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cover of episode How to Make More Passive Income with Fewer Rentals (& ACTUALLY Retire Early) w/Chad Carson

How to Make More Passive Income with Fewer Rentals (& ACTUALLY Retire Early) w/Chad Carson

2025/1/20
logo of podcast BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast

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Dave Meyer
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Dave Meyer: 通过购买产生租金收入的出租物业,当收入与工作收入相匹配时,就可以退休并依靠大部分被动的房地产投资组合生活。 Chad Carson:无需积累数十处房产或使用任何疯狂的策略,通过长期持有型投资和明智的决定,几十年来积累财富,现在拥有自由支配的时间,可以环游世界,打篮球,每周只需花几个小时管理投资组合。 Dave Meyer:房地产投资有三个阶段:起始阶段、增长阶段和收获阶段。 Chad Carson:我从事房地产投资21年,经历了从房屋翻新和批发到长期持有投资的演变,目前拥有大约33处房产,专注于构建能提供生活方式、现金流和灵活性的投资组合。出租物业投资是一个需要耐心的游戏,与短期投资不同,它更像种植果树,需要时间才能收获果实,但一旦收获,就能持续多年。杠杆房地产投资组合需要耐心,在投资组合增长后,可以进入收获阶段,改变优先级,专注于收获而不是增长。房地产投资需要乐观主义和对自己的信心,学习其他成功投资者的经验,并相信自己的能力和产品。学习长期成功房地产投资者的经验,可以帮助在投资过程中保持乐观和耐心。关注那些拥有充裕时间和灵活性的投资者,而不是那些追求财富最大化的投资者。 Dave Meyer:了解房地产投资的三个阶段:起始阶段、增长阶段和收获阶段,以及每个阶段持续的时间。 Chad Carson:房地产投资分为三个阶段:起始阶段(学习阶段)、增长阶段(积累阶段)和收获阶段(享受阶段),每个阶段的持续时间因人而异。起始阶段的目标是学习和积累经验,避免犯重大错误。增长阶段需要耐心和纪律,许多人会在这个阶段放弃。收获阶段的目标是将投资组合转换为能提供生活方式的工具,而不是单纯追求增长。收获阶段与增长阶段的区别在于目标不同,增长阶段追求投资回报最大化,收获阶段追求现金流最大化和生活简化。大多数人可以在10到15年内进入收获阶段,因为这大约是一个完整的房地产周期。 Dave Meyer:为了在10到15年内实现财务自由,应该如何规划增长阶段。 Chad Carson:增长阶段的策略取决于资金和时间的多少,资金充裕但时间有限的人与资金不足但时间充裕的人的策略不同。定期评估自身资源(时间和资金),并根据资源调整投资策略,可以帮助在增长阶段做出更好的投资决策。在10到15年的增长周期中,会有2到5年的周期性变化,这很正常,应该根据自身情况调整投资节奏。财务独立是一个过程,而不是一个事件,应该长期规划,根据自身情况调整投资策略。 Dave Meyer:在增长阶段,现金流是一个工具,而不是最终目标,更重要的是积累净资产。 Chad Carson:增长阶段的目标是积累净资产,现金流是辅助工具,而不是最终目标。增长阶段应专注于积累净资产,现金流应用于维护和再投资,而不是提取使用。在增长阶段,应选择优质房产,位于发展潜力大的区域,长期持有,以获得租金增长和资产增值。 Dave Meyer:如何调整投资组合,进入收获阶段,实现财务自由和时间自由。 Chad Carson:为了进入收获阶段,可以使用一些工具和策略,例如6%规则、修剪投资组合和再投资等。为了进入收获阶段,可以评估投资组合,出售一些表现不佳的房产,并用所得资金偿还债务或购买更能产生现金流的房产。出售房产后,可以选择进行1031交易或偿还其他房产的债务,以提高现金流。在收获阶段,可以利用房产的净值偿还债务,以降低风险并提高现金流。在收获阶段,可以考虑偿还现有债务或降低新购房产的贷款比率,以降低风险并提高现金流。 Dave Meyer:如何保持对房地产行业的热情,同时避免过度投入时间。 Chad Carson:我将房地产投资作为副业,专注于教学和内容创作等其他事业,并根据生活阶段调整时间分配。

Deep Dive

Shownotes Transcript

**Want to retire early)? Then, STOP buying rental properties. **You heard that right; buying more rental properties may actually push you further away from early retirement IF you’ve crossed a certain threshold. Today’s guest proves **you don’t need dozens of rental properties to reach **financial freedom). Chad Carson, the “small and mighty” investor, is back to share why he scaled down his rental portfolio and now only works two hours a week because of it!

Don’t know Chad? He’s the investor who did it right. After **building a **real estate business) way too big for his liking, he and his partner thought, “Is this the life we dreamed of?” It wasn’t, so they began scaling down, only keeping the properties they loved and selling the rest. Now, Chad does what he wants full-time, including traveling the world and living abroad with his family, coaching other investors, and spending a fraction of his waking hours on his rental property portfolio. This is an investor who has actually retired early with real estate.

Want to copy Chad’s blueprint to financial freedom in just ten to fifteen years? He’s sharing the three “phases” every investor goes through, including the most important one—the “harvesting” phase that allows you to retire early. How do you get to the “harvest” after all your hard work, and what should you do once you get there to unlock ultimate financial freedom? Chad is sharing it all, step-by-step, in this episode.

In This Episode We Cover:

How to **retire early with fewer rental properties **than you’d think

The three “phases” of financial freedom investing (and how long it’ll take to retire early)

How to **start building your **real estate portfolio) even if you have no money or experience 

Why cash flow) is far less important than you think when building a rental portfolio 

Why Chad sells some of his successful rental properties to pay off others (this is a cheat code!)

Three tools you can use to **start “harvesting” your portfolio and retire early **

And **So **Much More!

Links from the Show

Join BiggerPockets for FREE)

Let Us Know What You Thought of the Show!)

Ask Your Question on the BiggerPockets Forums)

BiggerPockets YouTube)

BiggerPockets Money Podcast)

Set for Life by Scott Trench )

Zeckendorf: The autobiography of the man who played a real-life game of Monopoly and won the largest real estate empire in history)

Find Your Next Real Estate Deal with PropStream)

Grab Chad’s Book “The Small and Mighty Real Estate Investor”)

Find an Investor-Friendly Agent in Your Area)

BiggerPockets Real Estate 1004 - How to Retire Early with Fewer Rental Properties Than You Think w/Chad Carson)

Connect with Chad)

Connect with Dave)

(00:00) Intro

(01:52) Financial Freedom, Not Just Getting Rich

(05:09) The "Harvesting" Phase

(09:51) 3 Phases of Financial Freedom Investing

(18:32) How to "Grow" the Right Way

(24:29) What About Cash Flow?

(26:58) How to Start "Harvesting"

(33:55) Consolidating Your Portfolio

(36:32) Spending Your Time Freedom

Check out more resources from this show on BiggerPockets.com) and https://www.biggerpockets.com/blog/real-estate-1072)

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