Alright, so you’ve probably seen the ads, heard the pitch, or maybe someone mentioned Kingdom 320 by Jeff Rutkowski to you, and now you’re wondering what it’s all about.
Is this really a course that can change your financial situation, or is it just another flashy offer in a long line of “faith meets finance” programs that sound good but don’t deliver?
In this review, I’m going to dig into exactly what the Kingdom 320 course claims to offer, what you actually get inside, and whether it lives up to the hype.
Before we dive in..
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Key Takeaways (If you are in a hurry!)
- Kingdom 320 is a real estate course by Jeff Rutkowski specifically targeting Christians who want to combine faith with financial growth through “investing in real estate God’s way.”
- The program teaches reverse wholesaling, whereby you find buyers first, understand their requirements, and then search for properties that match their needs, rather than the traditional approach.
- Usually, you find the properties first, then the buyers later on.
- The course is structured in progressive phases and includes video training, mentorship calls, a Facebook support group, templates, a 3-day workshop, and lead generation software.
- Kingdom 320 promises potential earnings of $20,000+ per month, and Jeff claims you can close your first deal within 90 days, earning $10,000-$35,000.
- VERDICT: I think Kingdom 320 is legitimate, but with caveats.
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What is Kingdom 320?
Kingdom 320 by Jeff Rutkowski isn’t your typical real estate course. It’s definitely got a niche vibe in that it is tailored specifically for Christians who are business-minded and want to merge faith with financial growth. You’ll be required to pay $1300 for a full year of courses, memberships, and books.
Jeff frames it as “investing in real estate God’s way,” which honestly is an angle you don’t see often in this space. That can either really resonate with you or not at all, depending on where you’re coming from. But it’s clear who he’s speaking to.
As for what the program actually covers, it seems fairly comprehensive. There’s stuff in there about investor relations, automation, taxes, and copyright policy, which are all the foundational pieces you’d need to make reverse wholesaling actually work.
Jeff promises a “Battle Plan” that will guide you step-by-step toward building virtual income streams that could bring in $20,000+ per month. He even claims you could close your first deal in 90 days, pulling in between $10,000 and $35,000.
Now, look—I’m not here to say that’s impossible. But I also know real estate doesn’t work like a vending machine. Just because you put in your time doesn’t mean it spits out cash on command.
The success stories always make it sound clean and predictable, but the reality is messier. You need the right buyer, the right lead, the right timing—and that means effort, trial and error, and honestly, some patience.
Also, if you’re brand new to this? Just know the learning curve might be steeper than Jeff makes it seem. Some folks have said the material can be dense for beginners. And from what I can gather, the program isn’t exactly cheap, so if you’re on the fence financially, that’s something to weigh heavily.
Reverse Wholesaling
Now, the strategy he teaches is called reverse wholesaling. whereby instead of going out and scrambling to find a property and then hoping someone wants it, you flip the process.
You find the buyer first, you figure out exactly what they want, their budget, their preferences, and only then do you go out and hunt for a deal that fits that. It’s meant to reduce your risk, because theoretically, you’re not stuck holding a property no one wants. You’re solving a problem someone already has.
Who is behind Kingdom 320?
Jeff Rutkowski started out in real estate in 2002, cutting his teeth at Re/Max Right Choice. It was one of those classic beginnings: get into the industry, learn the ropes, hustle, and try not to drown in all the complexities that come with selling homes and closing deals. Then he moved on to Edmund James Realty.
Around 2012, Jeff transitioned from just doing the real estate game to teaching it. He started working with Fortune Builders, Inc.
But then there’s this whole other layer to Jeff’s story—his faith, which goes hand in hand with his work. In 2013, he teamed up with Megan and Nick Unsworth to start Life on Fire, which is a community-driven project focused on mentoring Christians through business and leadership.
Then, in 2022, Jeff co-founded Kingdom 320.
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How is Kingdom 320 Structured?
Kingdom 320 is structured in phases, and each one builds on the last.
Intro Phase
The first step before you even join is what they call the Intro Phase. Here, you book a “Transformation Call” with someone from Jeff’s team.
It’s a bit like an audition, but not in a dramatic way—it’s more of a “let’s see if this is right for you” type of conversation. And honestly, I think this is smart because it gives both sides a chance to be selective. If it clicks, they’ll give you some homework to prep you for what’s coming, which tells me they’re trying to filter for people who are actually serious.
Planting Phase
Once you get the green light to join the course you move into the Planting Phase. This is where the actual training begins.
Jeff’s whole approach is based on building a Christian-centered real estate business. The content here is geared toward showing you how to set up a real estate business without needing to throw down a ton of cash up front.
As I mentioned earlier, you are not flipping houses with your own money; you’re learning how to find a buyer first, then work backwards from there.
Watering Phase
In the Watering Phase, you start putting the pieces together, using what you’ve learned to actually build the business out in the real world. Think outreach, deal finding, and working through those initial growing pains. This is the make-or-break zone where you start seeing if the model actually works for you or not.
Harvest Phase
By this point, you’ve hopefully got something to show for your work. The course outlines a 90-day path that’s designed to lead you to this phase, which I assume means closing deals or at least seeing real movement in your business.
It’s the payoff moment—though obviously, results will vary depending on how much effort you’ve put in and how well you execute.
Freedom Phase
If you get that far, you move into what they call the Freedom Phase. Here, you learn how to step back a bit and learn how to automate.
You’re supposed to take what’s now a functioning business and start removing yourself from the day-to-day tasks. That means building systems, delegating, and relying on tools or people to keep things running without you needing to babysit it 24/7. In theory, this is where passive income starts to become real.
