From Corporate to Cash Flow

Andrea Cannon

We are Andrea Cannon and Liz Schwab, two pharmacists navigating the process of building time and financial freedom through real estate investing and lending while working our day jobs. Navigating this journey is difficult, but our podcast guests are experts in showing us how it's done. 

  1. 2d ago

    Ep. 76: From $400 to His Name to 25 Senior Co-Living Properties in One Year with Aaron Lambert

    What do you do when you get a second chance at life with only $400 to your name? For Aaron Lambert, the answer was to take action, get creative, and build a real estate business that has grown into 25 senior co-living properties in a single year. Aaron went from working as a pipe fitter in the oil industry to spending four years in prison. When he got out, he had just $400 to his name. During the pandemic, he started selling masks and COVID test kits before finding his way into real estate. Today, he specializes in independent senior co-living, a model he says offers more tenant stability than traditional room-rental strategies like PadSplit. After opening 25 establishments in the past year, he’s now expanding into new construction and group homes. In this episode of From Corporate to Cash Flow, Aaron shares how he rebuilt his life, scaled his business, and why taking action is one of the biggest keys to success in real estate. We also discuss the importance of choosing the right business partners, doing your due diligence before entering a deal, and learning from people who are already achieving the results you want. In this episode, we cover: How Aaron went from $400 to his name to building a growing real estate portfolio Why he chose senior co-living and what makes this tenant demographic different How he scaled to 25 senior co-living properties in one year His plans to expand into new construction and group homes Why choosing the right business partners can make or break a deal The importance of due diligence before committing to a partnership Why taking action beats endlessly consuming YouTube videos when you're getting started If you’re new to real estate investing, Aaron’s advice is simple: learn the basics, find people who are already doing what you want to do, and take action. You don’t have to figure everything out on your own, but you do have to get started. Tune in for a conversation about second chances, entrepreneurial grit, and building a real estate business by taking action. Connect with Aaron: https://www.facebook.com/aaron.lambert.3701779 https://www.instagram.com/aaronlambert83/ https://www.youtube.com/@aaronlambert_ 🎧 Tune in to From Corporate to Cash Flow for real-world conversations about building wealth, creating options, and designing a life beyond the traditional career path. Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 76: From $400 to His Name to 25 Senior Co-Living Properties in One Year with Aaron Lambert
  2. Oct 14

    Ep. 75: Is Your 30-Year Mortgage a Scam? The First-Lien HELOC Strategy Explained with Sean Uyehara

    Is your 30-year mortgage really the best way to pay off your home? Or could you be leaving money on the table? In this episode of *From Corporate to Cash Flow*, I’m joined by Sean Uyehara, a loan officer who specializes in first-lien HELOCs. Sean breaks down how traditional mortgages work, why homeowners often pay more in interest than principal during the early years of a 30-year loan, and how moving or refinancing every 5–7 years can reset the clock on paying down your mortgage. We also dive into an alternative that combines the features of a mortgage, checking account, and savings account: the **first-lien HELOC**. With a variable interest rate and interest calculated daily based on your outstanding balance, this strategy may offer homeowners more flexibility, access to their equity, and opportunities to recycle capital for other investments. But why not simply make extra payments toward your existing mortgage? Sean explains the potential downside of tying up cash in home equity, especially when an unexpected emergency leaves you needing liquidity and you may no longer qualify for additional financing. We also discuss whether a first-lien HELOC makes sense if you already have a low interest rate—and why your current cash flow, mortgage terms, and financial goals all matter when evaluating your options. **In this episode, we cover:** - How a traditional 30-year mortgage amortization schedule works - Why moving or refinancing can slow your progress toward paying off your home - What a first-lien HELOC is and how it differs from a traditional mortgage - How daily interest calculations and access to equity work - Why liquidity matters when deciding between paying down debt and keeping cash available - Whether a first-lien HELOC makes sense for homeowners with low existing mortgage rates - How accessing your equity could create opportunities to reinvest your capital If you're a real estate investor or homeowner looking for ways to make your money work harder, this conversation will help you think differently about your mortgage, your equity, and your overall financial strategy. *As always, a first-lien HELOC isn't the right fit for everyone. Variable rates, loan terms, fees, and your individual financial situation all matter when evaluating whether this strategy makes sense for you.* Connect with Sean: https://www.instagram.com/sean.uyehara/ https://www.tiktok.com/@sean.uyehara Tune in to From Corporate to Cash Flow for real-world conversations about building wealth, creating options, and designing a life beyond the traditional career path. Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 75: Is Your 30-Year Mortgage a Scam? The First-Lien HELOC Strategy Explained with Sean Uyehara
  3. Oct 7

