REI Capital Guys

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REI Capital Guys We connect conservative investors with experienced real estate operators. Built on trust, backed by real assets, and always relationship-first.

On one side, we help investors earn steady monthly income backed by real estate — no volatility, no fluff. On the other, we provide fast, common-sense funding to real estate investors who know their numbers and need a lender who can move quickly.

10/22/2026

🎙️ Jeff Hiatt was on the Save to Zero podcast!

He's "The Depreciation Doctor" and a tax strategist

Who helps real estate investors and business owners

His goal? Legally lower your taxes

Most CPAs report what already happened

Jeff focuses on what's possible

His analysis is engineering-based, not generic estimates

And it works alongside your CPA

Own real estate?

You need to hear this. Cost segregation could be money you're leaving on the table.

Watch the full episode on all popular platforms. Links are in the comments. 👇

Want to learn more? Book a free 15-minute analysis at depreciationdoctor.com.

Mike Seidl
Co-Founder, REI Capital Guys

It always makes my day when our current investor clients are looking to add more capital with us.This particular person ...
10/20/2026

It always makes my day when our current investor clients are looking to add more capital with us.

This particular person has been with us for approximately 2 years now, and this will be the 3rd time they've added to their account with us.

Consistent returns.
Backed by real estate.

Monthly cash flow regardless of whats happening with

The stock market
Wall st
Washington
The Iran War.

This is why I love sharing private lending with our investor community.

Everybody wins.

Our investors win, they receive monthly cash flow

Our borrowers win, they get funding for their real estate projects.

We win, we're compensated for putting everything together.

Zachary Richards
Co-Founder, REI Capital Guys
visit: reicapitalguyscommunity.com

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We just funded an $850,000 loan in Maine100% private capitalHere's the storyTwo properties. One loanProperty # 1: An 8,...
10/19/2026

We just funded an $850,000 loan in Maine

100% private capital

Here's the story

Two properties. One loan

Property # 1: An 8,320 sq ft retail building, built in 2014, on 1.08 acres with 16,700 cars a day driving past. It's vacant right now. A lease for a fitness center has been signed. Buildout in progress

Broker's opinion of value [BPO]: $900,000 - cool part, the BPO is before buildout, which will increase the value and is 100% funded by the borrower and tenant

Property #2: An auto garage and a rented single-family home on 1.6 acres, on the same syreet. Positive cash flow. Owned free and clear

Broker's opinion of value: $400,000

We used both as collateral

$1.3M in collateral combined

$850K loan

65% loan-to-value

$450,000 in equity (35%) between money and and any potential loss

Capital protection is key

It's a first-time borrower on a 9-month term

Before we said yes:

- 18 points of data underwritten in each property
- 110-point checklist completed
- Title insurance in place
- Property insurance naming us as loss payee
- Our attorney, who we've worked with on multiple

Loans in this state, prepared the docs, read and approved the title commitment

Here's what most people don't see

We turn down more loans than we fund

Sometimes the numbers don't pencil out Sometimes we're not comfortable with the borrower

We've learned both have to be solid

We kiss a lot of frogs. With the economy slowing down, we're kissing a lot more

It's to the point where we have to buy a lot of lip balm 😄

Now the part our community member investor likes best

$7,083 every month wired into their account on the 15th of each month
Their total work? About 15 minutes a month to review the statement and confirm the wire landed in their account

That's it

We're lining up our next loan and having a few conversations with people who want mailbox money backed by real estate.

If you'd like to learn how it works, shoot me a direct message

Mike Seidl
Co-Founder, REI Capital Guys

AI based surge pricing in grocery stores!?Companies like Kroger, Walmart, Amazon Fresh, and Whole Foods have rolled out ...
10/17/2026

AI based surge pricing in grocery stores!?

Companies like Kroger, Walmart, Amazon Fresh, and Whole Foods have rolled out digital shelf labels.

Instead of a printed price tag, prices show up on a screen that can change throughout the day.

Im sure you've seen them. Those small e-ink displays instead of paper price tags.

It's going much further than this though.

McDonald's has already tested dynamic pricing on the Big Mac. Grocery chains are testing algorithms that factor in your shopping frequency, your location, even local demographics before deciding what price to show you.

This is really starting to concern me though.

This wouldn't be prices moving with supply and demand anymore. It is prices adjusting based on you specifically. Your purchase history, your browsing behavior, how likely you are to buy something even if the price goes up.

I'm concerned the line between dynamic pricing and personalized pricing is disappearing.

Dynamic pricing affects everyone and reacts to the market. Personalized pricing reacts to you and your spending habits.

Think about how different your Facebook feed looks from anyone else's.

Same platform, completely different experience, because the algorithm already knows what keeps each of us engaged.

Now apply that same idea to the price of milk, eggs, or even anything else.

Gas, even?

Instacart already got caught charging different customers different prices for the same exact item, from the same store, at the same time.

Some states are starting to pass laws restricting this. Most of the country has no protection against it at all.

This is about way more than groceries. It is about how much of your personal data companies get to use, in ways you never agreed to and have no way of seeing.

What do you think about this? Does personalized pricing bother you?

Zachary Richards
Co-Founder, REI Capital Guys

10/16/2026

Yesterday I said to watch for today's inflation report. It came in even hotter than economists expected.

The consumer price index rose 3.7% in September, up from 3.4% in August.

Gasoline alone jumped 9.1% in September and accounted for more than half of the monthly increase.

For example, Airline fares are up 22% over the past year. Hotel prices are up more than 4%.

