Check out the latest edition of our newsletter!
IN IT FOR THE LONG RUN WHAT A 48-YEAR RELATIONSHIP TEACHES ABOUT LIFE AND BUSINESS
Not many people can say they’ve known someone since junior high and still be married nearly four decades later, but that’s my story with Gina. We go all the way back to junior high in a small Iowa town. Imagine 14-year-old Darin, awkward but determined to figure out how to ask a girl to a movie without embarrassing himself. And that girl? Gina. I spent years pursuing her, getting turned down, and thinking maybe it was hopeless. But one summer night, a few years later, at a high school party, a conversation led to a phone call, which led to a long-awaited first date, and we’ve been inseparable ever since. That was 48 years ago. Thirty-seven of those years, we’ve been married. Here’s the thing: People ask me, “How do you make a marriage last that long?” Honestly, it’s not some magic formula. It’s a partnership. Mutual support over coaching, collaboration over blame. Gina doesn’t need to know every tiny detail of my business, but she understands the big picture. She’s in the room for the important discussions, and we make decisions together. I don’t tell her what she needs to do, and she doesn’t tell me. We figure it out as a team. That approach has carried over to every aspect of life, from running a business to raising a family.
would have thought I was crazy. But Gina? She didn’t shut me down, but she didn’t just nod along either. No, she asked questions, helped me think through the risks, and trusted me to make the right calls. That trust, our faith in each other, has been the backbone of both our marriage and business. It’s not blind trust. It’s the kind that comes from knowing each other, from decades of shared victories, mistakes, and lessons learned. Let me tell you something else: Good relationships (and good investments) have peaks and valleys. There’s no avoiding the ups and downs. You’re going to have disagreements, setbacks, and days when you just want to throw in the towel. The difference is knowing that’s normal. You don’t walk away at the first sign of trouble. You don’t let unrealistic expectations run the show. You understand it’s a long-term game, whether it’s marriage or multifamily property investing. People sometimes ask how we balance it all. The truth? We don’t separate our lives. We don’t sit in our corners with totally separate worlds. We include each other. We discuss problems, big and small. She’s aware of the business, perhaps not down to the property taxes, but enough to see the landscape, weigh in, and keep me
Love Reading Our Newsletter? Share It With a Friend! Scan this QR code and send the website that pops up to your favorite fellow investor.
grounded. That’s invaluable. In real estate, as in marriage, having someone in your corner who sees the bigger picture changes everything. So, on Spouse’s Day this Jan. 26, I reflect on this: Gina and I have been in it together since junior high, and that’s how we’ve made it 37 years strong. It’s about partnership, trust, patience, and expecting the highs and lows. Apply that mindset to anything in life, be it business, friendships, or investing, and you’ll see the difference. And yes, sometimes she pisses me off, sometimes I piss her off, but we move on, we adapt, and we keep building. That’s the not- so-secret ingredient to anything worth having. –Darin Garman
When I first jumped into real estate, leaving a stable job, it was a massive leap. Most people
319-350-5378 1
Published by Newsletter Pro • NewsletterPro.com
Snowshoeing: Experience a new way to hike. Snowshoeing is like stepping into a live winter postcard. Strap on a pair at Jester Park or any county park that rents gear, and you’ll glide through snow- laden trees, bluff-lined trails, and quiet fields. Beginners should start with 30–45 minutes with a short break, then head back, savoring the crisp air. It’s peaceful, meditative, and a surprisingly good workout. Ice Fishing: Make memories drilling ice. For a more hands-on winter adventure, try ice fishing. Northern Iowa lakes like Brushy Creek near Fort Dodge are ideal for catching crappie and walleye, while Clear Lake boasts hundreds of anglers braving the cold for a bite. Storm Lake is another hotspot, offering great fishing and a chance to hang out in the camaraderie-filled atmosphere of ice-bound tents. Even if you’ve never drilled a hole in ice, a seasoned friend can turn it into a memorable day. Festivals and Snow Thrills: Enjoy kites and games galore. For something colorful, don’t miss the Color the Wind Kite Festival in Clear Lake on Feb. 21, featuring enormous, choreographed kites and live music. Bring your shades and your winter coat! If you’re feeling daring, the Polar Plunge at the Okoboji Winter Games on Jan. 24 raises funds for local fire and rescue while giving you a story you’ll never forget. Skiing, snowboarding, and tubing enthusiasts can hit Seven Oaks Recreation in Boone, while Hitchcock Nature Center’s Chute Trail in the Loess Hills delivers steep, twisty sledding action through scenic ravines.
Sure, Iowa winters can be frosty, but beneath that blanket of snow lies a playground for anyone willing to brave the chill. From quiet trails in the woods to adrenaline-pumping slopes, there’s no excuse to hibernate this season. Whether you’re looking to reconnect with nature, challenge yourself, or have fun with friends and family, the Hawkeye State has it all. Winter Camping: Sleep in a snow-covered wonderland. Camping isn’t just a summer pastime. Yellow River State Forest in Harpers Ferry offers non-electric sites year-round, perfect for those who love the quiet crunch of snow underfoot. The Paint Creek Unit offers a more comprehensive experience, featuring miles of trails for hiking, horseback riding, and cross-country skiing, as well as fishing and hunting opportunities.
Dress warm, pack snacks, grab friends or family, and make this winter unforgettable!
