Tools You're Not Using Even Though You're Paying for Them

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Equity Audits, 17 Business Entities, and Tools You're Not Using Even Though You're Paying for Them

Yesterday I closed a DSCR loan on a non-warrantable condo that other lenders had turned down. I found a way over, under, around, and through the problem. If you'd like a deeper understanding of condo warrantability and why it's important for investors, take a look at this article from January 25th.

There's scientific evidence that you should be doing what you love to make more money. See below for this week's article, "17 Business Tax Returns and Why I Cultivate Genius."

Our monthly Speak & Scale Workshop is next Friday in Freya's Arbor. Confident communication is a tremendous piece of the success puzzle. We practice with each other so we can do it well when it counts! Get more information below.

And I am still looking for your responses regarding how you see yourself! Do you accept the SBA's title of "Very Small Business" Owner or "Micro Enterprise" Operator? I don't. My business and I are fully robust and human sized; not very small or micro. I am adopting "Concentrated Enterprise Owner – CEO." I'd love to hear what you think! The pill is exactly two questions. Click on the button below.

2 Question Poll for Entrepreneurs

In DSCR lending I have lately been asked to help property owners evaluate shifting equity between properties and reducing interest rates for overall monthly cashflow. If you have multiple rental properties that are leveraged, let's assess potential improvement for your bottom line.

How can I support your current efforts?

All my best,
-- Kris 🌱🫶

Though I am not necessarily opposed to AI generated content, please know that I personally write every word of my articles except where specifically noted.

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A gentleman reached out to me recently to connect and build a business relationship, as we are prone to do. As we talked, I found myself sharing a part of my story, and I realized that you may not be aware of how—and why—this journey began.

I founded The Genius Cultivator for two primary reasons: one rooted in the science of prosperity, and the other born from the administrative fires of running too many businesses at once.

1. The Neuroscience of Prosperity

I am an armchair student of neuroscience and wealth. I have spent years looking at research that indicates clearly that humans are both happier and significantly more prosperous when they have the opportunity to spend as much time as possible in their personal "Zones of Genius"—doing the things they are uniquely wired to do best. Their work happens with greater depth, breadth, and quality. Efficiency skyrockets, and compensation naturally follows.

The Genius Cultivator is not named so because I am the genius, but because YOU are. My mission is to help entrepreneurs achieve clarity around their best work, then prune, delegate, or automate the extraneous. I help you grow the genius that is innate in you so that you can achieve prosperity and freedom. And I know it’s there because it is in everyone, despite the many objections I have heard from business owners that they are not a genius in any way– and then we find it together.

2. The "17 Entities" Reckoning

From a personal standpoint, I was overwhelmed. There was a year in which I filed tax returns for 17 different business entities. To put it mildly, I did not enjoy that. Keeping up with all of these businesses ate up tremendous chunks of my time, the administration and bookkeeping was incredibly expensive, and it kept me away from my own Zones of Genius for far too long. The burden of filing all of those tax returns forced me to analyze why I had accumulated 17 different businesses.

They had grown organically over time, each with a different business partner. I realized that while I didn't love the paperwork, I did love the chaos of structuring them. I thrive on:

  • Developing standard procedures and databases.

  • Fleshing out raw ideas and bringing them to life.

  • Navigating transition periods—whether growth, rebranding, or transfer of ownership.

These are the parts of business that most people hate, but I love them like my Labrador retriever loves the water – just try and keep us away! In fact, I am right now working on two DSCR loans for a business that still has my name on the original federal EIN letter from when I formed the company years ago. I’ve done this enough times that I keep a standard letter of explanation ready for underwriters to show I was once a member and have since exited. (Note: my former business partners still want to work with me, so that’s nice.)

Professionalizing the Pivot

I eventually asked myself: “What if I had one business that helped other owners do the parts they struggle with, but I love?” But I didn't want to just "hang a shingle" and call myself a coach. Literally anyone can call themselves a coach and take your money. I wanted my clients to have confidence that they were spending their resources with someone who was qualified and independently certified by an accredited organization. I spent nine months earning multiple certifications in coaching, and specializing in Entrepreneurs, before officially launching The Genius Cultivator.

Embracing the "Weird"

I mentioned earlier that I study neuroscience as a hobbyist. This interest stems from the fact that I have always known I am "different." Throughout my life, I’ve been called "weird." Even recently, as an adult, I have encountered people who seemed to want me to be apologetic for my differences.

