ADPI_027:与首席执行官Markian Sich进行旁谈

2018年9月21日


情节转录:

Welcome to the 现役 被动收入 播客 guys. 您 are in the right place Mike foster here thanks so much for tuning in. we have an awesome episode today. it is with our El Capitan. We’我们将与我们的首席执行官Markian进行一些炉边聊天。他’s a great guy and he has an awesome story. Hope 您 guys enjoy.

Hey freedom fighters welcome to the 现役 被动收入 播客. The only place where 军事 members, veterans and their families learn how to build wealth through 房地产投资. I'm 您r host Mike Foster and I'm here to show you how to stop wasting 您r benefits. Now get off 您r ass, step up to the firing line and make ready for today's lesson. Shooter stand by. 

Mike: Hey hey what's going on guys how 您 doing out there. Mike foster in the house and I am here live with our CEO. Yeah Marc Yan, here he is an amazing dude.  I don't even need to introduce him to 您. Because I'm sure 您 guys have already seen him to our Facebook, through our 网站. But Marc Yan what's going on buddy? 

马可: Hey man how are 您? We’我已经尝试了很长时间了。

Mike: We really have. But it's cool dude. You know I think we're both living these busy lives. I mean 您 a little busier than me right. I mean 您 got the big family now. 

马可: Oh yeah. Yeah he's almost 8 months old now. Now he's teething and his nights are a little bit crankier. So I'm getting less and less sleep like last night he just started kicking me. I think 您're just checking if I was there and he wanted to have a buddy to stay awake with. Yes I don't know. But yeah it's super fun though. He’s a really cool kid and oh my gosh he just 您 know everything flipped upside down, it's awesome. 我相信这是男人,我在Facebook上看到他的所有照片都在变大。 

Mike: Very very cute man. 那’s awesome. 

Markian:谢谢老兄,我很感激。 

Mike: So yeah man so I mean let's just 您 know kind of dive in and I guess get to know 您 a little bit more 您 know in case the audio see here some people haven't really met 您. But a fun fact about Marikina, so we actually went to the same school and I don't think we ever really met there. Everybody cross paths but once or twice but that's about it yeah? 

马可: Yeah it is absolutely ridiculous. Oh my gosh guys so let me just dive into a story here right. so first of all I'm going to give 您 a little bit background myself, then I'm going to give 您 a little bit of a story of how ADPI was created and how I met Mike and yeah I really just don't like I'm not going to, I'm going to try to just start from the beginning and that way 这是唯一正确的方法。但是,是的,我们真的从未见过那么疯狂吗?好吧,让我们深入研究一下。

所以我是第三代移民。这意味着什么?真的,这意味着我的祖父母先移居美国。因此,无论是二次世界大战后还是宗教压迫,他们都来自乌克兰背景,所以您希望他们都是乌克兰人,所以他们搬到了美国。我的父母要么在这里出生,要么我的母亲只有两岁,她搬到了这里,因此他们出于各种目的在美国长大,成为美国公民。但是与他们的传承有着非常牢固的联系,然后我会更加被淘汰,这就是我是第三代的原因。但偶然地,你知道我的父母实际上是搬回乌克兰的。因为我父亲是哈佛大学麻省理工学院的大书呆子,他的论文是切尔诺贝利,需要搬回那里进行研究,是的,就像我在苏联解体前六个月出生的时候一样,你必须等待排队两个小时在乌克兰西部为我的父母买牛奶。

但是,是的,他们没有Skype之类的东西,所以我什至无法想象我妈妈正在经历的事情。她仍在尝试学习乌克兰语,因为她的父母大多像是克罗地亚语,克罗地亚语和塞尔维亚语一样。所以她从没长大过说乌克兰语,他们在乌克兰有很多我们的交换学生,因为’他们到达乌克兰的方式就是他们支付机票的方式,他们完成了兑换计划。不管怎样,我之所以要建立如此遥远的舞台,是因为这就是我今天所建立的心态。一世 基本上是在乌克兰长大的,让我们看看十五岁半。在美国,一两年中有很短的一段时间,例如仅仅两年。

Like everybody in Ukraine like it's their dream to end up in America. All the movies, all the Hollywood 您 know all the skyscrapers in the rollercoasters oh my gosh. As a kid I don't know why rollercoasters were just the epitome of America. Yeah so I just felt like Ukrainian kid playing soccer with rag balls I'm not even kidding on the streets. 那 was my kind of and I was home-schooled and I don't know I had a very interesting life right with just like growing up. At one point we lived, sorry what was it? 25 miles there we go from Chernobyl. So I had an interesting childhood. But I moved to the United States, had to go to high school by myself.

Basically lived with my grandparents. Cause my parents and the rest of my siblings and the oldest of seven haven't moved back yet. So here I'm going through high school trying to figure everything out, I was shocked. at first I didn't like America I was like I didn't get anything, I didn't understand why? Kids in high school were so like click and mean and I didn't get the mom jokes. I don't know. So I had to like figure this whole thing out and then I applied to the Naval Academy just because. Because my dad knew me all too well and he was like 您 know what let's just... he's like yeah 您 could apply to this than the other school, that school is hard to get into.

