We Made a MASSIVE Property Investment with DOUBLE DIGIT Returns | Here's How it Went

We do a fair amount of investing ourselves, but rarely do we actually show the stuff we're investing in such an intimate way - let us know what you think and if you'd like to see more of our investments.

Remember, with investing, your capital is at risk. This is not financial advice. If in doubt, always talk to a financial advisor.

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About us
We're Ibrahim & Mohsin - ex-city lawyers and authors of "Halal Investing for Beginners". We've been studying investments and the traditional Islamic sciences for 13+ years. Over the year we've been published by the Financial Times, the World Economic Forum, Foreign Policy etc.

Today we run a sharia-compliant wealth management platform that manages over $35m in assets. We make videos about investment, personal finance, careers, and entrepreneurship.

We do this to make downtrodden communities better-off. To take people of colour, Muslims, and minorities from being among the poorest in society to the richest.

Remember, with investing, your capital is at risk. This is not financial advice. If in doubt, always talk to a financial advisor.

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TIMESTAMPS
00:00 - Our investment!
00:42 - Some background
01:42 - Why this property?
02:48 - There's a gym!
03:16 - One of the first-ever Built-To-Rent (BTR) properties
04:04 - The co-working space
04:49 - How will this property make us money?
06:48 - The BTR side of things
07:48 - Let's take a look at the apartments
08:14 - Shared kitchen/living space?
08:45 - Concluding thoughts

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[elevenplusparents]

How would the double digit return be generated? What exactly is double digit - 10%, 15%, 19%? As usual, very little detail on rental yield, exit yield etc. From my experience managing real estate portfolios, I can tell that PRS/BtR net rental yield is 4%-4.5% (at the max). So are you suggesting that the yield compression or capital appreciation will generate another 6%+ annually? That's wildly optimistic.

[AlphaChanneled]

Salam, as someone who has benefitted (and continues to benefit) from IFG over the years, this is an understandable yet disappointing next step for IFG/Cur8.

According to your channel your mission is "...to make downtrodden communities better-off. To take people of colour, Muslims, and minorities from being among the poorest in society to the richest.". I would argue that the proliferation of projects like this are examples of rent-seeking behaviour/rentier capitalism that serve counter to this aim.

Like the man at 6:48 said, people of the younger generation are much less likely to be owner-occupiers of their properties. With large proportions of their income hoovered up by rents, they miss out on the chance to build wealth of their own (like earlier generations had) and instead their incomes line the pockets of and concentrate wealth in the hands of landowners who have already accumulated enough capital to invest in property.

Over time you form an underclass of people who might get on the property ladder very late (if ever), having paid enormous sums in rent over decades that could have been used to buy property and build wealth of their own, but because they could not access the financing to do so they have little to show for that (this problem is especially worse for Muslims as our financing options are much more limited).

Building properties with the sole intention of renting them out does not increase the supply of homes to purchase (infact it takes away land that could be used to build properties for that purpose, thus making the supply problem worse). The man at 6:48 is so close to getting it ironically. If you ask most young people/families I think they would say they would prefer avenues to get on the property ladder themselves rather than more elaborate and flashy apartments to rent with gyms and coworking spaces.

This country has a problem where the easiest and safest investments with good returns are simply to park your money in property. This stifles innovation, makes it harder for businesses to operate due to high rents and customers with less disposable income, and is overall a leech on our economy. It does not take a genius to become a buy-to-let landlord, only enough capital and the blessing of being born at the right time. Running a productive business that provides goods and services as well as employment to others is much more tricky. Yet which one actually provides more benefit to the community per dollar invested?

In summary this sort of project is an example of the very things that keep poor people poor and deprive them of the opportunity to build wealth for themselves.

[PropertysaviourUk]

Be great to see returns after 1 year. Capital appreciation is a bonus and not to be expected.😊

[waheeb_m]

I love that the UK muslims are thinking big

[abdullahk]

Great idea - working together and getting best deals!

[iz.ishaaq]

Mashallah allahummabarik this is so close to me!

[thejamalc]

Allahuma barik - This model is in my big goal list for property

[maniac]

I wanted to invest. Signed up to Cur8 and then was told I can't invest because I'm not a millionaire or in other words a super investor. I'm a teacher with an average income of £40k annually who was interested in investing between £5k-10k but cur8's requirements prevented that. Customer service recommended to invest in their other offers, all of which turned out to be unavailable.

[saqibsaleem]

Should look at social housing as the market needs investment - and Islamic investment would be perfect

[head]

But bro, Cur8 is specifically for high net worth people😢

[naturenurture]

You can launch a crypto coin pegged to your investments.

[Zaphron]

Salam Brothers and Sisters, I would like to know how someone who doesn't make much money and would like to start investing, trading etc. what would you guys recommend?

[DayyyumSon]

If i ever get large amounts of money. I want to buy these types of flats so i can give cheap rent to families so that in the future they can get their own house.

[SkyLine]

If im not living in uk and not british can i invest?

[syedharis]

Asalam o alaikum.... i have emailed a question to your channel... kindly answer it whenever you guys got a chance ...jazakAllah

[naturenurture]

Can someone plz tell me all the halal parameters to invest in any company stock.

[aqibmohammed]

Is this probably haraam init ? Mortgage, interest and all tht? Could be wrong but how do u do this in a halal way ?

[bobsacamano]

How ridiculous is trying to sign up for this thing? You people make it almost impossible.

[adammer]

Will this be a halal investment considering the shared spaces (gym for example)?

[syedishrathullah]

So I call urself an Islamic finance guru and yet promote places where there is a possibility of intermingling like in the gym or conworking . What a joke ? . This is the problem . The moment these people see money 💰 all ethics are out of the window. The guy didn’t even mention where the nearest mosque is yet calls himself a halal investor .