to see which one works best for us. And then in some cases I have been recommended a management company. So then we use them. And of course, there will be pitfalls in everything that you do.

You just have to try them out, but you just have to have a plan B in place in case one thing doesn’t work. And I can give you an example. We have a property that we rent from the landlord. It’s in Redding. And the management company was good to start with, but then they had problems and in the end they didn’t pay us.

So they still owe us money for one month rent or a little bit more. But, we had an open communication and I’m trying to be understanding here and see that, okay, there are problems and we’re going to work out a plan payment plan. So they decided that they can maybe pay us on a wicked basis. And then over a number of weeks that we can then recover that money.

But what we had to do is we had to control and we had to transfer the management over to another company. And that company is not running this property for us. And it’s now making money. Again, we are getting bookings. So these things will happen at some point you just have to be prepared and you just have to.

Not take it too personally money in my view, if I lose a bit of money that’s okay. Because money can be made. I can make money later on. Yeah. 

Yasi: Yeah. And what are the mistakes people make in real estate investment that you want to highlight here so that they can avoid? 

Lisa Tang: Yeah, so some people invest without doing the due diligence.

They just trust the other person too much. They just throw money at them. And then later on. They don’t get the money and they then try to recover this money. And it’s very stressful because I’ve come across people like that. They say, look, I lend money to, to this person. And we were friends and all of that.

And I said did you have a contract in place? No, we didn’t have a contract. As a lawyer, I will always, try to get people to, to think about these things. And then some of them say, yeah, we did have a contract, but now they’re not paying. So what do I do? So I’ve come across people like that.

So there’s this. That you, of course, if you come to work with people, you need to trust them, but you also need to verify what they’re telling you. And to be honest, the experience I’ve been through is that people in. And people they trust. So this would be your friends, your family that want to help you out.

They don’t necessarily invest in projects that you bring to them because for them, this is like they can’t assess the risks. They put the risks with you. And if they’ve known you for a while and you keep your words and you deliver on your promises, then they will continue to invest with you. Because people who don’t know how to invest the money.

They have money sitting there, but they don’t know what to do with the money and they don’t know who they can trust. So this is finding a right balance between giving them the rewards and that they trust you and that you deliver on your promises. 

Yasi: And how are you going to scale up with your real estate properties?

Are you going to, make it bigger or is this the amount that you are happy with then you are going to stick to. 

Lisa Tang: No, I’m not there yet. This is only the early stages. We have some success, we’re making some money, but again, that money is being reinvested. That money is being used to. Back the investors.

We are going to compound it. So the next step, the next scale up is actually to do block of flats to do bigger developments. So you’re not just buying one individual unit you’re buying like 20, 30 or 50 units. It could be that you buy a block of flats and you renovated, you change purpose from commercial to residential or the other way around.

And you look at land opportunities. You there’s just different projects that you can look at. Again, I want to mention a few of these things. They’re very advanced. For beginners, it will be difficult to understand the concepts can also be looking at purchase, lease options different ways to control a property and flipping meaning you buy for low price.

You renovate, you sell it for high price that the scaling up is and making it big and not just do individual units. 

Yasi: Yeah. So you put your effort one time, but it’s on a scale rather than individual units that you need to renovate. Find the contractor, check the, yeah, exactly. You put too much time into exchange for the capped return.

Okay. Then now you talk about, you have some passive income. Is there anything. Difference that you observed your lifestyle. Now you are earning passive income compared to before. 

Lisa Tang: Yes, of course, you just have more freedom to do what you want to, but remember also the passive income that is being generated from these investments that go into the company.

So I am not spending this money. This is the company’s money and that money is being reinvested. So I, I still continue my life as usual. It’s only at some point when there is enough money. And the company that you can then start withdrawing the money and then you can start living on this money.

So at the initial stages, yes, there’s money coming in. That is profit. May. But I’m not touching this money, 

Yasi: but it’s helping you building up the foundations towards the ultimate financial freedom. 

Lisa Tang: And he also gives you confidence. You confidence that you can do this, that you see the money coming in. And that I think it’s a big boost for anyone when they start seeing money.

Rolling in. 

Yasi: And then since if you invest in 1, 10, 20, 30 units and you generate positive cash flows and you can just literally up replicated, you can do the 50th and the 100. 

Lisa Tang: Yeah. So the goal here is to work out how much you want for your cashflow to live the life that you want. If you say it’s 10,000 a month, then you work out how many deals do you need to do to reach 10,000?

And then you work out, how long is it going to take you? Because if you can only buy one day. Every six months, and that’s going to take you a number of months or number of years, and then you just have to break it down to understand what you need to do on a monthly basis. 

Yasi: Do you think everybody can achieve financial freedom with rose that investment 

Lisa Tang: only if they have the right mindset.

So it starts with the mindset. You don’t need to have all the money. You don’t even need to have any money to stop investing because you can leverage other people’s money. But you need to have the right mindset. You need to have the support. And you also need to work hard. You cannot just sit there and wait for money to fall down and then to say I have the money not to go out, invest, but yeah, anyone can do it.

I’ve seen other people who had no financial knowledge or property experience. They’ve done it even before me. I seen a 20 year old achieving financial freedom stop working. Yeah. So it’s. 

Yasi: Thank you so much for being here and open my mind or the audience mind, they now exposed to another type of real estate investment.

Not just, you have to have a lot of money, buy a house, rent it out, but you can think about how to leverage. Other people’s assets, but you take over and then generate cashflow. Very interesting. What if some of our audience are very interested in learning more from you investing property, invest in UK?

Where can they find 

Lisa Tang: yeah, they can contact me, definitely. Should I give you my email address or will you be putting that down in somewhere? 

Yasi: Okay, then I will put your email address in the show notes. If you don’t mind. 

Lisa Tang: Not welcome to, to approach me and if I can inspire people, I would be very happy to do that.

And it could be about anything. It could be about writing a book. It could be about investments. It could be about anything. Yeah, it’s interesting for them. 

Yasi: Thank you so much for being here with us, Lisa. 

Lisa Tang: Thank you Yasi for giving me this opportunity, thank you for this.