# Passive Income Pros & Cons Matrix by Wealth Without Wall Street

> The Passive Income Pros & Cons Matrix is a free internal training resource from Wealth Without Wall Street. It compares 16 passive income streams side by side on four key factors (time, capital, influence and detail), lays out the pros and cons of each stream for every DISC personality style, and links the Wealth Without Wall Street podcast episodes that go deeper on each one.

URL: https://matrix.wealthwithoutwallstreet.com/
Cost: free (internal training, no charge, nothing for sale)
Publisher: Wealth Without Wall Street Media, LLC, Birmingham, AL (https://www.wealthwithoutwallstreet.com/)

## Key factors (scored 1-4)

| Stream | Time | Capital | Influence | Detail |
|---|---|---|---|---|
| Short-Term Rentals | 3 | 3 | 2 | 3 |
| Turn Key Long Term Rentals | 1 | 4 | 1 | 1 |
| Land Flipping | 3 | 2 | 3 | 3 |
| E-Commerce | 4 | 4 | 1 | 4 |
| Long Term Rentals | 3 | 4 | 2 | 2 |
| Private Lending | 2 | 4 | 1 | 2 |
| Syndication | 1 | 4 | 1 | 2 |
| Franchise | 4 | 4 | 2 | 3 |
| Notes | 3 | 4 | 1 | 3 |
| Car Sharing / Turo | 4 | 2 | 2 | 3 |
| Self Storage | 3 | 4 | 1 | 2 |
| Laundromat | 3 | 4 | 2 | 2 |
| Mid-Term Rental | 2 | 4 | 2 | 2 |
| Online Businesses | 3 | 3 | 1 | 3 |
| Creative Finance | 3 | 4 | 3 | 3 |
| Vending Machines | 3 | 2 | 2 | 2 |

Each stream is scored 1 to 4 on four factors. Time: 1 = 0 hours, 2 = 5 hours or less, 3 = more than 5 but less than 20 hours, 4 = 20+ hours. Capital: 1 = $1K or less, 2 = $1K to $5K, 3 = $5K to $25K, 4 = $25K+. Influence required: 1 = none, 2 = limited, 3 = moderate, 4 = advanced. Detail: 1 = none, 2 = low, 3 = moderate, 4 = tons.

## Podcast episodes by stream

### Short-Term Rentals
- [Ep 396: Breaking Down Short-Term Rentals as a Passive Income Option](https://www.wealthwithoutwallstreet.com/podcast/round-table-breaking-down-short-term-rentals-as-a-passive-income-option)
- [Ep 245: How Did We Start Over 20 Short Term Rentals in Under One Year](https://www.wealthwithoutwallstreet.com/podcast/round-table-how-did-we-start-over-20-short-term-rentals-in-under-one-year)
- [Ep 399: How to Dominate Short-Term Rentals as a Passive Investor with Sief Khafagi](https://www.wealthwithoutwallstreet.com/podcast/how-to-dominate-short-term-rentals-as-a-passive-investor-with-sief-khafagi)
- [Ep 367: How to Build a Passive Income Business as a Husband and Wife Team with Daniel & Danielle Wells](https://www.wealthwithoutwallstreet.com/podcast/how-to-build-a-passive-income-business-as-a-husband-and-wife-team-with-daniel-danielle-wells)
- [Ep 367: Things I Wish I Knew About The Short Term Rental Business with Clint Lovette](https://www.wealthwithoutwallstreet.com/podcast/things-i-wish-i-knew-about-the-short-term-rental-business-with-clint-lovette)
- [Ep 179: Earn $800 A Month Per Bedroom on Short-Term Rentals with Jon Bell and Julian Sage](https://www.wealthwithoutwallstreet.com/podcast/earn-800-a-month-per-bedroom-on-short-term-rentals-with-jon-bell-and-julian-sage)
- [Ep 138: How to Create the Value That You Want to Be Paid For Through Short-Term Rentals with Avery Carl](https://www.wealthwithoutwallstreet.com/podcast/how-to-create-the-value-that-you-want-to-be-paid-for-through-short-term-rental-w-avery-carl)

