Back on land after 22 DAYS AT SEA - reflecting on my past & current financial choices.

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  • Опубліковано 15 лис 2024

КОМЕНТАРІ • 68

  • @lozzy8821
    @lozzy8821 22 дні тому +32

    I would evict the tenant. Regularly late on rent, and has an unofficial house mate.
    He doesn't get to dictate this situation.

  • @MyPawPrintLife
    @MyPawPrintLife 21 день тому +24

    From one landlady to another-evict now. Don’t negotiate, don’t pay him, just evict. He is a definite con artist. Obviously do what’s right for you but personally I wouldn’t pay him a penny to move. Bad renters are a nightmare and my thoughts and good juju are w/you all the way🥰❤️

    • @shess1640
      @shess1640 20 днів тому

      I own a bunch of commercial real estate in California. I second this comment. Do not sit back and think of this. Serve notice immediately and to the letter of the law about it. Make sure the prop mgr follows the rules to the T. You are not a nonprofit. This is income for you and your tenant has been flakey from day 1. Do not dawdle.

    • @shess1640
      @shess1640 20 днів тому

      The job would be great if you didn't need money to live.....or didn't need to save for when you are older.

  • @Tammy-e8c
    @Tammy-e8c 21 день тому +5

    One thing I learned being a landlord is give them a 30 day notice as soon as they are late. If they are not paid up in 30 days I file on them. I learned the hard way and lost thousands.

  • @workinprogresssince1974
    @workinprogresssince1974 21 день тому +5

    I'd chuck that guy out of your house. He's subletting for profit and against the contract, and still can't pay his rent on time!?!?!? He's untrustworthy. If he's refused the cash for keys he's not going to go without a fight. You don't need that kind of worry in your life. You've given him a million chances. It's tIme to get tough.

  • @kelianna_b
    @kelianna_b 21 день тому +3

    We bought land and then put a manufactured home on it, some people disagree about them; however, we’re mid 30s and completely debt free. It gives you tons of peace and freedom. ❤

  • @QuesttoFIRE
    @QuesttoFIRE 22 дні тому +5

    Totally agree with you about the real estate situation. I thought about pursuing it myself because I know how financially powerful it can be. But more important than that, is having peace of mind. And at the end of the day, there’s too much that would be out of my control as a landlord. It’s just not worth the stress!

  • @cali_love5977
    @cali_love5977 21 день тому +8

    I will say that it sounds like the property management company did a crappy job of vetting him. There is no way that they ran his credit and it showed that he pays bills on time or checked any of his previous rentals. It would be very odd, if he always paid on time and then magically did a 180. Hope you get rid of him FAST!

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому

      Unfortunately he doesn't have any past evictions so it's apparently never gone that far for him. And his past landlord said he paid on time and had no issues. That's really as far as we can check..😔 Sometimes a formal letter is enough to scare them because they don't want a formal eviction on their record. It's a shitty thing and who knows if it will even work, but that's about all we can do. Like you said, hopefully getting rid of him goes as fast as possible.🤞

  • @lisakleman5470
    @lisakleman5470 22 дні тому +6

    Rachel! Good to see you back again! Okay, it's odd I know, but I missed you. Wondered how it was going for you. UA-cam is such a strange and wonderful place. Anyways, very much enjoying your video today!

  • @QuesttoFIRE
    @QuesttoFIRE 22 дні тому +4

    Omg the dolphins! 😍🐬

  • @amycolucci6769
    @amycolucci6769 21 день тому +2

    So im a dietitian and its the same with weight loss as is it with the situation you had on the boat . People have addictions like spending and overeating my patients complain they cant lose weight but eat crap and wont change ya know soooo happy that you’re selling the rental and I sold my condo. It was the best decision I made. I could’ve made a lot of money renting it out, but it would’ve been a headache.

