Strength in Numbers with Marcus Crigler

Marcus Crigler

Strength in Numbers with Marcus Crigler is the #1 podcast for real estate entrepreneurs who make good money but struggle with cash flow, tax planning, and building real wealth. If you're tired of living deal to deal, wondering where your money goes, and paying too much in taxes, this show will transform how you manage your real estate business finances.Host Marcus Crigler, CEO of BEC CFO Services, helps real estate investors escape financial stress by implementing proven wealth-building systems, advanced tax strategies, and cash flow management techniques that turn chaotic finances into predictable profit machines.Real estate wholesalers, fix and flip investors, and rental property owners making six or seven figures but still living paycheck to paycheck will discover how to stop constantly chasing the next deal. If you're overwhelmed by bookkeeping, financial management, and paying massive tax bills without knowing how to reduce them legally, you're ready to stop surviving and start building generational wealth.Every episode delivers actionable strategies on real estate tax planning, business cash flow optimization, wealth building for entrepreneurs, and financial systems that create freedom. Learn real estate tax deductions, legal tax avoidance strategies, cash flow forecasting, business budgeting for real estate investors, profit and loss analysis, entity structuring for tax benefits, and wealth building strategies beyond closing deals.Most real estate entrepreneurs focus on deal flow but ignore money flow. They hire accountants who only file taxes instead of providing proactive tax planning. Marcus shows you how to keep more of what you make, reduce your tax burden legally, and create financial systems that work whether you close one deal or ten deals per month.Listen to case studies of real estate investors who've saved $50K+ in taxes annually, built seven-figure net worth, and achieved financial freedom. Learn from entrepreneurs who've transformed their businesses from cash-hungry operations into wealth-generating machines.This isn't just spreadsheets and tax codes. It's about creating a real estate business that supports your lifestyle, reduces financial stress, and builds lasting wealth. Marcus addresses the mindset shifts, business systems, and financial habits that separate successful real estate entrepreneurs from those stuck in survival mode.If you like The BiggerPockets Money Podcast, Money Rahab with Nicole Lapin, The Dave Ramsey Show, or The Rich Dad Radio Show, you'll love Strength in Numbers.Subscribe now and join thousands of real estate professionals who've discovered that true wealth doesn’t come from closing more deals, but from keeping more of what you make. Stop living deal to deal. Start building wealth that lasts.

  1. 16h ago

    Episode 111: How Michael Hoang Escaped His 9-to-5 and Retired in Just 5 Years

    Retiring from a corporate nine-to-five in just five years requires shifting your mindset from trading time for wages to acquiring appreciating, cash-flowing assets. In this episode, Marcus Crigler sits down with real estate investor Michael Hoang to discuss how he scaled past 200 doors and achieved financial freedom in his thirties after realizing that corporate ladders never truly hand over wealth. Michael shares how house hacking his first large home allowed him to live for free while funneling savings into real estate and the S&P 500. You will also learn why 2026 is an ideal equity season for buy-and-hold investing, why chasing multi-family or land flipping blindly can derail your goals, and how getting 1% better every day compounds into massive, life-changing financial freedom over a decade. Listen and enjoy the show! You’ll Learn How To: Shift your wealth-building philosophy from relying on earned job income to owning cash-flowing real estate assets.House hack your living situation by renting out rooms to cover your entire mortgage and live for free.Capitalize on current market conditions by treating periods of high inventory as an equity season for buy-and-hold acquisitions.Leverage short-term cash strategies like wholesaling or flipping to build the capital needed for long-term asset accumulation.Stop waiting for a market crash and instead focus on asset-agnostic opportunities where the real estate numbers work.Compound your personal growth and financial literacy by focusing on getting 1% better every single day. What You’ll Learn in This Episode: (1:43) Why a corporate telecom career and going public failed to deliver on financial promises (4:12) The magic of rental property math: Earning equity and cash flow from day one (7:05) How house hacking a large home by renting rooms eliminated housing expenses entirely (11:16) Breaking free from the trap of a good life to pursue true financial independence (16:21) Why 2026 is an equity season for buy-and-hold investors rather than fix-and-flippers (22:31) The 1% rule and how small daily improvements compound into financial freedom over a decade Who This Episode Is For: Corporate nine-to-five professionals who feel stuck in a ceiling and want a clear roadmap to early retirement through real estate.Real estate investors looking to transition from active cash generation into long-term asset accumulation and equity building. Why You Should Listen:  Jobs pay your bills, but owning assets builds generational wealth. This episode provides an inspiring blueprint of how a non-degree corporate worker used house hacking, disciplined saving, and strategic real estate investing to retire in just five years, proving that financial freedom is a decade or less away if you focus on the right vehicle. Connect with Michael Hoang: Instagram: Michael Hoang Connect with Marcus Crigler: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

