Charles' Takeaway: The deals we have to do to make money over the next 10 years will be very different from the ones we did over the last 10 years.

In this episode of Pivotal REI, Ginny Bolling interviews Charles Covey about where the next real estate opportunities may be. Charles shares why some multifamily deals no longer work like they used to and why he is focused on build-to-rent homes, workforce housing, mobile home parks, and golf course redevelopment. He also explains how land, entitlement, and smart planning can create value before a project is built. This episode is a clear look at what may work in real estate over the next 10 years.

Charles M. Covey is an entrepreneur, investor, speaker, and real estate developer with deep roots in construction and land development. He began framing houses at 16, then went on to lead large construction projects and build multiple companies. As Managing Partner of Valorem Capital, Charles brings a practical, numbers-first view to housing, land, and business growth. His work centers on solving real-world needs through smart development, strong systems, and essential business investment.

Connect with Charles Covey:
Website: https://valoremcapital.com/
LinkedIn: https://www.linkedin.com/in/charles-covey/
Instagram: https://www.instagram.com/charlescovey/?hl=en

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

Jason's Takeaway: Use experts as much as you can.
He references Dan Sullivan's Who Not How book as perfect guidance for this.

In that same vein, you may want to reach out to Jason to have him do your underwriting since he is a full-time professional real estate underwriter. Go to Ironclad Underwriting at: https://ironcladunderwriting.com/

The deal starts with the numbers. In today’s episode, Ginny Bolling sits down with Jason Williams to talk about why strong numbers matter in real estate investing. Jason shares how to look at vacancy, payroll, property management, cap rates, and expense ratios before buying a deal. He also explains why investors should use trusted pros to check their numbers and why local market knowledge can make or break a deal. If you want to buy smarter, this episode is a simple reminder: know your numbers before you invest.

Jason Williams, Ph.D., is the founder of Ironclad Underwriting and a full-time real estate investor. With a background in chemical engineering, he brings a sharp, systems-based approach to underwriting multifamily and commercial real estate deals. Through Ironclad, Jason helps investors better understand the numbers, reduce risk, and make smarter buying decisions.

Reach out to Jason Williams:
Website: https://ironcladunderwriting.com/
LinkedIn: https://www.linkedin.com/in/jasonwilliamsphd/
Facebook: https://www.facebook.com/IroncladUnderwriting/

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

What happens when Florida’s aging population starts pointing to the next real estate opportunity? In this episode, Ginny Bolling talks with Kasie Kelson about the growing demand for senior housing, healthcare construction, and assisted living development across Florida. Kasie breaks down what investors, owners, and developers should think through before a project begins, including budgets, timelines, inspections, and the team behind the build. This conversation offers a grounded look at where the market is moving and why senior living is becoming a space worth watching.

Kasie Kelson is the Senior Living and Healthcare Market Manager at WELBRO Building Corporation. With more than 15 years of experience in healthcare, senior living, and commercial construction, she helps guide complex projects from early concept to completion. Kasie is known for her steady leadership, clear communication, and relationship-first approach to building spaces that serve seniors, caregivers, providers, and communities well.

Connect with Kasie Kelson:
Website: https://www.welbro.com/
Email: kkelson@welbro.com
Phone: 407-580-6339
LinkedIn: https://www.linkedin.com/in/kasie-kelson-43bab787/

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

In today’s episode of Pivotal REI, Ginny Bolling interviews Leslie Awasom about what it really takes to move from earned income to real estate ownership. Leslie shares how high-income professionals can miss powerful wealth-building opportunities when they only rely on traditional investment advice. From apartment investing and passive real estate to market timing and investor protection, this conversation offers a grounded look at how multifamily investing can open new doors for busy professionals ready to think beyond the 401(k).

Leslie Awasom is a CRNA, entrepreneur, and multifamily real estate investor who serves as COO of XSITE Capital. After building a successful healthcare career, he turned to real estate to create long-term wealth, ownership, and impact. Today, Leslie helps busy professionals, especially those in healthcare, understand how passive multifamily investing can support financial freedom and generational growth.

Reach out to Leslie Awasom:
Website: https://www.xsitecapital.com/leslie
LinkedIn: https://www.linkedin.com/in/leslie-awasom/
Facebook: https://www.facebook.com/leslie.awasom.2025/
Instagram: https://www.instagram.com/leslieawasom/?hl=en
TikTok: https://www.tiktok.com/@leslieawasom/photo/7644265991802768648

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

Easy money fades, wise money waits. In this episode, Ginny Bolling sits down with Julie Anne Peterson, Senior Director at Old Capital Lending. Julie shares what investors need to know about today’s tough lending market, especially in multifamily real estate. They talk about bridge loans, agency debt, bank loans, rent growth, and why many deals from 2021 and 2022 are now under stress. Julie explains how higher rates, lower rent growth, tight cash flow, and loan maturity dates are changing the way investors must think about debt.

