Housing Expert: THE ULTIMATE GUIDE To Buying Your First Rental Property (Step by Step)

[@MillennialMike]

Michael Zuber is the real estate investing goat! He doesn't push products just to try to get your money. He actually teaches you how to invest in real estate. Everything he teaches can be found for free on his KZbin channel. He's been doing it for years

[@OneRentalataTime]

Appreciate the nice words

[@theyoder3311]

I second that, @MillennialMike is pretty awesome himself....

[@OneRentalataTime]

@@theyoder3311yeah he is

[@Coast_to_Coast]

Love it!

[@quicksilver39]

So true

[@ReiJarrod]

Zuber is the man. He not only ziggs when other zaggs in real estate investing, he takes the time to zigg to help the non entreprenaur invest instead of preaching the get rich quick and scale to thousands of units. He focuses on get one at a time and reach 4. Then determine if you like it or not and go from there. Love him and those like him! Thanks Michael Zuber and his community.

[@OneRentalataTime]

Thank you so much

[@buzztune-ft6lc]

One Rental at a Time Didn't know where to start until I found Zuber, Dion Talk, Lumberjack Landlord and Millenial Mike. Steady drumbeat of foundational content to get you started in investing. Always thankful for this community and Financial Firefighter and Old Guy REI.

[@OneRentalataTime]

Love it

[@motley06]

Agreed! Anytime I start thinking about trying some new strategy, Zuber or Dion pop up in my feed and I remember to stick to the slow and steady. I’ve got 4 rentals now and over 4 years and I’m seeing the light at the end of the tunnel 😊

[@youdqtube]

NOT impressed by Dion at all, but Zuber is great.

[@motley06]

@@youdqtube what?!? Really??? That’s what’s awesome about Zuber though. He interviews so many different people with different personalities and strategies. Find one you like and stick to their videos

[@FradAnner]

Spend your money wisely-invest in quality where it counts, for it often outlasts the cost of cheapness. Yet, remember that sometimes the simplest, least expensive option is the real gem in disguise.

[@IvanSimaleza]

I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.

[@SekouJannicke]

Great advice and I live by it as well. I have wasted too much money and time on cheap garbage

[@ColoGamerpro]

Exactly well said.. spread the wisdom

[@MosheerElly]

@@IvanSimalezaI would really love to know how much work you did to put in to get this stage

[@IvanSimaleza]

@@MosheerEllyWell her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@theyoder3311]

Michael Zuber is awesome, I love his discipline, his resolve, and his love to teach other that they can do it to.

[@OneRentalataTime]

Thank you

[@OldGuyREI]

Michael zuber is honest about the REI journey. His content has helped us get to 10 properties in last 4 years. Kevin was a huge inspiration in the beginning of our journey as well. Thanks guys.

[@OneRentalataTime]

Thank you so much!!

[@freeestyleobsessed]

Awesome! Congratulations

[@Matakui2011]

Last 4 years? What is your ROI!?!?

[@PEturnedRE]

Zubers legacy will live on thru all of us that changed our financial future based on his teachings

[@OneRentalataTime]

Thank you so much

[@ristonfuller1319]

@@OneRentalataTime I’ve been in real estate for a while as an investor. You’re my favorite real estate investor they’ve had on. One of the only guys preaches the reality of it, VS the other guys who say stuff to uneducated people that sounds good about real estate.

[@FinancialFIRE-Fighter]

Zuber is the GOAT. No fluff just keeps it real. Talks about his wins but most importantly his losses. His making an impact with his KZbin Channel and One Rental at a Time SKOOL community

[@OneRentalataTime]

Wow!! Thank you

[@tradebetter99]

@@FinancialFIRE-Fighter Could not agree more!!!

[@Ned_Talks]

Keeping it simple

[@FinancialFIRE-Fighter]

@@Ned_Talks truth

[@dwayneghant1258]

Michael Zuber is the most none salacious speaking, fact telling, experience expressing real estate influencer I have seen. NO HYPE what so ever. Terribly authentic ... Good talk!!!

[@OneRentalataTime]

Appreciate that

[@Build2RentTexas]

Love the interview and listening to Michael Zuber's experience and teaching. I like his genuineness and no agenda. He wants to make an impact for the middle class that is attainable.

