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When people think about making money in real estate, they often think of one thing: appreciation. Buy low, sell high. But that’s only part of the story. What sets real estate apart—what makes it such a powerful engine for financial independence—is that it pays you in fourdifferent ways. These four levers of wealth creation, when used…

In the spring of 2009, I drove to work in a BMW convertible, seat warmers on, thinking I had “made it.” I was on track. I held an MBA, a respectable corporate title at a multinational telecom, and what I believed was job security. That illusion shattered when I walked into a quiet conference room…