我不知道我父亲对我太了解。我申请了,他们仍然在乌克兰。所以我必须自己做整个事情,然后我才把它弄进去。所以我在等候名单上。我是等待名单上的十个人之一,信不信由你。无论如何,进入海军学院经历了整个过程, Commissioned as a Marine and I'm setting it all that far up again it's because of mindset. I didn't realize until later how big of an impact seeing the contrast between living in Ukraine and living in the United States and all the opportunities America provides how big of an impact that would make on what I wanted to do for myself essentially and for my family and for 您 know not to sound cliché but for my legacy.

Like what is it that I'm trying to, what is the impact I'm trying to make, what is my mission right and like I said so I'm going through the Naval Academy and I think maybe like when I saw pictures of 您 when we first started talking I was like I think I remember that kid in some class. But I remember we ever talked dude or actually I think I saw 您 dancing. So maybe it was the international ball. So anyway so fast-forward I'm going through flight school, I'm trying all sorts of entrepreneurial stuff on the side. Because flight school super intense at times and sometimes there's just it's like kind of it slows down.

因此,从尝试创建一个应用程序来弄清楚是什么...  here's the thing I was dating a Katya, my now wife and she's Ukrainian first generation for her like she never been to United States until we got married and so she was in France studying how to be a winemaker actually. So I had to travel at the France during flight school which is legendary for the fact that they won't let 您 ever go on leave. Like that was the whole joke about flight schools like yeah like 您 literally will never leave flight school.

Maybe like four days on Christmas. But other than that 您 have to always be ready to fly. Because the weather is always unpredictable and so 您're on track and 您 don't fall too far behind then 您 have to read new flights, 您 have to be ready. but every single time there is a gap, every single time there was anything going on I had pre planted three months in the head and planted seeds in all my CO's and XO's like I am leaving. I'm going to go fly to France, I'm going to go see her and so because of that I always tried to figure out ways to create more income, to minimize my expenses.

这样我就可以为机票节省尽可能多的钱,然后最终我知道的戒指和所有这些东西。再次发生所有这些设置,因为它有点像描绘我的心态,就像为什么我开始对金融如此感兴趣。因为我别无选择。我需要想办法见她。我需要弄清楚如何花更少的钱或赚更多的钱,然后在某些创业尝试失败后开始学习, 我发现我好像有时候无法在军队中做所有这些疯狂的事情。我的意思是,首先,我不喜欢露营。但是我感觉我没有时间喜欢...当我们试图吸引投资者购买一个应用程序时,当他们意识到我们无法提供24/7的投资时,他们就像是对不起,这不会发生。

我应该如何将24/7分配给我拥有的类似副项目,它’不可能。我的主要职业是当兵,干得好。 尽我的职责。但是,所以我开始我不知道我在看什么。我想我只是在寻找兼职或被动收入,而我开始像是在闲逛和搜寻,因此我发现了Rich Dad Poor Dad,我发现了播客,我发现了 被动收入和整个世界上所有这些东西都炸了。我的汽车很快像汽车大学一样成为了我的大学。

I would just turn on 播客s and audiobooks and 您 name it and I still remember the road I was on when I listened to Rich Dad Poor Dad. I had an incredible impact on me, the purple Bible. Like it completely shifted the way I thought about American finances and I realized wow like we have an opportunity in this country to take advantage and we should take it's like...  all of a sudden like my duty A, to take advantage of this. A, like holy cow this is how it's done. Like all of a sudden it demystified. What needs to be done in America to become wealthy and not for the purpose of being wealthy in and of itself? Because that seemed a little shallow and that's what everybody liked tried to judge 您.

It’s the allowing 您 to maybe spend more time with 您r family. It’s allowing 您 to feel a little bit more stable while in the 军事. it's allowing 您 to feel more stable and more comfortable for when 您 think about transitioning in the future whenever that'll be, whether 您 make a career out of the 军事 or not. All those things are what I realized was important behind making more 您 know money. It’几乎就像金钱是一个肮脏的词。但是,就我们而言,这是我们自由路线的货币 日常经验,以及我们有多少要注意某些事情。

If 您 have to constantly pay attention about putting 您 know bread on the table, then 您're not able to pay that attention to 您r family. So I was like 您 know what I'm going to figure this out. So I just kept diving into it. I kept making all sorts of mistakes by talking to... so I essentially started talking to brokers and lenders and turnkey companies and tax advisers and all this stuff and I don't know I made a lot of mistakes. Mike I mean I'm pretty sure did 您 make a bunch of mistakes when 您 just? 

Mike: Oh yeah man getting started 您 kidding me. My first investment was a mistake. I'm actually selling the thing right now. 

马可: For me I was like I thought okay 您 know what I'm going to do this turnkey thing and I'm going to figure out... I just had like all tomb of a rosy picture painted in my mind. I was like this is going to be cake. I'm just going to buy this thing, it's going to be ready. I don't even like all these people seem so legitimate, it's not going to be a problem at all and 您 know next thing I know the properties under a praised by way too much. The property man! It’大约是评估价格的三分之一。

物业经理从不响应。我意识到后来的合同让我有一位房地产经纪人阅读了我的合同,就像老兄,这是一个糟糕的合同。您’re literally liable for everything. just all this kind of stuff like I just made so many mistakes and it wasn't until, 您 know in simultaneously I'm talking to my parents cause I'm realizing like wow I really want to ramp this up and achieve 财务自由 sooner.

