The Multifamily Real Estate Experiment Podcast

Hutch the Marine Investor and Dr. Heath Jones
  • 5.0 (70)
  • Investing
  • Updated Semiweekly

“Multifamily Real Estate Investing for the Career Professional.” Join Shelon "Hutch The Marine Investor" Hutchinson who talks to military veterans and real estate professionals about the results of their journey and multifamily real estate experiments. Each week, Hutch discusses Multifamily Real Estate Investing for Career Professionals and military veterans to help you build wealth and financial independence. Questions about Multifamily real estate investing are systematically dissected as your host works through observations and data to answer the week's question. 

  1. May 23

    MFREE 127 Full Episode with Will Harvey: How Do Disciplined Investors Decide Where Their Capital Goes?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! Host Shalon “Hutch” Hutchinson interviews Will Harvey about disciplined capital allocation in real estate and why “you make money when you buy, not when you sell,” emphasizing margin of safety, patience, and avoiding big losers through conservative underwriting and clear exit strategies. Will shares his path from the mortgage business (starting in 2015) to rentals, passive multifamily syndication investing for bonus depreciation benefits, house flipping, and ultimately focusing on the finance side through hard money lending after a low-risk first-lien loan opportunity. He explains hard money basics (1–5 points upfront and ~11–13% interest), the importance of recycling capital, and outlines a forthcoming tiered 506(c) fund targeting ~8.5%–10% returns structured as notes with 1099s instead of K-1s. They discuss accredited investor criteria, DSCR loans for BRRRR exits, self-directed IRAs, and diversification misconceptions. 00:00 Capital Allocation Intro 00:52 Make Money When You Buy 02:30 Breaking Even Lessons 02:55 Market Cycle Pain Story 03:40 Government Incentives Matter 05:36 Money Competes With Itself 06:36 Patience and Fat Pitches 07:56 Will's Real Estate Journey 10:30 Pivot Into Hard Money 11:39 Hard Money Basics Explained 12:42 Points and Interest Rates 14:28 Accredited Investor Breakdown 16:22 Fund Returns and Structure 17:58 1099 vs K1 Simplicity 19:06 Liquidity and Tax Reality 19:53 Self Directed IRA Taxes 21:33 Taking Control of 401k 23:36 Ideal Borrowers Today 24:56 BRRRR and DSCR Loans 27:36 DSCR Rules and Seasoning 31:53 Avoiding Exit Strategy Mistakes 34:40 Conservative Underwriting Tips 36:07 Rapid Fire Personal Questions 37:07 Diversification Misunderstood 38:52 Success Values and Giving 40:57 Contact Info and Wrap Up *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    42 min

  2. Season 3, Episode 127 Trailer

    MFREE 127 Trailer # 5 with Will Harvey: What Can a Tough Real Estate Lesson Teach You About Ownership?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! In this part of the conversation, Hutch shares a personal lesson from selling a property during a difficult market cycle. What looked like a painful real estate experience at the time ended up teaching him something bigger: real estate has always played an important role in how families, investors, and even the government think about long-term stability. 🏡 Hutch talks about navigating the cost of selling, using savings, capital from the stock market, and support programs available during that season to get through the situation. The lesson was not just about one house. It was about understanding that real estate is connected to policy, taxes, incentives, mobility, family decisions, and long-term wealth planning. That realization helped Hutch pay closer attention to how real estate could fit into the bigger picture of an investment portfolio. 🧠 Will agrees and points to the tax advantages and incentives that often exist around real estate investing. For veterans, small business owners, and investors, this is a reminder that hard lessons can become turning points when you slow down and study what the experience is teaching you. Sometimes the deal that hurts your pocket can sharpen your perspective. 🎯 #RealEstateInvesting #InvestorMindset #WealthBuilding *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    1 min

