Now That Rising Interest Rates Make Real Estate Investment Difficult, Shift to Minpaku Investment to Increase 'Monthly Cash Income' - Free Online Seminar on 'Profitable Minpaku M&A' Compared with NISA and Side Jobs, Held on October 3 (Sat) | Explained by Former Banker

Now That Rising Interest Rates Make Real Estate Investment Difficult, Shift to Minpaku Investment to Increase 'Monthly Cash Income' - Free Online Seminar on 'Profitable Minpaku M&A' Held on October 3 (Sat) at 13:30

Finance Eye Inc. (Headquarters: Osaka City, Osaka; President: Takuo Tanaka), which operates 'Tanaka's Minpaku Investment,' will hold a free online seminar (ZOOM) on 'Profitable Minpaku M&A' on October 3, 2026 (Sat) from 13:30, targeting real estate investors, company employees considering or already engaged in side jobs, and those interested in starting a minpaku business or minpaku M&A.

The theme this time is 'Shift to Minpaku Investment to Increase Monthly Cash Income in the Era of Rising Interest Rates.'

Due to rising interest rates, high prices, and stagnant real estate prices, traditional real estate investment that involves 'increasing borrowing to buy properties' makes it difficult to secure cash flow after repayment. On the other hand, NISA is suitable for long-term asset building but is not a mechanism to increase 'cash available this month.'

Under these circumstances,

'Instead of asset value, how much cash remains each month after paying loans and fixed costs?'

An increasing number of real estate investors, company employees, and seniors around retirement are re-evaluating their investments from this perspective.

In this seminar, we compare real estate investment, NISA, starting a minpaku from scratch, and 'Profitable Minpaku M&A,' which involves acquiring a minpaku business with a proven sales record.

Furthermore, we will explain financial planning and loan consultations leveraging collaboration with the Japan Finance Corporation, deal selection from a bank loan evaluation perspective by a former banker, how to identify minpaku deals you should not buy, post-purchase operation and outsourcing, expansion to a second and third property, and future sale and exit.

Date and time: October 3, 2026 (Sat) 13:30~

Format: Online ZOOM (free participation)

Official website details here

ZOOM application here

Application from Rakumachi here

Recommended for those considering the 'next move' in real estate investment, side jobs, and NISA

・Real estate investors whose profitability or next property purchase is becoming difficult due to rising interest rates

・Company employees considering or already engaged in side jobs

・Those who want to start a minpaku business or are interested in minpaku investment and minpaku M&A

・Those who want to increase monthly cash flow in addition to asset building through NISA, etc.

・Those who want to create an income stream other than salary and pension and accelerate asset building

In the era of rising interest rates, 'Assets increased. Borrowings increased. As a result, how much did cash increase?'

Real estate investment has the major feature of receiving long-term loans from financial institutions and holding assets exceeding one's own capital. On the other hand, what matters to investors is not just the amount of assets held.

From rental income,

・Loan

・Repayment

・Interest

・Management fees

・Repair costs

・Property tax

・Insurance and vacancy losses

After deducting these, the perspective of 'how much cash remains in your hands each month' is also important.

Do you want to increase assets? Do you want long-term asset building? Or do you want to increase monthly disposable cash income separate from your main job salary and pension? The method you choose depends on your investment purpose.

In this seminar, rather than denying real estate investment, we will explain the option of 'acquiring a minpaku business that generates business profits through M&A' after comparing the characteristics of each.

New case study of a 30s company employee: Mr. K from the finance department of a listed company sought an 'engine that generates cash'

This time, we introduce a new case study: Mr. K, a company employee in his 30s working in the finance department of a listed company.

Mr. K is involved in the company's numbers and funds in his main job, such as finance and accounting, while also already practicing real estate investment himself.

In other words, this is not a case of 'moving to minpaku because real estate investment failed.'

Mr. K understands the merits of real estate investment and leverage through borrowing, and still holds real estate.

On the other hand,

'Real estate prices are rising'

'Interest rates must also be considered'

'It is difficult to find deals that leave sufficient cash flow after repayment'

'To expand further, additional borrowing is needed'

He was also thinking about the current investment environment.

What he sought next was 'having an engine that generates cash, not just increasing assets.' And what he chose was 'Profitable Minpaku M&A,' which involves succeeding a minpaku business with an operating track record through M&A.

Mr. K completed the acquisition of the minpaku business. Furthermore, rather than leaving everything to an operation agency, he first understands Airbnb settings, guest management, cleaning systems, guest response, emergency response, and selection of outsourcing partners himself, and is considering expanding the system built with the first property to a second and third property in the future.

Interview article with Mr. K

YouTube video of a conversation where you can hear Mr. K's real story

'I felt very secure because they accompanied me' - Mr. K on minpaku M&A

In M&A, the decision to acquire is not the end. In Mr. K's case, water leak response and construction work occurred after the acquisition. In addition, there are practical tasks that only become visible after actually operating, such as permits, Airbnb settings, guest lists, cleaning, guest response, and emergency dispatch systems.

In other words, 'buying a profitable minpaku does not mean you can do nothing.' That is why pre-M&A due diligence and post-acquisition accompaniment are important.

Mr. K evaluated the support from 'Tanaka's Minpaku Investment' as 'I felt very secure because they accompanied me.' Being able to consult on the deal's numbers, necessary documents and evidence, contracts, and post-acquisition operations each time is an important point for company employees tackling minpaku M&A for the first time.

30s, 40s, 60s. Common 'cash income other than salary and pension' regardless of age

At 'Tanaka's Minpaku Investment,' company employees and investors of various ages are considering and practicing minpaku M&A.

30s: Mr. K Works in the finance department of a listed company. While practicing real estate investment, he acquired a minpaku business through M&A as an 'engine that generates cash.'

Case of a 30s company employee To create an income stream other than his main job, he considered real estate investment for several months. After comparing interest rates, loan amounts, and time to cash flow, he chose a profitable minpaku M&A in Tokyo.

Case of a 40s company employee While specifically considering real estate investment of tens of millions of yen, he re-evaluated the investment method from the perspective of 'how much cash remains in his hands after loan repayment.' Currently, he is comparing profitable minpaku M&A deals.

Case of a 60s retiree Rather than just 'increasing assets over the next 20 or 30 years,' he is practicing minpaku M&A from the perspective of converting the assets he has built into 'a mechanism that generates cash every month.' He is thinking about the business including future sale and exit.

A 30s company employee also chose minpaku M&A after researching 'real estate investment' for several months

At 'Tanaka's Minpaku Investment,' there are cases where people actually advanced to profitable minpaku M&A while working as company employees.

Mr. S, a 30s company employee, did not initially consider minpaku M&A.

The starting point was the idea, 'I want to create another income stream besides my salary.'

So, first, he considered real estate investment