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cover of episode $12,000/Month Cash Flow by Cracking the Rental "Formula"

$12,000/Month Cash Flow by Cracking the Rental "Formula"

2025/6/30
logo of podcast BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast
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Andre Taylor
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Andre Taylor: 我从小就受到母亲的影响，她一直鼓励我购买房地产。大学毕业后，我努力偿还债务并学习木工，为购买第一套房产做准备。2007年，我以非常优惠的价格购买了一处需要大量维修的止赎双拼房。在closing前一天，我发现铜管被盗，因此我与银行协商降低了房价。当时我银行里只有3000美元，最终花了2800美元完成了交易。我通过自己的努力对房产进行了大量的装修和修缮。2008年，我购买了第二处房产，并开始思考我的财务自由目标。我需要计算出我的“自由数字”，以便了解我需要多少房产才能实现财务自由。我设定了每月1万美元的被动收入目标，并计算出我需要大约32个单元来实现这个目标。休息了八到十年后，我重新调整了心态，决定继续追求财务自由的目标。我想要实现财务和时间自由，达到32个单元的目标。我放弃了在拉斯维加斯工作的机会，回到了圣路易斯，并购买了一个四单元和一个双单元。我在Redfin和Realtor上找到了一个四单元和一个双单元的房产。在四单元房产的交易中，我遇到了卖方在恐怖分子观察名单上的问题。最终，我还是完成了这笔交易。在购买了六个单元后，我积极地寻找更多的房产。我以6万美元的价格购买了一栋被查封的双拼房，但后来发现里面有黑霉。我决定自己修复这栋有黑霉的房产，彻底清理了这栋建筑，只剩下了地板托梁。我将这栋建筑改造成了一栋单户住宅，并获得了房地产执照，计划将其出售。我将这栋房产装修成Airbnb，并获得了很好的收益。通过Facebook Marketplace以35,000美元的价格购买了另一栋双拼房，计划进行翻新。我现在已经达到了32个单元的目标，每月现金流达到12,000到14,000美元。我卖掉了大部分房产，获得了约25万美元的利润。出售房产是为了获得资金，以便购买更大的房产。我原本有机会在圣路易斯购买一个32单元的公寓，但最终还是决定回到芝加哥。芝加哥的房产在数字上更具吸引力，而且我想回到我的家乡。我在芝加哥寻找六单元的建筑，并在45天内完成了1031交易。我在Realtor.com上找到了两栋被低估的六单元建筑，我认为这些建筑被低估了，因为我可以提高租金到市场价值。我以25%的首付购买了两栋六单元建筑，并以3.6%的五年固定利率完成了这两栋建筑的交易。其中一栋建筑，我们称之为泰姬陵，正在进行翻新，租金收入潜力巨大，预计每月租金收入将达到9900美元。我计划购买泰姬陵旁边的其他建筑，因为最好的房地产就是你旁边的房地产。我购买了泰姬陵旁边的一栋建筑，称之为自由塔，因为它帮助我达到了1万美元的现金流目标。我与自由塔的业主建立了友谊，并最终购买了这栋建筑。我在2023年4月购买了自由塔。我在圣路易斯翻新了一栋双拼房，并增加了一个地下室公寓，使我达到了21个单元。我给泰姬陵另一侧的两栋建筑的业主写了一封信，表达了购买意愿。业主回应了我，并表示愿意出售。我使用商业信用额度和泰姬陵的股权来帮助我完成新的房产交易。我即将完成对五单元建筑的交易，这将使我的单元总数达到32个。我之所以能够完成这些交易，是因为我还在工作。我有一份很好的工作，收入很高，这让我在财务上能够更从容地实现财务自由。我计划在50岁之前退休，并且不急于求成。我一直采取缓慢而稳定的方法，保持工作，保持贷款能力，获得传统的抵押贷款，这对我很有帮助。我没有使用任何特殊的技巧，只是利用信用卡、401k和房产升值来实现我的目标。

Deep Dive

Chapters
Andre Taylor, a real estate investor, shares his inspiring journey from a small initial investment to achieving a remarkable $12,000 monthly cash flow. He emphasizes the importance of setting a financial freedom goal and working backward to achieve it, even after taking a decade-long break from investing.
  • Started with $3,000 and a duplex in St. Louis.
  • Calculated his "freedom number" to determine the necessary number of rental units.
  • Took a 10-year break from investing before resuming with a renewed focus.

Shownotes Transcript

This investor is producing $12,000 per month in cash flow) and is well on his way to early retirement before the age of fifty, and he did it all after taking a DECADE off of investing. By cracking the real estate “formula,” Andre Taylor was able to buy larger properties faster. He used his financial independence number) to work backward by picking up properties that would truly help him retire early.** He’s still buying deals in 2025**, and you can retire early, too, if you use his “formula.”

**Andre started with just $3,000 **in the bank. Not $30,000—$3,000. With a bit of sweat equity, he converted a foreclosure) into a cash-flowing rental, generating a solid $300 in profit per month per unit. Then, everything clicked—**what if he bought enough rentals to replace his income? **After calculating his “freedom number,” he knew how many rentals he needed. 

But then Andre…took a break. A long break.** A decade of not investing. **When he got back, it was time to go all out. In today’s episode, you’ll hear about the buying spree Andre’s been on over the past eight years, how he closed on over thirty rental units (some filled with black mold), and why “buying up the block” is the fastest way to reach financial freedom). 

In This Episode We Cover

**How many rentals you’ll need to **retire early) by calculating your “freedom number”

Buying **foreclosures **and the pros and cons of these cheaper deals 

The many** ways to finance a rental** (mortgages, credit cards, 401(k) loans, etc.)

Why you should **start contacting owners of properties next to your **current **rentals **

How to **make **the **passive income **jump faster by buying commercial properties (five units or more!) 

And **So **Much More!

Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1141)

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

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