    Ep. 74: How to Make Money Investing in Pre-Foreclosures (the ethical way) with Bobby Seegmiller

    What happens when you sell a successful tech company, retire, and realize you have no idea what to do with yourself? If you’re Bobby Seegmiller, aka “Bobby the Bank Whisperer,” you find your way back to real estate. On this episode of From Corporate to Cash Flow, Bobby shares how he went from working as a real estate agent nearly 30 years ago to building and selling a tech company, and eventually returning to real estate investing in the pre-foreclosure space. Today, he typically works on 5–10 properties per month, helping homeowners navigate difficult financial situations while creating win-win opportunities for investors. Bobby doesn’t sugarcoat the business. From navigating the “sob stories” that come with pre-foreclosures to protecting yourself legally and knowing when to walk away, he shares why having the right safeguards in place is essential. He also explains how working with distressed homeowners can slow down the foreclosure process and create better outcomes for sellers facing challenging circumstances. But building wealth isn’t just about the deals. Bobby challenges the idea of work-life balance, arguing that life is fluid and your business should fit into it. He’s closed deals while fishing, biking, skiing, and exploring the backcountry, proving that you can build a business without being chained to a desk. In this episode, we discuss: - The opportunities and challenges of investing in pre-foreclosures - Why protecting yourself legally is critical when working with distressed homeowners - How investors can create win-win solutions for sellers in difficult situations - Why work-life balance is a misnomer and how to build a business around the life you want - The importance of giving your W-2 job your best while still building something of your own - How developing a different way of thinking can open doors to new opportunities Interested in pre-foreclosure deals or looking for funding for your next opportunity? Bobby is open to funding deals, so reach out to connect with him and explore how you might work together. If you’re a busy professional looking to build wealth through real estate while creating more flexibility in your life, this episode is for you. Connect with Bobby: https://www.facebook.com/carsonseegmiller8 🎧 Tune in to From Corporate to Cash Flow for real-world conversations about building wealth, creating options, and designing a life beyond the traditional career path. Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 74: How to Make Money Investing in Pre-Foreclosures (the ethical way) with Bobby Seegmiller
  4. Sep 30

    Ep. 73: Why This Real Estate Investor Pivoted to Assisted Living with David Moody

    What happens when a real estate investor who has done it all, from wholesaling and fix-and-flips to private lending and glamping, stumbles into an opportunity that changes his entire business? For David Moody, that opportunity was assisted living, a niche where success depends far more on operating a business and providing quality care than simply owning real estate. In this episode of From Corporate to Cash Flow, Andrea Cannon sits down with David to discuss his winding path from traditional employment to full-time entrepreneurship and the unexpected opportunity that changed his investing strategy. David bought his first real estate investing course in his early 20s and got started with “We Buy Houses” bandit signs and a call center. When that approach didn't work out, he pivoted to rental properties and glamping while working jobs in the auto industry, financial services, and at a church. Eventually, he returned to real estate full-time, partnering with someone he met in a real estate investing community to pursue wholesaling, fix-and-flips, and private lending. But over the past year, David and his partner have shifted their focus toward assisted living. David shares why this unexpected “side quest” was worth pursuing, how to recognize when a new opportunity deserves a change in direction, and why assisted living requires a completely different mindset than traditional real estate investing. We also discuss the importance of understanding state and county regulations, their commitment to providing a high level of care, and David's goal of building the kind of retirement home he and his wife would eventually want to live in themselves. Plus, David shares a candid perspective on entrepreneurship and why working for yourself isn't necessarily the right fit for everyone. In this episode, we cover: - David's early real estate investing journey, from bandit signs to rentals and glamping - How he transitioned from traditional W-2 jobs to full-time entrepreneurship - Building a real estate partnership and exploring multiple investment strategies - Why assisted living became the opportunity worth changing course for - The difference between owning real estate and operating an assisted living business - Why self-awareness matters when deciding whether entrepreneurship is right for you - Building a business around the life you ultimately want to live Whether you're a real estate investor exploring new niches, a busy professional building wealth outside your W-2, or an entrepreneur trying to decide when to stay the course versus pursue a new opportunity, this conversation offers valuable insight into how your strategy can evolve as your goals change. Connect with David: instagram.com/davidbuysdeals youtube.com/ ⁨@DavidBuysDeals⁩  🎧 Tune in to From Corporate to Cash Flow for real-world conversations about building wealth, creating options, and designing a life beyond the traditional career path. Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 73: Why This Real Estate Investor Pivoted to Assisted Living with David Moody
  5. Sep 23