  3. Season 3, Episode 127 Trailer

    MFREE 127 Trailer # 4 with Will Harvey: Do You Know Your Exit Before You Enter the Deal?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! In this part of the conversation, Will Harvey III breaks down one of the biggest mistakes he sees newer borrowers and investors make: they do not think clearly enough about their exit strategy. A lot of people focus on the upside. They think about the profit, the best-case scenario, and how well the deal could go. But Will reminds us that disciplined investors need to spend more time studying the downside. 📉 Because the upside can take care of itself when you buy right, execute well, and stay disciplined. The real danger is putting yourself in a position where one mistake can damage the whole deal. Will connects this to a lesson from football: before you can win, you have to learn how not to lose. That means avoiding the mental errors, preparing properly, understanding the numbers, and making sure your analysis is solid before you move. 🏈 Whether it is a flip, rental, multifamily property, or commercial deal, the principle stays the same: Do the work on the front end.  Know your exit.  Protect the downside.  Do not make yourself lose. 🎯 #InvestorMindset #RealEstateInvesting #WealthBuilding *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    1 min

  4. Season 3, Episode 127 Trailer

    MFREE 127 Trailer # 3 with Will Harvey: Are You Investing With Patience or Pressure?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! In this part of the conversation, Will Harvey III shares a lesson that came from experience: sometimes the mistake is not a bad deal — it is talking yourself into an okay deal because nothing else is happening. He breaks down the idea of waiting for the “fat pitch,” a lesson often connected to Warren Buffett’s investing mindset. In baseball, you eventually have to swing. But in investing, you do not have to move just because opportunities are passing by. ⚾ You can let deal after deal go by until the right one shows up. That takes patience. It also takes discipline. Hutch and Will connect this back to capital allocation and investor mindset. Not every deal is supposed to be a home run, and not every opportunity deserves your attention. Sometimes the strongest move is to wait, stay clear, and avoid forcing a decision just because you feel like you should be doing something. 🧠 Disciplined investors do not chase every pitch. They wait for alignment, protect the downside, and move when the opportunity actually makes sense. 🎯 #InvestorMindset #RealEstateInvesting #WealthBuilding *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    1 min

  5. Season 3, Episode 127 Trailer

    MFREE 127 Trailer # 2 with Will Harvey: Are You Building Wealth With Purpose or Just Motion?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! In this section of the podcast, Hutch brings Will Harvey III into the focus round — a faster, more personal part of the conversation where the answers go beyond just real estate. Will talks about family, faith, sobriety, storytelling, diversification, and what success looks like today. One of the biggest takeaways is that success is not only about analyzing deals or finding the next opportunity. It is also about being present with your family, knowing what matters, and using your skills with purpose. 👨‍👩‍👧‍👦 The conversation also touches on how investors think about diversification. Will challenges the idea that being spread across things you do not understand is always smart. Sometimes discipline means being patient, doing the research, and waiting for the right opportunity instead of chasing every option in front of you. For Hutch, that connects back to a bigger principle: opportunities are always around, but not all of them deserve your attention or your capital. Clarity helps you align your money, your time, and your decisions with the life you are actually trying to build. 🧠🏢 #InvestorMindset #LeadershipMindset #RealEstateInvesting *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    1 min

  6. Season 3, Episode 127 Trailer

    MFREE 127 Trailer # 1 with Will Harvey: Can the Right Buy Protect You From the Wrong Market?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! “You make money when you buy, not when you sell.” 💰 In this episode, Hutch asks Will Harvey III about the quote or mantra that guides the way he makes decisions in real estate. Will’s answer points to one of the most important lessons in investing: the price you pay matters. When you buy with discipline, you create a margin of safety. That margin can help protect you when the market shifts, repair costs run higher than expected, contractors miss the mark, or the deal does not go exactly according to plan. 🧠 Will shares that even during his house-flipping days, the main focus was buying right. They made mistakes in other areas, but because they stayed disciplined on the purchase, they were able to protect the deal. That is a leadership lesson too. You do not win by chasing every opportunity. You win by making clear decisions before pressure shows up. Disciplined investors protect the downside first, then let the upside take care of itself. 🎯 #RealEstateInvesting #InvestorMindset #PassiveInvesting *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    1 min