[@OneRentalataTime]

Yes!!

[@JasonSpasoff]

He mentions building smaller, entry level homes and puts it on the builders to do it. The biggest hang up in most areas is the building commissioners, zoning regulations, HOA rules, etc. We need those people to open the door for builders to build entry level homes, and I 100% agree.

[@OneRentalataTime]

Fair point

[@FortifiedAZ]

true

[@Josh_Burdick]

Love it! I’ve been a follower of Zuber and One Rental at a Time for years. It’s awesome to see him get recognition. He’s the real deal.

[@OneRentalataTime]

Wow thank you so much

[@jamesgarnhart6675]

Zuber's message is so powerful. The mega players in REI are fun to hear, but not relatable to most people, especially the middle class. What Zuber is showing is how the average person can get started and make a positive difference for them and their family.

[@krey4148]

Yes 100% this!

[@DionTalkFinancialFreedom]

As soon as I saw Zuber’s face, I knew this was gonna be a great time

[@OneRentalataTime]

Wow!! Thank you

[@Joey_DiGug]

Way to go Michael! Glad they got you on here!

[@Native2Earth]

@@OneRentalataTimeI’m very interested in a video of why you left silicone valley for Vegas

[@swimmer5886]

They need to have Dion on the podcast! But not today.

[@as2223]

@@Native2Earth Maybe cuz no income tax in LV plus it's a short 50min flight to CA. if one needs to visit.

[@rommeljavier]

Zuber is great for the everyday w2 worker wanting to start in REI! Love his content

[@OneRentalataTime]

Thank you so much

[@kevingillett2739]

This is one of the best guests you’ve had on for ages. No course to sell, just real advice given with the honest story of what he did.

[@OneRentalataTime]

Thank you so much

[@MattTheMortgageGuy]

Great info from Mike ZUBER as always. Being friends with ZUBER and around the ORAAT community I can tell you this guy not only cares about helping the average person win, id say he’s obsessed with it! Keep up the great work ZUBER!

[@OneRentalataTime]

Yes sir!!!

[@krey4148]

And thanks Matt for all your great input as well!

[@lifeforgod07]

Michael Zuber is the best man to follow for the average person to become successful in real estate.

[@OneRentalataTime]

Wow!! Thank you so much

[@gary_michael_flanagan_wildlife]

Can you help me a little? I’m struggling to see how to get my first rental home. My mortgage is enough to where I have a little left over but not enough to pay a double mortgage for the rental. Is the idea to get the second home mortgage and try and charge more to the renters to more than cover my mortgage? Is that how it works? And you keep repeating it and eventually own multiple homes with the rent money from the renters? Sorry I just get confused and was always raised to be super careful with debt and risks etc. it kept my credit very good but the downside is I’m so cautious. Could use some basics thanks

[@gary_michael_flanagan_wildlife]

Can you help me a little? I’m struggling to see how to get my first rental home. My mortgage is enough to where I have a little left over but not enough to pay a double mortgage for the rental. Is the idea to get the second home mortgage and try and charge more to the renters to more than cover my mortgage? Is that how it works? And you keep repeating it and eventually own multiple homes with the rent money from the renters? Sorry I just get confused and was always raised to be super careful with debt and risks etc. it kept my credit very good but the downside is I’m so cautious. Could use some basics thanks

[@lifeforgod07]

@@gary_michael_flanagan_wildlife There's a lot to unpack here... Best advice I can give you is to just start listening religiously to Michael Zuber. He posts 6 vids a day. Eventually youll start understanding RE a little more. Figure out how to keep saving money while you're learning the game... It'll take a while, be patient

[@lifeforgod07]

@@gary_michael_flanagan_wildlife The rents are determined by the market and your ability to get market rents. If think the other way around and try to buy a house with a mortgage then just charge your rent above that, it's not going to go very well.. That's Not how it works. Tenants have choices. Your job is to find a property where the rents cover the mortgage, maint, repairs, utilities (if you cover those), property management fees, other expenses and still have money left over.