  2. 4d ago

    Episode 110: He Built a Real Estate Business in 34 States While Serving in the Marines

    Balancing an active-duty military career with building a nationwide real estate business requires ruthless systems, automation, and elite decision-making frameworks. In this episode, Marcus Crigler sits down with Marine Corps veteran Keith Gillespie to discuss how he scaled a multi-state real estate operation while being deployed 13 times overseas. Keith breaks down the OODA Loop (Observe, Orient, Decide, Act), a military framework that eliminates analysis paralysis and accelerates entrepreneurial problem-solving. You will also learn why paying for 57 different mentors shortcuts his learning curve, how to properly vet a business coach based on how well they diagnose your constraints, and why investing heavily in customer support is the ultimate key to a successful B2B or coaching business. Listen and enjoy the show! You’ll Learn How To: Apply the military OODA Loop (Observe, Orient, Decide, Act) to make fast, high-stakes decisions in your real estate business.Avoid analysis paralysis by shortening the gap between gathering market feedback and taking decisive action.Vetted business coaches by evaluating whether they truly understand your point of origination, destination, and core constraints.Shortcut your learning curve and avoid expensive stupid tax by investing in mentors who have already walked the path.Build a scalable B2B or coaching model by allocating over 50% of your resources directly to customer support and experience.Map out your 10-year, 3-year, and quarterly goals to align your daily actions with your ultimate vision. What You’ll Learn in This Episode: (4:05) Why military veterans thrive in real estate through fast information processing (13:21) Breaking down the OODA Loop, by knowing how to observe, orient, decide, and act without freezing up (22:42) Why paying 57 different coaches saved him years of trial and error (26:07) Why customer support and client experience are the ultimate pillars of a successful business (27:43) How to find the right mentor by studying what they have done rather than what they are doing now (6:51) The power of beginning with the end in mind and tracking your P&L on a weekly basis Who This Episode Is For: Real estate entrepreneurs who feel stuck in analysis paralysis and need a systematic framework for making faster decisions.Business owners, who are looking to scale through automation, delegation, and strategic mentorship. Why You Should Listen: If an active-duty Marine can build a real estate business across 34 states while working just one hour a day on deployment, anyone can build a systemized company with the right frameworks. This episode delivers masterclass insights on decision-making, speed of execution, and the true value of investing in high-level mentorship. Connect with Keith Gillespie: REI Automated Website: REI AutomatedFacebook: Keith Gillespie Connect with Marcus Crigler: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

