- Marko Zlatic runs the WhiteBoard Finance YouTube channel.
- He draws on his experience in real-estate lending and development to give investing tips.
- Zlatic talked Insider through house hacking, REITs, and syndications.
- See more stories on Insider’s business page.
Marko Zlatic doesn’t have access to a time machine. But if he did, he’d tell his younger self to invest even more time and money into real estate.
“I’d go back in time and house hack,” the investing influencer told Insider. “As soon as possible I’d buy a duplex, triplex or fourplex, live in one unit and then rent out the remainder of the property.”
In the early 2010s, Zlatic spent time in real-estate lending and development. That experience has helped him to produce real-estate investing advice for his YouTube channel, WhiteBoard finance, which now has 692,000 followers.
“Whiteboard Finance helped me to scratch a creative and financial itch that I’d never really been able to scratch,” Zlatic said. “It was a passion project that grew into the platform it is today, which is roughly 700,000 subscribers on YouTube, and a full-time income for me.”
Zlatic talked Insider through the “physical, equity, and digital aspects” of real-estate investing for retail investors.
The physical element of real estate investing is house hacking – where a homeowner rent outs a portion of their property and uses that income to help pay their mortgage.
“The traditional route is holding physical real estate,” Zlatic told Insider. “That’s my background – I came from the commercial real estate world, building duplexes from the ground up.”
“But a lot of people don’t have that money, so I would recommend REITs and syndications,” he added.
A REIT – which stands for real estate investment trust – is a company that owns, operates, or finances income-generating real estate. Zlatic described investing in these vehicles as the equity route into real estate, and said he owns Vanguard’s REIT ETF (VNQ).
Lastly, Zlatic recommended the digital way of real-estate retail investing – property syndication. In a syndication deal, multiple investors pool their money together to buy a property that they couldn’t otherwise afford.
Zlatic told Insider he is actively exploring house hacking and syndication, and wants to increase the amount he invests in REITs.
“I feel like my portfolio is lacking real estate, other than investments in REITs and a personal residence, so I’d like to ramp that up,” he said. “Other than that, I’ll keep doing what I’m doing, investing in real estate, investing in crypto, and building my portfolio – not a lot of gambling, just a lot of old-school wealth building.”
As for WhiteBoard Finance, Zlatic wants to continue building his personal brand to reach as many retail investors as possible.
“I’m now at the point where I make more money from YouTube than I do from investing,” he said. “I genuinely enjoy educating people and teaching, so WhiteBoard Finance will keep going as long as it makes sense for me to keep doing it.”