我需要让父母参与进来,并开始通过他们引入私人资本,并可能与他们合作以真正迅速地扩大规模。因此,我正在与父母交谈,尝试做一些事情时犯了错误,所以我  could show them how it's done and 您 know one thing after another and I finally get my own 出租物业 and then soon after we buy a 56 unit apartment building with my parents.

现在ADPI在哪里?整个组合在哪里适合?当我准备关闭第一笔出租物业时,我意识到没有一个地方可以学习军事方面的所有知识。好吧,我知道有一笔VA贷款,我知道有...我对现役军人的福利几乎了解不到,所以我对VA贷款一无所知。我只知道我可以在主要住所上减零。我对如何购买租赁物业之类的东西了解得更多,所以我想我认为必须有一种方法可以将所有这些东西放在一起,就像军队一样拥有如此惊人的好处,似乎太好了,  let's try to 您 know figure it all out.

So just started a word press blog and I started writing things and then people started reading some things and then I was like 您 know what I spoke to me like entrepreneurial mentor and he's like dude 您 should use this software, 您 should go into this that and the other thing and I started learning about all this stuff and somebody on, I think it was Santos on LinkedIn told me hey dude 您 should reach out to Mike foster, he's really into this 房地产 thing too and so I just gave 您 a call. Like I just messaged 您 and then I gave 您 a call and we couldn't get off the phone for like an hour and a half. 

迈克:像是的,大约一个半小时。我认为我们只是在电话上互相射击房地产男子。 

Markian:是的,我们 realized we were learning all the same things. We had an exact same mindset. I was so jealous cut like 您 just seemed like 您 had 您 know 您 were ahead of the curve already. Like anyways I was just so pumped to meet 您 and also because I didn't know that anybody else in the 军事 was interested in 房地产. So I was just such a revelation to me and then I started meeting more people like 您 just did an interview with Buddy Rushing. I spoke with him on the phone and he's like yeah that's probably a 15-minute conversation, an hour and a half later we're still talking. It’s just like sparks were going off and through the cell phone and its funny because he was like yeah when we found 您r 网站 we thought 您 like copied everything we wrote on our 网站.

I was like I don't know man I'm so pumped to find 您 too. It’就像突然之间,他实际上帮助了我获得我的第一笔财产一样,所以像所有这些东西一样,我意识到哇,这是有需要的。那里’s a need for 军事 to unite online no matter whether they're on deployment, in some other country, at home sitting on the couch or 您 know or they're commuting to work; there needs to be an educational resource that combines everything the 军事 has in order to benefit 您 financially in 房地产 education. It all needs to be combined and there needs to be a streamlined passive strategy. Like 您 can be as passive as active as 您 want.

但是,如果您只是想要,该怎么办?如果您要确保军队仍然是您的主要重点,那该怎么办?但是与此同时,当您从一个工作地点到另一个工作地点时,您能够系统地有效地积累财富和被动收入,那是在开始创建课程的那一刻,那是当我开始录制课程时,我认识了您,您开始加入并帮助我创建课程,而这正是我们试图弄清楚技术部分的整个疯狂过程。我们不得不重新录制一堆课程,我记得哦,我的天哪,你还记得那些日子吗? 像花几个小时来创建这些类似PowerPoint演示文稿,然后从中创建视频,然后天哪。 

Mike: Yeah man that was a bit of a nightmare. But I mean hey 您 know we figured it out. I mean there was a bunch of trial an error and trying to figure out what like audio programs work best. You introduced me to snag it and then inlay Gita tried to get to work for me the first couple times I just wouldn't, I'm like what the heck. 

马可: Yeah I remember I did like record my screen and show 您 what buttons I was pressing. 

迈克:是的,没错。 

Markian:但是很酷的事情是,我们在同一页面上,我从没有像我们正在制作和剪辑的任何视频那样勾勒出已经开始的课程提纲。我觉得您以为我有100%的意义,我们只是不断地通过视频滚动视频,最终在接下来的六个月里,我们有24至25堂核心课程,这很好,现在该开始学习这东西了。它’是时候继续写博客文章了,是时候制作这篇文章并创建一个实际的了……伙计们。对于我们所有的听众来说,现实是这对我们来说是另一项创业。 现役被动收入。很大程度上是一家初创企业’s not 实验了吧。我们’重新摇摆。

But it was very much a way for me to see if I can do something as a side hustle while in the 军事. Yes in addition to 房地产 and this isn't for everybody. But it is an incredible thing to see how when 您're providing and like immense value to people how it can, when 您 solve a problem 您 provide a solution.  您 create a community, that can become 您r own business right and then there's so many ways in 房地产 that 您 can start in ways 您 can create income and so that's and just 现役 被动收入. I had no idea. All I wanted to do is create a course and it's just spun out of control and this is what I plan on doing after I get out of the 军事 whatever that is right. 

Mike: And it's so much fun to 您 know I mean it's fun 您 know once 您 get into the thick of it and then 您 start seeing the impacts and people start reaching back to 您 and letting 您 know hey 您 know thanks so much for helping me buy my first property or 您 know thanks so much I never thought about things like this and now it's completely changed people's 您 know destination in life.  It’s amazing. 

