The Cash Flow Guy @TheCashFlow_Guy Twitter profile

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

I’ll die on this hill. Dogs cost a lot of money but they happiness they bring is priceless.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

5% appreciation on $50k stock portfolio = $2,500 5% appreciation on $250k property (bought with $50k downpayment) = $12,500 500% when comparing Cash on Cash returns. This is why I love real estate.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

5% appreciation on $50k stock portfolio = $2,500 5% appreciation on $250k property (bought with $50k downpayment) = $12,500 500% when comparing Cash on Cash returns. This is why I love leverage.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

I never understood why people were so secretive about their finances. Why don't we all just share helpful information and rise together?

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Dividends are much too slow for me. They work for some people. No effort, low risk. With an average yield of 1.66%, you need $6.024 million invested for $100k of income. No thank you, I want to retire early.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

A millionaire in Alabama vs. a millionaire in California are 2 VERY different things.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

I find a lot of comfort knowing that my properties are HARD assets. Crypto can be stolen. Money can be printed. Stocks can go to $0. But a building? You can feel it. You own it. That thing isn't going anywhere as long as you can make the payments.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Buying a property when rates are high is a beautiful thing. There's less competition and if it already cash flows now, it will be a cash monsoon if you can refi when rates come down. If they don't come down soon, you're fine anyways. Waiting is a sucker's game.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

5% appreciation on $50k stock portfolio = $2,500 5% appreciation on $250k property (bought with $50k downpayment) = $12,500 500% when comparing returns. This is why I love leverage.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Some people on Twitter claim to be financially free because they quit the 9-5 but are actually just living a life of scarcity. Never eating out, living in cheap areas, and generally limiting their lifestyle.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

I'm proposing to my girlfriend of 5+ years on 8/19. It feels awesome to tell a whole social media and she still won't know lol.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

I stopped contributing to my 401k. These are safe, especially if you have a match. But they're designed to provide wealth after you're 59.5. Waiting that long sounds terrible. I can use the extra cash for real estate and start growing my wealth today. It was a no-brainer.

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The Cash Flow Guy

@TheCashFlow_Guy

2 years

@AjOsborne1 As an anon account, I obviously disagree. With content about leaving the 9-5 and reaching financial freedom, I don't want to jeopardize my job by revealing my identity. My opinion still has value, and so do the opinions of other anon creators. Are you just trying to stir the pot?

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

Your house and car are assets. Include them in your net worth. Why are we still talking about this?

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

@GuyTalksFinance With the paid off home though, you're still paying property taxes, insurance, and maintenance along the way if it's your primary. With the expenses, it's less than 11%.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

In 30 years, you'll either be rich or you'll be poor. The affordability crisis, in housing and otherwise, is eliminating the middle class. What you do in the next 5 years will have a big impact. So, are you buying a rental property or a new Jeep?

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The Cash Flow Guy

@TheCashFlow_Guy

10 months

My mind is blown almost daily by people no-showing, being super late, not performing on promises, not trying hard ... If you're punctual, reliable, and hard-working, you're ahead of most of society.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Net Worth can mean different things. Bob has $3M in equity in his house worth $4M. No other assets for simplicity. Net worth is $3M. Megan has a net worth of $3M due to her brokerage account, 5 cash-flowing rentals, cash, and equity in a car wash business. Be Megan.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

Millionaires have an average GPA of 2.9. Why? They understand that addressing the big-ticket items and not spending energy on minutia is the best way to make the most progress. Plus they question the system and don't just blindly follow what's expected of them.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Avoid real estate gurus who made all their money after 2008 and don’t acknowledge the downside. Anyone in RE over the last 10 years looks like a genius. We’ll see how they fare in the next 10.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

I have 2 rentals. For many, this means a $250k portfolio value. For me, it's $1.6M. This is why the number of doors means nothing.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

If I could only share one piece of real estate advice, it would be this: Own as many properties as possible early on. Sure, purchase price, financing, and management are all important. But if you have a $3M portfolio in your 20's and don't sell, you'll swim in money later.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Having a net worth of $1M and being able to write a check for $1M. Being a millionaire in Ohio vs. being a millionaire in Manhattan. Earning $1M annually from a 9-5 vs. earning $1M annually from cash-flowing assets. These are all VERY DIFFERENT THINGS.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

My lender saved me $5,000 in 5 minutes. How? She ran a simulation on how to increase my credit score by 1 point to get me in a new bracket. The answer was to pay off 1 specific credit card. She re-pulled my score and is applying an additional credit of $5k at closing.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

No one knows where the market is going. Just pick a good neighborhood and buy. Frequently. Rent the properties. Wait 20 years and you'll be extremely wealthy. That's all you have to do.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

@huntercoldcalls This just sounds entirely fake

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

Most people: Credit card debt? Sure Gambling? Of course Impulse Buying? Sign me up Savings? Nope Investing? Too risky Budgeting? I want to live Make it make sense.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

The real estate gods did not penalize me for posting about my deal on Twitter. We closed on Friday! Officially have 2 rentals and a primary residence now. Couldn't be more excited to keep building 🏡

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

401k's only pay you at the end of your career. Rentals start paying you right away. The new and improved 401k.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