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому

      I'm so glad selling worked out better for you! A life without that kind of headache is exactly what I am looking for.☺️

  • @MattsGamblingSlots
    @MattsGamblingSlots 21 день тому +2

    Welcome back! Good to see more sea days! 🌊 🦭 ⛵️

  • @catgodfrey6451
    @catgodfrey6451 21 день тому +1

    Glad to see you. Sending positive vibes he sounds like he has played this game before. Sounds like he’s not going to be easy to get rid of even to sell. I ❤’d seeing the dolphins 🐬

  • @lenisteingen3036
    @lenisteingen3036 20 днів тому

    I am really grateful for you sharing your thoughts. It helps me to think a different life for me is possible.

  • @rachellawyer3421
    @rachellawyer3421 22 дні тому +2

    I think your plan sounds lovely! You will be in your element having your own piece of land to do whatever with 😊

  • @Welllyboots
    @Welllyboots 22 дні тому +4

    Does anyone think it's shady, that the agent that's attempting to sell the house is the same person that put the tenant in the house?

  • @robertmorris2576
    @robertmorris2576 22 дні тому +3

    Glad to see you back, Rachel! Everything will work out! Thanks for the peaceful video. Many blessings!

  • @workinprogresssince1974
    @workinprogresssince1974 21 день тому +1

    I also enjoy the quiet life. Well done on surviving 22 days. My brain would have been fried!

  • @KatieoftheHouse
    @KatieoftheHouse 21 день тому +3

    I have always thought rental properties would be a great way to make money, but it your situation is one of the main reasons that we haven’t pursued it 😫 sorry that you are dealing with that!

  • @josephdaly2015
    @josephdaly2015 21 день тому +1

    Welcome back. The dolphins looked amazing. I can’t believe your tenant. Definitely get rid of him. He has already got the money by not paying the rent and sub-letting your property. Can you not immediately evict because he broke the contract? Keeping you in my thoughts and prayers that you get rid of him asap. Getting a piece of land sounds like a great plan. Have a great week catching up on sleep, spending time with your cats and walking. 🙇‍♀️👏💪👍🤞🙏💐🐈‍⬛🐈

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому +1

      Yes! Depending on the season and cost of the camper.

  • @JD-rn2yv
    @JD-rn2yv 22 дні тому +1

    So glad you got all of your sea days, you seem much happier and sounds like life is going well for you now 🌞

  • @jessicatounkara8753
    @jessicatounkara8753 22 дні тому +1

    I'm glad you made a bunch of money on the boat.

  • @Bruceman17
    @Bruceman17 22 дні тому +1

    Rachel you should buy a duplex and house hack. Be very thorough with you tenant screening and make a good lease agreement. It worked out pretty well for me. Buy local in a market you know well. Like where your family lives!

  • @TheahLil
    @TheahLil 22 дні тому +7

    He seems like a schemer, so I'd definitely start the eviction process NOW. I want to point out that that the exchange only applies to another rental property, so you can't buy your own land using that money and avoid paying tax and depreciation. Does that makes sense? Love the idea of you getting land and building a little house on it! I am sure you will do tons of research to figure out how all the set up is there for what they require for setting up access to land and utilities and what you can build.

    • @susanhoover1820
      @susanhoover1820 21 день тому +2

      Glad you’re back, Rachel.
      I had a similar thought… you need to be careful when doing a 1031 exchange. It is possible to exchange a rental house for a property that is only land, it just needs to be “an investment property”. That means it can’t be for “personal use”. But if you had depreciation on the place you sell, then buy vacant land that doesn’t have a depreciable asset associated with it, you can still do an exchange, but you’ll have to pay income tax on the depreciation recapture amount at ordinary income tax rates, not capital gains tax rates. Since you’ve only owned the property a few years, there might not be too much depreciation recapture. Just be careful about doing an exchange and get some guidance from a CPA on the tax implications. A CPA can also take into account that your income has been low this year, and possibly will be next year too, if you don’t complete the exchange until 2025. Oh, and an exchange costs at least $1000 to do, possibly more. That’s money that could go to paying income tax on the money you’d make from selling.
      Anyway, all this is to say that sometimes an exchange isn’t worth the trouble, unless you’ll be postponing payment of a really BIG tax bill. For example, if you net $100k on the sale, and it’s ALL taxed as capital gains you’d pay up to $20k federal tax plus some in state income tax too. Definitely talk to a CPA to see if you think it makes sense to do an exchange or not, based on the size of tax bill you’ll be postponing.
      Good luck with the deadbeat tenant, too. My advice … tell property manager not to allow partial rent payment to “catch up”. That will delay eviction process, since it’s clear he won’t accept your cash for keys offer.