    Ep. 72: She Bought a Fix & Flip 8 Months Pregnant… With an Alligator in the Pool with Mandy Konecki

    What would happen if you stopped trying to do every real estate deal on your own?   Mandy Konecki learned that lesson firsthand.   Living in Jacksonville, Florida, Mandy got into real estate by buying a fix-and-flip sight unseen while eight months pregnant... and, because apparently that wasn’t enough excitement, there was an alligator in the pool.   From there, Mandy and her husband built a portfolio of fix-and-flips, long-term rentals, and short-term rentals. Their real estate income eventually helped her husband leave his corporate job, while their rental portfolio began supplementing Mandy’s corporate salary.   But as Mandy’s corporate career became increasingly demanding and required extensive travel and time away from her family, she realized something had to change. She eventually left her corporate job and went all-in on real estate.   One of the biggest turning points in their journey? Learning how to leverage other people’s money (OPM).   When they first started investing, Mandy and her husband assumed they had to fund every deal themselves. But if they did, they could only complete a project, wait for their capital to come back, and then start the next one, a process that could take 10 months or more.   Once they learned how to partner with other investors and leverage outside capital, the number of projects they could take on was no longer limited by the amount of money sitting in their own bank accounts.   In this episode of From Corporate to Cash Flow, Mandy shares: - How she bought her first fix-and-flip sight unseen while eight months pregnant - The real estate strategies that helped her husband leave corporate - Why relying solely on your own capital can limit your growth - How learning to leverage OPM changed the trajectory of their business - Why surrounding yourself with the right people can accelerate your success - The “gym” analogy that explains why your environment matters so much - How she uses time blocking to stay focused on income-producing activities - Why entrepreneurs need to keep their end goal in sight instead of getting trapped in the day-to-day What she’s learned from the reality that you’re always in school as an entrepreneur Mandy’s story is a great reminder that you don't have to have everything figured out before you start, you just have to keep learning, adapting, and putting yourself around people who are already doing what you want to do.   If you're a high-income professional or W-2 employee who wants to build wealth, start a side hustle, invest in real estate, or create more freedom without sacrificing the stability of your career, this episode is full of practical lessons you can apply right now.   Connect with Mandy: https://www.facebook.com/mandy.yoder.71 https://www.instagram.com/mandykonecki/?hl=en www.youtube.com/@TheKonection https://www.skool.com/real-estate-reimagined-8674/-/members   Enjoyed this episode? Subscribe to From Corporate to Cash Flow and leave a review or comment telling us your biggest takeaway.   Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 72: She Bought a Fix & Flip 8 Months Pregnant… With an Alligator in the Pool with Mandy Konecki
  6. Sep 16

    Ep. 71: The 1% Better Rule: From Apartment Manager to Full-Time Entrepreneur with Yumi Cos

    Yumi Cos has spent more than 15 years managing apartments, completed 40 real estate flips, managed a golf course, and helped turn a commercial property around from foreclosure to a valuation of more than $1 million. Now, she’s building her life around faith, finances, and freedom, and creating a business that gives her more time with her kids. In this episode of From Corporate to Cash Flow, Yumi shares the lessons she’s learned through real estate investing, entrepreneurship, partnerships, and her journey toward financial freedom. One of her biggest lessons? Don’t jump into partnerships. Date before you get married. Yumi talks about what makes a great business partner, why communication is critical, and why she looks for “go-givers” who take ownership instead of blaming others when things go wrong. We also dive into the mindset behind long-term success. Yumi is a big believer in becoming 1% better every day. She compares her journey from a white belt to a black belt to building wealth and a business: you don't become a black belt overnight, you put in the reps, improve a little every day, and eventually look back and realize how far you've come. Yumi also shares practical advice for anyone who wants to build financial freedom without immediately quitting their job. Her recommendation? Keep your W-2, dedicate one focused hour a day to your side hustle, identify problems you can solve, and figure out how to get paid for solving them. In this episode, we talk about: • Yumi's journey from apartment management to full-time entrepreneurship • Completing 40 real estate flips and turning around a commercial property • Why she’s excited about tiny home communities • Building a life around faith, finances, and freedom • The biggest lessons she’s learned from business partnerships • Why you should “date before you get married” when choosing a partner • What makes an ideal business partner • Why communication and personal accountability matter • The power of mindset, podcasts, and audiobooks • Becoming 1% better every day • What her journey from white belt to black belt taught her about business • How to build financial freedom while keeping your W-2 job • Finding problems you can solve—and getting paid to solve them • Why giving more value than everyone else can set you apart • Finding what you love and becoming really great at it   If you're a high-income professional or W-2 employee who wants to build wealth, start a side hustle, invest in real estate, or create more freedom without sacrificing the stability of your career, this episode is full of practical lessons you can apply right now.   Connect with Yumi: instagram.com/blackbeltbizclub youtube.com/@blackbeltbizclub youtube.com/@blackbeltbizclubofficial facebook.com/blackbeltbizclub Linkedin Yumi Cos Yumi@theblackbeltmethod.com https://blackbeltbizclub.com   Enjoyed this episode? Subscribe to From Corporate to Cash Flow and leave a review or comment telling us your biggest takeaway. Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 71: The 1% Better Rule: From Apartment Manager to Full-Time Entrepreneur with Yumi Cos
  7. Sep 9

