Check out the latest edition of our newsletter!
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.
THE MOMENT I REALIZED LEADERSHIP WASN’T OPTIONAL NOBODY’S BORN A LEADER. YOU EARN IT THE HARD WAY
National Leadership Day always makes me laugh because if you’d told me years ago that I’d be writing about leadership, I probably would’ve rolled my eyes. I didn’t wake up one morning, buy my first multifamily property, and suddenly become a leader. That’s not how it works. Leadership doesn’t arrive fully formed. It shows up awkwardly, uncomfortably, and usually right when I feel least prepared for it. When I got into real estate, I thought success was about numbers. Cash flow. Cap rates. Deals. What I didn’t think about was the moment when people start looking at you for direction. Maintenance teams. Property managers. Partners. And eventually, your own family. That’s when leadership sneaks up on you. The uncomfortable part is this: Leadership forces you to do hard things. You have to set standards, even when those standards aren’t popular. You have to say what is and isn’t acceptable, knowing full well that your expectations won’t always match someone else’s. That’s not natural for most people. It certainly wasn’t for me. I didn’t grow up taking classes on how to paint a vision or explain why standards matter. None of us did.
figure out you’re learning as you go. But here’s the truth I’ve learned the hard way: Every leader is learning as they go, even the ones we put on pedestals. Jeff Bezos didn’t start Amazon thinking, “I’d better master leadership.” Steve Jobs didn’t set out to be a role model. They built something, and leadership was demanded of them along the way. Another thing people don’t talk about enough is that most people actually want to be led. Not bossed around, but guided. Direction is comforting. In my business, most of my guys don’t want to carry the vision in their heads all day. They want clarity. What needs to get done today, and why it matters. That “why” part is everything. Without it, leadership is just a to-do list. With it, people buy in. And this doesn’t stop at work. Leadership follows you home. You’re leading a family whether you like it or not. And no, that doesn’t mean barking orders or playing some outdated authoritative role. Sometimes, leadership looks like being present, asking how someone’s day went, or sitting down together to talk about what matters next. On New Year’s Eve, we usually have lasagna and a family meeting. We talked about what worked, what didn’t, and where we wanted to go. That simple act carried more weight than any speech ever could. The longer I do this, the more I think about legacy. Not in some dramatic sense, but in the quiet, daily decisions. What impact does this choice have long-term? On my business. On my family. On people who will never know my name. When you start thinking that way, leadership stops feeling like work. It starts feeling like purpose. Leadership is a muscle more than it is a title. You build it by using it, even when it feels uncomfortable. Especially when it feels uncomfortable, and the truth is that if you’re willing to step into that discomfort, the satisfaction on the other side is worth every bit of it. –Darin Garman
What made it harder was the voice in my head saying, “Who are you to lead anyone?” That impostor syndrome is real. You worry someone’s going to
319-350-5378 1
Published by Newsletter Pro • NewsletterPro.com
A Garden Escape in Okoboji Country TheOakwoodInnOkoboji.com
Old-World Romance in Dubuque HotelJulienDubuque.com
Nestled near Spirit Lake, The Oakwood Inn is a stunning bed and breakfast that blends modern comforts with natural beauty, making it easy to slow down and savor time together. Picture cozy rooms with French doors, crackling fireplaces, and mornings that begin with the smell of a home-cooked breakfast drifting through the halls. Step outside to wander peaceful gardens or sip coffee while wrapped in a blanket on the patio. Opt for their Romance Package, which includes a seasonal floral arrangement, wine, charcuterie cups, and scented bath salts.
If history makes your heart flutter, Hotel Julien Dubuque delivers timeless elegance with a modern touch. From its ornate architecture to sweeping river views, this downtown gem feels straight out of a classic love story. Spend the evening sharing a candlelit dinner, unwind with a couples massage, or simply enjoy the ambiance of a place where even romantics like Abraham and Mary Todd Lincoln stayed. A Victorian Hideaway Above the Mississippi MontRest.com High on a wooded bluff in Bellevue, Mont Rest Inn offers sweeping views and storybook serenity. The restored mansion feels intimate and indulgent, with fireplaces, whirlpool tubs, and quiet corners made for lingering moments. Whether you’re watching river wildlife from the porch or enjoying a private dinner, it’s a getaway designed for togetherness. Whether you’re celebrating something new or honoring a love that’s grown deeper with time, these Iowa getaways offer space to reconnect, reminisce, and simply be together.
Sleep Under the Stars in Cedar Falls ThreePinesFarm.org
For couples who like romance with a dash of adventure, Three Pines Farm offers an unforgettable experience. The luxury tent setup lets you lie in bed and gaze at the night sky, all while staying warm, comfortable, and pampered. Outside, a firepit invites late-night chats and toasted marshmallows. And during winter, you can savor Fondue for Two and turn chilly nights into something wonderfully cozy.
Love doesn’t always require a plane ticket. Sometimes, the most memorable Valentine’s Day escapes are hiding here in Iowa, just a scenic drive away. Whether you’re craving lakeside serenity, starry skies, or old-world charm, these romantic spots offer the perfect excuse to unplug, reconnect, and maybe fall in love all over again.
How to Make 2026 Your Best Year Ever
With so much uncertainty ahead, we need to ensure we have a great year despite it all. And I’m here to go over exactly how you should do just that on this special newsletter members-only webcast!
There has probably never been a better time to have one of the best years you have ever had as a multifamily owner/investor. This is not just talk; it is not just some kind of New Year’s hype. It is a FACT that 2026 will be a terrific year for those who know how to navigate it correctly. Whether you are an owner of a fourplex, a passive investor, or you own your own 100-unit property, it is essential to know what is coming so you can make the best decisions proactively, making the hard things seem a lot easier for you.