马可: Dude it's crazy like 您 know guys like closing on multiple properties while out of the country or guys getting a triplex to house hack and telling us how they actually made money on the closing. I think Michael Harding, 交易结束时,他只花了三千美元就买了一个三元组。一个月后,他就像现金一样流动。基本上像这样,因为这是一次家庭黑客,所以他将所有BAAH存入银行,并且正在赚钱。 It’s just amazing like 您 know he didn't buy a turnkey property, he went the house hacking road.  other people started buying 交钥匙 properties, other people they just got their gears turning we're all talking in our club like all of our members that like, it was crazy. It was awesome and then the same time our Facebook is growing. At the same time 您 started having this dream of creating a 播客 and here 您 are like 您 know even that probably had some stumbling 沿路的街区。 

Mike: My Wi-Fi and like and all audio problems that I've had but 您 know just recording and whatnot 是的,这很有趣。 但是,这很有趣,人们继续做下去确实很有趣。 

Markian:是的,如果您正在听,你们是否意识到Mike在部署他的公司时可能会使用最糟糕的Internet进行播客,这很疯狂。您知道酒店互联网,如果我对您不对,我认为房地产确实可以纠正我的问题,但我认为它像美国的金融运作方式一样开放。就像它打开了我的眼睛,它不仅是购买可以带来现金流的房地产而已。所以我突然间了解税收,突然间我了解了如何创建企业,突然间我了解了像法人实体这样的意义,例如创建了LLC和其他东西。突然之间,所有事情在未来都是有意义的,即使像未来这样的收入也不会让我感到恐惧,因为我知道我可以’不管我决定做什么。是的,我没有,我想我们都已经从现役被动收入中学到了很多东西。好吧,我觉得我只是... 

迈克:不,都是好人。我的意思是,这就是本播客的重点。它’s for everyone to get to know 您 dude and man that's awesome bro. I mean just the amazing story that 您 had from coming from Ukraine and then coming to America and 您 can get into the Naval  Academy like that's awesome man 您 know. I mean I think one that's Testament on 您r intelligence and 您 know everything else that 您 did and had in 您r package.  I got into the prep school which 您 know like no complaining at all dude. I mean I love the prep school and everyone needs backdoor sometimes. So this was what it was. 

But just 您 know crazy hearing 您r story and him where he came from and now what 您're doing, it's awesome bro. it's this freaking killer. So really really motivating. I mean America is the place 您 know where people can come from all different walks of life and all over the world and make it and be great. So kudos to 您 men and I'm really really thankful that 您 found me. Because we are killing it dude. But tell us what's going on now. Like where are 您r goals pointing for 您r personal 房地产 career and 房地产 blessing? 

马可: Yeah so my personal goal is to now, here's the amazing thing right is we have this group. but we also have a 您 know five man team at this point in ADPI and everybody else is just, I feel like I mean dude when I talk to 您 sometimes like I feel like holy cow it's humbling that 您 guys are as motivated as 您 are about not only 房地产, but now this group and the power of the group of the 网站 of the education of the club and our team all these elements of ADPI, all the stools of ATP I is just it is the most powerful tool I've ever had. Now with our team and our club and our group I feel like 房地产 has become easier.

你知道我们有亚当,他们就像她是一个善于分析的大脑,就像打破了他发现的这些惊人的多家庭一样,’s I want to start jumping more into. I want to now get more multi-families under me and my family is like holding company. We want to just get more and more and more. So because those are how I plan on achieving my personal 财务自由 number. 那’s how my parents have already 您 know it's already been established that's how they're going to retire is off of the 被动收入 from them their apartment building. So as soon as my dad decides 您 just want to teach anymore, he can retire.

这真是太神奇了。他’就像现在每个月基本将他的薪水翻番一样。好吧,实际上今年有点艰难。因为我们不得不接管 property. We’re not very happy with our property management. We were going through 您 know some roadblocks there. But I mean for all intents and purposes like it's going to be the best investment of our lives, like this first property and so my plan is just to get more multi families. 那’s kind of my gig. But I will tell 您 what and we talked about this before like what are the pros and cons of multifamily and single-family and I think the healthy mix of the two actually is the way to go.

Yeah and the thing is with single families 您 have to be very careful to not over leverage. If 您're not in the kind of market where potentially, it kind of depends on what the price of 您r rent is. but so here's the thing with guys if 您're thinking about 房地产 and 您r primary concern is the market crash then listen up okay. Because I'm going to discuss like why my mindset and why kind of what we teach will relieve 您 or release 您 of that worry. So if 您 buy properties that are quote-unquote kind of like affordable housing and what that means, it 没有't mean that it's like 您 know it 没有't mean that it's just a war zone or it's just like a bad place to live. It just means that 您're not creating a luxury scenario, 您 are creating a good place to live that is not trying to rob anybody's bank. It is just a solid investment for 您 and it is a clean and safe place for people to live where everything works. You’不只是想让您知道金水龙头之类的东西。 

Mike: The bay layers of town like this is just 您 know straight blue-collar average right. 

