The Multifamily Real Estate Experiment Podcast

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode of the Multifamily Real Estate Experiment Podcast, I welcome back Matthew Sutika, a distinguished entrepreneur and insurance expert in the multifamily space. We discuss foundational topics of insurance for real estate investors, including understanding risks, managing claims, and the impact of insurance rate increases. Sutika introduces the unique approach of his company, Nimble, in offering tailored insurance solutions and emphasizes the importance of having a strong, communicative insurance partner. The episode also explores future trends in multifamily insurance, tips for effective risk management, and the benefits of efficient claims handling.

00:00 Introduction and Welcome

00:24 Guest Introduction: Matthew Sutika

01:34 Real Estate Quotes and Insights

05:00 Understanding Multifamily Insurance Needs

08:38 Master Policies and Their Impact

14:20 Insurance Rate Increases and Market Trends

24:53 Navigating Claims and Risk Management

28:52 Future Trends in Multifamily Insurance

31:16 Rapid Fire Round with Matthew Sutika

32:17 Conclusion and Contact Information

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

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Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode, Matthew Sutika and I dive into the heart of work-life balance, dedication, and the lessons learned from family and entrepreneurship. Our guest opens up about the real impact of managing time, particularly as a parent to two young boys, and why it took fatherhood to reveal how precious (and finite) time truly is. He shares insights on how diving deep into a specific niche transformed his career, his no-nonsense advice on fast and accurate communication, and the realities of hard work—showing up early, even on vacation. This episode is a candid reminder that success is a mix of smart decisions, grit, and knowing what matters most.

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode, Matthew Sutika and I break down why choosing the right insurance partner—not just a “vendor”—is a game-changer for multifamily property investors. Real estate is a team sport, and having an insurance provider who acts as a true partner, invested in your success, can make all the difference. Unlike a standard vendor relationship, a true partnership with your insurance provider ensures they’re there for you through every challenge, every renewal, and every unexpected twist. It’s about building a long-term, value-driven connection that treats insurance as a strategic tool, not just a line item. Learn what to look for in an insurance partner and why it matters for the future of your investment. 💪🏢✨ 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

 In this episode, Matthew Sutika and I dive into why mastering insurance is crucial for multifamily property owners and real estate investors. It’s not just about “getting a good rate”—it’s about knowing how insurance directly affects your cash flow, renewal rates, and long-term viability. Our guest breaks down the essential questions every investor should ask: What’s your deductible really covering? How much is out-of-pocket vs. covered by the carrier? We look at insurance as a tool to manage risk tolerance and protect assets, providing clarity to make savvy, business-focused decisions that support your cash flow goals. 📈💰 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode, Matthew Sutika and I dive into a powerful mindset shift: seeing your business through the lens of real estate. Inspired by the iconic McDonald’s story—where success wasn’t just about burgers but about prime real estate—this episode unpacks how thinking like a real estate investor can elevate nearly any business strategy. Our guest explains how the right property in the right location changes the game, influencing profitability, growth, and brand presence in a big way. 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

 In this episode, Matthew Sutika and I break down a critical mindset shift in real estate insurance: viewing your insurance partner as more than a box to check at closing. Our guest explains why insurance should be seen as a long-term partnership rather than just a line item for deals. Beyond the policy, a quality insurance partner stands by you for the life of the property—whether you’re navigating a storm claim, a lawsuit, or just need advice. Forget about hourly fees; a true insurance partner is there to support you 365 days a year, keeping your investment protected and thriving. This episode is all about leveraging that partnership to ensure success in every aspect of multifamily ownership. 🏢🤝💼 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode, Matthew Sutika and I explore a fresh approach to multifamily insurance that could reward proactive property management with lower premiums. Our guest, insurance expert Matthew Sutika, discusses how insurance companies are beginning to recognize and value good operators. Imagine a world where your attention to details—like filling potholes promptly or replacing fallen trees immediately—actually influences your insurance rate. Matt explains how this trend could soon enable great operators to pay less for insurance while poor management leads to higher costs. This concept could transform the way real estate operators view risk management, ultimately rewarding those who invest in better property care. 👏🏢✨ 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode of the Multifamily Real Estate Experiment Podcast, I interview Anjou Martinez. Anjou shares her inspiring journey from Saudi Arabia to becoming a multifamily real estate mogul in the United States. 

We explore the benefits of passive real estate investing, emphasizing cash flow, equity, and tax advantages such as depreciation. Anjou discusses her extensive portfolio, including over 2,600 units as a passive investor and 1,400 units as a general partner. 

The episode highlights the importance of understanding Internal Rate of Return (IRR) and diversifying investments across high-performing asset classes like multifamily and industrial properties. Advanced tax strategies, including bonus depreciation and cost segregation, are examined for their potential to offset liabilities. 

Anjou also shares personal anecdotes about balancing investment ventures with activities like triathlon training and music. Listeners are encouraged to seek personalized advice for optimizing their tax benefits and to connect with Anjou via social media or her website.

00:00 Introduction and Guest Welcome

00:23 Anjou's Background and Journey

00:50 The Appeal of Passive Income

01:20 Understanding Passive Real Estate Investing

03:08 The Benefits of Being a Passive Investor

07:09 Discussing Internal Rate of Return (IRR)

09:41 Exploring Different Real Estate Asset Classes

12:44 The Car Wash Business Venture

15:08 Tax Benefits in Real Estate Investing

17:10 Understanding Bonus Depreciation

17:29 Passive Investor Scenarios

19:39 Tax Strategies for Real Estate Professionals

21:11 Investing with Self-Directed IRAs

24:20 Allocating Bonus Depreciation in Funds

27:16 Focus Round: Personal Insights and Tips

31:18 Conclusion and Contact Information

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

In this episode, Anjou and I dive into the power of listening as a core communication skill and how it plays a pivotal role in leadership and personal growth. Our guest shares that listening is more than just hearing words—it's about being present, tuning in, and truly understanding others. We also explore the importance of mentorship and accountability in achieving success, reflecting on how these connections can elevate your journey. Taking the time to listen and learn can be the key to unlocking new opportunities. Tune in for insights on leadership, mindset, and finding success with grace. 💼🌱 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor

Aloha, It’s Shelon "Hutch" Hutchinson here! If you’re enjoying 'The Multifamily Real Estate Experiment' podcast, please like, comment, and share our episodes to help us reach and inspire more people. Thank you for your support!

 In this episode, Anjou and I dive into the transformative power of real estate investment—not just financially, but in terms of community impact. We explore how investing in real estate improves neighborhoods, enhances schools, and creates a ripple effect that goes far beyond personal wealth. Anjou shares her journey, from training for triathlons to discovering the life-changing opportunities in real estate. She reflects on how understanding these investments earlier could have reshaped her path, and they both stress the importance of community, legacy, and long-term impact over quick flips. Join the conversation as they talk about how real estate can change lives in more ways than one! 💪🏽💰 

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Thank you to all of our listeners!!! We would love to hear from you!!!

Email me at:
[email protected]

*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*=*
Visit our website to find out more:
www.hsquaredcapital.com

Join our Facebook Group:
The Multifamily Real Estate Experiment

Follow us on Instagram:
@hutchthemarineinvestor