How Apartments Really Make Money

Where the Real Returns Come From In last week’s post, we broke down the difference between return of capital and return on capital and how most investors confuse the two. This week, let’s take it a step further: Where do returns in apartment investing actually come from?Not hypothetically. Not on paper. But real, sustainable, halal returns. Because if you’re going […]

The Truth About IRR

What Investors Don’t Realize About This Shiny Number Let’s talk about a number you’ll see in almost every real estate deal: IRR ( Internal Rate of Return) It’s pitched as the holy grail of investing.But most people quoting it don’t fully understand what it means. And even fewer realize how misleading it can be, especially in deals powered […]

Return of Capital vs. Return on Capital

One of the most misunderstood concepts in investing Let’s say you invest $100,000 into a real estate deal. Two years later, you get an email:“Congratulations, you’ve received a 50% return!” Sounds great, right? But here’s what they don’t always tell you… That 50% might not be profit.It might just be your own money being handed back […]

When High Returns Come with Hidden Costs

I Thought I Found A Loophole I was operating real estate deals, structuring multifamily acquisitions, and making sure my name was never on the loan. That made it halal… right?At least, that’s what I kept telling myself. “I’m not the one taking the loan.”“I’m not signing the papers, just building the deal.”“It’s just how the […]

Why Multifamily Works ; Even Without Debt

You don’t need leverage to build wealth. Last week, we explored a fundamental truth: Wealth doesn’t come from saving harder it comes from owning more. This week, let’s dive into the asset class that has helped millions build generational wealth and how it still works, even without loans, or riba. We’re talking about large apartment […]

Passive Investing, Demystified

Own real estate. Build wealth. No riba. No stress. Most people think real estate means being a landlord.But what if you could earn from real estate without managing anything? That’s what passive investing allows you to do. It’s how professionals grow wealth through real assets… while staying fully aligned with their values. Let me show […]

How the Wealthy Actually Build Wealth

It’s not about saving harder, It’s about owning more In the last letter, we broke down how sitting on cash feels safe but in reality, it leads to compounded loss over time. This week, let’s go a level deeperIf saving isn’t enough… how is wealth actually built? The Core Principle: Wealth = Ownership Most people confuse income with wealth.But […]