[@Abelin4u]

I had two properties when I started watching Zuber's content, but I admit I was lost in the real estate journey. I had no direction to were I was going nor did I have goals. Soon after watching him for a while, I knew exactly what I wanted and what direccion should go from there on. That led me to four properties, and soon will be getting my fifth. It hasn't been easy, but doing the work pays off. Thank you so much Zuber for being a source of continuous inspiration and motivation in my life everyday!

[@OneRentalataTime]

That is amazing, thank you so much

[@austinbar]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?

[@rogerwheelers4322]

Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.

[@joshbarney114]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

[@FabioOdelega876]

Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.

[@joshbarney114]

Finding financial advisors like Marisa Michelle Litwinsky who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@FabioOdelega876]

Excellent share, just inputted Marisa Michelle Litwinsky on the internet, spotted her consulting page ranked top and was able to schedule a call session. I’ve seen commentaries about advisors but not one looks this phenomenal.

[@AliasHSW]

Zuber is probably the most and absolutely easy on the ears showing humility and honesty

[@OneRentalataTime]

Wow thank you

[@AliasHSW]

@@OneRentalataTime - can totally relate to living in the Bay Area being house rich and yet being dirt poor.

[@krey4148]

I started watching the OneRental at a Time channel a few years ago mostly for the daily financial news. I have learned so much from him! And he has made a safe space where it is OK for the normal (W2) worker to do RE investing the simple way. Save money over a period of time and buy a new rental, one at a time! We benefitting from the pandemic and were able to buy multiple properties with a cash out refi, but after that, we bucked down and saved and are in the process of purchasing our 10th rental property. Pretty straight forward😊 thanks for bringing him on and for always asking great interview questions. I love watching the IcedCoffeeHour content here and there as well ❤

[@OneRentalataTime]

Thank you so much

[@BethTraversoRealEstate]

I've been a huge fan of Michael Zuber and One Rental at a Time for years. Thanks for having him on!

[@OneRentalataTime]

Thank you so much

[@NevadaNotaryServices]

It's nice to see Zuber out there connecting & telling his stories. Love this seg. Learned alot.

[@OneRentalataTime]

Thank you

[@angel_arreguin]

Michael Zubers Buy Box discipline model has allowed me to add 4 doors and start my wealth building journey. Thank you for inviting the ORAAT Nation!!

[@OneRentalataTime]

Amazing

[@soundsnags2001]

You guys landed the Zuber interview!? Daaaaang.

[@OneRentalataTime]

lol!’

[@Basilio_Alcantara]

Michael Zuber is the man! I found him five years ago and I'm glad I did. His content has been instrumental in my real estate investing journey and I am very thankful for being part of the ORAAT community.

[@tradebetter99]

Zuber has been such a great mentor in my investment journey along with Graham! I hope these two collaborate more!!!

[@OneRentalataTime]

Wow thank you

[@catherinemillercrowte6838]

Zuber is the OG of REI and makes it so understandable. Thanks for the content!

[@OneRentalataTime]

Amazing thank you

[@edortizrealestate]

Michael Zuber offers you more for free on his KZbin channel than most so-called "real estate gurus" offer on their courses. Great, useful information to help get the average W-2 worker to financial freedom. He doesn't push products to make a quick dollar and always goes the extra mile interacting with everyone in the OORAT community. Thanks, Mike!

[@OneRentalataTime]

I try!!

[@chriswebb4797]

Great creative way to look at the interest rate going with the buyer. I think this could be tough for those who have changed jobs, but it is a great idea. Mike has a great channel and community. Many of his followers are willing to help others. I enjoyed this talk and hope everyone who is listening join a live stream and ask Mike, Dion, Matt, Marc, or Frank some questions.

[@OneRentalataTime]

Love it

[@andrewp5493]

I’m a stock / boggle head guy and when I was exploring RE for the first time 6 years ago I came across Zuber’s channel. He was just starting after quitting his sales job. I’ve stuck with him since (even took his stupidly cheap course which he never advertises) because it was so, so obvious he was in it for having an impact and didn’t need or want my money. By taking his course I learned investing here in the Bay Area didn’t make any sense, but I learned the tools for evaluating what a good or great deal looked like vs. bad deal or alligator as he calls them. Thanks Zuber

[@OneRentalataTime]

Amazing!!! Thank you

[@herculeanheart]

Mike Zuber is the most authentic personality who gives so much time and energy to educating the middle class. I've learned so much from him and the community he's built. Graham and Jack, thank you for the outstanding interview!!

