부동산 여정: 성공과 실패에서 얻은 교훈

### 데이브 램지의 부동산 여정: 초보자의 실수부터 전문가의 통찰력까지
* 🏠 데이브 램지는 **842달러의 수익과 7,000달러의 부동산에서 14,000달러의 손실**을 입은 HUD 리포부터 시작하여 초기 부동산 투자에 대해 이야기합니다.
* 📉 이러한 좌절에도 불구하고 램지는 계속해서 부동산을 투자하여 결국 **1984년에 2,000개 이상의 부동산을 소유**하고 **25만 달러의 수익**을 올렸습니다.
* 💰 1988년 램지의 파산으로 **400만 달러 규모의 부동산 포트폴리오가 사라지면서** 계약자, 세입자, 시장 변동에 대처하는 데 귀중한 교훈을 얻었습니다.
* 🧠 그는 **수리비를 뺀 가격의 70% 수준**에서 부동산을 구입하고, 부동산을 비즈니스로 운영하며, 빨리 부자가 되려는 사기를 피하는 것이 중요하다고 강조합니다.
* 🔍 Ramsey는 임차인이 항상 제때 임대료를 지불하고 부동산은 **"가난한 사람의 게임"**이라는 일반적인 오해에 대해 경고합니다.
* 💼 그는 부동산 업계에서 강력한 **'엉터리 측정기'의 필요성**을 강조하고 성공적인 부동산 관리와 관련된 인적 요소에 대한 인사이트를 공유합니다.
* 📊 초기 실패에도 불구하고 램지는 **'제로에서 영웅으로, 영웅에서 제로로'**로의 여정을 통해 평생에 걸친 학습과 부동산 사기에 대한 예민한 레이더를 갖게 되었습니다.
* 🎓 Ramsey의 경험은 실수로부터 배우고 전략을 조정하며 **현실적이고 신중한 사고방식**으로 부동산에 접근하는 것이 중요하다는 점을 강조합니다.

부동산 투자에서 성공하려면 빠른 수익만 쫓는 것이 아니라 사람이라는 요소를 이해해야 합니다.

foreign. So, I did my first flip in 1983, the year before I was born. So, that would be 30 years ago, right? Or 40 years ago? 40. 40 years. 40 years ago. 40 years ago, yeah. The first flip I did, I was so stupid that I thought that everything that was a foreclosure was a good buy, that if it said foreclosure, that it must be cheap. I equated foreclosure with cheap, which sometimes is true. I think most people do. But I bought a HUD repo. They used to put them in the newspaper, and you would bid on them. FHA Reef, FHA foreclosures, HUD repo out of the news. You had a newspaper as a bid process. I turned in the bid. I talked a banker into financing 100% of it because I had a real estate degree. I was a real estate guy. I knew all about real estate, and I was 23 years old, so I was a freaking genius, okay? And so, I bought this house. I knew everything about the house before I bought it. I'd gone through it with a

fine tooth comb. Okay, the um, in those days, they used uh, we we used uh, copper pipes for the water supply. And the cut, the house had been sitting empty, and so the copper pipes had frozen and split. And so, it was pretty much a sprinkler system underneath uh, and you had to go through and redo the copper pipes. And I knew how to do that because I'd done renovations work in high school, working for my dad in the real estate business. So, I crawled around on my little back under there with a little torch and fixed all of the spliced all these pipes, fixed all the pipes uh, put new carpet in it, went in on the weekends, and Sharon and I repainted it. Okay, and I kept all of my receipts for what I spent and paid myself zero labor. How stupid I was. And we put the house on the market, and it sold in five weeks. So, I'm a huge success, net net net net. When I got done, I added up what we had in it, what we paid for the closing costs, what we paid

on the closing cost on the resale. What actual after every dollar is recorded. What actual net profit did I make? 842 dollars. You're an overnight success. I'm now on game on. Can't nobody tell you obviously good at this, which means that I probably paid myself what a dollar an hour labor. Well, you know, I didn't get paid for the labor. The 842 was with this free labor I had. I had slave labor. Me? Yeah, you and my wife. And my wife. Yeah, so we're in there. So that was job one. Okay, the next one. I will. I bought and I thought, well, I'm not buying any houses in bad neighborhoods because I don't know anything about all that stuff. I'll get in trouble. But this guy called me up and he had a house and he sold it to me for seven thousand dollars. And I ran the in what I thought was the estimate. And I had three contractors look at it and give us bids. And the first contractor wanted a fifteen hundred dollar deposit up front.

