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Vanessa

👤 Person
144 total appearances

Appearances Over Time

Podcast Appearances

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

We long-term rentaled those two homes, and then we turned them into Airbnbs about five years ago. My question is this. I'm wanting to sell my Airbnbs and to pay off my house I live in now and then build an Airbnb on the back of my property. The problem is everybody tells me this is going to be the biggest mistake of our life because I can't buy into real estate like I did 20 years ago.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

We long-term rentaled those two homes, and then we turned them into Airbnbs about five years ago. My question is this. I'm wanting to sell my Airbnbs and to pay off my house I live in now and then build an Airbnb on the back of my property. The problem is everybody tells me this is going to be the biggest mistake of our life because I can't buy into real estate like I did 20 years ago.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

I am going to have to pay capital gains because I already own the land that I'm going to build an Airbnb off of, and obviously you have to pay capital gains if I pay my house off. So I'm just wondering, is selling my rentals to pay off my house and build another residual income a bad idea or not?

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

I am going to have to pay capital gains because I already own the land that I'm going to build an Airbnb off of, and obviously you have to pay capital gains if I pay my house off. So I'm just wondering, is selling my rentals to pay off my house and build another residual income a bad idea or not?

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

I am going to have to pay capital gains because I already own the land that I'm going to build an Airbnb off of, and obviously you have to pay capital gains if I pay my house off. So I'm just wondering, is selling my rentals to pay off my house and build another residual income a bad idea or not?

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

I do, but something about, because people are saying the interest rate that I own, I owe $238,000 on my home, and I'm at an interest rate of $2.99. I owe $166,000 on my rentals at an interest rate of about $4.25. So they're saying, you know, lumber's got to go up. How do you know you can build an Airbnb on the back?

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

I do, but something about, because people are saying the interest rate that I own, I owe $238,000 on my home, and I'm at an interest rate of $2.99. I owe $166,000 on my rentals at an interest rate of about $4.25. So they're saying, you know, lumber's got to go up. How do you know you can build an Airbnb on the back?

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

I do, but something about, because people are saying the interest rate that I own, I owe $238,000 on my home, and I'm at an interest rate of $2.99. I owe $166,000 on my rentals at an interest rate of about $4.25. So they're saying, you know, lumber's got to go up. How do you know you can build an Airbnb on the back?

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Well, I don't feel like I know a lot. All right.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Well, I don't feel like I know a lot. All right.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Well, I don't feel like I know a lot. All right.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Yeah.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Yeah.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Yeah.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Well, so that's another problem because we... To find a comp in our area with two houses on one piece of land is very difficult. So when we do the numbers in our head, like to pay the mortgage off, to pay capital gains, I think I need at least Minimum, I need to walk away, me and my husband personally, with $500,000.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Well, so that's another problem because we... To find a comp in our area with two houses on one piece of land is very difficult. So when we do the numbers in our head, like to pay the mortgage off, to pay capital gains, I think I need at least Minimum, I need to walk away, me and my husband personally, with $500,000.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Well, so that's another problem because we... To find a comp in our area with two houses on one piece of land is very difficult. So when we do the numbers in our head, like to pay the mortgage off, to pay capital gains, I think I need at least Minimum, I need to walk away, me and my husband personally, with $500,000.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Yes.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Yes.

The Ramsey Show
Building Wealth Happens One Baby Step at a Time

Yes.