Legacy Phase
This one’s about the long-term. The idea is that once your business is humming and semi-automated, you shift your focus to building residual income streams that could last beyond just your immediate goals.
It’s about wealth you can pass down—stuff like portfolio building, asset protection, and structuring your business to live beyond you.
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Add-Ons
Sprinkled across all these phases are some extras. You get access to:
- Video training
- Mentorship calls with Jeff (assuming you’re enrolled at that level)
- Access to a Facebook group for networking and support
- Templates and scripts to help you sound like you know what you’re doing during negotiations.
- There’s also a 3-day workshop included at some point, which is supposed to be a more intensive dive into the training, which I think is good if you like hands-on learning.
Something that stood out to me is the lead software they give you. Supposedly, it helps you source property leads, which sounds great in theory.
But like anything software-related, it’s only as useful as the data it pulls and how well you know how to use it. So take that one with a grain of salt until you’ve seen it in action.
Oh, and before you get too excited and start budgeting for this, just know that the price isn’t listed anywhere up front. You have to email them to find out, which usually means it’s not cheap. They also mention a partnership with Life on Fire, which explains how Jeff is able to run events and workshops—just know those come with additional costs, too.
What are People Saying about Kingdom 320?
Jeff says he’s been doing this for over 15 years and has made millions with it. He also says he’s helped thousands of people do the same.
That’s the part I raised an eyebrow at—not because I don’t believe some people have succeeded with it, but because “thousands” always feels like a stretch until you see hard data.
And to be fair, on the surface, it does look like he is doing well. There are stories of people gaining confidence in reverse wholesaling, learning how to identify the right markets, and walking away with the kind of financial freedom that allows them to not only live better but give back too.
But to be honest, when I went digging, I didn’t find a ton of verified third-party reviews.
The testimonials on his site and YouTube channel? Sure, there are a lot of them, and they’re glowing. But I think they’re curated, meaning any negative ones are filtered out.
When I tried to find something like a Trustpilot page or a Reddit thread with unfiltered experiences, it was surprisingly quiet for a program with thousands of success stories.
If you head over to Trustpilot, for example, you’ll find a couple of reviews, and it has a 4.7 out of 5-star rating.
I don’t actually think 53 reviews necessarily tell the whole story. I mean, if tens of thousands of people really are crushing it with this program, where’s the rest of the feedback?
Then there’s Reddit, and this is where it gets a bit more blunt. The conversations there are much less polished, much more raw, and honestly, a lot more skeptical. I’ve seen posts where people actively tell you not to bother with the course.
One guy said he paid for it and walked away feeling like it just didn’t deliver on what was promised. And it wasn’t just a one-off complaint; that general vibe of “you’re better off learning this stuff elsewhere” shows up more than once.
That doesn’t necessarily mean it’s a scam.
So, yeah, the feedback is mixed. There are clearly people who’ve taken Kingdom 320 and feel like it’s changed their lives—but there are also plenty of others who walked away disappointed, or at least underwhelmed.
If you’re thinking about diving in, I’d say go in with your eyes open. It’s not that the course can’t work for you, but you’ve got to weigh the marketing against the quieter, less flashy voices you find when you start scratching the surface.
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Is Kingdom 320 Legit?
Yes, I think Kingdom 320 is legit? However, the answer isn’t black and white, and it really depends on where you’re at and what you’re expecting to get out of it. Let me walk you through it as I see it, especially if you’re standing at the edge of clicking “buy” and wondering if it’s worth stepping in.
The guy behind it, Jeff Rutkowski, actually seems like he’s put in the work. His name’s been floating around for a bit, and not in the way you’d expect from some of the more questionable real estate gurus. There aren’t any scandalous Reddit threads, exposés, or angry YouTube rants about him. In fact, I’ve come across a fair number of positive things; people saying he’s helpful, knows his stuff, and genuinely wants you to succeed in wholesaling and real estate. That’s good news.
But Kingdom 320, the program itself, raises some questions. For starters, it isn’t exactly budget-friendly. If you’re just trying to dip your toes in and see if real estate is for you, the price tag might feel like you’re cannonballing into the deep end. It’s not one of those $97 intro deals where you can shrug it off if it doesn’t deliver. This is a serious financial commitment.
And then there’s the whole “you’ll find deals within 90 days” thing. I’ve got to be honest with you—that’s the kind of promise that makes me raise an eyebrow. Not because I think it’s a scam, but because real estate isn’t one-size-fits-all.
If you’ve already got your feet wet, maybe a few connections or even just a decent understanding of how to talk to motivated sellers, maybe 90 days is doable. But if you’re brand new, starting from scratch, zero contacts, zero deals, and you’re just learning what a distressed property even looks like, those 90 days might come and go without much to show for it. Not because you didn’t try, but because the learning curve is real.
Also—and this is important—there’s a pretty clear faith-based angle to Kingdom 320. Jeff’s open about his Christian beliefs, and that definitely flows through the way the course is framed. If you’re someone who shares that worldview, it might actually feel like a natural fit. But if you don’t, or if that’s not something you’re looking to bring into your business life, then it could feel a bit out of place. Doesn’t mean the content isn’t useful, but you should probably know going in that this isn’t a purely secular business play.
If you’re serious, aligned with the values, and have some grit to push through the early struggle, you might find it valuable. But if you’re new and expecting some kind of plug-and-play miracle, I’d suggest you go looking at a few lower-stakes options first, and really think about what kind of foundation you’re building from.
Before You Go…
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