Passive income starts here: https://bit.ly/4c6o663

Are you tired of the rollercoaster ride that comes with the stock market or the endless stress of active real estate investing? What if you could generate passive income with greater predictability and less hassle? In this episode of the Money Ripples Podcast, I bring on Andrew Boccia, founder of Central Lending, to talk about one of my favorite ways to create consistent passive income: real estate lending.

With over 1,500 real estate deals under his belt and more than 800 bridge loans completed, Andrew shares how his company has maintained a remarkably low default rate—just around 2%. That’s almost unheard of in this space. We dive into what makes private lending so powerful, especially in a time when traditional investments feel more volatile than ever.

Andrew walks us through how he built his lending business, the exact underwriting process Central Lending uses, and why most of the risk in lending comes down to avoiding fraud—not just bad borrowers. You’ll hear how he went from professional poker player to full-time real estate investor and why lending became his most efficient and scalable strategy.

We also unpack:

• What loan-to-value (LTV), loan-to-cost (LTC), and loan-to-purchase ratios really mean—and why they matter

• Why performing due diligence on borrowers (including background checks, credit, and experience) is a game-changer

• How Central Lending structures both its fund and individual note investing options

• How you can create consistent monthly income without swinging a hammer or chasing tenants

This isn’t just about creating more money—it’s about creating freedom, control, and time. Lending allows you to sit on the “bank” side of real estate and get paid to let your money work, rather than constantly trading your time or stressing over rehab timelines.

Whether you want to invest in a diversified lending fund or get more hands-on by holding individual notes, Andrew breaks down what investors should expect, how risks are managed, and how Central Lending vets every deal and borrower before money ever goes out.

You'll also learn how this strategy is helping to revitalize neighborhoods, support contractors and realtors, and improve communities across the country—all while helping you create passive income.

Visit www.central-lending.com to learn more about how Andrew and his team can help you put your money to work. And as always, head to www.moneyripples.com and use our Passive Income Calculator to see how fast you could become financially independent with the right strategy