马克安:对的,单位租用等等  在您知道的500至什至喜欢一千一千二百美元的价格区间之间,通常这些区域的租金实际上不会下降。现在,这不是一门精确的科学,就像我们必须深入了解每个城市的历史或真正了解它所处的位置一样。但是,无论是第一,第二,第三市场,我也可以涉足。但是在大多数情况下,如果您在市场下跌期间买入,您的租金可能会非常稳定,可能会有所下降,或者实际上会上涨,这是因为租金市场突然暴涨了。就像突然之间的人一样,有更多的人需要租房。因为突然之间他们去那里,如何取消抵押品赎回权,或者房屋变得太贵了,这只是巩固了他们需要继续或对不起现在最低的价格变得越来越难,所以租赁市场实际上正在蓬勃发展。

因此,由于我们专注于现金流,因此我们基本上得到的是,在支付所有费用后,剩下的钱会留在我们的口袋里,因为我们专注于这一点,因此我们并不关心房子的真正价值。我们只想拥有更多这些小型机器,每个月就能赚钱, then a market crash shouldn't make 您 worry. now with single-family homes as long as 您're not planning on like over leveraging and so that when the market turns down all of a sudden the price goes down and all of a sudden if 您 have find 您rself in an area where people... actually the rents will drop down as well and all of a sudden 您 can't pay 您r mortgage and 您r mortgage is that high because 您 over leveraged.

那’s变得困难时。但是我们有一个 好的策略到位,你应该没事。当您减少至少20%的费用时,当您运行数字并创建缓冲区时,您实际上就是在深入了解像我们教给您的数字。 这样,您会没事的,实际上您可能会做得很好。哦,顺便说一句,最酷的是,您将拥有一个贷方网络,您将拥有丰富的经验记录,当市场不景气发生时,您将能够说服人们给您钱来进行投资在更多的财产,并与他们一起增加财富。因为突然之间,在那些市场不景气的时候人们会转向你。像贷方一样,仍然需要使委员会停止贷款结清。

So they are going to be looking like 您 with experience right. So that's how I think about that. Now again back to 您 like the initial. But we're trying to compare single-family and multi-family. Single-family the loans are a lot easier. 您 just go to a bank 您're like 您 know 您 do a traditional Freddie backed loan 20% down and if 您're not living in it, it's probably be like five and a half percent. If 您're living in it may be like three and a half to four and a half percent interest and 您 get this thing and it's just going to pay itself off over 30 years. There’s no like balloon, typically I mean 您 can get creative with every single loan.

But typically when 您 get around property, get a 30-year loan. It pays itself off with the tenant that's living in there and that's kind of the end of the game. Like it's very easy to property manage as long as 您 know it was it was it was in good shape when 您 got it and 您're kind of staying on top of the schedule of things that needs to get done, 您 have a good property manager. It’s going to be fairly passive. It’s like 您 know as long as 您 establish the rules with them 您're like hey like for example my property in Georgia, super passive.

就像我认为他们今天需要为水暖工做些根本的事,我什至都不知道。就像他没有打扰我。就像月底我  收到了我的支票,少了150美元,他只是给我写了一封电子邮件,附有细目分类。我们不得不做一些根本没问题的事情,就像没关系。但这并没有完全打扰我,我知道在30年内这一切将得到回报。它’将在30年内升值很多。因为随着时间的流逝,房地产平均升值约3-5%,哦,顺便说一句,该房地产位于亚特兰大旁边的二级市场上。因此,从宏观层面上讲,您知道在接下来的15 20 30年中该领域的发展将会很好。

So it's just this little nugget that's going to pay itself off. Now with multifamily the loan is more complicated. You have to start thinking about how 您 want to run it as a business. You have to probably refinance or sell down the road. Like cause typically these loans have a balloon payment on them or basically they are... So for example ours in 10 years, even though it’s摊销,我们假装我们要支付30年。贷款期限,不是 摊销,贷款期限 是10年。因此,这意味着在最初的10年末,我们必须对此做些事情。

我们必须卖掉它,我必须给它再融资。因此,我们理应非常顺畅地运行它,就像我们将其正确运行到再融资十年的末期一样,  如果我们很聪明,它的价值仍然至少会达到现在的价值,而且它的价值应该是原来的两倍或三倍。但是还有更多事情要做。很多,是的,利润更高。它’s a lot more lucrative. Because all 您 have to do is look at the business operations and optimize the bottom line and then all of a sudden it like explodes and value. Saying how a little change like raising rents by 10% will literally double 您r equity. How about that. 

迈克:疯子,那是疯子。 

Markian:是的,这是通用数学。考虑一下。您 就像我们提高56个单元的租金一样,将租金提高了10%。如果我们现在能够做到这一点,那实际上将使我们的权益翻一番。那么,这意味着伙计们是什么意思呢?这意味着您能够进行再融资并提取您的初始预付款,并且让您知道新的神奇而神秘的钱,您可以把这笔钱留在您的预付款中,现在又滚动购买另一笔,这就是为什么如果您想加入多户家庭,利润会更高。 这仅取决于您准备做什么,您的生活方式是什么以及您将来想要的种类。因为猜想您每隔五年就会知道任何五年,无论该术语是什么,您都必须从头开始使用该属性。它没有完全购买,几乎忘记了。它’我不会说那么被动。你同意吗? 