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому +2

      I did not know, that thank you both! Then scratch that. It won't matter much anyways, I can't imagine it will be a huge profit. Either way, it will still be money to help with the purchase, even though taxes will take a chunk.🙂

    • @TheahLil
      @TheahLil 17 днів тому

      @@its.rachel.hickey taxes will take some, and paying back depreciation will be factored in. As I do house hacking of a druplex, if/when I sell it will be even more complex, especially if I ever moved sides or anything like that! (the units are asymmetrical)

    • @TheahLil
      @TheahLil 17 днів тому

      @@its.rachel.hickey Be sure you get to use all the money you've put into the house (HVAC stuff especially) because it will increase your cost basis on the place. You only will pay tax on the part that is between your cost basis and the price you get for it. I know you spent a lot on the place to improve it since you've had it. I want to say I'm sorry you are having this scammer at the end which makes you really want to unload it .

  • @jasminkln
    @jasminkln 22 дні тому +2

    Yey, you're back 🙌

  • @derrickquintal
    @derrickquintal 22 дні тому +2

    Welcome back Rachel!

  • @amycolucci6769
    @amycolucci6769 22 дні тому +2

    Welcome back

  • @artbrutnewyork
    @artbrutnewyork 21 день тому +4

    Glad you had a successful month at sea. Sorry about your tenant-scammer. Great idea to sell the house and buy a piece of land. Will open up so many affordable housing possibilities: campsite, trailer, tiny house, prefab or modular home, etc. Take your time to research.

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому

      Thank you so much for the encouragement! Those are all such great options. ☺️

  • @pavelm4484
    @pavelm4484 21 день тому +1

    You might not even need to 1031 exchange if your income is low enough. Curious if you’d be at the 0% capital gains rate

  • @Michelle-bk5uq
    @Michelle-bk5uq 22 дні тому +1

    Welcome back 🙂

  • @FIRE_DrNinjaTurtle
    @FIRE_DrNinjaTurtle 20 днів тому

    I have had my properties for three to four years and they are starting to be profitable. I understand you’re selling the property. I have a buyer in the city with your property. Network and get the quick sale.

  • @heidiblair2129
    @heidiblair2129 21 день тому +2

    Have you thought about leveraging your degree in a way that could earn you money and still offer you freedom? I could totally see you designing and managing an outdoor education, private outfitter, ecotourism business or similar endeavor. You could work on design and content in the winter months or downtime, and set a schedule for season that works for you. I’m sure you could work with existing captains to offer boutique 1:1 education services. You could even target young adults wanting to pursue a degree similar to yours for a “hands on” mock scientific experience. It certainly would have been something I would have loved as a teen. Just a random thought…

    • @its.rachel.hickey
      @its.rachel.hickey  16 днів тому

      I REALLY love this comment!! Thank you for the fun ideas! I'm going to put some thought into these options because I haven't thought of them from different perspectives before! Well, maybe in a way.. I have always wanted enough land to be able to open some community garden space (since I've personally seen a lack of availability), as well as possibly some kind of teaching farm. I would love to have space (and resources, of course!) to take in unwanted farm animals and give them a stress-free "retirement" and safe space to just exist. I have dreams of operating a large aquaponic facility as well, and I think that would be so fun to allow people to come and learn how to do it! And lately, I've been thinking it would be nice to have a couple of rustic campsites for people to stay (I see TONS of them in hipcamp), and wander around the farm, or learn about aquaponics, or whatever. Sooo many possible avenues! Thank you for the fresh perspective and things to contemplate.🙂

