MicroBanking Method Review

created by Rick Melero

The article is an in-depth review of the course “MicroBanking Method”, created by Rick Melero. The author, an investment analyst with over 7 years of experience, shares her impressions of the strategy of investing in private loans in the real estate sector.

Ashley Roberts

As an investment analyst with over 7 years of experience generating consistent profits in the financial market, I’ve seen my fair share of investment strategies come and go. When I first heard about Rick Melero MicroBanking Method, I was intrigued but skeptical. After all, in this industry, if something sounds too good to be true, it often is. However, given my background in alternative investment strategies and real estate financing, I decided to take a deep dive into this method to separate fact from fiction.

In this review, I’ll share my honest insights on the MicroBanking Method, breaking down its core principles, potential benefits, and the risks that every savvy investor should be aware of. Whether you’re a seasoned real estate investor or someone looking to diversify your portfolio, my goal is to provide you with a comprehensive analysis that will help you make an informed decision about whether this strategy aligns with your investment goals and risk tolerance.

Let’s peel back the layers of the MicroBanking Method and examine what it really offers to those willing to venture into the world of private lending and loan flipping.

What is MicroBanking Method?

As I delved deeper into the MicroBanking Method, I discovered that it’s essentially a real estate investment strategy that focuses on private lending with a twist. The method teaches aspiring investors like us how to make money by providing loans to real estate buyers or investors who might struggle to secure traditional bank financing.

Here’s the interesting part: instead of holding onto these loans for the long term, the MicroBanking Method instructs us to flip the loan contracts to institutional lenders. This approach allows us to:

The goal is to close multiple transactions per year, potentially 6-10 or even more, which could lead to significant profits. For example, Rick Melero suggests that closing just 6 deals a year could result in earnings of around $48,000 to $80,000.

Who Created MicroBanking Method?

The mastermind behind the MicroBanking Method is Rick Melero, a name that’s been making waves in the real estate investment world. Rick’s story is quite compelling – he left home at 17 and started with nothing, living in his friend’s trailer. Over two decades, he built his expertise in real estate and alternative lending.

Today, Rick is the co-founder and principal of HIS Capital Group, LLC, a Florida-based residential and commercial real estate investment firm that operates both in the U.S. and abroad. His company reportedly closes millions of dollars in deals each month.

Rick’s reputation in the industry seems to be growing. He’s positioned himself as not just a successful investor but also as a mentor eager to share his knowledge with others. However, as an experienced analyst, I always approach such claims with a healthy dose of skepticism. While Rick’s success stories are impressive, it’s crucial to remember that individual results can vary significantly in the world of real estate investing.

Who is MicroBanking Method For?

From my analysis, the MicroBanking Method seems to target a specific group of aspiring investors:

Individuals Seeking Alternative Investment Strategies: This method appeals to those who are looking for ways to invest in real estate without traditional property ownership or management.
People with Limited Capital: Rick emphasizes that his method is accessible to individuals without extensive financial resources. However, I’d caution that some capital is still necessary to get started.
Aspiring Entrepreneurs: The course is designed for those who want to build a business in the alternative lending space, potentially transitioning away from their day jobs.

Real Estate Enthusiasts: While prior experience isn’t required, having an interest in and basic understanding of real estate markets would be beneficial.
Risk-Tolerant Investors: Given the nature of private lending and the potential for borrower defaults, this method is best suited for those who can handle a degree of risk.
Those Seeking Passive Income: The method promises the potential for generating passive income through building a portfolio of loans. However, I’d argue that active involvement is still necessary, especially in the beginning stages.

It’s important to note that while the MicroBanking Method is marketed as accessible to anyone, success in this field requires dedication, careful risk assessment, and ongoing education about market conditions and lending practices. As with any investment strategy, thorough due diligence is crucial before diving in.

How is MicroBanking Method structured?

