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cover of episode $100K/Year Passive Income with Cheap, Small, Repeatable Rentals

$100K/Year Passive Income with Cheap, Small, Repeatable Rentals

2025/6/9
logo of podcast BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast
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Dave Meyer
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Nathan Nicholson
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Nathan Nicholson: 我通过不断购买相同的低价房产来实现财务自由。我专注于购买小面积的房产，因为它们的维修成本较低，即使租金可能不高，但长期来看利润更高。我从未将房地产收入用于个人消费，而是全部 reinvest 到业务中。我遵循72法则，通过复利的方式来实现增长。现在，我拥有22处房产，其中10处已还清贷款，每年的净收入约为10万美元。我正在考虑购买更多的房产，或者购买土地建造房屋。我倾向于低债务策略，避免过度杠杆，并尽快偿还贷款。我见过很多人因为过度杠杆而失去一切，所以我的策略是基于他人的经验，避免过度杠杆。在经济不景气的时候，良好的现金流就像你的保护壳。偿还贷款可以让你有更大的收入雪球，以便在需要时利用。购买更便宜的房产，并迅速偿还贷款，可以更快地实现财务自由。现在可能不是利用杠杆的好时机，你需要适应市场变化。房地产投资并不容易，需要很长时间。制定一个适合你的方法，并有条不紊地执行，你就会成功。不要过度使用杠杆。 Dave Meyer: Nathan以非常实惠的价格建立了一个令人印象深刻的投资组合。Nathan建议即使作为贷款员也要非常小心地使用杠杆。Nathan总是想用他的钱买尽可能小的房子。不应让历史表现改变对当今最佳投资的看法，而应关注现在如何使用资金。即使房价出现更长时间的下跌和疲软，也不一定是坏事。Nathan正在利用他的资产来获得信贷额度，而不是直接使用银行里的现金。通过套利，可以比其他人以更低的成本进行开发。房地产投资是一个缓慢致富的过程。做出明智、低风险、高回报的决策是关键。

Deep Dive

Chapters
Nathan Nicholson, a mortgage industry professional, started his real estate investing journey with only $32,000 in his bank account. He strategically invested in affordable properties, focusing on small footprints to minimize expenses and maximize returns. This approach allowed him to steadily build a portfolio of 22 properties, generating a six-figure passive income.
  • Started with $32,000 in savings
  • Focused on small, affordable properties (under 1000 sq ft)
  • Built a portfolio of 22 properties, 10 paid off
  • $100,000 annual passive income

Shownotes Transcript

This investor is making $100,000 per year with small, affordable, repeatable rental properties. He started investing years ago but recently bought another home-run rental for just $87,000, which will continue to boost his passive income. His slow, steady “tortoise” approach is one that anyone (especially beginners) can **use in 2025 to build wealth) **and massive passive income) through rental property investing. How do you do it? He’s sharing his blueprint.

Nathan Nicholson woke up one day in his 30s to realize that his bank account had only $32,000 in it. While by no means is $32,000 a small sum, as a top producer in the mortgage business, he expected to have much more—something needed to change. After watching clients close (and make it rich) on rentals, he decided to give it a shot.

But instead of going for the biggest house his money could buy,** he opted for a small, affordable property** where less could go wrong. It was a good move and one worth repeating. Fast forward over a decade later, **Nathan has 22 properties, 10 of which are paid off, with six-figure **cash flow) coming in every year. He scaled smart (and safely) using his “tortoise approach” to investing—an approach you can use, too!

In This Episode We Cover

Why buying small (less than 1,000 square feet!) rentals **is a smart move **for beginners 

Taking **the “tortoise approach” to wealth **so you safely get to early retirement 

Cashing out your 401(k))** **for rentals? Why Nathan says it’s worth it 

One quick calculation (that **beats **the 1% rule)) every investor should use 

Why Nathan is buying even more as price cuts hit many major housing markets 

And **So **Much More!

Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1132)

Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠).

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