### Turn Key Long Term Rentals
- [Ep 53: The Keys to Having a Turnkey Rental Property Portfolio with Lindsay Davis of Spartan Invest](https://www.wealthwithoutwallstreet.com/podcast/the-keys-to-having-a-turnkey-rental-property-portfolio-w-lindsay-davis-with-spartan-invest)

### Land Flipping
- [Ep 394: Breaking Down Land Flipping as a Passive Income Option](https://www.wealthwithoutwallstreet.com/podcast/round-table-breaking-down-land-flipping-as-a-passive-income-option)
- [Ep 371: Making Money In Your Underpants with Tate Litchfield](https://www.wealthwithoutwallstreet.com/podcast/making-money-in-your-underpants-with-tate-litchfield)
- [Ep 347: The ABCs of Land Flipping with Mark Podolsky](https://www.wealthwithoutwallstreet.com/podcast/the-abcs-of-land-flipping-with-mark-podolsky)
- [Ep 337: Buying Land NOT Beer in College with Michaela C.](https://www.wealthwithoutwallstreet.com/podcast/buying-land-not-beer-in-college-with-michaela-c)
- [Ep 325: Land is a Gateway Drug to Financial Freedom with Brent Bowers](https://www.wealthwithoutwallstreet.com/podcast/land-is-a-gateway-drug-to-financial-freedom-with-brent-bowers)
- [Ep 311: Breaking Out of the Active Income Equation with Roberto Chavez](https://www.wealthwithoutwallstreet.com/podcast/breaking-out-of-the-active-income-equation-with-roberto-chavez)
- [Ep 250: How to Earn $15K a Month Land Flipping with Sid Christensen](https://www.wealthwithoutwallstreet.com/podcast/how-to-earn-15k-a-month-land-flipping-with-sid-christensen)
- [Ep 212: From Delivering Beer to Flipping Land with Adam Egloff](https://www.wealthwithoutwallstreet.com/podcast/from-delivering-beer-to-flipping-land-with-adam-egloff)
- [Ep 161: The Profitable Niche of Land Flipping with Adam Southey and Justin Sliva](https://www.wealthwithoutwallstreet.com/podcast/the-profitable-niche-of-land-flipping-with-adam-southey-and-justin-sliva)
- [Ep 102: Why Land Flipping Is A Viable Option For Building Wealth And Generating Passive Income with Mark Podolsky](https://www.wealthwithoutwallstreet.com/podcast/why-land-flipping-is-a-viable-option-for-building-wealth-and-generating-passive-income-w-mark-podolsky)

### E-Commerce
- [Ep 408: Breaking Down E-Commerce as a Passive Income Option](https://www.wealthwithoutwallstreet.com/podcast/round-table-breaking-down-e-commerce-as-a-passive-income-option)
- [Ep 425: How to Invest in an eCommerce Business Without Running It with Mike Vranjkovic](https://www.wealthwithoutwallstreet.com/podcast/how-to-invest-in-an-ecommerce-business-without-running-it-with-mike-vranjkovic)
- [Ep 369: Behind The Scenes of Building a 7-Figure E-Commerce Business with Neil Twa](https://www.wealthwithoutwallstreet.com/podcast/behind-the-scenes-of-building-a-7-figure-e-commerce-business-with-neil-twa)
- [Ep 301: Build Your Business on Amazon with Bry Shields](https://www.wealthwithoutwallstreet.com/podcast/build-your-business-on-amazon-with-bry-shields)
- [Ep 200: Using Financial Systems to Start Businesses with Justin Harris](https://www.wealthwithoutwallstreet.com/podcast/using-policies-to-start-businesses-with-justin-harris)
- [Ep 194: How to Build A 6-Figure E-Commerce Business with Daniel Espy](https://www.wealthwithoutwallstreet.com/podcast/how-to-build-a-6-figure-e-commerce-business-with-daniel-espy)
- [Ep 133: From Bankruptcy to Printing Money with Neil Twa](https://www.wealthwithoutwallstreet.com/podcast/neil-twa-amazon)