How to Actually Beat the Fed at Its Own Game
It’s what has driven sales from Fortune 500 companies’ stock to penny stocks: Being able to predict the future, more specifically, the financial markets. There probably isn’t a day that goes by in my office where I don’t get a “Pitch Piece” from someone selling a stock, bond, oil, gas, gold, silver, etc., where the company making the “Pitch” is doing one thing ... Saying they REALLY believe that “their investment” is going to go up in value, and in some cases, “skyrocket!” Then, providing evidence (mainly voodoo evidence) that this is going to happen. More than likely, you have also seen such things, especially in today’s economy. Do these people really know that their stock, bond, or whatever is going to increase in value? No, they don’t. Because they cannot control the markets. No one can. But they DO have a 50% chance of getting it right, don’t they? However, here is the prediction, and I am fairly certain it will be right on the mark … The financial markets
our collections are over the 99% range!) I mean, if there were ever a case to invest your money in one or more great apartment properties in the very near future, the track record of our politicians in Washington is a pretty compelling case to make. We can all see the writing on the wall here if this goes sour in 2026. Oh, you can trust the politicians to save all of this at the last minute … If you are an investor who chooses to avoid or ignore what is happening and thinks it will all somehow “work out” in the next year or so, that is, of course, your choice. However, if you are negatively impacted by the financial markets in the coming months, you can’t say it’s not because you didn’t see this coming. It’s coming. Like an avalanche! So, please call or text me at 319-350-5378 , and I can provide you with a no-obligation idea of some of the nice return apartment properties I am working on with other investors like you.
could experience another significant decline, particularly amid ongoing political, social, and global economic unrest. Actually, it doesn’t take an economic genius to see this coming, does it? So, the now question is … What are YOU doing right now with YOUR money in the financial markets? I can tell you one place that will not start going into turmoil if the government, politics, cybercrime, and fast global trade, tariffs, and other economic shifts begin to appear: well- located, well-maintained apartments! No matter what the financial markets do, people will still need a place to live and pay rent to live there. (That is correct, even under current tariffs,
–Darin
2 DARINGARMAN.COM
Published by Newsletter Pro • NewsletterPro.com
To get your no-obligation prospectus on these current investments, simply contact Isaiah at isaiah@heartlandcondos.com or 319.540.9070 and get your hands on the information today. These opportunities will not last!
HEARTLAND MULTI- FAMILY 4-PLEX Own This 4-Plex Property. Two-Bedroom Units. Amazing Location. Garage. Management.
HEARTLAND MULTI- FAMILY 12-PLEX Own This Cash Flowing 12‑Unit Property! One-Bedroom Units
HEARTLAND MULTIFAMILY FUND Unbelievable Diversification: Owning and Investing in Over 1,100 Units! Join Darin and dozens of other passive apartment investors in this fund with a 10+ year track record!
Investors need to be accredited to invest; however, anyone may still obtain the information. Past performance does not guarantee future results. Please do careful due diligence before investing.
HUGE NEW STRATEGY! Landlord Scaling Tactic Allows Them to Own More Apartments & Eliminate Management! Watch Now: LandlordEquity.com
WHY 2026 MAY BE ONE OF THE WORST TIMES TO SELL YOUR APARTMENTS Watch Now: JoinNow.live/a/wiQmYo
Published by Newsletter Pro • NewsletterPro.com
319-350-5378 3
HEARTLAND MULTI-FAMILY INVESTMENT COMPANIES
PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
Darin and Isaiah Garman: Heartland’s Most Trusted Multi-Family Investment & Property Management Advisors
1350 Boyson Rd. A1 Hiawatha, IA 52233 DarinGarman.com 319-350-5378
Page 1 37 Years Married, 48 Years Knowing Each Other: Here’s What We’ve Learned Page 2 Frozen Fun: Your Ultimate Guide to Iowa’s Snowy Escapes How to Actually Beat the Fed at Its Own Game Page 3 Available for Investment Now ...
Free Apartment Investment Webinars
Page 4 5 HUGE Arguments Why You Should Own More Multifamily in 2026
5 HUGE Arguments Why You Should Own More Multifamily in 2026 TURN YOUR 2026 APARTMENT SALE INTO A SUCCESS STORY
It is already the beginning of a new year, and did you know the average age of the first-time home buyer right now is 40 years old? What does this tell you about the strength of multifamily units? Where do you think the future of multifamily housing is headed, knowing this ONE TREND will likely continue? By the way, this is only ONE OF FIVE 2026 TRENDS you will see this year: There are four others, and they are huge! Many of you reading this may already own a multifamily property (and, by the way, if you don’t, please make sure 2026 is the year you own your first property). My point? Even if you own multifamily right now, there are five HUGE ARGUMENTS you need to seriously look at and consider doubling down and owning more, especially in 2026! The thing is that these FIVE ARGUMENTS can cause, well, arguments! To answer to these arguments, I will be having a brief 20-minute online webinar where I will not only disclose “THE FIVE REAL ARGUMENTS” but also give you simple solutions and a framework to make sure you consider all five, and which one of the five is right for you in your current situation. It will be one of the BEST 20 minutes you have ever invested!
Some apartment property owners will let a special year like 2026 pass by without taking action! Even when these five trends come together all at once. Make sure you at least know of these 5 TRENDS so you can avoid being this year’s big loser!
Join me for this very important upcoming “5 ARGUMENTS” WEBINAR simply by going to: IowaMultiFamily.com
You can view the calendar of upcoming webinars I will be hosting on this topic and schedule a time that works best for you. As a fellow apartment owner with over 30 years of experience, and having sold billions of dollars’ worth of apartments, things are happening in 2026 you will want to be aware of. Join me on this webinar!
Sincerely,
–Darin
4
DARINGARMAN.COM
Published by Newsletter Pro • NewsletterPro.com
Page 1 Page 2 Page 3 Page 4 Page 5Made with FlippingBook Ebook Creator