  3. Oct 27

    Episode 109: He Paid $380,000 in Taxes Without a Single Tax Strategy

    Failing to implement a proactive tax strategy before your business begins generating massive revenue guarantees that you will overpay the IRS by hundreds of thousands of dollars. In this episode, Marcus Crigler and Kaden Hackney break down their foundational "Entrepreneur Tax Strategies", the exact entry-level system they use to shelter income and build wealth for real estate investors before advancing to high-level tax planning. Kaden details the multi-layered filter required to correctly set S-Corp compensation, explaining how your W-2 wage directly dictates your ability to max out Solo 401(k) contributions and unlock the 20% Qualified Business Income (QBI) deduction. You will also learn the IRS-compliant rules for hiring your children, how to utilize the Augusta Rule to rent your home to your business tax-free, and why paying state taxes through your S-Corp bypasses the $10,000 federal deduction cap. You’ll Learn How To: Optimize your S-Corp wages to satisfy IRS reasonable compensation rules while maximizing your tax deductions.Set your W-2 salary precisely to max out your $72,000 Solo 401(k) retirement contributions.Adjust your S-Corp payroll to ensure high-earning businesses do not lose the 20% Qualified Business Income (QBI) deduction.Hire your children legally (ages 8+) to shift up to $16,100 of income into their tax-free standard deduction.Utilize the Augusta Rule to legally rent your primary residence to your business for 14 days completely tax-free.Execute a Pass-Through Entity (PTE) tax election to bypass the $10,000 federal cap on state tax deductions. What You’ll Learn in This Episode: (5:51) Why waiting until you are making millions to implement a tax strategy destroys your wealth (12:25) The S-Corp Compensation Filters (Balancing compliance, retirement accounts, and QBI) (15:23) How your S-Corp wages dictate your Qualified Business Income (QBI) deduction limit (19:41) The IRS rules and documentation required to legally hire your children and avoid tax fraud (23:44) How to shift $16,100 of income to your child tax-free and fund their Roth IRA (26:04) Utilizing the Augusta Rule, home office deductions, and Pass-Through Entity (PTE) tax elections Who This Episode Is For: Real estate entrepreneurs and business owners operating as an S-Corp who want to optimize their payroll and deductions.High-earning investors looking to implement foundational tax strategies before getting hit with massive IRS bills. Why You Should Listen:  Paying $380,000 in taxes because you did not know the rules is a completely avoidable wealth killer. This episode provides the exact foundational tax strategies required to keep your cash flow in your pocket, optimize your S-Corp structure, and lay the groundwork for massive, tax-sheltered wealth building. Connect with Marcus Crigler & Kaden Hackney: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

  4. Oct 23

    Episode 108: Your Rentals Made You Rich on Paper but Where’s the Cash Flow with Wood Speed

    Many real estate investors have accumulated massive equity through recent property appreciation, only to find their actual monthly cash flow wiped out by skyrocketing taxes, doubling insurance premiums, and unpredictable maintenance costs. Being rich on paper does not pay the bills when your rental portfolio barely breaks even, and traditionally, selling the properties meant triggering massive capital gains taxes. Marcus Crigler sits down with Wood Speed, a multi-generational real estate entrepreneur and the head of the Rental Conversion Program at Colonial Funding. Wood details exactly how landlords can transition from fixing toilets to acting as the bank by seller financing their underperforming rental properties. He explains how to underwrite borrowers to Non-QM standards to ensure your note is a sellable asset, how to increase your return on equity from 4% up to 10%, and how to maintain liquidity by either selling your note on the secondary market or using it as collateral for a line of credit. You’ll Learn How To: Transition your real estate portfolio from traditional landlord models to highly profitable seller-financed notes.Evaluate your current rental Return on Equity (ROE) to determine if seller financing will increase your cash flow.Underwrite your seller-financed buyers to Non-QM standards to ensure Dodd-Frank compliance and note sellability.Maintain liquidity by selling your newly created mortgage notes on the secondary market or borrowing against them. What You’ll Learn in This Episode: (4:02) Wood’s multi-generational history of pivoting from traditional landlording to seller financing (8:44) Why massive property appreciation is destroying landlord cash flow through hidden taxes and insurance (13:37) How to sell an encumbered property without triggering Due-on-Sale clauses (17:48) Why a 10% yield on a seller-financed note beats a 4% cap rate on a rental (23:00) Why the Mortgage Credit Availability Index drop created prime seller-finance buyers (29:29) How to create liquidity without selling the property by borrowing against your newly created mortgage notes Who This Episode Is For: Real estate landlords experiencing shrinking profit margins despite massive portfolio appreciation.Investors looking for alternative exit strategies to cash out their equity without triggering immediate tax liabilities. Why You Should Listen: If your rental portfolio looks great on a balance sheet but generates zero actual cash flow after taxes and maintenance, this episode offers a proven exit strategy. You will learn how to turn dead equity into a consistent, passive 10% yield by acting as the bank, entirely eliminating the headaches of property management while maintaining your liquidity. Connect with Wood Speed: Colonial Funding: Colonialfunding.com Connect with Marcus Crigler: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

  5. Oct 20

    Episode 107: The Bigger Your Real Estate Business Gets, the LESS Profitable It Can Become

