TME 30 | The Freedom Fund Framework: Shifting Equity to Cash Flow with Richard McGirr and Chris Lopez

This podcast is a masterclass in modern capital raising. Richard and Chris break down why small landlords are equity rich but cashflow poor, and how repositioning into debt funds solves that problem. They walk through the rise of Independent Capital Aggregators, the importance of choosing the right avatar, and their own journey to more than $1M in annual recurring carried interest. The core themes: simplify, focus, double down on what works, and stay relentlessly consistent. They show how a normal high-income professional with the right network can raise seven figures simply by following a proven system.

Bullet Points and Highlights:

• Most small landlords have huge equity but terrible cashflow, averaging –1% cash-on-equity.
• Richard and Chris help these investors pivot into higher-income vehicles, primarily debt funds.
• Debt funds provide immediate monthly distributions and far less hassle than rentals.
• A massive demographic shift is underway as aging landlords move from active to passive investing.
• 1031s are unattractive in today’s rate environment, pushing investors toward selling or refinancing.
• Their business hit over $1M in recurring carried interest by focusing heavily on debt products.
• Ideal Independent Capital Aggregators are professionals with strong networks and prior investing experience.
• One ICA student raised $1.1M in 30 days using a simple warm-network script.
• Their formula is one avatar, one product, one channel, executed with discipline.
• Investor trust grows through consistency, deep product understanding, and risk-focused education.
• Links from the Show and Guest Info and Links:

Links to watch and subscribe:

Seth Bradley’s Links:

https://x.com/sethbradleyesq/ https://www.youtube.com/@sethbradleyesq/ www.facebook.com/sethbradleyesq/ https://www.threads.com/@sethbradleyesq/ https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq/ https://www.tiktok.com/@sethbradleyesq?lang=en

Richard McGirr/Chris Lopez's Links: https://denverinvestmentrealestate.com/author/chris-lopez https://propertyllama.com/2024-annual-shareholder-meeting https://www.linkedin.com/company/property-llama