저자: Kevin · 외국인
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Kevin은 자신이 약 963만 달러 규모의 대출을 개인 보증으로 받아 비즈니스용 Phenom 300E 제트기를 구매했다고 밝힘. 이는 하우스해크 스타트업과 미디어 사업을 동시에 운영하기 위한 사업적 위험 감수이며, 대출 부담은 월 최소 7.1만 달러 수준. 중고 시세 비교로 가격의 합리성을 설명. 개별 종목·자산에 대한 가격 방향 예측은 없음.
다듬은 글
I might go bankrupt yes that is true and in this video I want to talk to you about the entrepreneurial risk of feeling like you might go bankrupt so first I want to explain that when I became a real estate agent I had a steady job working at Red Robin as an expediter I never made it to server I got I moved from Jamba Juice I made a dollar more per hour and I was so excited but I never made it to server and you know what I just decided that's it I am going to quit and I'm going to become a real estate agent I didn't make a dime from that for 11 months it was a YOLO it was a YOLO to start a real estate business at the bottom of the market in 2010.
that's crazy why would you do that but I did and I did the same thing again pretty much when in 2013 I decided you know what I'm gonna YOLO a substantial portion of my net worth into doing a TV commercial to blow up my real estate business and then I expanded the business into different verticals getting a construction license and a lending license and some things worked out and some things didn't and then I quit that entire business because I was doing YouTube and I started doing YouTube full time now remember I became a multi-millionaire well before YouTube I just brought the teachings of real estate and stocks to YouTube and and people enjoyed that perspective and I'm so grateful for that I'm so grateful that you come here to watch me flip-flop all the damn time I think nobody knows how to flip-flop better than Kevin and look I like flip-flopping because PP flip pp's flip-flop all the time and that's something you have to remember is that PPS are not constant they're never constant they go up and down pp's flip-flop all the freaking Time pricing power for companies change business pricing power for where you are in your life changes I am a conservative in my opinion real estate investor really really conservative real estate investor but I'm also willing to make really really big bets on businesses whether that's in stocks or in my own businesses and right now I'm at another critical point in my life where I've decided to make a really big bet on my businesses and that could go personally really badly for me now whatever ends up happening I'm going to share everything with you I certainly don't think that I'm going to go bankrupt I think that I'm 98 certain that I personally will be totally fine but I want you to see what I just personally signed up for and then of course I'll talk about what implications this has for uh for my uh my ETF and house hack separately right this video is about me this is not I always have to be very clear because sometimes people see me make a title like this or a video like this and I'm talking about me personally and they kind of conflate that with like an ETF or uh house hack the real estate startup this is very separate from those so keep those in the back of your mind but I'll Circle back to those so what did I just sign up for uh this folks I just personally signed on a 9.6375 million dollars of debt this is the largest loan single loan I've had more loans than this obviously in real estate but this is the largest single loan that I have ever personally signed on this loan is uh being written to the not my Tesla LLC that's because unlike Tesla I want this to go up uh preferably not down uh and um and I am uh uh myself and Lauren are the signers and personal guarantors of this loan so uh if this loan goes poopy doopies then uh I am personally on the hook for this now again I want to be so thankful and grateful to you because if it weren't for you as a community watching my videos and the thousands of you who are course members or Affiliates for my courses who are like dude you know love Kevin or hate Kevin on YouTube these courses actually do have tremendous value the course member live streams love them or hate them uh like Kevin as a person damn there's some really good research and insight in those that you're not getting anywhere else I mean you're getting basically my brain and my team's brain just dumped to you all in in Q a format and research look I'm not trying to sell you on I'm just trying to say thank you to all of those of you who support me because you make this possible Right you make it possible for me to take this risk this is a risk I'm taking you know some people are gonna look at me and go you're an idiot and people told me it was I was an idiot when I did my my uh TV commercial for real estate people told me it was an idiot when I became a real estate agent people told me I was an idiot and I should get a real job when I started my YouTube channel you know like I'm always called an idiot and every time somebody calls me stupid it's a sign that hmm maybe that is what I should be doing so I'm getting called pretty