    Many real estate entrepreneurs celebrate record top-line revenue, only to find less cash left in their bank account at the end of the month. Scaling transaction volume without financial discipline inevitably leads to ballooning overhead, unchecked marketing waste, and compressed profit margins. In this episode of Strength in Numbers, Marcus Crigler and co-host Kaden Hackney introduce the "NOI Rhythm", a proven operational framework designed to protect and grow your Net Operating Income (NOI) percentage as your business expands. They break company expenses into three distinct buckets, Marketing & Advertising, General & Administrative (G&A), and Human Capital, and assign each a specific review cadence. You will learn how to evaluate monthly marketing spend by channel to reallocate dollars toward winning campaigns, how to conduct quarterly vendor audits to eliminate software bloat and renegotiate pricing, and why Q4 is the critical window to align employee compensation with company financial targets. You’ll Learn How To: Protect and grow your Net Operating Income (NOI) percentage rather than chasing empty top-line revenue.Track monthly marketing return trends across individual channels to optimize ad budget allocations.Audit General & Administrative (G&A) expenses each quarter to cancel unused subscriptions and renegotiate vendor rates.Plan annual team compensation models and Q4 budgets that tie employee performance directly to company profitability. What You’ll Learn in This Episode: (2:21) The Profit Dilemma and why scaling top-line revenue often leads to shrinking take-home cash (7:34) Organizing business overhead into three core buckets (Marketing, G&A, and Human Capital) (11:05) The Monthly Rhythm and evaluating marketing spend trends and cost-per-channel metrics (15:37) The Quarterly Rhythm and auditing vendor lists, scrubbing subscriptions, and renegotiating contractor fees (18:43) The Annual Rhythm and restructuring team compensation plans and establishing Q4 budgets (24:10) Why scheduling non-negotiable financial reviews separates true entrepreneurs from gamblers Who This Episode Is For: Real estate wholesalers, flippers, and operators experiencing rising revenues alongside shrinking take-home profits.Real estate business owners looking for a systematic, predictable rhythm to manage overhead, vendor contracts, and payroll. Why You Should Listen: Scaling deal volume without an operational financial rhythm is a fast track to working harder for less profit. This episode provides an actionable roadmap to actively control expenses, maintain lean overhead, and maximize your retained wealth across every stage of business growth. Connect with Marcus Crigler: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

  6. Oct 16

    Episode 106: Why Real Estate Investors Are Buying Boring Businesses with Jon Ostenson

    While most real estate investors are exclusively focused on acquiring more doors, savvy entrepreneurs are discovering that buying boring businesses can offer higher margins, less competition, and massive tax benefits. In this episode of Strength in Numbers, Marcus Crigler sits down with Jon Ostenson, founder of FranBridge Consulting, to unpack why non-food franchising is becoming the ultimate bolt-on strategy for real estate operators. Jon explains why he strictly avoids saturated markets like food and cleaning, and instead focuses on highly fragmented, needs-based industries like insulation, dumpsters, and septic services. You will learn how to leverage the "ROBS" program to buy a business entirely with your retirement account (tax-free), how to utilize SBA loans to fund 90% of your startup costs, and why Section 179 depreciation on massive equipment fleets allows some investors to effectively launch their franchise for free. You’ll Learn How To: Diversify your portfolio by acquiring high-margin, needs-based boring businesses.Use the ROBS (Rollovers as Business Start-Ups) program to buy a franchise with your 401(k) tax-free.Maximize Section 179 depreciation to offset the SBA loan down payment on heavy-equipment franchises.Implement the semi-involved ownership model by incentivizing a dedicated operator to run the daily business. What You’ll Learn in This Episode: (0:00) Beginning of today’s episode (3:20) Why franchising offers a built-in tech stack, marketing system, and mastermind of existing owners (4:33) Why real estate investors should avoid food franchises and buy boring businesses like dumpsters or septic services (9:50) How to step back from day-to-day operations by hiring a strong operator (10:45) Typical franchise costs and how to leverage SBA loans for 80% to 90% of the initial capital (13:54) How a $200,000 investment can generate a 75% annual return (15:44) How Section 179 depreciation on massive equipment fleets can effectively fund your entire franchise down payment (18:28) How to use the ROBS program to fund 85% of your business purchase using your existing retirement account Who This Episode Is For: Real estate investors looking to diversify their income streams with high-margin, cash-flowing business acquisitions.Corporate professionals exploring entrepreneurship who want a proven playbook and tax-advantaged business model. Why You Should Listen:  Buying an existing independent business often takes years of searching and extreme due diligence. This episode reveals how partnering with a proven, non-food franchise allows you to instantly step into a fragmented market, apply professional white-collar management to a blue-collar industry, and utilize aggressive tax depreciation to accelerate your wealth. Connect with Jon Ostenson: FranBridge Consulting: franbridgeconsulting.com Connect with Marcus Crigler: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