[@OneRentalataTime]

Thank you so much

[@herculeanheart]

@@OneRentalataTimeAnytime 🤙

[@00mazone]

This was my favorite podcast you have done so far. Thanks!

[@OneRentalataTime]

Wow

[@artt6864]

So cool to see Michael on the iced coffee hour! Thanks for having him on.

[@brainharrington]

Been loving iced coffee hour lately

[@OneRentalataTime]

Nice

[@akawiley1]

Zuber bleeds integrity, has receipts, and owns the misses. No better mentor! Thanks for helping to spread the word about ORAAT.

[@OneRentalataTime]

Thank you so much, I try

[@codyevers974]

Zuber is great! Been following him for years

[@OneRentalataTime]

Wow, thank you

[@WealthyInvestorRE]

Michael Zuber is the man!!!

[@OneRentalataTime]

Wow thank you

[@JoeVyhnanek]

He would never say it about himself, but no names like me and well knowns would both put Michael Zuber on the Mount Rushmore of Real Estate Investing! Every time I hear his story, I not only learn something new but also invigorate's me. He is a giver and truely wants the best for others! The guys at Iced Coffee did a great interview asking some great questions I don't think I have heard Michael answer before.

[@OneRentalataTime]

Wow thank you so much

[@CadillacSlick]

It all starts with one 3-4-unit multi-family property: owner occupied with a 3.5% down FHA mortgage! An FHA underwriter will take 75% of the rental income from all the other rented units and apply it directly to your reported income from a J-O-B. You rinse and repeat every two years as a new first-time home buyer until you accumulate 5 rental income properties over 10 years....why five rental income properties you ask? Because under FHA underwriting guidelines, you can only own five FHA mortgaged properties at any given time! After that, you should have enough rental income to qualify for a 15% down, non-owner-occupied conventional rental income mortgage to be able to buy MORE rental income properties! And the beauty of it all, ANYONE can do it! THE BARRIER TO ENTRY FOR REAL ESTATE IS LOW & DEFINITELY DO IT IN YOUR OWN NEIGHBORHOOD/CITY! LOCATION! LOCATION! LOCATION! RUN THE NUMBERS & RUN IT LIKE A BUSINESS FROM THE START!!!!!!!!!!!

[@OneRentalataTime]

Boom

[@thelazynoob24]

I can’t tell if this is sarcasm

[@jldsystemsltd]

We are up to 20 units now! I think we can feel the snowball starting to grow.

[@OneRentalataTime]

Nice work

[@OldGuyREI]

@jldsystemsltd.4657 how long have you been at it?

[@krey4148]

How long did that take you to get to 20?

[@freeestyleobsessed]

Michael! Huge one rental at a time fan! Very cool to see you on the iced coffee hour

[@OneRentalataTime]

Was amazing

[@MattGuzman-ug8dl]

Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!

[@GabbyMJ-md2rs]

Wow you give me hope

[@Lionadmike]

Please how's that possible, I'm curious

[@Lionadmike]

Please how do i go about it, am still a newbie on investment trading and how can I make profit?

[@MattGuzman-ug8dl]

Don’t be confuse buying the dip in a bear market, with guaranteed future returns. Just because that company is down 60%+ from ATH does NOT make it a sound long-term investment. Make sure you’re investing in great companies. kudos to Sonia

[@JackWilliams-hp5ip]

Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading

[@paullewis6607]

Great interview, an even better guy. He serves his community (One Rental At A Time) with purpose… to help people improve their lives by just getting to 4 rentals. Thank Michael and Olivia.

[@youdqtube]

In 1995, when we bought our first Silicon Valley house, we got an Option ARM (what he calls a pick-a-payment loan). IT WAS AWESOMENESSNESS! Started out at an insanely low rate, like 1.25% for 6 months, but the true rate was like 4%, then negative amortization, but the payment went up 10% each year and the interest rates were slowly coming down. When we refinanced to a 7/1 ARM, it had moved to where we only had one payment Option. No regrets!

[@OneRentalataTime]

Nice

[@LeviConquersAll]

Zuber is the most reasonable voice in real estate investing.