### Long Term Rentals
- [Ep 398: Breaking Down Long-Term Rentals as a Passive Income Option](https://www.wealthwithoutwallstreet.com/podcast/round-table-breaking-down-long-term-rentals-as-a-passive-income-option)
- [Ep 199: Long Term Rentals and Cash Value](https://www.wealthwithoutwallstreet.com/podcast/round-table-long-term-rentals-and-cash-value)
- [Ep 383: 11 Different Ways to Build Passive Income](https://www.wealthwithoutwallstreet.com/podcast/11-different-ways-to-build-passive-income)

### Private Lending
- [Ep 389: The Pros and Cons of Private Lending as a Passive Income Stream with Liam Leonard](https://www.wealthwithoutwallstreet.com/podcast/the-pros-and-cons-of-private-lending-as-a-passive-income-stream-with-liam-leonard)
- [Ep 92: Passive Income Through Private Lending with Ray Burkhalter](https://www.wealthwithoutwallstreet.com/podcast/passive-income-through-private-lending-with-ray-burkhalter)
- [Ep 4: Personal Story on Private Lending via Hard Money Lending](https://www.wealthwithoutwallstreet.com/podcast/personal-story-on-private-lending-via-hard-money-lending)

### Syndication
- [Ep 402: Breaking Down Investing in Syndications as a Passive Income Option](https://www.wealthwithoutwallstreet.com/podcast/round-table-breaking-down-investing-in-syndications-as-a-passive-income-option)
- [Ep 381: What Passive Income Strategies Will Work in 2023 with Dave Zook](https://www.wealthwithoutwallstreet.com/podcast/what-passive-income-strategies-will-work-in-2023-with-dave-zook)
- [Ep 309: $2000 in the Bank, Negative Net Worth, and I Bought a Mobile Home Park with Bryce Robertson](https://www.wealthwithoutwallstreet.com/podcast/2000-in-the-bank-negative-net-worth-and-i-bought-a-mobile-home-park-with-bryce-robertson)

### Franchise
- [Ep 335: Could my Rental House be an Assisted Living Residence? with Chuck Bongiovanni](https://www.wealthwithoutwallstreet.com/podcast/could-my-rental-house-be-an-assisted-living-residence-with-chuck-bongiovanni)
- [Ep 329: Can I Franchise My Own Business? with Tom DuFore](https://www.wealthwithoutwallstreet.com/podcast/can-i-franchise-my-own-business-with-tom-dufore)
- [Ep 315: Is it Possible for a Franchise to Be Passive? with Kim Daly](https://www.wealthwithoutwallstreet.com/podcast/is-it-possible-for-a-franchise-to-be-passive-with-kim-daly)
- [Ep 23: Balancing Life, Business, Franchises and More with Ashley Kaple](https://www.wealthwithoutwallstreet.com/podcast/balancing-life-business-franchises-and-more-with-ashley-kaple)

### Notes
- [Ep 94: What Mortgage Note Investing Can Do For You! With Jamie Bateman](https://www.wealthwithoutwallstreet.com/podcast/what-mortgage-note-investing-can-do-for-you-with-jamie-bateman)

### Car Sharing / Turo
- [Ep 400: Breaking Down Renting Vehicles as a Passive Income Option](https://www.wealthwithoutwallstreet.com/podcast/round-table-breaking-down-renting-vehicles-as-a-passive-income-option)
- [Ep 319: From Grand Theft Auto to 33 Cars on Turo with Matty J](https://www.wealthwithoutwallstreet.com/podcast/from-grand-theft-auto-to-33-cars-on-turo-with-matty-j)

### Self Storage
- [Ep 419: How Deals Are Made in Self Storage With Scott Meyers](https://www.wealthwithoutwallstreet.com/podcast/how-deals-are-made-in-self-storage-with-scott-meyers)
- [Ep 160: From Self Storage to Self-Sustaining with Scott Krone](https://www.wealthwithoutwallstreet.com/podcast/from-self-storage-to-self-sustaining-with-scott-krone)

### Laundromat
- [Ep 475: Making Coin Through Laundromats with Jordan Berry](https://www.wealthwithoutwallstreet.com/podcast/making-coin-through-laundromats-with-jordan-berry)