迈克:是的,我绝对同意,多家庭也有很多并发症。因此,这不是您想进入的东西。您想确保自己在开始学习之前对自己有所了解。但是就如Markian所说,我的意思是,这是一个非常有利可图的市场。如果您做对了,您可以赚很多钱,而资产本身就不对。。。因此,资产对这些资产的运作方式不像在住宅中那样。因此,在该区域中,就像三间卧室的两浴房仅值一样,而三间卧室的两浴房具有相同的平方英尺。但是您知道54单元的价值与其带来的收益一样多,就像他解释的那样。因此,请务必了解其中的区别。市场运作的方式,即使房地产市场下跌了54个单位;这将是值得的 它带来的钱。 因为它的权益基于完全不同的原理。所以那些好东西。 

Markian:是的,几乎就像它对房地产市场正在做的事情一样视而不见。对,唯一会影响它的东西,这是我和亚当喜欢进入数字领域的事情。我必须接受元数据,我喜欢宏观经济学的好人,所以为什么您知道随着多家庭市场崩溃而发生的事情,就像是经过了一些讨论,他说实际上,现在基于一个家庭的多家庭价格真是太疯狂了。 ... 价格本质上是基于一个称为上限率的比率,因此取决于它产生多少,有一个比率,一个乘数,然后应用该值进行繁荣,然后得出价格,并且每个区域都有一个不同的乘数,具体取决于区域以及该区域的市场。

因此,我现在不打算进入正题。但是我只是在说,为什么您会认为这个比例会越来越大,就像市场崩溃那样会使价格变小,他解释道,这就是即使现在我们的市场也如此疯狂。它’如此之高,以至于甚至有些人购买多户家庭,与单户家庭相比,这都是一个复杂的操作。即使是那些家伙,基本上也没有完全接受自我教育就跳入游戏,他们买得太多了。因为他们只是想进入这个领域,所以您知道这是一种利润丰厚的房地产游戏,所以发生了什么事情,如果当地的租金下降了一点,那是因为突然之间人们在该镇失去了工作或在该市失去了工作那个小镇,那么他们就无法为这个您知道的50单位的庞大单位支付抵押贷款。

Because they weren't educated enough, it's still a 您 know they're going to foreclose. Yeah so anyway I'm not saying this to scare people not at all. Like 您 know it's all about education. It’关于拥有一个好的团队和受过教育。 

Mike: Exactly and that's what we're here to do guys. I mean the ADPI's sole purpose is to 您 know educate and mentor 您 guys to get 您 to understand that 房地产 is not some scary animal right. I mean even myself 您 know I didn't really 您 know come from a big 房地产 background. My grandfather had a 房地产 business, but I didn't really know much about it and they time he would drive around 您 know and properties, I was on the back of car playing my Gameboy. You know like it was what it was. But yeah 您 know it's opened our eyes to a lot and we are passionate about sharing it with 您 and showing 您 just how simple and how successful 您 can be with it. So its good stuff man. It’很多好东西。

马可: Yeah dude. let me see like I want to see if there's any like nugget for like what really... 您 know what I am going to touch on one little thing and then see if 您 have any questions for me on this is taxes. I think its hilarious how people generally speaking in America believe that okay it's not hilarious. Actually sad. 也许有一天我们会邀请他参加演出。

但是他是房地产税和一般税收的绝对专家,他实际上建议,我认为他是董事会成员,像 特朗普及其顾问罗伯特·清崎(Robert Kiyosaki)是《海军上将普尔》(Rich Dad Poor)的作者,他是一名海事飞行员和大型房地产投资者  爸。他基本上分为这四个象限。罗伯特·清崎(Robert Kiyosaki)也是这样谈论他,他谈论的是您将如何成为专家,专家,企业主或投资人,我希望我不会搞砸。但是,我只是想尝试理解一般概念。因为您是某方面的专家,因此您可以获得相应的权利,并且您基本上是, you’re working nine to five and 您're an employee.

Essentially 您 like us in the 军事 except for probably the most probably, the average amount of taxes 您 pay across all countries in the world. Because taxes believe it or not are fairly similar everywhere. It’s about 40%. So obviously 您 know for us in the 军事 we're not making much or probably in the 15 percent tax bracket as far as our W2 stuff goes. But even less than that. But if 您're an expert at what 您're doing here and 您 make as much money as 您 can and as that kind of a person in the financial scheme of things, 您're probably going to be paying like up to or around 40% in taxes. Now especially if 您 consider federal and state and all the other stuff that kind of just happens.

You realize like a holy cow that's how much I'm paying. Now if 您 become a specialist, like if 您 are a highly niche down specialist in a certain field, that's when 您 typically actually end up 您 know paying more in taxes. cause also 您're just making more and more money, 您're very very focused and I mean that's just how, all countries kind of like focus their scheme or like how they do things right and then there's the business owner, the investor. Business owners typically probably pay about twenty percent of their taxes, probably pay about twenty percent taxes sorry on average. Then investors pay about zero. My parents [46:11 inaudible] taxes 他们去年获得的财产。那真是太棒了。他们’我今年不会再交税,我也不会陷入疯狂,但我可以解释一下,我们在课程中谈到了这一点。但是,这就是为什么还可以的原因。为什么人们会竭尽全力,而实际上他们只是专注于自己的领域,却做得很棒。

这不是敲专家和专家。抱歉,对不起专家,员工。  那’是E代表的意思。 Ť他之所以这样构造是因为不幸的是  the government is a social engineering machine and all they do is they're like okay depending on how much 您 help us do our job, which is taking care of America, bettering the infrastructure, providing better housing more jobs yada yada yada, depending on how much 您 as individual is helping America be better more innovative, more 您 know all those things that the government needs to have happen to make America greater and greater and greater, so like we're going to incentivize 您.

