Growing the Money with Rich Lennon

What if the strategy everyone praises for building wealth is quietly slowing you down once you already have it? BRRRRs are powerful. They help you buy properties, recycle capital, and build serious equity. But here’s the uncomfortable truth most investors don’t talk about: once that equity stacks up, your money can actually start working against you.In this episode, Rich Lennon joins the show to break down why BRRRRs are great at creating wealth, but terrible at growing it long term. Rich shares his personal journey from owning a large rental portfolio to stepping away from rehabs entirely and focusing on lending instead. The reason? Return on equity.You’ll Learn How To:Understand the difference between building wealth and growing wealthSpot when your return on equity is quietly shrinkingSee why infinite returns don’t last foreverReposition equity without selling everythingUse lending to make money work harder with less effortWho This Episode Is For:BRRRR investors with growing equity but slowing returnsLandlords who feel asset-rich but cash-stuckInvestors are burned out on renovations and property managementAnyone serious about scaling net worth, not just owning more doorsWhy You Should Listen:Most investors never realize when the game changes. This episode helps you see when it’s time to stop chasing more properties and start optimizing the money you already have. Rich breaks down return on equity in a way that actually makes sense, using real examples from his own portfolio so you can apply it to yours.What You’ll Learn in This Episode:[00:00] Rich’s background and how he built his rental portfolio[05:00] Why BRRRRs are great early but flawed later[10:00] The return-on-equity trap most landlords fall into[14:00] How equity growth quietly lowers your returns[17:00] The moment Rich realized his portfolio was holding him back[21:00] Why lending changed everything[26:00] How to think like a money manager, not just a landlordFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/ 

Most investors approach private capital from a position of need, believing money holds the power. In reality, the investor who can responsibly deploy capital is the most valuable person in the equation.In this episode, Andrew sits down with seasoned real estate investor and private money lender Rich Lennon to break down the mindset, mechanics, and real-world strategies behind raising and using private capital. From finding your first lender to structuring terms responsibly, Rich shares over a decade of experience on both sides of the table, borrower and lender, and explains why the operator, not the money, is the true scarcity.You’ll Learn How To:Shift your mindset so you stop chasing money and start attracting itFind private capital within your existing sphere of influenceTalk about what you do without selling or sounding desperateStructure private money deals responsibly and professionallyWho This Episode Is For:New investors are unsure how to raise private capital Experienced investors looking to scale with confidence Real estate entrepreneurs want better funding optionsAnyone who feels uncomfortable asking others for moneyWhy You Should Listen:Raising private capital isn’t about pitching; it’s about positioning. This episode breaks down why money is abundant, why skilled operators are rare, and how a simple mindset shift can completely change your ability to fund deals. Rich shares real stories, practical advice, and hard-earned lessons from both sides of the lending table.What You’ll Learn in This Episode:[00:00] Why money is abundant and skilled operators are the real scarcity[02:57] How Rich found his first deal and built momentum early[05:53] Scaling from one deal a year to multiple deals per month[10:51] Defining success and knowing when to pivot[16:33] Where private capital really comes from[17:40] How to attract private lenders without asking[24:05] Private money rates, terms, and how to negotiate[27:42] Why beginners should use hard money before private capitalFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/ 

What if working harder isn’t the answer anymore? In 2020, Rich Lennon walked away from flipping houses, managing teams, and grinding every day, and didn’t look back. Instead of chasing deals, he chose a different seat at the table. The one where the money works, and life gets a lot simpler.In this episode, Cody Hofhine sits down with Rich to talk about the exact shift that allowed him to stop flipping, start lending, and design a life around freedom, travel, and consistency. Rich breaks down how he moved from active investing to private lending, why being the bank changes everything, and how everyday investors can do the same without taking on unnecessary risk.You’ll Learn How To:Know when it’s time to stop flipping and shift strategiesTurn active income into passive returnsUnderstand why lending can be the safest seat in real estateEarn strong returns without managing propertiesBuild wealth without burning yourself outWho This Episode Is For:Investors are tired of constant deal-chasingFlippers are wondering what the next phase looks likeBusiness owners are sitting on cash and are unsure what to do with itAnyone who wants more freedom without risking their moneyWhy You Should Listen:If you’ve ever wondered what comes after flipping houses, or how people actually reach financial freedom without chaos, this episode pulls back the curtain. Rich shares what worked, what didn’t, and the mindset shift that changed everything. What You’ll Learn in This Episode:[00:00] Why Rich shut down his flipping business in 2020[03:00] The moment he realized lending was the better play[07:00] How private lending really works in plain English[11:00] Why being the bank lowers risk, not raises it[15:00] The returns Rich targets and how he protects his capital[20:00] Who private lending is and isn’t for[26:00] How lending created freedom to travel and step backFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/ 

