Steven J. Rivera
SJR
Real estate · Mortgage · Media

StevenJ. Rivera

I build businesses in real estate, mortgage, and media, and coach others to build theirs.

Book a call Get the Rivera Report
Ignite 2.0 · Saturday, November 14, 2026
Fire Yourself, the talk Read the idea

Three businesses. One operator.

Real estate, mortgage, and media. Each one runs on the same rule: decide it once, then design it.

Real estate

Team Rivera

at Keller Williams Points North

Licensed in New York since 2018, I lead Team Rivera at Keller Williams Points North with my mother, Rose. We focus on the Gold Coast and North Shore, Montauk to Manhattan.

Visit team-rivera.com Mortgage

Cliffco

Team Rivera powered by Cliffco Mortgage

I am a loan officer with Cliffco, Inc. (NMLS #65328). Our mortgage team, Team Rivera powered by Cliffco Mortgage, helps buyers and homeowners start the financing conversation.

Start an application Media

Core Media

Core Media Co.

I am an owner of Core Media Co., a production studio for video, photo, and content that serves outside businesses. I build with AI.

See Core Media
Featured talk · Ignite 2.0 · Uniondale · November 14, 2026

Fire yourself.

2x adds more of you. 10x removes you from every decision you make twice, until the whole job is two words: yes or no.

Steven J. Rivera in a studio portrait
The line
Decided it twice? Design it once.
Step 1

List it

Write down every decision you made this week that you will make again next week.

Step 2

Sort it

Rule, Hand, or Keep. A rule makes it, a person makes it, or it stays yours.

Step 3

Draw the line

Done without me, or always needs my yes. Never fire yourself from the yes.

1,500+
decisions numbered for my yes or no since September 22, 2026.
1,805
readers got our Sunday letter on November 8. Nobody pressed send.
2
words left in the job. Yes, or no.
2018
Licensed in New York real estate.
5.0
Team Rivera rating across 110 Google reviews.
5
States where I am licensed as a loan officer: NY, NJ, PA, FL, NC.
Steven J. Rivera with his mother and business partner, Rose Rivera
With my mother and partner, Rose
About

Based on Long Island. Grateful for all of it.

I am based on Long Island. I went to Commack High School and studied risk management at Penn State, and I have worked in real estate since 2018.

Today my work sits in three places: real estate, mortgage, and media. I lead Team Rivera with my mother, Rose. I am a loan officer with Cliffco. I am an owner of Core Media Co., and I build with AI. I also consult and coach. I am grateful for all of it.

  • EducationPenn State University, BS in Risk Management (actuarial option)
    Commack High School
  • Real estateLicensed Real Estate Salesperson, New York, since 2018
    NY salesperson qualifying course, completed 2018
  • MortgageLoan Officer, NMLS #1876188
    Licensed in NY, NJ, PA, FL, NC
  • Team designationsKW Luxury · KW Sports & Entertainment · KWYP (Keller Williams Young Professionals)
Consulting and coaching

Start with a conversation.

I consult and coach people building a real estate career or a business of their own. If you want a second set of eyes on your next step, start with a conversation. We talk first, and see whether it is a fit.

Book a call
The Rivera Report

Every Sunday, one short letter.

Every Sunday, we send a short, free letter on the North Shore market.

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Watch and follow
YouTube@StevenJRivera → Instagram@stevenjrivera → LinkedInSteven J. Rivera →
Contact

Say hello.

To work together, or simply to say hello, write to me.