2 Quotes this week:

"I like your style. You are very easy to work with. "

- A DSCR Loan Underwriter approving two of my files

"Some people can't fly."

- My 14 year old daughter, trying to win an argument that no one remembers how it began

Hey there {{contact.first_name}},

I like being easy to work with, and I put a lot of effort into being so.

The universe often does not return the favor. Read below about a frequent conundrum for Entrepreneurs.

As you can see from the second quote of the week, we are home to our youngest daughter, a teenager, who could be accused of arguing for no reason... if you can get past her quip that, "Some people can't fly."

Our first meeting of The Council this week also went in an entirely unexpected direction as I had to be in my vehicle in line to retrieve said 14 year old from school due to a second threat of mass violence in as many days. She is safe and sound. I am pretty rattled. Also, one of our participants had technical difficulty in having to choose between audio or video, but somehow could not use both at the same time. We eventually opted for audio.

Speaking of choices, I invite you to respond to this week's article:

Big Money, The Long Game, or Feeling Human: Pick ONE

It's a tough choice. How do you decide?

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.

A conceptual graphic comparing a business handshake with a person resting, featuring the headline 'Big Money, The Long Game, or Feeling Human: PICK ONE.

You’ve met Joe at networking events multiple times and you’ve been running in the same circles for a couple of years, but you don’t know him very well. 

You made some very insightful points in an all day Saturday class two days ago that he also happened to attend, and he was newly impressed by you. He called you this morning to discuss with you privately a deal that has landed in his lap. He thinks that you are the exact right person to partner up. Joe has shared some of the details and the project has the potential to be very lucrative, if you both work pretty hard and move quickly. You also happen to have enough capital to put into the opportunity from another deal that recently came to fruition. Unfortunately, you are super swamped catching up your financials for tax season, and you’ve recently agreed to be a volunteer leader for one of your networking groups. 

Meanwhile, you deeply valued the instruction you and Joe received on Saturday from Jan. 

She frequently teaches large groups, which you often attend. Jan also runs a highly respected Mastermind and only takes applications twice a year for very limited spots. Right now, she is laser focused on investment type Q, which has been piquing your interest. You are a committed wealth builder and you think Jan has exactly the knowledge and background to help you be very successful with investment type Q. However, it is a significant time and cash commitment. Plus, you have some misgivings about Q and you wish you had more confidence about taking the plunge. On the other hand, if you don’t apply for the Mastermind right now, you’ll have to wait at least six months before you can try again.

To complicate matters even further, you just got some of your

time back since that other project wrapped up nicely. You’ve been having weekly get-togethers with your loved ones and friends, whom you’d been missing dearly. You’ve started hitting the gym again for the first time in who knows how long. You’d been shorting yourself on good rest for a while before that project finished, but now you’re getting a solid 7 hours of sleep every night. Sometimes you even get 9 hours! You feel physically and mentally better than you have in a very long time.


If you do the deal with Joe, you can keep the volunteer role and keep going to the gym. You will probably have to reduce those weekly get-togethers to every other week, and those 9 hours-of-sleep nights are over until you wrap this deal. You’ll work really hard, and might make a lot of money. You can’t possibly take on the Mastermind with Jan if you agree to work with Joe. 

If you are accepted into the Mastermind with Jan, there are scheduled meetings and events that will be important to attend and you lose a lot of control over your schedule. After all, the whole point is to get as much concentrated time with Jan and the rest of the group as possible, right? You almost certainly have to give up the volunteer role that you just agreed to do for a year, and although you know there will be understanding, you don’t love how that’s going to look. You also know that Jan is focused right now on investment type Q and you’re not sure that’s work you’re going to enjoy doing. And what about loved ones, the gym, and that super delicious sleep?

Comparison chart showing the trade-offs between three choices: The Hustle (Joe Deal), The Growth (Jan Mastermind), and The Recharge (Self Path).
  1. The Hustle: Pass on the Mastermind with Jan and spend every moment possible working out the deal with Joe. If you take the time to thoroughly assess the opportunity with Joe you might still turn it down, and you will have already missed the deadline on the Mastermind application. 

  2. The Growth: Pass on the deal with Joe and apply for the Mastermind. Building a professional relationship with Jan takes priority over deepening a professional relationship with Joe. You’ve been around each other for years, anyway. What’s up with right now? If you get declined for the Mastermind, or they run out of spots before your application is considered, you will have already missed the chance to get in on Joe’s deal.

  3. The Recharge: Neither. You spend some time with yourself and your loved ones for a bit. After all, you’ve earned it.

  4. Something Else: What is it?

Choose Your Adventure

I want to hear from you. Which path are you taking?

Reply to this email with "JOE," "JAN," or "ME." I’ll be tallying the votes and sharing the psychological breakdown of each choice in next week’s Journal.

To be continued...

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Are you thinking of starting, expanding, or transitioning your investment real estate portfolio? Reach out to me, or check out my investment real estate financing page at the button below.

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

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Generational Prosperity. Resilient Freedom.

This has been newsletter issue 2613, published on 20260403.
View an archive at The Genius Journal.

Kristin Fleming, NMLS 804170
615.234.1236
hello@krisfleming.net

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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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