[@JR0Rider]

Shoutout Zuber!!!! One rental at a time is awesome!!!

[@OneRentalataTime]

Appreciate you

[@somesteak6100]

What a fantastic interview. This guy is very positive and realistic. Very good information packed into this episode

[@OneRentalataTime]

Thank you so much

[@MyKelTurambar]

Zuber + Graham = excellent relatable content! Great conversation, felt like 3 masters helping us all grow in our own way. Watched it twice!

[@OneRentalataTime]

Amazing, thank you

[@chadcain9974]

Michael's channel is awesome. He is a no frills investor for the common man. Been watching for yrs.

[@orangejuiceproperties]

Love listening to Michael’s story. As a W2 employee, his story resonates with me. Very inspiring. Thanks for everything you do for our community Michael!

[@OneRentalataTime]

Awesome

[@integrityroofing7334]

Happy to see you guys came together🙌🏼 great listen

[@brucecoutu8966]

Zuber is one of us! That’s why I watch all his content. Not selling us something every day. He shows us it is possible one rental at a time!

[@OneRentalataTime]

Exactly

[@DJFRY5]

Awesome interview!! Thanks for having Michael on, it’s great to hear real facts about the real estate world from a real expert who started with one property and built an amazing portfolio.

[@Millerj2450]

I’m a new dad, I moved to the Bay Area a few years ago and I’m thinking of purchasing a single family home, but with real estate prices currently through the roof, is it still a good idea to buy a home or should I invest in stocks for now and just wait for a housing market correction? I heard Nvidia and AMD are strong buys.

[@Theodore-l2j]

it’s a personal decision, but according to Forbes, housing activities will remain stagnant for the most part of the year, so maybe hold off a little.

[@Jeffery-f2e]

Certain Ai companies are rumoured to be overvalued and might cause a market correction, I’d suggest you go with a managed portfolio, but even those don’t perform so well, so it’s best you reach out to a proper fiduciary to guide you, that’s what works for my spouse and I.

[@Jeffery-f2e]

When ‘Jessica Lee Horst’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

[@ThousandEightVideos]

Best advice you can get off of KZbin. Learn to read signal charts, preferably MACD, and an RSI. If the month chart is at the beginning of signaling buy, and you check the 4 day, and week and they’re good, pull the trigger. So yes, sit out, invest in stocks. If you have a stop loss in place, you should be perfectly fine. Buying a house now, with how bad the interest rates are is pointless, you gain nothing in 5 years because your payments won’t give you any equity.

[@EdgeBauer]

Jahahahahahahaha I love these…..

[@CoachChadCarson]

Zuber, Graham, and Jack!! Love to see this. Great combination.

[@OneRentalataTime]

Hi Coach !!!

[@RiffleCA]

Great interview! I love that Michael Zuber gives an honest, level-headed assessment of what it is like investing in rental properties.

[@jameswelsh364]

Michael Zuber is the best real estate teacher on the internet. Thank you very much for this interview, it was incredible.

[@wd7056]

ORaaT is gonna blow up with this.

[@OneRentalataTime]

Fingers crossed

[@TechieTurnedInvestor]

Zuber is one of the best! Have been learning from him for years at this point! Great conversation!

[@OneRentalataTime]

Thank you

[@johnpower4384]

Zuber!!!!! His content is so useful right now. His content is a must if you are just getting started, or already in the REI mix.

[@OneRentalataTime]

Thank you so much

[@raymond-i2v]

It is difficult to make exact projections for the housing market as it is still unclear how quickly or to what degree the Federal Reserve will reduce inflation and borrowing costs without having a substantial negative impact on demand from consumers for anything from houses to cars.

[@Theodore-l2j]

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

[@RayaMarcus]

The new mortgage rates are crazy, add to that the recession and the fact that mortgage rules are getting more difficult, and home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. For now, get your money (as much as you can) out of the housing market and get into the financial markets or gold. If you are at a cross roads or need honest advice on the best moves to take now, it is best to seek an independent advisor who knows about the financial markets.

[@Derawhitney]

I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?

[@RayaMarcus]

My CFA ’’ Stacy Lynn Staples a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@staywinningpod]

Michael Zuber is one of the best in the game! Great episode.

