In this episode of the Fractional Podcast, we sit down with Tracy Koa, Dustin Geroski, and Kaipo Cordeira, the inspiring team behind a mission to make affordable housing a reality through co-living projects!

Tracy, Dustin, and Kaipo, a powerhouse team on a mission to tackle housing inequality through co-living projects. In this episode of The Fractional Podcast, they share how they raised over $500,000 from everyday investors to fund two affordable housing developments.

In this episode, we covered
1) Why co-living is the future of real estate
2) Creative ways for people with no capital to get equity in deals
3) How they’re empowering 10,000 new investors to own real estate and build wealth
4) Behind-the-scenes of their Hawaii Mastermind for high-level partners

If you are interested in investing into deals like this, check out www.fractional.app

#Fractional #AffordableHousing #RealEstateInvesting #Coliving

00:23 - Tracy’s story: From homelessness to affordable housing advocate
01:45 - Dustin’s journey: Why co-living became his calling
03:19 - Kypo’s background: From shipyard to scaling real estate
04:46 - The “Mount Everest” vision: Empowering 10,000 investors
06:21 - How they set the $5K minimum investment
08:20 - Creative ways to participate with no capital (credit sponsors & connectors)
12:46 - Making investing accessible for everyone
17:33 - Hawaii Mastermind: A mastermind that pays you
21:26 - The two co-living projects explained
25:04 - Why new-build co-living is the future
28:24 - Equity vs. debt: Why they chose true partnerships
30:53 - Building a legacy: Helping 10,000 people get their first deal
31:49 - What’s next for the team

Tracy raised $316,000 to build her Candy Empire – and she’s just getting started.

In this episode of the Fractional Podcast, Tracy shares how she went from homeschooling mom to entrepreneur, building candy stores people love and scaling faster than ever using Fractional. Learn how she created a recession-proof business, raised capital from everyday investors, and turned her dream into a reality.

If you’ve ever dreamed of raising money for your own business or being part of projects like this, Fractional makes it possible.

00:36 – How Tracy Over-Raised $316K for Her Candy Empire
01:14 – From Homeschool Mom to Candy Store Owner
02:27 – Why Tracy Chose Charlotte for Expansion
03:41 – Candy Stores vs. Restaurants: The Business Model Shift
07:48 – The Hard Lessons of Managing Staff in Restaurants
13:02 – Joining SubTo & Owner’s Club: Was Tracy in the Right Room?
16:35 – Learning to Raise Capital as a Business Owner
22:56 – Building Systems to Scale Beyond the Owner
26:57 – Tracy’s Vision: 10 Candy Stores in 6 Months

In this episode of The Fractional Podcast, Stella Han sits down with Benjamin Huang, an operator who successfully raised capital on Fractional to buy a laundromat — and turned a failing business into a cash-flowing machine. Now, he’s back with a bold mission: build a $3M laundromat investment club and eventually IPO a company that becomes the Uber of home services.

Benjamin shares how he underwrote 172 businesses before his first acquisition, why laundromats are his foundation, and the mindset shift from deal-by-deal investing to community-backed growth. He also opens up about the power of team-building, creative deal structuring, and his long-term vision to transform an outdated industry.

If you’ve ever thought about owning a small business, raising capital, or scaling with community, this episode is a masterclass.


🔗 Join Benjamin’s community & learn more: https://ownershipcode.com/
📲 Follow Benjamin on IG + YouTube: @benjaminhuang14

If you want to learn more about how Fractional can scale your business, check out Fractional: https://fractional.app

0:00 – Intro to Benjamin & the Laundromat Deal
Stella introduces Benjamin and his oversubscribed laundromat raise on Fractional.

1:08 – Why Laundromats Instead of Real Estate
Benjamin explains why he pivoted from multifamily to business acquisitions.

3:26 – Inspired by Cody Sanchez
How Cody’s content opened his eyes to the business buying world.

6:52 – The Most Important Lesson from Underwriting 172 Deals
Benjamin shares a key mindset shift from underwriting so many businesses.

9:54 – The Vision: Uber for Home Services
Benjamin reveals his long-term mission to transform the home service industry.

13:49 – Why He Chose to Raise with a Community
The story behind partnering with 33 investors and why community equity matters.

16:43 – Deal Breakdown: From -$5K to +$12K Cash Flow
Benjamin details how they creatively acquired and turned around a failing laundromat.

21:19 – Why He Launched a $3M Investment Club
Why Benjamin moved from one-off raises to building a capital-backed club.

26:38 – Community-Led Businesses Are the Future
Stella and Benjamin discuss the marketing power of community-owned businesses.

36:20 – How Benjamin Built a Rockstar Team
Benjamin shares how he attracted his COO and scaled operations sustainably.