stupid about this and people think I'm trying to like subsidize some kind of like luxury lifestyle with this and I'm going to show you some pictures okay and then I'll show you like the monthly payment that I'm facing with a sucker as well uh but um yeah look when you see this it's gonna look like a butter purchase okay because I've always said that stuff like this is better this is a Phenom 300E small jet I call it a baby jet uh it is a two pilot it can be flown single pilot but it is a two pilot uh twin jet jet airplane this is extremely expensive uh it is uh it is a basically a 13 million dollar plane uh I want to come clean about why by the way and I talked with course members about this in a research note this morning that I sent out to everyone but um I just want you to know what I faced when I was when I was looking at this first I was told that I'd be looking at 10 down on a plane okay 10 down is very very different from where we ended up it went from 10 down to 20 percent down to 25 percent down like last minute because of macro conditions so 25 down on a plane is a lot more than 10 down on a plane so I needed a lot more cash inconveniently here in December than I thought I needed on top of that on top of that okay this is the other thing I thought I was gonna buy an 8.6 million dollar plane but the 8.6 million dollar plane I went and looked at ended up being a smoker plane you wouldn't know that from the pictures and stuff they said they redid the interior and I'm like I better go check this thing out much like in real estate you go there and it's like oh that's why that one ain't selling like Lauren ain't gonna go in a smoker plane with me you kidding now I'll talk comps in a moment okay we did a lot of shopping uh for this thing but uh and I'll talk to you rationale for this although I'm not trying to like justify this thing it's a business risk okay I'm not trying to subsidize the luxury lifestyle it's a business risk but this this is a big deal so I had to pay more for a plane uh than I was expecting to not only did I have to pay more for a plane than I was expecting to but uh I had to put more down and it sucks now the good news is I'm getting a much newer plane first of all the paint job is dope okay it looks like a circuit board it looks like a computer it's sick it's a Phenom 300E thing's got some of the most advanced avionics that you could ask for it is got the Garmin 3000s Pilots are gonna love this this thing is is new it's beautiful it's safe it's great I'm so excited about this uh but look I you know I'm not trying to sell you on on the idea of this plane right this is a business risk that I'm undertaken and and I can only do it thanks thanks to all of you and therefore I feel like I owe sharing this basically YOLO that I'm taking with you because it's a really big risk like a plane can sink people planes are really expensive I am setting aside died about two and a half million dollars in an annual expenses for payments and uh for for pilots and for hangers and everything else for this plane the plane is going to cost me on a monthly basis at minimum 71 000 just for the loan now fortunately it is a 20-year fully amortized loan so it's not there's no balloon payment uh never do those there's no uh you know uh variable rate uh which I probably wouldn't mind at this point because I think the rates are going to go down but there's also no prepayment penalty so I could refinance which is nice but dude this sucker is probably gonna cost four to five thousand dollars an hour to operate the good news is the variable costs are only going to be about a thousand to fifteen hundred dollars which is nice so it's kind of like the most expensive part of having a plane is actually not using a plane is owning a plane like the expensive part is owning a plane not using a plane now if you want to do like the one-off flight Charter you end up paying like fourteen or fifteen thousand dollars an hour that's a rip-off that's insane like this is already expensive but I'd rather pay like four thousand dollars an hour if I use the thing right but it's it's predicated on using blood so this is literally a a business YOLO that's that's all I could tell you it's got nine seats uh uh belted lav uh it's got the two seat couch in the front it's small plane uh it's got two pilot seats obviously I love the design of it the colors of it everything uh I'll be seeing it in person again soon so I'm really excited about it but I have to be very very transparent it is a big business risk now I'm going to talk about comps in just a moment but let me talk about why I'm taking this sort of YOLO of business risk so I believe that I I have two choices I can sit here and make you know one YouTube video day and just okay cool you know you made it on YouTube or whatever and just lay back and collect your paycheck and say the same bull crap every day like go buy index funds guys can't beat index funds which I think is total bull crap anyway uh I think there's a massive benefit to an actively