Over-Leveraged: The Silent Killer of “Good Deals”
Wealthy Way
Ryan Pineda
4.9 • 2.2K Ratings
🗓️ 18 February 2026
⏱️ 15 minutes
🧾️ Download transcript
Summary
Everybody loves “scale”… until the monthly payments don’t care if your houses sell. Here’s how leverage spirals, why investors start co-mingling funds, and the mindset + funding habits that keep you from building a debt pyramid.
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About Ryan Pineda:
Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue.
Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing.
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Transcript
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| 0:00.0 | Top mistake number one that people make being over leveraged. |
| 0:04.6 | What does that mean to you? |
| 0:06.1 | Well, if you're flipping houses, what that means is you bought too many properties and you |
| 0:12.9 | did an account for how much money was going to be leaving your bank account. |
| 0:17.4 | And what a lot of investors do is, let's say they'll borrow money for house a and then they'll go |
| 0:24.9 | buy a house b and then they start commingling the funds maybe like house a went over budget and they |
| 0:32.7 | use the leverage from house b to offset house A. |
| 0:38.1 | And then before you know it, they're like swimming in debt and they don't have enough |
| 0:41.9 | money to pay back investors or to finish your projects. |
| 0:45.3 | And that's happened to me. |
| 0:46.7 | I've seen, I don't want to say hundreds, but I've seen that happen to a lot of real estate |
| 0:50.5 | investors. |
| 0:51.3 | Yep. |
| 0:51.5 | So then they don't have enough for House B. |
| 0:52.9 | So they go buy House C. |
| 0:54.1 | Yep. And it steals from House C. Yeah. And it just, you're hoping House A sells. And then if House A doesn't sell for what you want, then it just starts spiling out of control. Yeah. I'll say for me, um, I didn't realize I had been over leveraged because I had had a lot of leverage for years. I mean, you know, from |
| 1:11.3 | 2018 to 2022 for five years straight, I always had 50 plus flips going at any moment. |
| 1:16.8 | Damn. And, you know, at the end, it was about $20 million of debt. So the leverage would |
| 1:22.1 | have been $20 million. Wow. And the monthly payment on that was $200,000. Oh my gosh. |
| 1:49.4 | Yeah. Dang. That's a lot. I've never been that high. I know. I would know. So, you know, you talk about paying that every single month, whether the house sells or not. You got to have enough cash to be able to pay that. Wow. Plus, you know, you're bringing up the point about, okay, this project went over budget. So, okay, it went over budget 30,000, or even, let's just say, $10,000, like a smaller amount. |
| 1:53.1 | You do, do $10,000 over budget on 50 projects. |
| 1:57.6 | That's $500,000 that you're, wow, you need the money on. |
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