  • @EmsFitVenture
    @EmsFitVenture 21 день тому +4

    It sounds like this dude lives on expecting people not to file for formal eviction. You have evidence of a roommate and extra funds he is receiving and he doesn’t want the cash to leave because he would make more staying. The system is not right for people like that versus a struggling person living there.

  • @gurrrrlish
    @gurrrrlish 21 день тому +2

    Tenant is likely a scammer.... eviction can mean free living for a period...

  • @parler8698
    @parler8698 20 днів тому

    Sorry about your renter. Get out! He must go now. Rental income is great with a reliable renter.

  • @Locutus0fBorg
    @Locutus0fBorg 21 день тому +1

    Evict the tenant. He sounds like a gambler based on his income and shady ethics with the roommate.

  • @kelly4618
    @kelly4618 22 дні тому +1

    Oh gosh! That tenant sucks. What a leach!

  • @jessicatounkara8753
    @jessicatounkara8753 22 дні тому +1

    It is time to evict him.

  • @bont1059
    @bont1059 21 день тому +1

    !!

  • @CH-bi8tl
    @CH-bi8tl 15 днів тому

    Evict him asap. Don't pay him a penny. He broke the contract. Go after him for all unpaid rent through the proper channels.

  • @jessicatounkara8753
    @jessicatounkara8753 22 дні тому +1

    I think you should get a new Tenant and raise the rent.

  • @danielleflemm3439
    @danielleflemm3439 21 день тому +3

    I can totally see you house hacking. Where you buy a duplex, fix it up, and rent one side and live in the other. The renter would pay for most of the mortgage.

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому

      I had been looking for a house hack for the last several years, they're a great option! Unfortunately, many people know this and I have been outpriced for anything reasonable.🙁 I still think they're a wonderful option for anyone that has the opportunity!

  • @cheleletourneau228
    @cheleletourneau228 22 дні тому +5

    I am sorry, I had to stop watching at 15 minutes. It was all complaining. Why do you pick a job that you hate virtually all about it. Sleeping arrangements, noise, being around people. You even found a way to complain about the food that you started out with was great. Try to be positive without adding negative to a positive thought. Life would be so much better for you!

    • @Teakai8
      @Teakai8 21 день тому +3

      So...criticising is good. Complaining is bad?

    • @cheleletourneau228
      @cheleletourneau228 21 день тому

      @@Teakai8 It is called feedback. She chooses to do a UA-cam channel, expect feedback. I give positive feedback as well, but don't see you commenting when I do that. Glad she gave you a highlighted reply. Guess she can't speak for herself.

    • @derrickquintal
      @derrickquintal 20 днів тому

      This particular assignment isn't her regular day to day job though. This was a special trip, that came up, that she decided to take a chance on. She stated her many qualms about it in previous videos, but decided financially it would be worthwhile. I didn't see it as complaining, more just her outlining her experience in an environment totally different than one she chooses to live personally. In the end, she stuck it out and got it done, which is very respectable.

    • @its.rachel.hickey
      @its.rachel.hickey  17 днів тому

      @cheleletourneau228 I can speak for myself. I don't mind your feedback, public opinion is expected, like you said. As I mentioned in the video, this assignment is NOT my usual job, I took this assignment as a financially necessary decision. I have plenty of positivity without negativity.🙂
      Also - I have no idea how to do "highlighted comments", I think that is something YT must do automatically.

  • @cali_love5977
    @cali_love5977 21 день тому +3

    Hi Rachel, would you consider living in a camper on your land until you’re ready to build?

  • @gmcguy
    @gmcguy 22 дні тому +1

    Welcome back