As I examined the course structure, I found that Rick Melero’s MicroBanking Method is organized into a 6-module program designed to guide students through the intricacies of this alternative lending strategy. Here’s a brief overview of what each module covers:

Fundamentals: This module introduces the core concepts of microbanking and distinguishes it from traditional private and institutional lending.
Borrower Profiling: Here, we learn about identifying ideal borrowers, recognizing red flags, and implementing Rick’s unique underwriting process to minimize risks.
Deal Types: This section covers 10 types of real estate deals that microbankers can fund, including the differences between interest and equity deals.

Deal Structuring: Rick shares his playbook for structuring both interest and equity deals, as well as techniques for selling microbanking loans to other investors.
Problem Solving: This module addresses common challenges in microbanking and provides strategies for turning bad deals around.
Advanced Strategies: While not explicitly mentioned, I assume this final module covers more complex aspects of the method.

The course also includes bonus materials such as templates, customer acquisition strategies, and case studies to supplement the main content.

How Much Does MicroBanking Method Cost?

The cost of the MicroBanking Method program is $97. However, it’s important to note that this is likely just the entry-level price. The program appears to include upsells, which means the total investment could be significantly higher depending on what additional features or modules you choose to purchase.

Praises For MicroBanking Method

As an experienced investment analyst, I’ve identified several potential benefits of Rick Melero’s MicroBanking Method:

Unique Investment Approach: The MicroBanking Method offers a fresh perspective on real estate investing. It provides an alternative to traditional property ownership by focusing on private lending and loan flipping. This approach could potentially open up new opportunities for investors looking to diversify their portfolios.
Experienced Mentor: Rick Melero, the creator of the MicroBanking Method, is a proven successful investor. His background in real estate and alternative lending lends credibility to the program. Learning from someone with hands-on experience can be invaluable for aspiring investors.
Potential for High Returns: The method claims to offer the possibility of substantial profits through fees and interest rates. While actual returns may vary, the potential for higher yields compared to traditional investment vehicles could be attractive to risk-tolerant investors.

Flexibility and Control: The MicroBanking Method allows investors to have greater control over their investment decisions. This flexibility enables individuals to tailor their investment strategy according to their risk appetite and financial goals.
Accessible Entry Point: With an initial cost of $97, the program appears to have a relatively low barrier to entry. This could make it an attractive option for those looking to explore alternative investment strategies without a significant upfront commitment.
Deal Types: This section covers 10 types of real estate deals that microbankers can fund, including the differences between interest and equity deals.

Points to Be Improved for MicroBanking Method:

Lack of Social Proof: There are not many testimonials or case studies from students who have successfully applied the method.
Lack of Details about the Course: Specific information about the content of the modules and bonuses offered could really inform the review.
Limitation of Sources: The review is based primarily on the author's experience, without references to other reviews or external data.

Should You Join MicroBanking Method?

After carefully analyzing the MicroBanking Method, I believe that yes, you should consider joining this program if you’re looking to explore alternative real estate investment strategies. Here’s why:

Innovative Approach: The MicroBanking Method offers a unique perspective on real estate investing that could potentially open up new avenues for profit.
Learning Opportunity: Even if you decide not to fully implement the strategy, the knowledge gained about private lending and loan flipping could be valuable for your overall investment education.
Low Initial Investment: With an entry price of $97, the risk of exploring this method is relatively low compared to many other investment courses or strategies.

Potential for High Returns: While results may vary, the method does present the possibility of substantial returns for those willing to put in the effort and take calculated risks.
Flexibility: The MicroBanking Method allows for a degree of flexibility in terms of deal selection and risk management, which could be beneficial for investors looking to tailor their strategy.

Conclusion

The MicroBanking Method stands out as a practical, straightforward, and accessible gateway into the world of collateralized lending. It’s not a magic formula and won’t replace experience, but it offers a solid foundation for investors ready to move beyond conventional strategies and tap into a less crowded market.

Important: Access is only available through the official website and may be limited due to high demand. If this approach aligns with your goals, now is the time to act—before enrollment closes or pricing changes.