因此,您在帮助我们做得更好方面做得越好,我们就会越激励您,因此这就是这种结构的原因。他做得很好的员工。他’也许您知道他是老师还是其他人。它 doesn’t matter. You’可能不喜欢改善基础架构。您’重新可能不提供工作。 大概您知道我的意思,就像您在9:00到5:00一样。但是,如果您进入企业主的领域,突然之间,您的薪水就会减少 税收,因为您正在创造就业机会。现在,如果您处于投资者领域,那就是您实际上要在其中投资资金的时候吗? 如果您将资金投入到可以改善美国状况的资产上,并且您知道会提供工作机会,并且正在使您成为更好的企业家,并使自己的设备变得更具创新性,而突然之间一切都开始像建立在彼此之间,那就是美国的发展方向,哇,您知道这里有所有这些机会,只要您很聪明,只要知道什么,您就可以完全扣除资产,就像突然之间的繁荣一样!

I mean we talked about compound interest guys and everybody is like oh yeah I want to put this amount of money away in my Roth IRA and hope that it makes five percent over forty years or whatever. Well what if 您 didn't have to pay any taxes? We’re just talking about 15-20-30-40% percent taxes. What if that didn't go away from 您 .imagine how that massive amount is compounding and we're able to roll that into more investments and all of a sudden 您're compounding 您r cash. It’简直是疯了。喜欢税收是什么?老实说,这就是让我对房地产感到兴奋的原因。它’很奇怪,我对此很讨厌。但老实说,我在课程的税收部分上花费了最多的时间,事实并非如此, 

I'm telling everybody right now I'm not an expert, I'm not a tax advisor, I'm not a legal specialist. I'm just a consumer and I'm giving 您 guys, I'm a storyteller okay. I'm telling 您 story how I do this. 那’这是我和迈克在课程中所做的。我们讲了关于如何在yada yada yada中有意义的工作以及我们学到的知识的课程。  But what we did is we framed it in a 军事 kind of like spin and in kind of aspect. But just so 您 know I'm not recommending or 就此向任何人提供建议。 

迈克:当然,不用担心,我们肯定会在播客中增加税收。那样的境界,我知道我需要深入研究自己的知识,这样我才能理解其中很多东西的本质。因此,据我所知,我们肯定会把这些潜入其中。所以,但是[50:26 inaudible] awesome awesome 您 know explanation of the cash flow quadrant and if 您 guys are familiar with that, check out 您 know Rich Dad Poor Dad just like now Markian said I mean it's an amazing group of what [50:37 inaudible] you don't necessarily need to buy there it was like thirty thousand dollar course or something like that like don't do that. 那’要花很多钱。但是要了解他们教的原理,因为肯定有一些不错的东西,就像我说过的,我们将在本播客中对此进行深入介绍。

But hey man let me go ahead and take 您 through our bonus round. Because we're running a little bit at a time. No worries like 您 said we love 房地产 and we can go on and on for hours on this stuff. But we do want to make sure that I am giving 您 guys enough nugget information that 您 guys can compound and 您 just kind of take. Bonus round dude here we go. I'm taking 您 through just like I take everyone else through. So I got three questions for 您 and this will kind of help everyone get to know 您 a little more personal way. But what is 您r number one read? Like what book do 您 recommend for those who are out there listening to this. 

Markian:我得给两个。我必须给两个。 But its Rich Dad Poor Dad is one of them and here's the thing. I could give people other books that I think are amazing. But if I meet any random person on the street I still tell them Rich Dad Poor Dad. If 您're listening this 播客 and 您 have not read the book please read the book. 那’都喜欢完成。那里’s nothing more so...  it will change 您r mindset and that's why it's my number one book. My number 1/2 book is 4-hour workweek by Tim Ferris. It is also a mindset book and mindset sounds boring. But I think mindsets are the most fun to read. Because they create an epiphany moment. Your brain shifts on its axis and all of a sudden 您 won't be able to sleep at night. 

Mike: 那 is very true man, that's very true. I'm actually glad that 您 gave those two. Because a hundred percent and I guess that is absolutely legit and I think that that's probably, I don't really know 您 know as far as why this huge technology in like business boom that we're experiencing here in the States like where that came from. But I really do think like 您 know this whole mindset is starting to spread. Like understanding that 您 know it's easy to make money out there, 您 got to just go ahead and do it right. So definitely make sure 您 check these books out guys and there will definitely be links to them in the show notes for sure. Alright man so number two, who is 您r biggest hero and why? 

马可:对我来说,就像我一直在看着他们为我做了多少,他们牺牲了多少,就像疯了一样。 So my dad in that aspect and then my mom for just like just the amount of care and like and in teaching, home schooling I to 您 know being there for everything. It’疯狂。这些就是我的第一英雄。 

Mike: Okay there 您 go. Hey no nothing wrong with that man.  I would say especially with the story that 您 had. I mean coming from Ukraine everything that was going on 您 know while 您're growing up man, I believe that, that's pretty powerful. All right and then last okay so what nuggets and 您've already given us a bunch of nuggets too. But if 您 had to condense to three nuggets right to give to those who are just getting started or who are looking to get started right, what would they be? 

马可: Yeah my three nuggets would be everything we're talking about, it all depends on what would what 您 want right. Real estate isn't for everybody and if 您 do not want to create streams of income for 您rself, honestly I would just out on. Like it is required like 您 need to think about it in that way. You need to think about create, like 您 need to be able to shift 您r mindset and at least do what 您 need to do to shift 您r mindset. So my nugget is if the concept of creating streams of income interests 您 dive full in. because this is the best way to do it and 您 are in the best country to do it. Period people from all over the world invest in American 房地产.