[@OneRentalataTime]

Thank you so much

[@bennettross1]

I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Brooke Miller for helping me achieve this

[@KenistonKist]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@sole27ore]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@GertonTootle]

I'm new at this, please how can I reach her?

[@shandegabrielrojas9350]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@bennettross1]

she's mostly on Instagrams, using the user name

[@fromako]

Micheal Zuber provides great expertise on getting into rental property ownership by focusing on the framework for a cash flow asset and encouraging the commitment needed to understand your local housing market by tracking properties for fit inside of the “buy box” framework. I also appreciate his take on the US economy through tracking the inflation, interest rates, employment data, and securities markets.

[@OneRentalataTime]

Boom!!

[@joshengen4480]

Zuber knows his stuff. Been following his channel for awhile

[@mjf5049]

I’m not sure who iced coffee hour is but they were good! I’ll listen every time Zuber and One Rental at a time tells his story though. ORAAT is my favorite channel

[@Zero_Zero_Zero_Zero]

Holy cheese y'all snagged the Zubinator. Zube doesn't have followers guys he has family. Thing is, he got them all by caring about em. Legend.

[@OneRentalataTime]

Nice work

[@lsgsrob2102]

10 minutes in. Main thing, live on less than you make. He was just fine at his "9-5". He spent way above his means. I did the same thing. Then I realized I could give myself a raise if I stop worrying about what other people think. Sacrifice for 4 years to enjoy the next 60 years.... Everything else is easy. Had he didn't spend more than he made from the get go, he could've gotten to where he is much faster. That's it.

[@OneRentalataTime]

Boom

[@Not_Interested93]

Came here from the ORAAT channel. Zuber’s always providing value and keeping focus on the facts. Love this

[@OneRentalataTime]

Thank you so much

[@chiphoward8565]

Love this and watching ORAAT grow!

[@OneRentalataTime]

Amazing

[@kimberlyworkman]

Great episode with lots of great learning nuggets. So much quality teaching from Zuber and one rental at a time.

[@OneRentalataTime]

Appreciate that

[@et6794]

I agree with Millennial Mike, Zuber is the GOAT of real estate investing! He's not only great at it, he has a heart of gold!

[@OneRentalataTime]

Wow thank you

[@rubayyatkhan]

Zuber is amazing. Great content.

[@OneRentalataTime]

Thank you so much

[@dillyfrank5562]

Great show. I’ve been following buddy on KZbin since 50 subs. Very intelligent guy

[@OneRentalataTime]

Wow

[@ryanhusser2566]

Zuber is the man, thanks for having him on again Graham

[@OneRentalataTime]

Thank you so much

[@karencasey5427]

Zuber is amazing. Thank you for interviewing someone so down to each. He truly makes you feel and provides the path to reach 4.

[@OneRentalataTime]

Thank you so much

[@Fleet57]

One Rental @ a Time, my favorite channel! Enjoyed watching this interview. Michael, you make the ORAAT community proud!

[@OneRentalataTime]

Thank you so much !!

[@IanHall-uo6qc]

Yeah listening to Michael like this and watching his channel is completely different. When watching the channel you don’t get the feel of the massive amount of wealth that he has. You feel like he is grinding with you. This video actually truly shows the wealth he has, which is pretty incredible. I love that he keeps it close to his chest on his channel.

[@OneRentalataTime]

Appreciate that.

[@mike2959]

Jan ‘07 I am buying a house. It’s my 2nd primary. I know a little bit…was not into real estate. My loan officer calls me and says great news, your appraisal came in 75k more than your loan, would you like cash out at closing? I’m like, I thought I had to bring 10K at closing, answer, nah you’re good, we can loan the down payment back to you in your loan. I said nah I’m good. Something doesn’t feel right about this…

[@OneRentalataTime]

Smart

[@Marco-fe5wu]

Great podcast, I didn't know about Michael but it's clear that all his knowledge is hard earned. It's interesting that Graham is still worried about running out of money. I don't think looking at it logically based on odds (like an insurance would) as Michael suggests will help him though. What helped me is the understanding that I can be successful at a W2 job, know how to buy/rehab multi-family apartments and in the past did build my own small SAAS software. Unlike money, all that knowledge can't be taken away - so even if I need to start with 0, my knowledge of all these things will allow me to earn it back. I think Graham has a lot of knowledge too, being a realtor, content creator etc. - would it suck to start from 0 - yes, but it would be much easier the second time around.