managed ETF where the active ETF manager can rebalance stocks that ran in a tax advantaged way for you and choose thematic plays you you generally you don't get that on in in in index place but anyway okay that's the easy option right you just sit back collect your paycheck Don't Rock the Boat don't have anyone hate you don't do anything to make people unsub dislike you know and and play it safe that's one way you could do it you collect your paycheck good me I want to level up and so my view is that if I want to convince the world that I can be the CEO of househack while at the same time operate my YouTube business and media business because remember when I ran for governor everyone's like how are you getting your rent for governor and be governor and run a media business at the same time it's not going to work yeah everybody always says that this I get the same complaints about house hack how are you gonna run hashtag and YouTube at the same time and you know what they're not wrong I can't do it unless I can hop on a plane and actually on the ground boots in the ground be the inspiration that drives our company and for the first hundreds maybe even thousand properties that we buy I can't Outsource this like like some people are like oh Kevin why don't you just do matterport scans and run your real estate business from from from the office anyone and and that might be possible in the future when we have thousands of properties in a like a really a perfect real estate reputation and we're a huge company right in the future that's possible that's no-brainer in the future especially once we get established in our areas with our context but anybody who does Real Estate knows that real estate is a people business you don't do real estate from afar you show up you meet people you shake people's hands you build relationships with the plumbers and the electricians and the contractors to make sure they don't screw you because if you're not there you're gonna get screwed and so you have to build teams to make sure you don't get screwed and see what I'm basically doing is I am signing up my own personal self and Lauren she's along for the ride and she's on board with this okay and that says a lot okay to get her on board with this I actually didn't have to do a lot of convincing she was really opposed to it but when I sat down and I broke down all of the numbers and all of the vision and all of the plans she's like I support this that takes a lot for Lauren to say that she is a really risk-averse okay uh so I believe that for me to make sure that house hack has the best possible start I'm going to sign myself and put myself on the line to prove to everybody who has the faith in house hack that I'm putting everything into this space it's gonna be great so I'm personally paying for this plane I'm personally buying this plane I'm signing up for the liability of this plane it's really really scary now what about cops uh because some people are like oh and obviously me being able to travel facilitates all of that right okay good uh and it also facilitates me continuing to make YouTube videos and building my team and building the ETF and all that good stuff so what do the comps look like for this because some people want to have this impression that oh you know Kevin's just saying he uh you know this plane appraised for more than he's paying for it to inflate it to the IRS no that's a criminal and B not what's happening okay the appraiser is done by A lender let's go through some comps share a little bit more insight with you and uh then I'll come right back hey so just to provide some insight into how that works I actually did shop for many different planes last year I was actually briefly in escrow on a plane had a 300 000 deposit on it I got all of that deposit back uh less net net about 25 000 so I did eat about a twenty five thousand dollar cost on the last plane but that's okay because I got a plane that's much more efficient it's smaller it's not as big as the last plane maybe I'll reveal the last plane at a different time but uh that was way too much play in the last one but anyway uh these were some of the other models that were available like a 7.99 million 2010 so you could see like 2010 was selling for eight mil that thing's like 12 years old it's got 5 000 hours on it that's almost what they call a charter dog where people kind of just rent them out while they're not using them to a charter and it just they get the miles put on them and these they're called hours planes are operated by hours uh here was actually one that I looked at in person was a 2012 had about 2500 hours really like the owners really cool people I actually thought the paint scheme was freaking amazing but I look when I walked inside the plane and I explored the outside of the plane at eight eight compared to the one I ended up with let's just say it it was it was 10 years old uh and it was previously from Germany and France and the Germans and French they like smoking okay I'm not a big fan of that and Lauren