Because it's just its amazing. So I would say just make a very clear decision in 您r head. speak with whoever 您 need to, 您r partner, 您r spouse or whoever do 您 think 您're going to do this with find a partner and if 您 guys decide that this is for 您 that that creating streams of income is the way 您 want to go instead of saving money, I mean the reason why it's such a crucial moment cut all of a sudden 您're going to stop saving money, 您're going to start 投资 money and it is a scary shift to make unless 您're mindsets right. So I would say that's my nugget is like decide. Like make it like a draw a line in the sand.

Do am I on board or not 您 know. I guess that's what I'm saying. It is just make the make that distinction for 您rself in 您r head and never turn back. Because if 您're going to be teetering on the line 您 might not, 您 might get a cold feet because it's not always always the pretty picture. 您 know another thing I was saying I kind of alluded to it is team I and we talked about this earlier like holy cow guys having 您 know just having Mike for example, 您 just be like I know any VA question, I just text 您 be like 您 dude this is true or can we do this or this guy's asking this and I'm not too good on that answer, boom 您 got it or if I need to aspect a certain, dude our team is incredible.

就像我就像企业联合组织一样,固定和翻转,爆发。我们会做所有的事情,我只是觉得我现在已经很少了。您知道自己是周围五个人的平均水平。现在有五个人,就像我们每个人都是  粉碎它,就像它真棒。因此,团队将带您进入更高的层次,然后让我们看看最后一件事,就是哥们仓促地说了很多,我不知道他是否在您的播客上说了。但是他谈到了行动教育如何像你的左脚在右脚。您知道您只会继续接受教育,您会圈子走动,如果您继续采取行动,您也会走圈子,很可能会伤害自己。因此,您绝对需要教育,这就是为什么我们创建了您让您了解军事和退伍军人的一切的原因。

So this whole education, this whole 网站, this everything we're doing is to help 您 guys educate and then oh and by the way we have an entire group and community and even a mentorship club to get 您 to act and so if there's anything 您 take away is like don't do too much of one or the other like do both of at the same time. As soon as 您 educate 您rself on something, 您 soon as 您 learn one more nugget try to put that into action. 

Mike: Amen amen well said and awesome way to end it dude. 那 was absolutely amazing and yeah 您're right, did say that 您 know when I interviewed him. But it's weird because I don't think I really recognized it until 您 pointed it out, which is really really amazing like that left and right foot. oh man that’s that’s actually it paints such a good picture 您 know and it's and it's so strong and so powerful that 您 know I really hope that 您 guys listening out there take 您 know take heed to that 您 know I mean a lot of people and I feel 您 know myself personally, learned a lot of mistakes just from diving into something without fully understanding the scope. But it can be bad no and especially if 您 don't learn. So that's good Birdman. 那’s great word. 

Markian:是的 谢谢你让我参加。杜德做到了这一点。我真的喜欢 going down memory lane with 您. 

Mike: Yeah likewise and we're definitely going to have 您 on again. so this is definite the last time for sure but yeah and this has been really great and I really appreciate 您 taking 您r time especially since 您 know 您 are now father and 您 got a whole bunch of stuff going on 您 know out there.  But really really glad to get 您 on here and share 您r thoughts with the group and with our listeners. Thank 您 so much guys for 您r time and Marikian, 您 know I mean everyone knows how to get ahold of 您 right.

Markian:我可以选择所有选项。 老实说,您可以直接给我发送电子邮件。 [电子邮件 protected] I will respond to every single email. Then there's also my Instagram like that's just at @makian. You know on our 网站 guess what we have a little chat button in the bottom right corner. If 您 message from our 网站 I am probably or from our Facebook I'm probably going to be the one talking to 您.

I want 您 to talk to all people that are interested in what we're doing and if I don't respond immediately 您'll probably seeing email from 您 soon after. One last thing guys we have a 军事 house hacking book coming out. So get logged in, email us if 您 want to be a launch ambassador yeah and also just reach out if there's any questions 您 guys have, that's pretty much it. So I'm an open book and I'm I loved talking to everybody. 

Mike: Amen yes he is guys all right so take that face value because that's the absolute gospel truth. Markian thanks again so much for coming on the 播客. You really appreciate 您r time and I'll catch 您 later man. 

Markian:答:好的,谢谢兄弟。  Bye. 

Alright guys thanks so much that about wraps it up. If 您 have not subscribed his 播客 yet make sure 您. Glass thins I wasn’t to see there is a quick shout out to all those who came head and do that. All right we got a lot of awesome episode's coming up for 您 and 您 don't want to miss them. We also have a house hacking book 2.0, we are updating our book and it is launching very soon. We’我有很多经验。我为此感到非常兴奋,我真的认为这将是一个巨大的成功,我想成为这方面的大使。

Right if 您 want to get 您r name listed up as they a help or for books, all for our launch, we would really appreciate it contact us okay. Make sure 您 hit out for our Facebook and our Instagram and let us know what 您 guys think of what we're doing because we are here to serve 您. Last thing I want to say just a quickout to all those who came to the meet up this Wednesday. It was amazing. Alright I'll be posting out some notes on the next 播客 about what we learned. But that's all I've got for today Mike out.

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