『E22: Why We Paused Buying Rentals This Year (And What We're Doing Instead)』のカバーアート

E22: Why We Paused Buying Rentals This Year (And What We're Doing Instead)

E22: Why We Paused Buying Rentals This Year (And What We're Doing Instead)

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In this episode of The Deal Vault, Nate sits down with co-host Greg for a quick, rapid-fire introduction aimed at anyone who's just found the podcast. Rather than diving into a lending topic, this one is about Greg himself: his path from the Navy and a career as a critical care nurse into real estate investing, and how he ended up working alongside Nate and Sarah at LoanBidz in the first place. Greg walks through reading Rich Dad Poor Dad while under contract on his and Sarah's first short-term rental, balancing a Dave Ramsey mindset around debt with the decision to put money into a rental property instead of paying cash for a car, and the years-long gap between getting excited about investing and actually buying their first property. He also shares how a chance conversation with a family connection working out of a card table turned into the sales career that led him to LoanBidz, and gives a candid, current snapshot of where he and Sarah stand today: eight properties, a deliberate pause on buying more while life is full, and lessons learned nine years into ownership. You'll Learn How To: Balance a debt-averse mindset with taking on debt intentionally for an investment propertyRecognize when life circumstances call for pausing growth instead of pushing through itWeigh the tradeoff between self-managing a rental and paying for property managementHouse hack your first property using a VA loan as a bridge into real estate investingSet an informal yearly goal for property acquisition and stay content when you fall behind it Who This Episode Is For: New listeners who want to get to know the hosts behind The Deal VaultVeterans or active military considering house hacking with a VA loanInvestors balancing a demanding career, like nursing or military service, with building a portfolioAnyone weighing the Dave Ramsey debt-free philosophy against using debt for real estateInvestors in a busy season of life wondering whether it's okay to pause on buying Episode Highlights [0:25] –Nate introduces the format: a quick, rapid-fire introduction to Greg for new listeners [1:39] –Reading Rich Dad Poor Dad while under contract on their first short-term rental [2:31] –Greg's Navy background and commuting between San Diego and Camp Pendleton [3:43] –Buying their first rental property in 2017 while transitioning off active duty [4:21] –Balancing Dave Ramsey's debt-free philosophy with the decision to invest instead of pay cash for a car [5:32] –The entrepreneurial itch, running a CrossFit gym, and paying off student loan debt first [7:06] –How a family connection's card-table spreadsheet turned into a sales career in lending [10:06] –Moving to Missouri and house hacking their next property with a VA loan [10:46] –Greg's other career as a critical care nurse specializing in neurotrauma [11:53] –A current snapshot: eight investment properties total [12:14] –Weighing the cost of property management against the bandwidth of self-managing [13:37] –Why they're deliberately not buying right now, and revisiting that decision later [14:19] –Nine years of ownership, sticking to a roughly one-property-a-year goal until this year [15:13] –Reflecting on appreciation and the long view after nearly a decade of investing Key Takeaways You don't have to choose permanently between a debt-free philosophy and using debt strategically. Greg and Sarah kept a Dave Ramsey mindset for personal spending while consciously choosing to use debt for a rental property because of the return it offered.A years-long gap between getting excited about investing and actually buying your first property isn't a failure. Paying off debt first, even while reading and learning in the meantime, still counts as progress.House hacking with a VA loan is a practical bridge into real estate investing for military members and veterans, letting you live in a property first and convert it to a rental later.Self-managing a rental works fine at a small scale, but it can quietly become a source of strain as a portfolio and life circumstances both grow. Recognizing that shift is more valuable than pushing through it out of habit.It's okay to pause buying during a full season of life. Having an informal yearly goal still creates momentum, even in the year you don't hit it, as long as you come back to it deliberately. Connect & Learn More LoanBidz (loan inquiries, rehab loans, refinances, and consultations) 👉 https://loanbidz.com Call to Action If you're new here, now you know a little more about who's behind the mic. If you're in a season of life where buying isn't the right move right now, that's okay too, just don't lose the goal completely. Subscribe, share this with someone just getting into real estate investing, and leave us a review. Until next time—keep building. Keep investing.
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