would never go on okay let's just say anyway uh so that's eight hate and and these are like relatively close to market prices because you look at some of these selling 2015s here 2 000 hours 885 hours nine and a half to nine point six mil here's one that had belly damage to it a 2018 10.25 mil 2018 between 1500 and 600 hours depending on but both of them in the 11 millions and now this is where the the E-class starts the E is in the the enhanced model a newer avionics uh faster plane and a more efficient more fuel efficient plane the 2019 that was available had about 900 hours about 12 million for that one the sold prices here there were some 2020s that sold around 12.99 so about 13 uh 2020 sold for about twelve five uh so you could see you know the market is there now you need to know that this is kind of like what happened with used cars or even new cars or at some point they were actually selling for over MSRP the same is actually true with the Phenom 300es if you want to get a new Phenom 300E right now you'll be on a waiting list for two and a half years and I don't know if I'm gonna have the same tax situation in two and a half years I'm certainly going to have a different tax situation because I'm not going to be an S corporation anymore my media business is moving to a C corporation and so our taxes are already going to downshift from 50 to closer to 30 percent potentially even less so it really makes sense for us to take advantage of the situation now even if we're paying a you know a fair price in potentially a little bit of a bubbly market and we think we're paying a fair price because you've got sold comps like a 2022 that sold for 13.25 with two and a half times as many hours as ours this is ours right here 200 hours the things like brand new it's like never used uh but it is used you know so it had one owner really good owner met the guy in person biggest harder ever I love this guy uh really really cool guy I want to interview the guy on the channel anyway he would be fascinating to have on here uh 12 8 uh 50 is what we're paying the cons the other solds easily brought it in at that uh so this this is not a matter of like when I say oh it appraised for 400 450 000 over what we're paying for it this isn't like we're trying to tell the IRS uh oh it's worth more this has nothing to do with the IRS this is not an assessment for uh for the tax assessor this is straight up for a lender to say hey do we feel comfortable lending on this plane because if it doesn't appraise we don't feel comfortable landing on it so this is a lender's security to lend to us this is not again for for taxes or anything like that it's not me trying to like fluff oh look I got a good deal on a plane look I think I did a good job I I do think I'm buying it a little bit of a bubbly time but that's just the corner I'm backed into because of the tax situation and uh and also the timing of me starting my startups so I'm willing to bite that cost and the good news is nobody else is I'm taking that risk actually so is Lauren Lauren's also taking the risk okay so there you have some insights into why I'm buying this who's signing up for the debt on this plane it's me uh it's a personal LLC that I have well the LLC is owed by owned by my media business right but we're personally guaranteeing it but the media business is buying the plane right this is a clearly a business use plane that I'm I'm doing this so that I can continue both of my businesses and I'm signing up for a lot of risk gets really really scary so I have no idea how these things are going to play out uh but I have a lot of hope I also think that um househack has a very very high likelihood of success no guarantees I you know I I can't make guarantees you have to read all the risks and and disclosures at househack.com right but let's just put it this way look at the bet that I am making on house hack to make sure I could do the best I possibly can to provide a diversified portfolio of real estate for that company it's going to be really really exciting so I'm I'm personally jumping up and down with uh enthusiasm and excitement uh you know I um I'm excited to share this with you and I just have to thank you because without you this uh this risk would not be possible uh and uh and as a result I will make sure I continue to provide value to you because I I always want people to think that if they're watching my content they're doing it so that they can benefit right I want you to get more value than you give me like when you watch an ad on my YouTube channel you pay me value right I hope you get more value out if you buy one of my courses and you're you know like okay I gave Kevin 500 let's see what he can do you know I I want you to look back on that 500 in a year from now and go damn dude I won 100x my money on that 500 right that like that's what I want for you uh and so I'll I won't stop until that becomes reality thank you so much for watching this is scary but I I did it outside
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