Alex is a guest on the "Show Me The Money Podcast: Unlocking Property Finance“, where he joins discussions with Marc Champ and Ro Sharma to explore his experiences with finance for his investment strategies. With years of combined experience in the real estate and financial industries, Marc and Ro bring a wealth of knowledge to the table. Their engaging discussions, in-depth interviews with industry insiders, and captivating storytelling will leave you inspired and armed with the tools you need to make informed decisions in the ever-evolving intricate landscape of property finance.

With mixed use and commercial to residential property investments and a financial services background, the episode focuses on investments in the Midlands and North East. Alex is also a co-host of PPN Brentwood.

KEY TAKEAWAYS

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  Alex believes in using property as a vehicle to achieve financial and time freedom.

  
  


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  His strategy focuses on buying commercial or mixed-use properties, splitting the titles, and converting the commercial units into residential to maximize returns.

  
  


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  The target acquisition value ranges from £100,000 to £150,000, with a minimum of two-bedroom units and a minimum yield of 25% on capital employed.

  
  


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  The corporate structure involves setting up separate SPVs for the freehold and leaseholds, with different lenders used for each property to spread the risk.

  
  


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  Leveraging commercial units can be challenging due to limited lender options and lower loan-to-value ratios, but refinancing after converting to residential can help release equity.

  
  

BEST MOMENTS

"I stumbled on it actually by, I wouldn't say accident, but I had a light bulb moment."

"What if I had 10 of these? Essentially, I wouldn't need to actually work."

"The focus has always been to leave as little money as possible so that you can build a portfolio with the same pot of cash."

"We are picking up a lot of commercial or semi or mixed-use properties."

"We're looking for like infinite yields. I mean, obviously, these are the deals whereby you put all your money out and you have nothing invested and they are fully mortgaged."

VALUABLE RESOURCES
Business, Wealth and Mindset podcast series   

ABOUT THE GUEST

You can get in touch with Ro and Marc at ro@finuraproperty.co.uk and info@wharffinancial.co.uk.

CONTACT DETAILS
https://www.facebook.com/luciuschicco.banda
https://instagram.com/banda.lucius?igshid=NTc4MTIwNjQ2YQ==
https://youtube.com/channel/UCfYp6fQFVmMIP0rmQmXLQ4g

ABOUT THE HOST
Alex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan Chase
Alex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).
He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoring
Alex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.
Alex is also a keen traveller, cyclist, and photographer.

CONTACT METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