[@OneRentalataTime]

I like it

[@dmitryg6353]

Zuber is the man, great interview. Thanks 👍

[@rileyknutson9045]

Wow to listen to these guys in the same room is awesome. Thank you both! I owe a lot to Zuber, glad I found his channel years ago. They say show me your friends, I’ll show you your future. Hi friends :)

[@OneRentalataTime]

Love it

[@JayMomoa-4]

Awesome interview!! Thanks for having Michael on, I’m closing in on retirement and I'd love to move from Minnesota to a warmer climate, but home prices seems ridiculous today, do I go ahead with buying a house anyways, or look at other sectors of the market as of now?

[@Linette-g-y]

consider talking to a well-experienced advisor about which sectors of the market to focus your portfolio on, diversification is actually key to good investing.

[@albertzalez32]

Agreed, amid covid-19 outbreak, I simply adopted the service of a certified financial planner instead of panic, and thankfully, I've accrued nearly $1m ROI after subsequent investments to date, marking my most significant financial milestone

[@Biggerstaff4]

@@albertzalez32 this is great! once you hit a big milestone, the next comes easier.. who is your CFP if you dont mind me asking?

[@albertzalez32]

I take guidance from a Montana-based advisor ''Katherine Nance Dietz'' To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did

[@OneRentalataTime]

Thank you so much

[@NiceGuyDan08]

Oh Zuber! I think he's fantastic, so glad to see this!

[@OneRentalataTime]

Wow!! Thank you so much

[@NiceGuyDan08]

@@OneRentalataTime I watch most of your videos nowadays. The Three Amigos + Pace video was great! Love the different perspectives

[@PublicFreakout]

I have been watching ORAAT for about 4 years now, some would say “religiously,” and I can confidently say I have never learned so much from a single individual before, as I have from Michael Zuber. Zuber is the GOAT of GOATs.

[@OneRentalataTime]

Wow that is amazing

[@Mr.T.Pierce14]

Zuber is the man. So relatable to the average W2 worker. Get to 4 units, simple and easily achievable. Not everyone is cut out to be an entrepreneur.

[@OneRentalataTime]

Thank you

[@lifeforgod07]

@@Mr.T.Pierce14 even for those who are "cut out" and try, only like 10% of them succeed.

[@johnbenisek8846]

Thanks Zuber! You’re the man. See you in Vegas!

[@OneRentalataTime]

Awesome

[@AllNighterHeider]

Zuber is a great guy!! I have only ever had and heard of positive interactions with him. Even when we disagree, we are both respectable. Thanks for having Zuber on.

[@OneRentalataTime]

Love it

[@joelpaulk4437]

Following one rental at a time for a few years. Unfiltered truth from a creator who is giving the blueprint to change your life. Thanks Michael!!

[@beandip4412]

Zuber and one rental at a time is a daily listen for me!

[@OneRentalataTime]

Amazing

[@nolanderskidaddy]

I love how the big goal of one rental at a time just 4 rentals. It's an attainable goal, but even at just 4 it would have a huge impact.

[@OneRentalataTime]

Exactly

[@tonynelson6269]

Michael is great.. One or two rentals will really change your life. I love the fact that he points out that just one or two rentals will change your life.

[@OneRentalataTime]

Exactly

[@rickydenigro2558]

You guys make my Mondays at work so much better

[@OneRentalataTime]

Happy Monday

[@milnerhanahan4536]

Great investor and is so helpful with free content

[@MitchDore]

Thank you Graham! You are showing us extreme value for the price of the like button 👍

[@OneRentalataTime]

Amazing

[@clintoncoker4318]

Zuber is the real deal .

[@OneRentalataTime]

Thank you

[@justinbradford9826]

ORAAT life member. Michael is a great guy who just gives. Such a knowledgeable person.

[@OneRentalataTime]

Thank you so much

[@Ms.K001]

Mike Zuber rocks! If it were not for his ORAAT community- i would have never jumped on that investment property ladder. So far 8 rentals and many, many more to go!

[@OneRentalataTime]

Nice work