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  • Credit expert Jasmine McCall made $100,000 through digital products in four months.
  • While she still holds stocks, she prefers to invest in real estate.
  • McCall believes real estate is a more stable, stress-free, long-term investment than stocks.
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In 2021, while eight months pregnant with her first son, credit expert Jasmine McCall sold affordable digital products like debt-payoff planning sheets, homebuying guides focused on credit repair, and dispute letter templates. According to records viewed by Insider, she made $100,000 in just four months. Now, she wants to leverage that cash to continue growing her wealth.

Before launching her credit repair business, the 30-year-old worked in the tech industry while dreaming of owning investment properties. While working in tech, she met a 27-year-old woman who already owned five properties. 

"For me, coming from a poverty-stricken neighborhood, I'd never met anyone that young who owned multiple properties," she says. "I've always wanted to invest in real estate, and I always thought you needed a bunch of money. But I discovered, with having good credit, you could pretty much invest in any type of real estate and not even have to pay a dime up front."

With $100,000 available and a perfect credit score, McCall is that much closer to making her investment-property dreams come true. To grow her wealth, she's skipping trendier, more volatile investments, like cryptocurrency and hot stocks, and looking for the right investment property.

The daily ups and downs of the stock market stress her out

"I actually have stock and I definitely invest long-term," McCall says, but it's not her first choice for wealth-building. While she was working in tech, McCall maximized benefits like employer-sponsored ownership plans (ESOP), which offer employees stock in the company based on how long they work there. On her $126,000 debt payoff journey, McCall even sold some of her stocks to pay down a big chunk of student loan debt.

McCall also dabbled in day trading and forex trading, but, she says, "I don't like to have a lot of daily anxiety about what the stock market is going to do. It's super stressful, and it's something that takes away from my quality of life." For her, real estate feels much more hands-off and stable long-term.

She can leverage her perfect credit score to invest in real estate

Because McCall has perfect credit and owns her own business, she's now eligible for business credit. McCall says, "If you get your personal credit fixed, get that at a high enough score, now you're eligible to get these business loans that protect you from all of these liabilities as opposed to putting these investments under your personal name."

Improving her credit score gave McCall the confidence to ask her successful colleagues, like the aforementioned woman who owned five properties at 27, what to do next so that she can set up her own long-term passive income streams in the form of real estate. She learned that "credit is king in the world of real estate. It's stronger than cash," she says.

McCall is in a position to make cash offers on investment properties

McCall started researching real estate investing a few years ago, but the process quickly became emotional for her and her husband. She says, "A couple of years ago, we put in tons of offers on investment homes. A lot of them would get accepted, and then the deal would fall through because someone would beat us out with a cash offer." At the moment, they're still on the hunt for the perfect property.

Now that McCall is able to leverage both her personal and business credit to borrow money, she's in a position to place her own cash offer on a property. She remains optimistic about the return on her future investment, telling Insider, "The value of homes are just skyrocketing. So I feel like real estate is an investment that's more tangible and predictable."

Leo Aquino (they/he) is a Spending Saving Reporter. Before joining the Insider team, they covered relationships, sexual wellness, beauty, fashion and more, always uplifting stories of BIPOC and LGBTQ+ communities. You can reach Leo at laquino@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services » Sign up to get Personal Finance Insider's free email newsletter in your inbox »

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