  7. May 2

    MFREE 126 Full Episode with Ryan Gibson: Are You Reading the Flight Plan or Guessing the Destination?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! Host Shalon “Hutch” Hutchinson interviews Ryan, former commercial pilot and now CIO at Spartan Investment Group, on how elite investors think about risk using aviation principles like checklists and the ability to “set the parking brake” and walk away. Ryan describes transitioning from airline flying and single-family rentals to building a self-storage platform with about $1B in acquisitions and becoming the 29th largest operator, driven by better “ROI on life” and a desire to help high-income professionals invest passively. They discuss Spartan’s 700-item due diligence checklist, key passive-investor risks (especially supply/demand and debt), why projected high returns can underperform, and a diversification framework (10/30/30/30). Ryan explains managing downturns by renegotiating expenses, adding revenue streams, and using local “marketing energy,” plus technology and AI for extended hours, investor reporting, and AI call handling. 00:00 Elite Risk Mindset 01:19 Pilot Rule Buck Stops Here 02:53 Flying Bug and Family Trips 03:32 From Cockpit to Capital 06:13 Why Self Storage Clicked 07:37 ROI on Life Explained 10:56 Due Diligence Checklists 14:11 Passive Investor Risk Focus 17:51 Diversification 10 30 30 30 19:56 Concentration vs Diversified 22:10 Decisions Under Pressure 22:50 Cut Costs Backstage 24:29 Protect Frontstage Service 24:49 Scrappy New Revenue 25:09 Marketing Energy Playbook 26:24 Spartan Brand Origins 27:09 Values Driven Culture 28:34 Employee Ownership Model 30:47 Tech Enabled Operations 32:26 AI Reporting And Calls 34:27 Education People Action 35:51 Focus Round Rapid Fire 38:11 Communicate With LPs 39:29 Debt Risk Explained 40:33 Defining Success Today 41:34 Connect And Closing *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    43 min

  8. Season 3, Episode 126 Trailer

    MFREE 126 Trailer # 5 with Ryan Gibson: Are You Buying Assets or Buying Responsibilities?

    Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support! A lot of people hear the word passive and think it means hands-off. But Ryan Gibson challenges that idea in this conversation. 🧠 In this episode Hutch and Ryan talk about the difference between owning real estate and truly investing passively. Ryan explains that even assets people often call “hands-off” can still require decisions, calls, capital, and mental energy. You may still have to manage the property manager. You may still have to make tough decisions. You may still have to step away from family time to handle the next issue. 📞 And at that point, the question becomes: Is this really passive, or did you just create another active responsibility? Hutch connects this back to something many investors eventually learn — it is not just about what an asset produces. It is also about what it requires from your life. ⏳ Time, energy, attention, risk, and family bandwidth all matter. This part of the conversation is a reminder to look beyond the surface and ask better questions before choosing an investment path. Because ownership should be intentional. And your strategy should support the life you are trying to build — not quietly pull you away from it. 🏢💭 #PassiveInvesting #RealEstateInvesting #InvestorMindset *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Thank you to all of our listeners!!! We would love to hear from you!!! Email me at: hutch@hsquaredcapital.com *=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=* Visit our website to find out more: www.hsquaredcapital.com Join our Facebook Group: The Multifamily Real Estate Experiment Follow us on Instagram: @hutchthemarineinvestor

    1 min
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“Multifamily Real Estate Investing for the Career Professional.” Join Shelon "Hutch The Marine Investor" Hutchinson who talks to military veterans and real estate professionals about the results of their journey and multifamily real estate experiments. Each week, Hutch discusses Multifamily Real Estate Investing for Career Professionals and military veterans to help you build wealth and financial independence. Questions about Multifamily real estate investing are systematically dissected as your host works through observations and data to answer the week's question. 

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