Kirkland Washington open house (Condo by Juanita Beach) with view of water & Park

David Kowal Lender & Realtor Professional

Jan 31, 2026

linktr.ee/keyswithkowal 9715 Northeast Juanita drive number 206 Kirkland, WA $898k Seller is motivated, accepting all offers

Why a $50K Earner Can Build More Wealth Than a $200K Spender

David Kowal Lender & Realtor Professional

Jan 15, 2026

Visit linktr.ee/KeysWithKowal Ever wonder why someone earning $50,000/year could end up wealthier than someone making four times as much? 💸 It’s not just income — it’s how you use it. In this video, we break down the surprising ways high savers gain long-term financial leverage: avoiding PMI, skipping unnecessary insurance, reaching accredited investor status faster, and even saving on healthcare. Whether you're chasing Financial Independence (FI) or trying to escape the paycheck-to-paycheck trap, you'll learn why saving is the ultimate wealth-building tool — no matter your income. 🔍 Topics Covered: The psychology of wealth vs. income How a high savings rate unlocks freedom & options Stealth wealth strategies you can use today How to lower your FI target and reach it faster Real-world lifestyle choices that cut costs & boost health 🧠 Financial independence isn't about deprivation — it's about strategy, systems, and intentional choices. Start stacking wins today.

Passive Real Estate Income in 2026: How to Invest Without Being a Landlord

David Kowal Lender & Realtor Professional

Jan 7, 2026

Get more information linktr.ee/keyswithkowal for all my socials. Real estate remains America’s favorite long-term investment strategy—outpacing stocks, savings accounts, and even gold. But not everyone wants to flip houses, manage tenants, or run short-term rentals. That’s where passive real estate investing comes in. In this video, we break down how to build passive income with real estate in 2026—without the headaches of active property management. You’ll learn what passive real estate investing really is, how it compares to active strategies like flipping and BRRRR, and which options make the most sense based on your financial goals. We cover: • What passive real estate investing is and how it works • Passive vs. active real estate investing (and a hybrid approach) • The pros and cons of passive real estate income • REITs, real estate crowdfunding, turnkey rentals, and remote ownership • How much you can realistically earn • Risks, tax considerations, and long-term strategy planning • How to get started as a passive real estate investor in 2026 Whether you’re investing for monthly cash flow, retirement, college savings, or long-term wealth, this video will help you understand how to make your money work for you—without being hands-on. If you’re curious about REIT investing, passive rental income, or hands-off real estate strategies, this guide will give you a clear framework to decide what’s right for you. 👉 Subscribe for more real estate investing, passive income, and wealth-building strategies.

What rate cuts means for the Holidays

David Kowal Lender & Realtor Professional

Nov 24, 2025

Check out all the videos and important checklists at linktr.ee/keyswithkowal 📈The Federal Reserve just cut rates again, and this move may have opened one of the strongest real estate buying windows we’ve seen in years. Whether you're a homebuyer, investor, or exploring options for the new year, this video breaks down what the latest Fed decision means for mortgage rates, cash flow, affordability, and market timing. In this video, you’ll learn: • Why the Fed’s newest rate cut matters right now • How falling mortgage rates impact buyers and investors • Why the holiday season is becoming a powerful buying window • The smartest strategies for investors in a shifting market • How to position yourself for the next rate drop in December If you're planning to buy, sell, refinance, or invest—this is the update you need to stay ahead of the market.

Stealth Wealth Upgrades That Don’t Break Your FI Goals

David Kowal Lender & Realtor Professional

Nov 17, 2025

📍 Get guides, resources, and free consultations: 👉 www.linktr.ee/keyswithkowal 🏠 Build wealth intentionally and enjoy the journey — not just the destination. Start optimizing your money and mindset today: www.linktr.ee/keyswithkowal Most people on the path to Financial Independence (FI) think freedom means sacrifice — cutting every expense, skipping every indulgence, and waiting years to enjoy life. But that’s not the point of FI. In this video, David Kowal breaks down how to live better now while staying financially independent in the making. Learn how to apply “stealth wealth” principles that let you upgrade your lifestyle without derailing your goals. ✅ What You’ll Learn: How to enjoy “luxury” while staying frugal and intentional The best everyday upgrades that compound your happiness Simple “micro-adventures” that bring joy without blowing your budget When outsourcing chores actually increases your return on life How to bring spa-day or café luxury into your home affordably Why spending on community and connection is the most powerful investment of all 💡 The Big Takeaway: Financial Independence isn’t about deprivation — it’s about freedom. Freedom to design a life that feels rich, not just one that looks frugal.

