The Secret Formula That Can Change Your Real Estate Game

Hey dealmakers, let’s unlock a real estate secret weapon today.

I’m talking about a simple yet powerful formula that can help you evaluate deals, build wealth, and maybe even retire early.

It’s called:

💰 Money Now 

💰 Money Monthly 

💰 Money Later 

Catchy, right?

But this isn’t just some cool-sounding phrase.

It’s a framework that can help you make smarter investment decisions, prioritize the right deals, and avoid the costly mistakes that leave so many investors broke.

Let’s break it down.

Money Now: Instant Gratification & Quick Cash 

What it is: The upfront profit you make immediately when structuring a deal.

📌 Example: Non-refundable option fees from lease option buyers.

📌 Example: Wholesaling profits when assigning contracts.

📌 Example: Quick flips where you buy low and sell fast.

🔹 Imagine pocketing $10,000 in 30 days just for structuring the right lease option.

🔹 That’s Money Now—and it’s great, but it’s just the first piece of the puzzle.

Money Monthly: The Magic of Passive Cash Flow 

What it is: The consistent monthly income that funds your lifestyle.

📌 Example: Rental cash flow after expenses.

📌 Example: Lease option payments from tenants.

📌 Example: Seller-financed deals where buyers pay YOU monthly.

💡 Imagine an extra $2,000 per month coming in—every month—all because you worked really hard once - and this work has passive pay each month.

💡 That’s Money Monthly—and it’s what fuels your financial freedom.

Money Later: The Wealth Builder 

What it is: The long-term equity that builds wealth over time.

📌 Example: Properties appreciating in value.

📌 Example: Mortgage paydown from tenants covering your loan.

📌 Example: Seller finance deals where you profit on the back end.

💡 Think of it as your retirement fund, growing in the background. 

So how do you use this formula to evaluate deals?

Real-World Example: Two Different Deals 

Imagine you’re looking at two deals:

🏠 Deal #1: 

💰 Money Now: $7,000

💰 Money Monthly: $0

💰 Money Later: $0

⚡ Quick cash, but no long-term value. 

🏠 Deal #2: 

💰 Money Now: $10,000

💰 Money Monthly: $500

💰 Money Later: $30,000

📌 $10K upfront + $500/month for 5 years = $30K cash flow 

📌 +$30K profit at the end 

💡 Total profit? $70,000 

Which deal sounds better? The one with a short-term payout, or the one that keeps paying you over time? 

The Big Mistake Most Investors Make 

Here’s the problem—most investors only focus on Money Now.

🚨 They chase quick cash, but never build lasting wealth.

🚨 They fail to test before they invest—and lose money.

🚨 They don’t have a strategy—and burn out fast.

This is why we use the six-stage approach to test deals before going all-in. 

The 6 Stages of Real Estate Mastery 

This journey is all about learning, experimenting, and growing at a steady pace. In other words: We increase risk as we increase wisdom.

Stage 1: SLOT Deals (Sandwich Lease Option Transfer) 

✅ Risk Level: LOW

✅ Money Now: 💰💰

✅ Money Monthly: ❌ 

✅ Money Later: ❌ 

📌 Find a seller who needs to sell fast but has little equity.

📌 Get an option agreement and assign it to a buyer for a quick fee. 

📌 No ownership, no risk—just a fast payday. 

💡 This is your paid apprenticeship in real estate investing. 

Stage 2: Option Agreements 

✅ Risk Level: LOW

✅ Money Now: 💰💰💰

✅ Money Monthly: ❌ 

✅ Money Later: ❌ 

📌 Control a property without owning it. 

📌 Lock in a price below market value and sell your option to another buyer.

📌 Earn $5K–$15K per deal with zero risk (just like a Realtor).

💡 Think of it like being a realtor—but without the licenseStage 3: Rent-to-Own (Building Money Monthly) 

✅ Risk Level: MEDIUM

✅ Money Now: 💰💰💰

✅ Money Monthly: 💰💰

✅ Money Later: 💰

📌 You’re now holding properties instead of just flipping options.

📌 Tenants pay option fees upfront (Money Now).

📌 You collect rent every month (Money Monthly).

📌 If they buy, you cash out big (Money Later).

💡 This is your introduction to true passive incomeStage 4: Advanced Deal Structuring 

✅ Risk Level: MEDIUM-HIGH

✅ Money Now: 💰💰💰

✅ Money Monthly: 💰💰💰

✅ Money Later: 💰💰💰

📌 Subject-To Deals: Take over an existing mortgage.

📌 Seller Financing: The seller acts as the bank.

📌 Wraparound Mortgages: Create new financing structures.

💡 This is where you start playing chess while others are playing checkers. 

Stage 5: Confidence & Refinement 

✅ Risk Level: HIGH

✅ Money Now: 💰💰💰

✅ Money Monthly: 💰💰💰💰

✅ Money Later: 💰💰💰💰

📌 Buy larger multifamily properties.

📌 Build partnerships & raise private capital.

📌 Scale your real estate business.

💡 At this stage, you’re no longer just an investor—you’re building an empire. 

Stage 6: Passive Income & Financial Freedom 

✅ Risk Level: VERY HIGH

✅ Money Now: 💰💰💰💰💰

✅ Money Monthly: 💰💰💰💰💰

✅ Money Later: 💰💰💰💰💰

📌 You’ve built a system that runs without you. 

📌 You’re delegating tasks to property managers & teams.

📌 You’ve achieved true financial freedom. 

💡 You’re no longer working for money—money is working for you. 

Final Thoughts: What’s Your Next Step? 

✅ Understand the Money Now, Money Monthly, Money Later formula. 

✅ Test before you invest—start small, learn the ropes. 

✅ Scale wisely—don’t rush into big deals before you’re ready. 

Your real estate journey is waiting. The only question is—where do you start? 

Until next time, happy investing! 

— The Creative Real Estate Dealology Team 

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📢 Quick Poll: What’s Your Biggest Real Estate Hurdle? 

Hit reply and tell us—what’s stopping you from making Money Now, Money Monthly, and Money Later? Let’s talk!