Why I’m Still Betting on Multifamily Real Estate (Even When the Market Feels Messy)

Let’s be real. If you’ve even glanced at the headlines lately, you’ve probably seen some version of “Real Estate Crash Incoming!” or “Interest Rates Freeze the Market!”

I get it. The economy’s weird. Rates are high. Insurance premiums are climbing like they’re chasing a gold medal. And yet... multifamily real estate is still one of the smartest plays I know for building long-term wealth.

Let me tell you why, and how I’m approaching it differently in 2025.

Takeaway #1: Uncertainty is Normal. Savvy Investors Play the Long Game.

I had a mentor once tell me, “There’s always a reason not to invest. The key is knowing when the risk is worth it.”

Right now, multifamily investors are dealing with a tougher lending environment. Higher interest rates mean fewer flashy deals hitting the market. Some people are sitting on the sidelines, waiting for “the perfect time.”

But here’s the thing. Timing the market is a fool’s game.

What matters is time in the market—getting in when you find solid fundamentals, conservative underwriting, and partners who know what they’re doing.

Personally, I’m doubling down on Class B and C assets in high-demand markets. Properties that working families can actually afford. Because no matter what the headlines scream, people will always need a place to live.

Takeaway #2: Insurance Costs Are Up. So Is Demand for Affordable Housing.

Yes, insurance costs have spiked across the country. That’s real. It’s one of the biggest line items we model into every deal. But guess what? Rents are still rising in most markets because there’s a chronic shortage of workforce housing.

I saw this up close when I toured a 1980s apartment complex in Houston earlier this month. The bones were solid. The rents? Way below market. And the demand? Off the charts. The kind of place where small, thoughtful upgrades could genuinely improve people’s living situations and deliver strong returns over time.

Do higher costs make deals tighter? Absolutely. Does that mean there are no opportunities? Not even close.

In fact, this kind of environment is where thoughtful operators and investors who work with them can shine. The bar is higher. The fluff gets cleared out. Only the solid deals move forward.

Takeaway #3: Mindset is the First Investment. Every Time.

I want to level with you.

Before I started investing, I used to believe wealth-building was for “other people.” The ones with trust funds. The ones who “got in early.” The ones with six-pack abs and yachts on Instagram.

Meanwhile, I was traveling for my corporate job, raising babies, and wondering if I was ever going to get ahead without sacrificing everything that mattered to me.

My first investment wasn’t in real estate. It was in my mindset.

I had to believe I could do it. I had to learn the language. I had to get in rooms with people who thought differently.

That shift, that willingness to see myself as someone who could build passive income and generational wealth, was the hardest part. The rest? Learnable.

That’s what I want for you too. Even if you’re not ready to pull the trigger on an investment, the fact that you’re here reading this means you’re already taking steps most people won’t.

One of my favorite moments recently was watching my kids play in the backyard while I reviewed an offering memorandum for a new deal. A year ago, this would’ve felt impossible. Too risky. Too “not me.”

But the real risk? Staying where I was at.

I don’t want to look back one day and realize I let fear or analysis paralysis keep me from creating the life I knew deep down I was meant to live.

If you’ve been curious about real estate investing but overwhelmed by the noise, you’re not alone. That’s exactly why I created The High-Income Professional’s Guide to Passive Real Estate Investing, a free resource that breaks it down in plain English.

No pressure. No hype. Just the kind of information I wish I had when I was first getting started.

👉 Download the free guide here and let’s start the conversation.

Because the only thing standing between you and the life you want is the decision to take one small step forward.

Disclaimer: This is for informational purposes only and should not be considered investment advice. Past performance is not indicative of future results. All investments carry risk, and nothing here should be construed as an offer to sell or a solicitation to invest. Please consult with your own financial, legal, or tax advisor before making any investment decisions.