Think your job is secure just because you’ve been there a long time? Think again. What’s happening across corporate America right now is a wake-up call for anyone still relying on a paycheck to fund their future. Loyalty doesn’t protect you. Tenure doesn’t protect you. And benefits disappear faster than most people expect.In this episode, Rich Lennon breaks down why the traditional W-2 path is far more fragile than people realize, and what you can do before it’s too late. Using real-world examples, Rich explains why counting on a job for long-term security is risky, how companies actually make decisions, and the mindset shift that helped him take control of his financial future.You’ll Learn How To:Understand why job security is mostly an illusionSee the warning signs before layoffs and cuts happenStop relying on one income sourceThink differently about retirement and long-term stabilityStart building income you actually controlWho This Episode Is For:W-2 employees worried about layoffs or job stabilityProfessionals who feel behind on retirementAnyone who wants control over their financial futureWhy You Should Listen:If you’re counting on your job to always be there, this episode will challenge that belief in the best way. Rich keeps it real and walks through why building your own income streams matters now more than ever.What You’ll Learn in This Episode:[00:00] Why recent corporate layoffs should concern every W-2 employee[01:30] The myth of long-term job security[03:00] How companies really think about payroll and profits[04:30] Why relying on one income source is dangerous[06:00] What taking control of your financial future actually looks likeFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/ 

What if your money could work harder than you do, and you only had to put in a few hours a week? Sounds unrealistic, right? That’s exactly why most people miss this strategy.In this episode, Rich Lennon joins Jay Conner on Raising Private Money to break down how Rich consistently earns 30–50% returns by arbitraging what he calls ‘lazy money’ no hype. No complicated systems. Just a simple, asset-backed approach that puts real estate and private lending together in a smart way.Rich shares how he went from flipping hundreds of homes to lending millions, why he stopped buying houses altogether, and how he now focuses on growing money instead of managing properties. If you’ve ever felt burned out by active investing or are curious how private lenders really make their money, this episode pulls back the curtain.You’ll Learn How To:Turn private money into consistent, high returnsStructure deals where your downside risk is protectedEarn lender-level profits without doing the rehab workUse real estate to grow retirement money fasterThink like a money manager instead of a house flipperWho This Episode Is For:Investors are tired of active flips and rentalsPrivate lenders looking to increase returns safelyProfessionals with capital who want passive incomeAnyone curious how money-making really worksWhy You Should Listen:You don’t need more deals; you need a better model. This episode shows how shifting from operator to lender can dramatically improve your time, lifestyle, and returns. Rich explains it in plain English, with real numbers and real examples, so you can decide if this approach fits your goals.What You’ll Learn in This Episode:[00:00] How Rich went from flipper to full-time lender[04:00] Why he stopped buying houses in 2020[07:00] How he underwrites deals in just a few hours[12:00] Using real estate, not people, to reduce risk[17:00] The simple math behind 30–50% returns[21:00] What ‘lazy money’ is and how it really works[26:00] Using self-directed IRAs to grow money fasterFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/Follow Jay Conner here:Website:https://www.jayconner.com/YouTube: https://www.youtube.com/@raisingprivatemoneyrealestateFacebook:https://www.facebook.com/jay.conner.marketingTwitter: https://twitter.com/JayConner01