Dr. Janet Tonkins
Dr. Janet Tonkins, the “Cash Flow Diva,” is a powerhouse real estate developer, investor, coach, and philanthropist who transformed from poverty to prosperity through faith and determination. Her guiding principle: “I won’t give anyone anything I can’t live in myself.”
With over 100 residential properties, Tonkins has orchestrated $800+ million in transactions across Baltimore, Atlanta, and Paterson, NJ. Her impressive portfolio includes part-ownership of three $110 million biotech labs, a 150-unit apartment building, and a groundbreaking $37 million affordable housing project for grandparents raising grandchildren. She and her husband are among the first Black developers to build from the ground up in Paterson, and she’s currently developing a 70-unit apartment building for homeless veterans.
My mission is not only to inspire and motivate African American girls, boys, men, and women all over the globe but to teach them how to do it!“
– Janet Tonkis
As executive board member of the Baltimore Real Estate Investment Association and co-chair of SAVVY Women’s Investment Meeting, Tonkins passionately teaches others to “fish for themselves.” She’s been featured in USA Today as a “Game-Changer,” Speakers Magazine’s 2025 “Rising Star,” Women of Wealth, and numerous podcasts. Recipient of many awards, including two 2024 Presidential Achievement Awards.
Her best-selling book “The Turning Point” chronicles her inspiring rags-to-riches journey, with her solo work “Purses, Heels, Houses, You Choose©” launching in late 2025.