That setup looks really convenient in a lot of ways. If I lived around the water I would probably get something like that as well.
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Yeah the whole backpack setup is really convenient. I go to this one beach called Grand Mere State Park, its about a half mile walk through the forest preserve, then you pop out of the woods at the base of a giant sand dune. YOu have to climb about 4 enormous sand dunes for about a quarter mile and then get to this awesome beach. the hike is a fairly tough one especially with this but its doable and a great beach once you get there
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That sounds pretty epic! I miss lake Michigan and the dunes.
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You ever come back to Indiana to visit? If so let me know next time your comming back, I'd take a drive to meetup and hangout if your down.
I was supposed to be going on a trip out to Arizona late summer early fall but looks like its getting pushed back to maybe next spring.
This summer I'm gonna try to hit up Charleston SC later this summer, then had an unexpected trip to Aruba pop up, my gf's friends family sold a property in Chicago, used to be their family house a 3 flat and used to be a shitty neighborhood, now its yuppie central so they got a couple million for it. They gave the daughter ie my gf's friend like 450k and stupidly rather than investing it or putting any away or buying a property she quit her job and has been pissing away the money traveling for the past 8 months one trip after another and basically taking along people who imho are kinda using her.
Anyhow, she rented this over the top house with its own caves and grotto, each bedroom has its own wading pool, the place looks insane. I guess she rented it and was like whoever wants to come your welcome to. It happens to be the day after my girls brothers wedding so I think a bunch of us are gonna fly down there for a few days
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I'm hoping to be back to Indiana sometime this year. I'm actually selling this property in Arizona so are sort of caught up here for now with that situation.
That is pretty crazy with the whole Aruba situation. Sounds like your gf's friend is ball'n out of control for the time being.
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Where you moving to? Staying in the area and just moving to a different place or you looking to shake things up and move somewhere?
Don't mean to get too personal but do you have a day job or are you completely independent and hustle? Reason I ask is I'm looking to kind of change what I'm doing and maybe sell out my portion of my business and do more independent stuff. Feeling kind of rushed to make a house purchase while I can still show my business and income as opposed to leaving my business and then trying to buy a house showing like 100 different 1099's from Youtube, various affiliate programs, etc imagine that would make getting a mortage a huge headache so just curious your experience on that front.
If you wind up heading back to Indiana to visit this year I'm sure you have a ton of stuff to do catching up with family and friends but if you wanna meetup lemme know
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I'm planning on spending some time back in Indiana for a little bit and then I might spend a month or two out in Seattle with a friend. Then I really want to focus on traveling the world. I have wanted to do that for a long time.
I don't have a day job. I just hustle and work on my own businesses. As you know it is can be really tough. My mortgage is $1,570 / month and it is just me so especially when stuff isn't going as well it can be stressful for sure but I almost have this property paid off.
I thought you just bought that new property that you did the liner in the crawl space?
So what I actually did on this house purchase was something non conventional. I did what is called a mirror wrap around mortgage. There is something called an agreement of sale in Arizona where you can wrap someone elses existing loans so you don't have to originate new loans. Mortgage amortization is basically rigged to chew people up in interest at the beginning of the loan so wrapping existing loans can be one way to get around that. It is harder to find someone who would be willing to do that now. I did it when there was a high percentage of people getting foreclosed on here and the people I bought this place from were 13 months behind.
Yeah I would be down to meet up for sure once I get back there. I would actually like to go up to Lake Michigan and check that out again.
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Your a fascinating dude @brianphobos . I really have to give you props for supporting yourself off hustling. I think I'm sometimes a bit too cautious, my business was doing really well for years and I was still to chicken to make the plunge to go fulltime until 3 years and the business was doing 6 figures so I really admire you having the balls to do your thing and live your life on your terms.
That's interesting about the mirrorwrap mortgage. Do they still vet your credit and go through underwriting or do you literally just take over the loan? I know when I was buying my house here it was a big headache providing proof of income for the mortgage. Fortunately my business has been around a few years and I had a few years of tax returns but I make a decent amount off youtube and they didn't wanna count that which i kinda understand because its a 3rd party thign, because income isn't super consistant, etc.
While I am an "entrepreneur" I honestly feel more like an employee or a worker. I don't really live the Entrepreneur lifestyle or at least what my image of that is. I'm pretty much in the office 9 to 5. Because I worry about teh business and because I dont want to put a burden on my partner I probably wind up taking less time off than when I was working a job and I have a hard time leaving work at work.
I did buy a house somewhat recently. My first house was a duplex I bought in my early 20's moved in with a couple buddies, a few years in my folks moved to Charleston so I rented my house and moved into their house and rented it when they were away to help them out. DId that for a few years and then about two years ago bought a new place.
I'd like to build up a portfolio of rental properties so currently I have one rental and also have a home I live in. I'd like to buy a house in or around Charleston SC rent it for the next year or two and then eventually make the move down there. Real Estate down there is appreciating so fast A. I see an opportunity to make some money and B. I feel like I need to buy something before I'm priced out of the area which is already happening to an extent.
It's really amazing 5 or 6 years ago when my folks moved down there it was a relatively cheap plaec to live in terms of real estate and cost of living. Now, shit man for like 200K your lucky to get a 2 bedroom condo and were not talking luxury condo, think your average mediocre suburban apartment complex ie ugly exterior, cheap finishes inside etc, your lucky to find a 2 bed 1 bath for 200k or even 230k. The area I'd like to live Mt Pleasant I'll do a search on Zillow and you cant find a SFH under like 400k maybe even 500k. For 250K you'll get a trailer in some swampland if your lucky lol.
I try to spend most weekends out at lake michigan. 2 of my favorite spots are Weko Beach in Bridgman Michigan. Less crowded than chicago, sand dunes in the background, some great places to hike a campground and they have a dog beach a ways down.
Another nice spot is Grand Mere State Park in Stevensville. I'll occasionally hit up Indiana beaches but it just kinda turns me off being in the water and seeing the gas refinery and all that stuff nearby, I do love hiking the dunes nad stuff in that area or even just going and sitting at the beach there but not my favorite area to swim.
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With the wraps you don't have to leverage your credit because a new loan isn't originated. So you can take down any size property fast and not get approval. It is often a mechanism that is used by investors who are going to take down a property and within a couple of months flip it. So they will just wrap those loans so they don't have to go through the approval process and they won't have to find a hard money lender or any of that.
There are some issues with it depending on the type of loan. Most loans today aren't truly assumable. They want people to always start over at the beginning and spin their wheels in interest.
A lot of loans have due on sale clauses that basically state that if the property is sold the loan can be called due and the lender can make you pay the entire principle balance. Mine isn't like that. They can't call it due and plus it pays off in 2 months. Usually if a loan is being paid then there is no reason to call it due.
I have been up to Stevensville. I actually used to have a FedEx box there and we would send supplements there and my parents would go up and get them and take them to Indiana. It was a pretty good setup for about a year or so. Supplements are considered food in Michigan so it isn't taxed.
Overall the hustling can get exhausting if stuff isn't going that great and just in general with anything it is tough to stay motivated. I have really go burned out with the resell stuff but I really need to be focusing more on it.
I would just rather focus more on crypto but I somewhat get burned out with that as well. It is tough to crank enough content and stay motivated.
Like today I really should crank like 3 videos. If I could average 2 videos a day then that would be ideal.
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