never saw him again. Right, went to his trailer and knocked on the door in the trailer park, trying to get my fifteen. I wonder what I didn't get shot. By the way, he had already left and gone to Kalamazoo or wherever it is contractors go when they take your fifteen hundred dollars because you're an idiot and you give it to them up front. Yeah, and so then I started on the second contractor, the third contractor, the fourth contractor, and uh, when I finished with that property, I had already done a whole bunch of other deals by then, uh, like uh, 60 or 80 more deals. Oh my gosh. By the time I finished that property, I ended up only losing fourteen thousand dollars on a house I paid seven thousand for four and a half years later. Oh my gosh. This is how dumb I am. So if that wait, if that, that's another house had been your first house, I would have been out of business. Yeah, I would have been Nate. Yeah, you would have.

been like I'm never doing this. My wife would have been going, Yeah. Instead, I managed to delay the pain on that one, meanwhile doing a whole bunch of others, and I made a lot of money. Yeah, I made a lot of money. I ended up in my life. I have owned over 2,000 pieces of real estate. I flipped real estate as my job for four years. I was using 90-day notes to fix them and flip them. I made, and I started buying property at 70 cents on the dollar minus repairs. Wow. So, a hundred-thousand-dollar property, I buy it for 70 minus the repairs. That was the formula, and that means I bought a lot of foreclosures, a lot of estates. I did some historic rehabs. We've done a bazillion deals. I can walk around Nashville. I did that house, that house, that house, that house. 30, 40 years later, I want to take that tour, and uh, yeah, you don't want to be in that neighborhood probably, but um, okay, some of those neighborhoods are now

gentrified, but um, gotcha. They've come back a long way from seven thousand dollars. Now it's 260 to live on that street, and it's a great property. Not really. Still in Dodge City. The shoot up down the street. It's Dodge City. I don't care whether it's gentrified or not. So anyway, the uh, you're killing me here, but yeah, so this is my real estate career. So when I get aggravated at the idiots on Tic Tac, it's because I was one of them. Yeah, okay. I was doing the exact same stuff, and I can smell neophyte beginner a mile away. Yeah, because I was. I was. I was 23. I was going to get rich in real estate. I made 842 dollars, minus the cost of my labor. I lost 14,000, and then I went on to make money and make money, and I started figuring it out that I had to, you know, I had to, I had to be tough with contractors. I had to get with good ones, and I had to

have been tough on schedules. You had to be finished, and then you put the house on the market aggressively, and you flip it. You don't keep it ever, and uh, you know, not like her. We're not in the rental business. And then, then I ended up buying a bunch of property. I buy packages of houses, about 10 or 20 at once, and they were rental portfolio. And I lost every bit of that when I went bankrupt in uh, in 1988. Five years later, I have now owned, had four million dollars worth of real estate when we went in. That's a fast one in a bankruptcy. That's a whirlwind day. It was. I worked all the time, and I was really, really good at doing deals, but I'm saying to go for from Zero to Hero or hero to zero and back. Zero to Hero to zero, that's a PhD in d u m b is what that is, yeah. And so, but I got a lifetime of learning there, and it led me to have a bullcrap meter that is very sensitive to real estate people and uh, so you know.