Why Your CPA Isn’t Enough: The Missing Pieces in Real Estate Tax Strategy

David Kowal Lender & Realtor Professional

Nov 14, 2025

🏠 Start your home and wealth strategy today: www.linktr.ee/keyswithkowal 👉 Explore buyer guides, tax strategy resources, and one-on-one consultations with David Kowal – REALTOR® & Lender | Keys with Kowal 💡 Why Your CPA Isn’t Enough: The Missing Pieces in Real Estate Tax Strategy Your CPA is great at filing your taxes — but that’s only half the story. Most real estate investors lose thousands each year because their CPA looks backward, not forward. In this video, David Kowal explains why traditional CPAs focus on compliance instead of strategy — and how proactive, real-estate-focused tax planning can help you keep more of what you earn. ✅ You’ll Learn: The real difference between tax preparation vs. tax strategy Why many CPAs miss major investor deductions How to use cost segregation, 1031 exchanges, and QBI deductions strategically The importance of entity structure optimization (LLC, S-Corp, DST, Series LLC) How to integrate your CPA, attorney, and financial planner for a coordinated approach Real-life examples of investors saving tens of thousands through proactive planning 💰 Key Takeaway: If your CPA only looks at your numbers once a year, you’re missing 80% of the strategies that preserve and grow your wealth. The smartest investors make tax planning a year-round activity. 📍 Ready to take the next step? 👉 Visit www.linktr.ee/keyswithkowal to access tools, checklists, and schedule your personalized real estate wealth consultation.

Open house at 161 18th Ave Seattle Nov. 1 I'm here till 4:00 pm, November 2, all day.

David Kowal Lender & Realtor Professional

Nov 1, 2025

🏡 Modern Seattle Living in the Heart of the Central District! 📍 161 18th Ave, Seattle, WA 98122 💰 Offered at $1,197,500 🛏 4 Bedrooms | 🛁 2.5 Bathrooms | 📐 2,070 Sq Ft | 🚗 Off-Street Parking Welcome to this stunning contemporary home located in one of Seattle's most vibrant and walkable neighborhoods! Thoughtfully designed with luxury finishes, tons of natural light, and an incredible open layout—perfect for today’s lifestyle. ✨ Property Highlights: Sleek chef’s kitchen with quartz countertops, gas range, and modern cabinetry Spacious primary suite featuring a spa-like bath and walk-in closet Rooftop deck with unobstructed views of Downtown Seattle & Mount Rainier Energy-efficient systems and A/C for year-round comfort Fully fenced yard and secure parking 📍 Location Perks: Just minutes to Capitol Hill, Downtown, and the Seattle University campus Walking distance to local cafes, parks, and shops Excellent commuting access via I-5, I-90, and light rail 🗝️ Whether you're looking for luxury, location, or lifestyle — this property checks all the boxes. 👇 Contact David Kowal for a private tour or more information: 📞 Call/Text: 425-777-1509 🔗 Link in bio for details: https://linktr.ee/keyswithkowal 🎥 Don’t forget to like, comment, and subscribe for more Seattle real estate tours!

Waterfront Living in Kirkland | 9715 NE Juanita Dr #206B | Steps to Juanita Beach!

David Kowal Lender & Realtor Professional

Oct 26, 2025

🏡 YouTube Description Click here to start your home journey today: https://linktr.ee/keyswithkowal Welcome to 9715 NE Juanita Dr #206B, a beautifully updated condo located in the heart of Juanita Bay, Kirkland — just steps from the water, parks, restaurants, and shopping! This stunning home features spacious interiors, a private balcony with peek-a-boo lake views, and access to one of the most sought-after waterfront communities on the Eastside. Whether you’re a first-time buyer, investor, or downsizer, this home offers unbeatable value and an incredible lifestyle — moments from Juanita Beach Park, Carillon Point, and downtown Kirkland. 🏠 Property Highlights: 2 Bedrooms | 2 Bathrooms Modern kitchen with stainless steel appliances Open-concept living & dining with cozy fireplace Covered parking + community amenities Minutes to Google, Microsoft, and Downtown Bellevue 💡 Thinking about moving to Kirkland or the Eastside? I’m both a Wholesale Lender & REALTOR®, helping buyers unlock the best home and loan programs — including down payment assistance, FHA, VA, and jumbo options. 📅 Schedule your private tour today! 👉 https://linktr.ee/keyswithkowal #KirklandRealEstate, #JuanitaBeach, #KeysWithKowal, #KirklandWAHomes, #EastsideLiving, #SeattleRealEstate, #WaterfrontCondo, #KirklandCondos, #JuanitaBay, #MoveToKirkland, #SeattleSuburbs, #eeee, #KirklandWaterfront, #HomeTour, #PNWLifestyle, #LuxuryCondo, #OpenHouse, #realestatemarketRealEstateTour