I like who I am. While I strive to improve certain things about myself—to be healthier (I finally quit smoking!), to be more compassionate, and a better citizen—changing my "weirdness" is not on the list. In 2023, I first heard the term "Neurodivergent." The Cleveland Clinic defines it as:

"Neurodivergent describes people whose brains function, learn, and process information differently than what is considered typical (neurotypical). It is a non-medical umbrella term for conditions like Autism, ADHD, Dyslexia, and OCD, emphasizing natural neurological variation rather than deficits. It highlights unique strengths such as creativity, hyperfocus, and innovative thinking." [emphasis added]

I pursued self-employment largely because I couldn’t fit into the mold required by traditional employers. I didn’t even realize how unhappy I’d been until I quit trying to contort myself to conform, and I wasn’t unhappy anymore.

Some studies suggest that the incidence of neurodivergence among entrepreneurs is 7 to 10 times that of the general population. I suspect this is because so many of us aren’t allowed to work in ways that suit us, so we build our own work.

Support for Your Effort

Most small businesses fail not because their quality is poor, but because their management is overwhelming.

The Genius Cultivator exists because I can’t be the only one. In fact, I know to my bones that I am not. I am here to help you succeed in ways designed to optimize your innate zones of genius. I support building your business to “fit,” so that you achieve financial prosperity and a life you want to live. This is absolutely, 100% not more hustle. This is coaching and insight for those of us who have the courage to step away from the mold and build work that actually serves us. You are not the only one and you don’t have to figure it out alone.

How can I support your current efforts?

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What I'm learning right now...

I've been telling you about the Google scholarship opportunities for small business owners through Coursera. As of this writing, I have completed a total of 5 Google certifications for free, and if you are already paying for Google Workspace, I promise you that there are a ton of tools that will make your life easier and more efficient, and you don't even know you have them. You're already paying for them! Either take the courses yourself, or set up some time with me to help you utilize what's at your fingertips.

Below are my latest two certificates. I really do enjoy the metaphorical gold stars.

Book a Complimentary Discovery Call
Google Course Certificate awarded to Kristin Fleming for completing 'AI for Writing and Communicating,' issued through Coursera.
Google Course Certificate awarded to Kristin Fleming for completing 'AI for Research and Insights,' issued through Coursera

Visit Freya’s Arbor: A curated community and resource vault for women entrepreneurs

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We provide the strategic vault and the high-level sisterhood to help you scale your revenue without sacrificing your soul.

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Next Friday, March 13th

This month's topic -- Objection Mastery: Turn pushback into progress using the "Acknowledge, Empathize, Reframe" method to successfully overcome common resistance. Register to attend.
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Improving Monthly Cashflow

Have taxes and insurance increased and you'd like to improve monthly cashflow? I've been doing equity audits for several Housing Providers. I'd be happy to look at yours.

I have priced multiple refinances this week, some of them cash out, at 5.875% to 6.25% at par rates. If your investment real estate mortgage is in the 7s or higher, or is not on a 30 year fixed rate, we should probably talk.

If you're not sure what "Par Rate," means, have a quick look at this article from the The Genius Journal.

NMLS ID: 71640 Licensed States: AL | AK | AR | AZ | CA | CO | CT | DC | DE | FL | GA | IA | ID | IL | IN | KS | KY | LA | MA | MD | ME | MI | MN | MT | NC | NE | NH | NJ | NM | NV | OH | OK | OR | PA | RI | SC | TN | TX | UT | VA | WA | WI | WY

Do you have questions about DSCR loans or want a quote? Email me at hello@krisfleming.net, or click below.

DSCR Information

Generational Prosperity. Resilient Freedom.

This has been newsletter issue 2609, published on 20260306
View an archive at The Genius Journal.

Kristin Fleming, NMLS 804170
615.234.1236
hello@krisfleming.net

Copyright © 2026 The Genius Cultivator LLC, All rights reserved.
Our e-mail address is: support@krisfleming.net

The content provided is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Lending provided by Oaktree Funding Corp., NMLS# 71640. AZ State MB 0920541 www.nmlsconsumeraccess.org | Not all lending products are available in all states. Kris Fleming NMLS 804170 does not engage in consumer-purpose lending of any kind and this information is intended solely for business-purpose real estate investors. Equal Housing Lender.

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