  7. Oct 13

    Episode 105: She Manages 1,500 Properties but THIS Makes Almost Twice the Money with Kelly Stanaway

    ​Is it really worth paying 5% to 10% of your rental income to a property management company, or should you just manage your portfolio yourself? In this episode of Strength in Numbers, Marcus Crigler sits down with Kelly Stanaway, co-president of Fertig and Gordon, a firm managing over 1,500 properties in one of the most heavily regulated markets in the country, Los Angeles County. Kelly details her journey of taking over her family's property management business during the chaos of COVID-19, losing her accounting staff, and being forced to learn the granular financial operations that her father had previously ignored. ​Kelly pulls back the curtain on how a successful property management firm actually turns a profit, and it isn’t just from management fees. She explains why bringing maintenance in-house generates nearly twice the income of standard management fees and why creating cafeteria-style service options allows owners to stay involved without getting overwhelmed. You will learn the critical difference between asset management and property management, the hidden value of outsourcing habitability issues in tenant-friendly states, and why knowing your laws and your numbers is the ultimate key to surviving real estate regulations. ​You’ll Learn How To: ​Maximize revenue by treating property management as a business rather than an afterthought.​Increase your firm's income by offering in-house maintenance and repair services.​Structure cafeteria-style management contracts to help owners who only need partial operational support.​ What You’ll Learn in This Episode: ​(0:00) Beginning of today’s episode ​(2:20) How Kelly inherited and eventually bought out her family's property management business in LA County ​(3:34) Why syndicators with Limited Partners (LPs) must control both asset management and property management ​(6:51) The danger of being a CEO who ignores the day-to-day accounting numbers of their business ​(9:51) Why property management is two completely different businesses (serving people and reconciling accounting) ​(12:13) How to stop treating property management like a dime-a-dozen business and start charging for your value ​(15:53) Why bringing maintenance services in-house generates almost twice the income of standard management fees ​(18:55) The hidden cost of strict local regulations (e.g., HVAC temperature mandates, balcony inspections, and rent control) ​(20:55) Navigating rent collection and commercial delinquencies during the COVID-19 moratoriums ​(23:40) How to offer cafeteria-style property management for hands-on owners who only need partial support ​(26:10) Why paying a 5% to 10% management fee is worth avoiding a multi-million dollar tenant lawsuit ​Who This Episode Is For: ​Real estate investors deciding whether to self-manage their portfolio or hire a property management company.​Property managers looking to maximize their firm's revenue and streamline operations in highly regulated markets. ​Why You Should Listen: Property management is notoriously viewed as a dime-a-dozen industry, leading many operators to race to the bottom on pricing. This episode provides a masterclass on how to actually build a highly profitable property management business by knowing your numbers, insourcing maintenance, and providing unmatched value through regulatory expertise. ​Connect with Kelly Stanaway: ​Fertig and Gordon Companies, Inc. Website: http://fertigandgordon.com  Connect with Marcus Crigler: Website: BEC CFO & CPA​LinkedIn: Marcus Crigler​Facebook: Marcus Crigler