📍 604 NW 77th St #D | Seattle, WA 98117 @ernestperaltarealtor

David Kowal Lender & Realtor Professional

Oct 23, 2025

Linktr.ee/KeyswithKowal 🏡 Charming Greenwood Townhome Tour | 604 NW 77th St #D Seattle, WA 98117 Welcome to this modern yet charming 2-bed, 2-bath townhouse in the heart of Seattle’s Greenwood neighborhood! Featuring 1,520 sq ft of open-concept living, a private garage, and sun-filled interiors — this home blends city convenience with cozy comfort. Located near local cafes, Green Lake, and Ballard hotspots, this home offers the perfect Seattle lifestyle. Whether you’re working downtown or exploring neighborhood breweries, you’ll love the easy access to everything the Seattle Northwest corridor has to offer. Listing Agent: Ernest Peralta eXp Real Estate 💰 Listed at $799,000 📍 604 NW 77th St #D | Seattle, WA 98117 🛏 2 Bedrooms 🛁 2 Bathrooms 📐 1,520 Sq Ft 🔑 Presented by David Kowal | Keys with Kowal 📲 Learn more or schedule a showing: https://linktr.ee/keyswithkowal 🌟 Video Highlights ✨ Spacious open-concept main floor ✨ Chef’s kitchen with stainless appliances & quartz counters ✨ Light-filled living room with gas fireplace ✨ Primary suite with walk-in closet & ensuite bath ✨ Private balcony and attached garage ✨ Walk to shops, parks & transit in minutes 📍 Perfect for You If You Love: ✔ Modern urban living with a neighborhood feel ✔ Greenwood & Phinney Ridge restaurants and cafés ✔ Easy commute to Downtown Seattle or SLU ✔ Pet-friendly homes near parks and trails 🔍 Seattle real estate, Greenwood Seattle homes, Seattle townhouse tour, homes for sale in Seattle, Seattle open house, Seattle neighborhoods, Keys with Kowal, David Kowal REALTOR, Seattle condo alternative, modern townhome Seattle, Seattle real estate market 2025 📣 Hashtags #SeattleRealEstate #GreenwoodSeattle #SeattleTownhouse #KeysWithKowal #DavidKowalRealtor #SeattleHomes #SeattleLiving #TownhouseTour #SeattleOpenHouse #PNWRealEstate #GreenLakeSeattle #BallardSeattle #SeattleNeighborhoods #RealEstateSeattle #HomeTour #SeattleLifestyle #ErnestPeralta #SeattleBroker #SeattleHomes

Build-to-Rent Is Exploding — Here’s What It Means for Investors

David Kowal Lender & Realtor Professional

Oct 22, 2025

📅 Ready to explore your next real estate move? Book a time with me directly at https://linktr.ee/keyswithkowal 🏘 Rents Are Cooling, But Opportunity Is Heating Up! Nationwide rent growth is slowing, but a new real estate trend is reshaping the market — Build-to-Rent (BTR) communities. Funded by institutional investors and designed for renters who want suburban living, BTR homes are changing the game for real estate investors and homebuyers alike. In this video, I break down: Why rent growth is slowing nationwide How Wall Street’s investment in Build-to-Rent communities impacts everyday investors The pros and cons of buying or investing in BTR properties How smaller investors can still compete — and win 📍 Serving the Seattle & Eastside markets: Kirkland, Bellevue, Redmond, Sammamish, and beyond. 🏡 Helping home buyers, sellers, and investors make smarter moves with data-driven insights and wholesale lending advantages. David Kowal Wholesale Lender & REALTOR® | Keys with Kowal

Investor Surge 2025 Explained | Why Investors Are Buying Homes Despite High Rates

David Kowal Lender & Realtor Professional

Oct 10, 2025

🏠 Start your home journey today — guides, checklists & resources: https://linktr.ee/keyswithkowal 🚨 INVESTOR SURGE 2025: What’s Driving It? 🏠📈 While most buyers wait for rates to drop, investors are buying homes at record speed — and reshaping the 2025 housing market. In this video, I break down why investor purchases are surging, what’s behind the trend, and how you can position yourself to profit before the next big wave hits. 💡 You’ll learn: Why investors are dominating the market despite high mortgage rates How DSCR loans are helping them buy smarter Why cash buyers and rental income are driving the new investment boom What smaller investors can do now to compete with Wall Street The data doesn’t lie — nearly 1 in 3 home sales in early 2025 were investor purchases. With the Fed cutting rates and rental demand climbing, opportunities are opening fast for strategic buyers and investors. 📊 Whether you’re a real estate agent, investor, or first-time buyer, this breakdown gives you the insights to move smarter, not just faster. 📍 I’m David Kowal, REALTOR® & Wholesale Loan Officer with eXp Realty and NEXA Mortgage, serving the Seattle & Eastside markets. Let’s chat — it could change your financial future.

8 week out Seattle & Eastside Moving Checklist

David Kowal Lender & Realtor Professional

Oct 9, 2025