### Mid-Term Rental
- [Ep 413: How to Build a Mid-Term Rental Empire with Sarah Weaver](https://www.wealthwithoutwallstreet.com/podcast/how-to-build-a-mid-term-rental-empire-with-sarah-weaver)

### Online Businesses
- [Ep 437: Buying Online Businesses for Profit With Sophie Howard](https://www.wealthwithoutwallstreet.com/podcast/buying-online-businesses-for-profit-with-sophie-howard)

### Creative Finance
- [Ep 145: How to Buy Owner-Financed Houses with 0% Interest with Chris Prefontaine](https://www.wealthwithoutwallstreet.com/podcast/how-to-buy-owner-financed-houses-with-zero-interest-chris-prefontaine)
- [Creative Finance 101: How to Get Started with Chris Prefontaine](https://www.wealthwithoutwallstreet.com/podcast/creative-finance-101-how-to-get-started-with-chris-prefontaine)

### Vending Machines
- [Ep 529: How to Start a Vending Machine Business, Cost, Tips, How Much You Make with Michael Hoffmann](https://www.wealthwithoutwallstreet.com/podcast/how-to-start-a-vending-machine-business-cost-tips-how-much-you-make-with-michael-hoffmann)

## FAQ

### What is the Passive Income Pros & Cons Matrix?
The Passive Income Pros & Cons Matrix is a free internal training resource from Wealth Without Wall Street. It compares 16 passive income streams side by side on four key factors (time, capital, influence and detail), lays out the pros and cons of each stream for every DISC personality style, and links the Wealth Without Wall Street podcast episodes that go deeper on each one.

### Which passive income streams are in the matrix?
Sixteen: Short-Term Rentals, Turnkey Long-Term Rentals, Land Flipping, E-Commerce, Long-Term Rentals, Private Lending, Syndications, Franchises, Mortgage Notes, Car Sharing (Turo), Self Storage, Laundromats, Mid-Term Rentals, Online Businesses, Creative Finance and Vending Machines.

### How are the key factors scored?
Each stream is scored 1 to 4 on four factors. Time: 1 = 0 hours, 2 = 5 hours or less, 3 = more than 5 but less than 20 hours, 4 = 20+ hours. Capital: 1 = $1K or less, 2 = $1K to $5K, 3 = $5K to $25K, 4 = $25K+. Influence required: 1 = none, 2 = limited, 3 = moderate, 4 = advanced. Detail: 1 = none, 2 = low, 3 = moderate, 4 = tons.

### How does DISC fit into choosing a passive income stream?
The same stream feels very different depending on how you're wired. The matrix lists the pros and cons of every stream for each DISC style: D (Dominance), I (Influence), S (Steadiness) and C (Conscientiousness). That shows you which parts of a business will energize you and which parts you'll want to delegate or avoid.

### Does the Passive Income Matrix cost anything?
No. The matrix is an internal training tool from Wealth Without Wall Street. There is no charge, and there is nothing to buy on this page.

### Where do the podcast episodes come from?
All 49 episodes are from The Wealth Without Wall Street Podcast, hosted by Russ Morgan and Joey Mure (1.6M+ downloads). They include Round Table breakdowns of each passive income option and interviews with operators who run these businesses. Filter by stream to see the episodes for the one you're evaluating.

### How does the matrix relate to Investor DNA?
Investor DNA matches you to the 2 passive income streams you're built for. The Passive Income Matrix is the reference you use to compare those streams: what each one takes in time, capital, influence and detail, and how it lines up with your DISC style.

## Related
- [Wealth Without Wall Street](https://www.wealthwithoutwallstreet.com/)
- [Investor DNA](https://investordna.wealthwithoutwallstreet.com/)
- [The Passive Income Lab](https://lab.wealthwithoutwallstreet.com/)
- [Wealth Without Wall Street Podcast](https://podcasts.apple.com/us/podcast/the-wealth-without-wall-street-podcast/id1282660297)

Educational content only, not financial, legal or tax advice. Wealth Without Wall Street is not a registered investment advisor. Results vary and are not guaranteed. Whole life insurance policy loans accrue interest, and unpaid loans reduce the death benefit.