when you guys are talking about right now because real estate's real hot, right? It's a popular fad topic again. Everybody wants to do a real estate deal. Everybody wants to do a flip. Everybody wants to own real estate, and your renters will pay your rent. Rentals will pay the payment. You don't worry about it. It says people who've never had renters. That's a dumb butt statement. Okay, let me tell you. Let me teach you some words. Chapter 13. Bankruptcy. For I will pay you when by God I want to. Okay? And let me tell you what you can do with a tenant who's in a bankruptcy. Nothing. Wow. You have a stay on you, which is an injunction. A federal court has looked at you like a dog and said stay. And as a creditor, if you even call your tenant, you can be held in contempt of court. Wow. You cannot talk to them. You cannot do anything except everything they wish as far as repairs while they pay zero rent because you stay, dog stay. Yeah, you learn this when you've had a

couple of them, so when renters are always, they're going to pay the payment, and it's a free house, and I'm, you know, I have a jet airplane, and you're just an idiot, you're just an idiot on TikTok, that's what you are, it's unbelievable. Well, here, so real estate is great, but there's a people factor with the contractors, there's a people factor with the renters, there's a people factor when I overestimate how much money I'm gonna make, I underestimate the contractor, the time it's going to take to run it. I think it's going to sell faster than it is because I'm always a glass-half-full guy, and right before that's when you get your freaking nose bloodied. Slow down, people pay cash for the stuff and run it like a business, not like a get-rich-quick scheme. It's your only hope of making money in real estate. That is not a poor man's game. I think that's

the part that anybody can take away from this is it would be one thing, Dave, I feel like if you were sitting here going, I tried that real estate thing, and this is what happens, and it was just like this negative story. But then you go on and figure out the best way to do this, the smarter way to do it, the way that actually works, and that's what you're teaching. It's not like you're saying, Stay away from real estate, never do it. There's just a right and a wrong way to do it. I was 24 years old; I had a million-dollar net worth in 1984, and I made $250,000 that year. That's $20,000 bucks a month in 1984. Okay, in 1988, my taxable income was $6,000. Wow. All I did was sell property and bankruptcy. This is the Ramsay show.

Dave Ramsey: How I Lost EVERYTHING Flipping Houses

The Ramsey Show Highlights

저는 40년 전에 모든 압류 주택이 좋은 매물이라고 착각하고 첫 부동산 플립을 했습니다.

저는 HUD 레포를 구입하고 100% 융자를 받았으며, 제가 가진 리노베이션 기술을 활용해 집의 동파된 구리 파이프를 수리했습니다.

집은 5주 만에 팔렸고, 인건비를 받지 않았음에도 불구하고 큰 성공을 거둔 것 같은 기분이 들었습니다.

이 발표자는 자신과 아내의 무료 노동력에 의존하여 첫 번째 부동산 거래에서 842달러의 순이익을 올렸습니다.

그 후 7,000달러에 주택을 구입했지만 신뢰할 수 없는 계약업체로 인해 4년 반 동안 14,000달러의 투자 손실을 입었습니다.

초기의 좌절에도 불구하고 연사는 60~80건의 거래를 더 성사시키며 부동산 여정에서 겪은 어려움과 배움의 경험을 강조했습니다.

이 발표자는 2,000채가 넘는 부동산을 소유하고 있으며 4년 동안 수리비를 뺀 70센트에 매입하는 공식을 사용하여 부동산을 플립했습니다.

그들은 차압과 역사적인 재건축을 포함한 수많은 거래를 완료했으며, 수년 동안 이웃의 젠트리피케이션을 목격했습니다.

연사는 부동산 업계에서 자신의 여정과 어려움을 되돌아보며 계약자에게 강인하게 대처하고 실수로부터 배우는 것의 중요성을 강조합니다.

발표자의 부동산 여정에는 공격적으로 집을 뒤집고 임대 부동산 패키지를 구입하고 1988년 파산을 경험하는 과정이 포함되었습니다.

좌절에도 불구하고 결국 5년 후 4백만 달러의 부동산을 소유하게 되었습니다.

연사는 집주인으로서 겪는 어려움, 특히 파산한 세입자를 상대할 때의 어려움을 강조하고 부동산 거래에 대한 민감한 '불크랩 미터'를 공유합니다.

부동산은 수익성이 높을 수 있지만 계약자부터 임차인에 이르기까지 중요한 인적 요소를 수반합니다.

수익을 과대평가하고 비용과 시간을 과소평가하면 재정적 어려움을 겪을 수 있습니다.

현금 중심의 접근 방식과 장기적인 관점으로 부동산 비즈니스를 운영하는 것이 성공에 매우 중요합니다.