    Ep. 70: The Biggest Lessons We’ve Learned as Real Estate Investors with Andrea Cannon and Liz Schwab

    In this episode of From Corporate to Cash Flow, real estate investors Andrea Cannon and Liz Schwab share some of the biggest lessons they’ve learned throughout their investing journeys—from the reality of “passive income” to knowing when to walk away from an investment opportunity. If you’re a busy professional exploring real estate investing, passive income, private money lending, or alternative investments, this conversation will help you think more critically about where—and how—you choose to invest your money. In this episode, we discuss: Why nothing is as passive as it sounds — Even with a property manager, rental properties require oversight. And even private money lending comes with due diligence, risk management, and staying involved in the process. Why your investment strategy should evolve as your life evolves — The best investment strategy for you may change depending on your career, goals, available time, lifestyle, and the season of life you’re in. Why saying “no” can be one of your best investment decisions — You don’t have to invest in every deal or chase every opportunity. If you don’t understand an investment, it’s okay to pass. Some of our best decisions have been the deals we chose not to do. This episode is also Liz Schwab’s final episode as co-host of From Corporate to Cash Flow. We’re incredibly grateful for everything Liz has brought to the podcast and excited to see what she does next. Please join us in wishing her the very best in her next ventures! If you enjoyed this episode, subscribe to the channel for weekly conversations about real estate investing, private money lending, building passive income, alternative investments, and creating more financial freedom while building a life you actually enjoy. We’d love to hear from you: What is one investing lesson you’ve learned the hard way—or one investment you’re glad you said “no” to? Share it in the comments! Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 70: The Biggest Lessons We’ve Learned as Real Estate Investors with Andrea Cannon and Liz Schwab
  8. Sep 2

    Ep. 69: The Truth About Multifamily Investing in Today’s Market with Linda Holtz

    What if the real estate strategy you start with isn’t the strategy you end up loving? Linda Holtz started investing in real estate through house hacking before eventually transitioning into multifamily syndication. Today, she focuses on larger multifamily properties with at least 65 units and she’s built her investing strategy around finding the right balance between time, money, and involvement. In this episode of From Corporate to Cash Flow, hosts Andrea Cannon and Liz Schwab sit down with Linda to talk about what it really takes to build a real estate investing strategy that fits your life. Linda shares why she didn’t love being a landlord for smaller properties, despite actually enjoying property management, and why she ultimately made the move into larger multifamily assets. She also discusses the challenges multifamily investors have faced as rising interest rates have impacted valuations and cap rates and why she believes learning to invest during a difficult market can create an incredible advantage when conditions improve. They also dive into one of the most important (and often overlooked) aspects of real estate investing: the people you partner with. Linda explains why the right partners can make or break a deal and why evaluating the people behind an investment is just as important as evaluating the property itself. Plus, Linda shares advice for busy professionals trying to decide which real estate strategy is right for them: How she went from house hacking to multifamily syndication Why she focuses on multifamily properties with 65+ units How higher interest rates have changed the multifamily market Why your partners can make or break a real estate deal How to determine how much time, energy, and money you want to put into investing Why more capital can allow you to take a more passive approach What investors should actually look at when evaluating syndication projections Why you should never blindly trust the numbers presented in a syndication If you're a busy professional looking to build wealth through real estate without necessarily becoming a full-time landlord, this conversation will give you plenty to think about. **Connect with Linda:** LinkedIn: Linda Holtz IG & Facebook: M2RETX --- Follow me on Instagram: https://www.instagram.com/theandreacannon Subscribe to my YouTube Channel: https://www.youtube.com/@TheAndreaCannon

    Ep. 69: The Truth About Multifamily Investing in Today’s Market with Linda Holtz

About

We are Andrea Cannon and Liz Schwab, two pharmacists navigating the process of building time and financial freedom through real estate investing and lending while working our day jobs. Navigating this journey is difficult, but our podcast guests are experts in showing us how it's done.