The Side Hustle and Business Show with Eric Lindsey

From Bank Teller to $25M Portfolio with Roberto Carbetta

Eric Lindsey Season 1 Episode 149

Intro — for busy pros & business owners:
Roberto Carbetta didn’t wait for retirement to invest—he built his real estate journey alongside long work hours, proving steady action drives results. Starting as a Toronto bank teller, he learned from wealthy clients tied to real estate, bought his first deal at 21, ran a construction business for over a decade, and now helps manage a $25M portfolio in multifamily and senior living. 🚀

🎙️ Episode Snapshot — What’s in this conversation

  • Early spark: Wealthy bank clients all tied to real estate.
  • First step: Bought a condo at 21—before telling his parents.
  • Work + investing: 20 years in construction while acquiring rentals.
  • Pivot to the U.S.: Moved to Fort Lauderdale, embraced syndications.
  • Today’s focus: ~90% on senior living acquisitions & underwriting.

🛠️ How to Invest in Real Estate While Working Full-Time
Roberto worked 12-hour days on job sites, then researched evenings and weekends. His cadence: one purchase every ~18 months, hitting six by 30. For busy pros, he suggests passive investing—know the operator, market, deal, and numbers, then get back to your main business. 💼

🧩 Why Senior Living Caught His Attention
A senior living deal projected ~3.2× returns over five years. With “silver tsunami” demand, limited supply, and assets under $100K/unit (vs. $300K to build), the numbers made sense. 🧓🏽🏢

💵 At-Risk Capital 101
To break into GP teams, Roberto put up earnest money and risk capital. These cover due diligence and can be lost if a deal doesn’t close—so strong documents, trust, and confidence are critical. 💸

🔑 Key Takeaways for High-Income Earners

  • Learn from winners, then act.
  • Stick to a cadence (e.g., 1 deal every 18 months).
  • Use your career income to fuel investing or go passive.
  • Partner before leading GP roles.
  • Know the downside of EMD/risk capital.

📌 Final Word
From Toronto bank teller to Florida syndicator, Roberto proves consistent effort, partnerships, and calculated risks can build wealth—without quitting your career. 🙌


Website: https://ericlindseyml.com/
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey