Rachel Morrow is a Kansas City Realtor and real estate investor with 12 units across two fourplexes and two duplexes in Lee's Summit and Lenexa. She changed course after being accepted to medical school, worked 60-hour warehouse weeks, and used house hacking to buy her first fourplex at age 20.

In this episode, Rachel shares:

• How surrounding yourself with people who normalize thoughtful risk can expand your view of what's possible
• Why she chose house hacking as her entry point and how she weighed a duplex against a fourplex
• How working 60-hour warehouse weeks helped her qualify for her first fourplex
• Why she changed course from medical school and committed to a career in real estate
• How she evaluates Kansas City neighborhoods and why she prioritizes strong schools, safe areas, and durable demand
• How she vets agents and lenders when looking for an investment-focused team
• What she learned from inheriting tenants, managing below-market rents, and renovating units over time
• The property-management lesson she learned from a poorly screened tenant and a costly renovation
• Why investors should look at the numbers, maintain multiple exit strategies, and avoid making decisions from fear
• How faith, fitness, and family shape the business and long-term life she is building
  

Learn more about Rachel and connect with her:
Instagram: @rachdoesrealestate
LinkedIn: https://www.linkedin.com/in/rachel-morrow-88ab8b17b/

Josh Stall is a full-time multifamily real estate investor based in Atlanta, running a portfolio of 227 units through joint ventures and another 150 units through syndications. He started nine years ago grinding through single-family value-add deals before making the jump into multifamily at real scale, and today he operates across four markets: Northern Alabama, Atlanta, Kansas City, and Tulsa. He focuses on risk assessment, underwriting, partner alignment, and executing business plans across a portfolio that spans very different regulatory and market environments.

In this episode, Josh shares:

• Why he believes investors should focus less on how much they could win and more on how much they could lose
• The difference between real value-add and cosmetic unit turns that just "sell the story"
• How he made the jump from single-family flips into multifamily joint ventures and syndications
• The difference between physical and economic occupancy — and why that gap matters more in some markets than others
• The slab-leak moment that changed how he assesses risk as an owner
• Why he evaluates deals by how many things have to go wrong, not how many have to go right
• How a long sales career shaped the way he builds trust and negotiates with brokers and partners
• The role coaching and mentorship played in his growth as an investor
• His take on AI's long-term promise and short-term valuation risk in real estate

Midwest Multifamily with Isaac Holtz explores the people, deals, and ideas shaping multifamily real estate across the Midwest. Isaac sits down with owners, operators, lenders, brokers, and industry experts to discuss practical strategies, market insights, and hard-earned lessons from the field. Whether you’re actively investing or simply curious about the business, each episode delivers an honest look at how multifamily deals really get done.

Christina Kovacs is a multifamily investor and asset manager with 126 units as a general partner and investments in more than 500 additional units as a limited partner.

After getting her start as a loan officer, Christina transitioned into live-in flips, single-family rentals, and short-term rentals before moving into multifamily investing. Today, she focuses on acquisitions, underwriting, asset management, partnerships, and operating properties throughout Missouri and Kansas.

In this episode, Christina shares:

• Why she moved from single-family properties into multifamily
• Lessons from a challenging $50,000 passive investment
• How she evaluates markets, operators, and potential partners
• What investors should look for in a third-party property management company
• The differences between investing as an LP, GP, and JV partner
• Why transparency and clearly defined roles are critical in partnerships
• How networking helped accelerate her investing career
• Her experience acquiring a 21-unit property with an all-women ownership group
• Why she believes investors should think bigger, remain curious, and take calculated risks
  

Learn more about Christina and connect with her:

https://www.christinakovacs.com/