She also shares why your lender is one of your biggest partners in a deal. Before you send an LOI, Julie says you need a clear T-12, rent roll, underwriting, insurance quote, tax review, and property manager feedback. Most of all, Julie reminds investors to know who they are doing business with. In this market, strong partners, smart numbers, and careful underwriting matter more than ever.

Connect to Julie Anne Peterson:
Website: https://oldcapitallending.com/our_team/julie-peterson/
Email: jpeterson@oldcapitallending.com
Network Night: https://www.zoomat8.com/
LinkedIn: https://www.linkedin.com/in/julie-anne-peterson-51a6603/
Facebook: https://www.facebook.com/JPetersonOldCapitallending/
Instagram: https://www.instagram.com/julieannepetersonoldcapital/

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

What if an old life insurance policy could open a door most people never even think to check? In today’s episode, Ginny Bolling talks with Matthew Paine for a revealing conversation about life settlements, alternative investments, and the hidden value many families may be overlooking. Matthew shares why seniors, investors, and family members should pause before canceling, surrendering, or letting a policy lapse, especially when that policy may have value in the secondary market for life insurance. From retirement planning and family conversations to non-correlated assets and long-term financial strategy, this episode sheds light on a topic that could change the way you look at life insurance.

Matthew Paine is the co-founder and Managing Director of LifeCap Holdings, LLC, where he helps institutions and family offices explore longevity-oriented investment opportunities. With more than 24 years of experience across financial services, insurance, capital markets, and alternative assets, Matthew brings a practical, education-first approach to helping people better understand life settlements and the role they can play in a broader financial strategy.

Reach out to Matthew Paine:
Website: https://www.lifecap.com/
Email: mpaine@lifecap.com
LinkedIn: https://www.linkedin.com/in/matthew-paine-a41877a/

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

In this episode of Pivotal REI, Ginny Bolling sits down with Glenn Hanson of Colony Hills Capital about the mindset behind long-term success in multifamily real estate. Glenn shares how sharp deal criteria, patient buying, and strong operating systems have shaped his approach to value-add apartments, capital raising, and market timing. From recession-resistant business thinking to the lessons learned through changing interest rates, this conversation gives investors a clear look at how experienced operators think before they move. Whether you are raising capital, reviewing multifamily deals, or waiting for the right market window, this episode offers practical insight from someone who has built, scaled, and stayed in the game.

Glenn Hanson is the Founder and CEO of Colony Hills Capital, a real estate investment firm focused on value-add multifamily communities. A seasoned entrepreneur and private investor, Glenn brings decades of business-building experience to the real estate space, with a practical focus on disciplined growth, smart operations, and investor-centered opportunities.

Connect with Glenn Hanson:
Website: https://www.colonyhillscapital.com/
Email: glenn.hanson@colonyhillscapital.com
LinkedIn: https://www.linkedin.com/in/glenn-hanson-2008b112/

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI

The opportunity behind the pullback is getting harder to ignore. In today’s episode, Ginny Bolling talks with Kyle Aho, a Michigan-based real estate investor who has spent 16 years building a hands-on real estate business through changing markets. Kyle brings a grounded view on commercial real estate, multifamily investing, affordable housing, manufactured homes, modular housing, and why market fear can create room for smart, patient investors. This episode gives listeners a practical look at what it takes to build long-term wealth in real estate when prices shift, financing tightens, and others hesitate.

Kyle Aho is a Michigan-based real estate investor and partner at AV Housing Solutions. Since buying his first duplex at 18, Kyle has built a career around improving housing, strengthening local communities, and creating practical real estate solutions in Michigan’s Upper Peninsula. Alongside his wife and team, he has helped rebuild more than 250 homes and continues to focus on quality housing for working families.

Reach out to Kyle Aho:
Website: https://avhousingsolutions.com/
IG: https://www.instagram.com/fixeryoopers/
LinkedIn: https://www.linkedin.com/in/kyle-aho-5623092ba/

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Connect with Ginny Bolling on LinkedIn https://www.linkedin.com/in/ginnybolling

Pivot to Prosperity is a podcast that is sponsored by Pivotal Real Estate Investments, which focuses on helping investors build wealth and income through commercial real estate that improves communities. To learn more, visit www.PivotalREILLC.com

Subscribe on your favorite podcast app so you never miss an episode.

To watch other episodes, go to https://www.youtube.com/@PivotalREI