• How to know your manager is doing what they need to do. A simple litmus test • And more!
Join me as we predict the future together! Right here: DarinGarmanTV.com
Or, you CAN TRUST the politicians to save all of this at the last minute …
Or, you can listen to the latest podcast or YouTube video from someone who has ZERO experience telling YOU what you should do.
Join me this month as I lay out exactly what I am predicting in 2026:
Or, you can “wing it,” bury your head in the sand, and hope it all works out for you.
• What artificial intelligence (AI) will really do this year to your apartments • What one SURPRISING THING you can do to EASILY outcompete other apartments • Will rents increase in 2026? The answer may surprise you • How to easily get relief from huge hikes in insurance, property taxes, and wages
So, join me this month and let’s make 2026 our best year ever as apartment owners and investors!
See you on the webcast!
–Darin
2 DARINGARMAN.COM
Published by Newsletter Pro • NewsletterPro.com
Garman Capital acquires, operates, and grows multifamily housing across Iowa and select Midwest markets. We invest alongside partners who value durable cash flow, disciplined operations, and long-term alignment.
Heartland Investment Partners Fund Status: Open to Qualified Investors Diversified multifamily acquisitions and operations.
Heartland Essential Housing Fund Status: Launching 2026 Essential and workforce housing strategy.
• • • •
Owner-operated assets Disciplined acquisitions Cash flow + appreciation
• • • •
Defensive housing focus
Inflation-resistant fundamentals
Long-duration ownership Stability-driven design
Passive ownership
Proven Execution 12-unit multifamily — Closed | 32-unit
Request Information Isaiah | isaiah@heartlandcondos.com | 319-540-9070 This material is provided for informational purposes only and does not constitute an offer to sell or a solicitation to buy securities. Investments may be offered only through formal offering documents and to qualified investors.
Northeast Iowa — Sold | 4-unit Southwest Iowa — Sold | Additional assets under management
HUGE NEW LANDLORD STRATEGY! Landlord Scaling Tactic Allows Them to Own More Apartments and Eliminate Management at the Same Time! Watch How Today At: LandlordEquity.com
FAST FORWARD YOUR PROGRESS! How to Use Apartment Properties to Create 10 Years of Wealth Accumulation in as Little as 9 Months!
Watch Why Today At: 9MonthInvestment.com
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 The Day You Step Up Is the Day Leadership Begins Page 2 Plan a Valentine’s Escape That Feels Effortless
How to Make 2026 Your Best Year Ever
Page 3 Multifamily Ownership and Investment Across Heartland
Free 2026 Apartment Investment Webinars
Page 4 This Isn’t a Gimmick: Your IRA Can Own Apartment Properties
How to Buy a 210-Unit Apartment Property Tomorrow With Your IRA or 401(k)
Dear Friend,
Real Estate Investment Fund. This Fund raised approximately $2,000,000 to invest in a 200-plus unit apartment property. Out of the $2,000,000, I had six investors contribute $50,000–$200,000 each from their IRA! Now, their IRAs own a terrific 200-plus unit apartment property.
For many reading this, you may already be wondering if this is a weird joke or a “new sketchy strategy” that I am hyping. I assure you that this is NOT the case. I can say this with OVER 100% confidence, not only because hundreds of my investment clients have done this over the years, but also because I have and AM personally doing this. But let’s take a step back. Can you really invest your IRA or 401(k) in an apartment property? The simple answer is YES, you can. Think of this. You are investing your IRA or 401(k) and getting all of the benefits that an IRA investment can give you, not only with the flexibility of being able to invest in quality small or even large (think 200-plus units) apartment communities, but also getting all of the benefits of income AND sale price TAX DEFERRED ! Arguably, there is no one in the multifamily real estate business who has MORE experience with this than I do with the Self-Directed Real Estate Investment IRA. This is one of the newest and most innovative individual retirement vehicles available today. For example, I recently put together a
Find Out How You Can Do What You Do Best. Owning Great Apartment properties AND investing your IRA or 401(k) AT THE SAME TIME!
Easy HOW TO Information is FREE today at ApartmentIRA.com
As we start 2026, I know that this could be an incredible strategy for you, but you likely need more information and details. In answer to this, I am hosting an information-rich webinar that reveals all the information you need to decide if this is something you should do in 2026 . Go here, right now, to discover just how much more you can do with your IRA by doing what you do best, owning terrific apartment properties! Use your IRA / 401(k) to have a great 2026!
–Darin
4
DARINGARMAN.COM
Published by Newsletter Pro • NewsletterPro.com
Multifamily Investment Platform | Portfolio Overview
Heartland Investment Partners Fund Status: Open to Qualified Investors • Diversified multifamily ownership • Iowa and Midwest markets • Owner-operated assets • Income plus long-term appreciation Heartland Essential Housing Fund Status: Launching 2026 • Workforce/essential housing focus • Defensive, demand-driven assets • Inflation-resistant fundamentals • Long-term ownership strategy
1200+ Units Owned & Operated
Multiple Acquisitions & Exits
Heartland Market Focus
Request Information Isaiah Garman isaiah@heartlandcondos.com | 319-540-9070
This material is provided for informational purposes only and does not constitute an offer to sell or a solicitation to buy securities. Investments may be offered only through formal offering documents and to qualified investors.
Page 1 Page 2 Page 3 Page 4 Page 5Made with FlippingBook Ebook Creator