One economist said high inflation is "becoming a fact of life, not a temporary spike we are waiting to pass."

The Social Security Administration announced a 3.6% cost of living adjustment for 2027, the largest increase since 2023, a direct response to inflation.

This was also the last inflation report the Fed saw before their meeting later this month, and it came in well above target.

Do you agree that high inflation is just something we need to get used to at this point?

I hope not.

Zachary Richards,
CO-Founder, REI Capital Guys

10/16/2026

5 days. 5 total flights.

Spent the first half of the week in Cleveland at a mastermind with 120 other entrepreneurs I have known for years. Talked finance, talked marketing, and spent some real time catching up with people I really enjoy spending time with.

Then straight to Tampa, where I was invited to speak at the Dominate Entrepreneurial Summit.

I sat on a panel about financing for entrepreneurs, then gave a talk on risk mitigation, specifically how the lessons I have learned underwriting loans apply directly to running any business.

Grabbed dinner with a couple of the other panelists afterward. As with any event, its valuable being in the room, but the real magic happens before and after connecting with other speakers and attendees.

One night I also got to have dinner with some family who lives down there that I had not seen in a while.

A full week, finally made it home late last Saturday afternoon.

My favorite part about coming home from any trip is always the same. These two knuckleheads going nuts after they see me.

Zachary Richards
Co-Founder, REI Capital Guys

I see smart, capable adults make money mistakes they learned too lateNobody taught them earlySo they faceplant through n...
10/15/2026

I see smart, capable adults make money mistakes they learned too late
Nobody taught them early
So they faceplant through no fault of their own

And it's completely avoidable and fixable

We teach kids to read at six. We teach them to count at six. But we wait until adulthood, often when debt is already piling up, to teach them how money actually works

Financial habits form early. The earlier kids learn them, the longer they have to compound. Just like money.

✅️ First grade (ages 6-7): build the habits
- Coins and bills: what they're worth
- Needs vs. wants
- Saving in a jar before spending
- Money is earned by doing work

✅️ Third to fifth grade: practice
- Setting a savings goal and tracking progress
- Budgeting an allowance
- How banks work and what interest means
- Running a lemonade stand: cost, price, profit

✅️ Middle school: understand the mechanics
- Compound interest and why starting early
matters
- Credit, debt, and why interest works against
you
- Intro to stocks, bonds, and index funds
- Inflation and why cash loses value

✅️ High school: real-world skills
- Reading a paycheck and understanding
taxes
- Credit scores and student loans
- Retirement accounts like 401(k)s and IRAs
- Real estate, business ownership, and
building assets

Like everything in life I think the best approach is hands-on
And doing the actual work, not just reading books on it

Real budgets and real decisions because they stick better than lectures

A child who learns to save at six, invests at sixteen, and avoids bad debt at twenty-six has a huge head start on one who learns it all the hard way

Financial literacy is a crucial life skill.

What do you wish someone had taught you at six?

Mike Seidl
Co-Founder, REI Capital Guys

10/14/2026

Most entrepreneurs struggle to let go of control, especially when it comes to hiring and delegation.

We released a new episode of Save to Zero yesterday with Scott Hanis.

Scott has been in HR for about 20 years. He started his career in the corporate world, working his way up through regional HR manager and eventually director of HR for an international company, with experience across Brazil and Mexico. He later got into the private equity side of business, working on due diligence and company acquisitions, before he and his wife made the leap seven years ago to start his own HR company.

Now he works directly with business owners and leaders across the country, helping them navigate the people side of growing a business. Hiring, performance management, leadership transitions, culture, all of it.

We talked about a lot in this episode.

When to actually bring in HR support as a business grows.

How to structure performance reviews the right way.

How to avoid promoting someone into a role they are not ready for.

Super common mistakes business owners make as they scale.

Good episode, especially if you are the one still doing everything yourself and know you cannot keep doing that forever.

New episode of Save to Zero is out now with Scott! Link in the comments

Zachary Richards
Co-Founder, REI Capital Guys

10/13/2026

Collateral assignment of leases and rents, another document we collect at every closing.

Here is what it's for.

At closing, the borrower signs over the rights to all rental income generated by the property.

But as long as they are not in default on their loan, nothing changes for them. They keep collecting rent and operate the property normally, just like any other landlord.

The moment they default, they lose that right.

We can send a letter directly to the tenants and start collecting rent ourselves.

Furthermore this document gets recorded in public records, right alongside the mortgage. So everyone knows we have this right.

Knock on wood, but we have never actually had to enforce this. But we still get it signed on every deal.

We never get it signed with the intention of acting like a landlord to start collecting rent, but it gives us another lever to pull if we ever needed to.

Another tool in the toolbox, hopefully one we never need, but always there if we do.

Zachary Richards
CO-Founder, REI Capital Guys

P.S: Got questions about structuring your real estate financing or securing your assets? Send us a message or visit reicapitalguyscommunity.com to schedule a call with us.

Amazing panel last week with Ari Page and Brandy Best covering finance and accounting for business owners.We got into:Ho...
10/12/2026

Amazing panel last week with Ari Page and Brandy Best covering finance and accounting for business owners.

We got into:

How people are changing the way they underwrite deals in this economy.

How business owners are thinking about risk management as they scale.

How to run a business while staying on top of your margins instead of just watching revenue, a total vanity metric.

This was one of four panels today, and it was a great one to be a part of.

Grateful for the invite, opportinity and the conversation.

~ Zachary Richards
Co-Founder, REI Capital Guys

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3225 McLeod Drive, Suite 100
Las Vegas, NV
89121

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