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Exploring Life & Business with Daa’iyah Cooper of Capital Dynasty

Today we’d like to introduce you to Daa’iyah Cooper.

Hi Daa’iyah, we’d love for you to start by introducing yourself.
I have been a resident of Baltimore city for six years now. But I’ve lived up and down the East Coast. I was born in Northern New Jersey and raised in a small town in Southeast Georgia. For my undergrad and then later, my medical education and training, I’ve had the pleasure to live in and experience multiple cities and states including North Carolina, Washington DC, and New York City.

But honestly, Baltimore has been my favorite place to live since leaving home. Baltimore is where I gained my love and passion for real estate. I had finally completed all of my education and training upon moving here to Baltimore. This is where I had my first “big girl“ job. Finally, I wasn’t focused on studying and learning and had the ability to now focus on how I’m going to manage my new income and forge my future financial wellness.

This was of the utmost importance to me because I was not someone who came from money. I was the first person in my immediate family to achieve a professional degree. I also quickly realized that although I had reached what some people feel is the upper echelon of careers, I was still an employee. I still NEEDED to trade my time for money. That was not a long-term sustainable plan for me.

I didn’t want to fall into the trap of the comfort of the “golden handcuffs“. I began to seek out information about passive income, investment assets, and small businesses and realized that real estate spoke to me as it is a very tangible asset. I was already a landlord and had been for the past year prior. But, that was something I fell into so as to not take a loss on selling my out-of-state property in that previous buyer’s market.

So I became intentional and I invested in myself to get an education to learn how to properly find, purchase, and manage rental properties. On my very first property purchase in Baltimore, I was able to utilize a creative strategy that allowed me to purchase the property without running my own credit or having to qualify for a bank loan. I was able to start my Baltimore investment portfolio, create a beautiful place for a tenant to live, and also help out a tired landlord who wanted to sell.

I got to do all that without having to prove my financial worthiness to a bank. I was hooked! Creative real estate investing has been my passion since. Now, I find pleasure in continuing to grow my portfolio using traditional and creative strategies and teaching others how to do the same. I love chatting with current and budding investors and talking them through investing strategies on my consultation calls.

There are some amazing future landlords and developers out there who are going to do great things in this city.

We all face challenges, but looking back would you describe it as a relatively smooth road?
Well since the day I was born, there’s been no aspect of my life that’s been completely smooth. I came into this world in less than ideal circumstances. But, that has forged a tenacity in me that is invaluable to how I get through life. There have been several bumps on the road.

For instance, I’ve walked into my front door only to find a puddle of water from a plumbing leak in a property I purchased only two months prior. I’ve had to deal with unexpected property damage from a hurricane, furnace going out in the middle of winter, contractors disappearing on you, and tenants unexpectedly stopping paying.

I’ve had to start a brand new rehab of a multi-unit property right after a ransomware attack shut down Baltimore city and all its offices that manage real property including deeds and permits. I’ve had to deal with many of the above things all the while still working full-time as a physician in an unprecedented respiratory pandemic.

Alright, so let’s switch gears a bit and talk business. What should we know?
Capital Dynasty is a business that focuses on wealth building, particularly through real estate.

I have a special place in my heart for black women professionals as I feel we are the biggest group that often allows imposter syndrome to get in the way of taking action in real estate. We also are afraid to be vulnerable and reach out for help and instead, sit on the sidelines and watch others grow their portfolios.

Most of my clients are people who have never invested in real estate or who have just gotten started and want to move to the next level. Some of my clients have no idea which step they should take next and just need someone to help them talk through strategy. Other clients have an idea of how they want to pivot in their real estate journey and know what strategies they want to use but need someone with experience to guide them.

Although I work with people who need help navigating the traditional real estate market and traditional real estate financing, I am known for my passion for and experience with creative real estate investing. People come to me when they want to think out of the box on how to grow their portfolios. I help clients to:

  • Optimally manage current resources and find any potential new resources to help purchase and/or renovate the property.
  • Set up short (mid) term rental properties that target travel professionals.
  • Analyze deals/run numbers.
  • Become self-sufficient in finding deals, particularly in this sellers market.
  • Strategize pitching and structuring creative financing with sellers.

Can you talk to us a bit about the role of luck?
I don’t believe in luck. I am a spiritual person and a Christian. I believe in prayer, hard work with consistent effort, and faith. I also believe in having a positive outlook. You can’t control what happens to you but you can control how you respond to it.

Homeownership, real estate investing, and property management comes with expected obstacles and headaches. I believe if you go into the above endeavors knowing and fully expecting that things are not always going to run smoothly when these mishaps arise, you can tackle them with less angst, anxiety, and oftentimes with joy knowing that these are GOOD problems to have.

I’d rather have the problems that come along with asset ownership and entrepreneurship than those problems that arise with scarcity.

Contact Info:

Image Credits
Tchad Dublin

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