他，5年收购20栋房赚逾40万准备无贷退休

王桢 Zhen Wang | 房地产投资顾问 Real Estate Investment Advisor

http://www.cinfoshare.org/re/lenders/leader-funding-inc

12/30/2018

他，5年收购20栋房赚逾40万准备无贷退休

全职军官凯瑞靠着他在阿拉巴马州拥有的20栋房，每年赚取超过8万元的租金收入。(取自YouTube)

在美国空军任职18年的军官凯瑞(Rich Carey)，本周在作家柯林斯(JL Collins)的“迈向财富的简单之路”(The Simple Path to Wealth)博客上贴文，详述他怎样全时间从军，同时为自己无压力退休做好准备。他说：“对我来说，进行房地产投资一点都不费力气。”

凯瑞表示，他每年从阿拉巴马州蒙哥马利拥有的20套住房赚取超过8万元，其实他从未见过大部分房屋，虽然他派驻世界各地，但都透过房地产网站Zillow.com找房子，然后雇用经过仔细审查的经纪人，购买认为值得投资的房屋。

如果屋主接受凯瑞偏低的出价(这是罕见的事)，同时如果房屋看来不错，凯瑞会继续协商进一步压低房价但以现金购买，并答应在10天内过户。面对这样的条件，卖方通常会接受更大的折扣。凯瑞说：“以现金买屋往往只需签署一份文件，轻省得多。”

MATH ENRICHMENT SERVICES

Offering serious and challenging mathematics to intellectually gifted students

凯瑞指出，想要购买出租房产的人，可参考他的1%和50%准则。1%准则是指买方能够至少以屋价的1%出租房屋，其中还包括准备入住房屋的开支。所以，简单地说，如果屋价是9万元，再加1万元整修算是入住开支，那么租金至少要每月1000元。

50%则指应该准备把50%租金收入用于开支。以上面的例子而言，月租1000元就可能需拨出500元用于开支。凯瑞说，符合这些标准的房屋投资回报率约为6%。但以他的情况为例，许多房屋的实际回报率高达10%。

例如，他2013年以3万元购买第一栋房屋时，花了1万5000元整修，然后以每月850元租出。他以4万5000元买下可以即时入住的第二栋房屋，并以每月900元租出。

凯瑞做法的关键(这是个大挑战)，就是找到可以信任的人来进行日常维修管理的工作，所以他很轻松，“虽然拥有20栋房子，但一个月即使只要回一封电邮都很少见”。凯瑞没有欠下任何房贷，使他在2020年夏天能够放心退休。

原文链接>>

APLUS教学中心 | 一对一辅导服务中心 | 申请咨询顾问中心

Rich Carey Bought 20 Houses Debt Free in the Military | Afford Anything Podcast (Audio)

Published on Aug 11, 2018

Rich Carey is a military millionaire. He’s spent his career in the U.S. Air Force; he’s currently stationed in Seoul, South Korea. He was stationed in Germany before this. He’ll retire after this.

Most of his fellow servicemembers, upon taking a military retirement, start a second career. But Rich doesn’t need to. He’s financially independent, thanks to his 20 rental properties.

He bought most of these properties while stationed overseas. He’s renovated them from afar. And he’s bought everything with cash.

To say his story is impressive is an understatement.

Every week, I get emails and messages from readers who say things like:

“I’d like to buy a rental property, but everything in my city is expensive!”

“I’d like to buy a rental property, but I’m not handy. I can’t do any of the work myself.”

“I’d like to buy a rental property, but I only make a middle-class income.”

“I’d like to buy a rental property, but we’re a one-income household.”

“I’d like to buy a rental property, but we have two kids, and they’re expensive.”

Rich’s story illustrates how someone with a middle-class income can invest in rental properties from out-of-state.

He earns a military salary. He lives in Korea. He’s the sole breadwinner in his family. He supports a wife and two children.

He’s definitely not taking 2 a.m. toilet-fixing phone calls. In fact, he hasn’t even seen several of his properties.

As you’ll hear in the interview, my friend Emma and I visited Montgomery, Alabama about a year ago. Rich’s properties are located there.

During our visit, I sent Rich an email, saying “Hey, I’m in Montgomery!,” and he replied with, “Cool, I just bought another house there! You’re welcome to drive by and see it from the outside.”

This means I’ve seen houses that he hasn’t. His houses.

____

How did Rich start investing in rental properties? How did he grow a portfolio of 20 rentals?

How could he build this free-and-clear, without taking out any loans?

And how does he manage this from Germany and Korea?

Find out in this interview.

--
Resources mentioned: https://affordanything.com/episode136