  8. Oct 9

    Episode 104: The Debt That Builds Wealth vs. the Debt That Keeps You Broke

    When managed correctly, debt is one of the most powerful tools for accelerating real estate wealth. When mishandled, it acts as an anchor that will capsize everything you've built. In this episode of Strength in Numbers, Marcus Crigler demystifies the polarizing topic of debt, explaining exactly when you should leverage it and when it becomes a toxic liability. Marcus introduces the Debt Matrix, a clear framework for categorizing your liabilities into productive, unproductive, necessary, and lifestyle buckets. You'll learn the difference between good debt (debt that pays for itself) and bad debt (debt that drains your net worth), and why even necessary personal debt like your mortgage or car loan is technically stunting your financial growth. Listen and enjoy the show! You’ll Learn How To: Distinguish between good debt that multiplies your net worth and bad debt that drains itUse the four-quadrant Debt Matrix to evaluate whether a new loan is actually worth the riskAvoid the trap of lifestyle debt like financing luxury watches or vacation homesEvaluate whether paying off your personal home mortgage makes sense for your current wealth stageStructure your business to avoid getting trapped in the middle-class business erosion zone What You’ll Learn in This Episode: (0:00) Why you should never take out debt to fund lifestyle purchases like a Rolex (0:39) Why debt is like a knife and a tool that creates opportunity but can quickly ruin you (1:45) The exact definition of Good Debt (and why it must be tied to income generation) (2:20) Why your personal mortgage and auto loans are technically Bad Debt (3:11) The Four Categories of Investing (Productive, Unproductive, Necessary, and Lifestyle) (4:39) Using HELOCs or home equity to fund high-risk stock trades (5:45) Why determining whether to stay lean or scale large requires custom forecasting and KPIs Who This Episode Is For: Real estate entrepreneurs trying to determine if they are over-leveraged or under-leveragedInvestors holding personal debt (mortgages, auto loans) who are unsure when to pay it offBusiness owners looking to build a structured financial plan to safely scale their operations Why You Should Listen:  Debt is the ultimate financial multiplier, it multiplies both your wins and your losses. If you are operating without a clear philosophy on when and why you take on debt, you are relying on luck rather than strategy. This episode provides a grounded, math-based framework to help you analyze every liability on your balance sheet so you can intentionally build long-term wealth without taking on unnecessary risk. Connect with Marcus Crigler: Website: BEC CFO & CPALinkedIn: Marcus CriglerFacebook: Marcus Crigler

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Strength in Numbers with Marcus Crigler is the #1 podcast for real estate entrepreneurs who make good money but struggle with cash flow, tax planning, and building real wealth. If you're tired of living deal to deal, wondering where your money goes, and paying too much in taxes, this show will transform how you manage your real estate business finances.Host Marcus Crigler, CEO of BEC CFO Services, helps real estate investors escape financial stress by implementing proven wealth-building systems, advanced tax strategies, and cash flow management techniques that turn chaotic finances into predictable profit machines.Real estate wholesalers, fix and flip investors, and rental property owners making six or seven figures but still living paycheck to paycheck will discover how to stop constantly chasing the next deal. If you're overwhelmed by bookkeeping, financial management, and paying massive tax bills without knowing how to reduce them legally, you're ready to stop surviving and start building generational wealth.Every episode delivers actionable strategies on real estate tax planning, business cash flow optimization, wealth building for entrepreneurs, and financial systems that create freedom. Learn real estate tax deductions, legal tax avoidance strategies, cash flow forecasting, business budgeting for real estate investors, profit and loss analysis, entity structuring for tax benefits, and wealth building strategies beyond closing deals.Most real estate entrepreneurs focus on deal flow but ignore money flow. They hire accountants who only file taxes instead of providing proactive tax planning. Marcus shows you how to keep more of what you make, reduce your tax burden legally, and create financial systems that work whether you close one deal or ten deals per month.Listen to case studies of real estate investors who've saved $50K+ in taxes annually, built seven-figure net worth, and achieved financial freedom. Learn from entrepreneurs who've transformed their businesses from cash-hungry operations into wealth-generating machines.This isn't just spreadsheets and tax codes. It's about creating a real estate business that supports your lifestyle, reduces financial stress, and builds lasting wealth. Marcus addresses the mindset shifts, business systems, and financial habits that separate successful real estate entrepreneurs from those stuck in survival mode.If you like The BiggerPockets Money Podcast, Money Rahab with Nicole Lapin, The Dave Ramsey Show, or The Rich Dad Radio Show, you'll love Strength in Numbers.Subscribe now and join thousands of real estate professionals who've discovered that true wealth doesn’t come from closing more deals, but from keeping more of what you make. Stop living deal to deal. Start building wealth that lasts.

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