When I post financial strategies, they're what I do. They're not right for everyone. I'm young, don't have kids, and have a higher risk tolerance than most. You can disagree, but a difference of opinion doesn't make my tweet stupid or bad advice. Different opinions can coexist.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

@GetMoneySmarter I would keep it with such positive cash flow. You can always get your money out with a refi anyways once rates come down a bit. Obviously if you need the money, that’s a different story.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

A lot of FinTwit hates college degrees. But a 6-figure salary with high job security is the best foundation for building wealth. Side hustle doesn't work out? Take a loss on real estate? You're covered. The safety is worth it.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

The old way >> 529 Savings Plan to save for your children's college. The new way >> Buy a rental property when each child is born. Improvements: - Tenants make the contributions for you - Pocket cash flow for 18 years - Can use equity to buy other properties along the way

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

A new investment class is on the rise - funding litigation. You help finance a plaintiff against a large defendant with deep pockets and share in the settlement or awarded damages. Firms in the space are highly selective about cases. Some average >50% returns. Pretty cool.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

Long-term tenants are more valuable than any short-term rent increases. Focus on the relationship and providing a home they won't want to leave. Turnovers, vacancies, and finding new tenants are annoying and costly. Why bother?

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The Cash Flow Guy

@TheCashFlow_Guy

9 months

Want more parking but trying to avoid the "concrete jungle" look? Check out green driveways.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

$50K in the bank. Do you go 3.5% down or 20% down? 3.5% >> $1.43 million home. 20% >> $250k home. 5% appreciation the first year? $71,429 or $12,500. Your choice.

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The Cash Flow Guy

@TheCashFlow_Guy

5 months

What do 401K matches and credit card rewards have in common? They're both forms of free money. Not using credit cards is losing money.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Interest on HELOCs is tax deductible if the funds were used to buy, build, or improve a home. This means that, depending on your tax bracket, the true interest cost is 20%-30% less than the rate. 7% interest? You pay 5%. Just another reason to love HELOCs.

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The Cash Flow Guy

@TheCashFlow_Guy

4 months

$89k of appreciation! According to Zillow, our home has appreciated $89k since we purchased it in June 2023 - a time when everyone told us not to buy. If you never risks and always listen to the masses, you won't see the upside.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Is it wrong that I want some negative economic news so rates go down?

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Buying depreciating assets is selling years of your life. Buying appreciating and cash-flowing assets is buying years of your life.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

@Budgetdog_ So there are none from 40-50 or older than 79?

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

A $500k mortgage at 3% is $2,108k/mo. A $500k mortgage at 7% is $3.327/mo. 58% increase in payments. I'll let that sink in.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

Buying a house does not mean you're putting down roots. Live there for a year, get the "primary residence" terms on your financing, and then go wherever you want. If you don't want to sell yet, just rent and do it again somewhere else. Approach with flexibility.

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The Cash Flow Guy

@TheCashFlow_Guy

2 years

Shoutout to @SeanODowd15 for making me the easiest money ever! $200 for an hour. PE and investment firms use 3rd parties like GLG, Coleman, and Third Bridge to interview experts in fields they consider deploying capital into. Anyone can sign up as an expert.

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The Cash Flow Guy

@TheCashFlow_Guy

5 months

If you can find a way to have 3 paid-off rentals, you can retire. Small extra payments, 15-year mortgages, etc. Not the highest return on equity. But for those of you with a low-risk tolerance, having a small handful of paid-off rentals is a viable path to financial freedom.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

@RealFrugalMogul Although I'm a huge advocate of buying, this example doesn't reflect the additional expenses that come along with home ownership. Maintenance, landscaping, appliances, etc. adds up to cost more than rent.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

You know what really motivates me to get out of the 9-5? The fact that it's dark when I finish work every day now.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

HELOC's might be my favorite financial instruments. Complete discretion over usage of funds. No payments due until you spend. Rates are lower because they're collateralized with your home. Seems to good to be true.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

Instead of making a 20% downpayment, do 5% and use the 15% to add value. If you take on the right projects, your 20% will provide 30% equity. Now you're in HELOC territory.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

@GuyTalksFinance Not my observation - I’ve met countless folks in corporate America who own real estate. And I’m one of them.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

If you're paying credit card interest just to get points, your wealth is a lost cause.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

To be transparent, I'm not a finance guru. And I'm not claiming to be. Just a guy diving headfirst into real estate investing and sharing learnings here. Once I have a portfolio of properties, I'll feel closer to being an expert.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

@JumpInRE Houston definitely surprises me, being ahead of Seattle and Boston. Also, I would expect San Diego to be here. Interesting list!

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

@_Eddro 401ks with no match

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Many people think that paying interest kills returns on real estate. Can't believe I have to say this - the tenant covers those payments.

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The Cash Flow Guy

@TheCashFlow_Guy

2 years

Is being an investaholic a thing? If not, I’m coining the term … because I have a serious problem

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

@The_MMW Lean over and tell their partner they love them. The greatest success is not worth it without love!

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Went to a Friendsgiving where there were a bunch of lawyers. Has anyone noticed how hierarchical that profession is? Need to be top of your class, at a top school, to work for a top firm, where you need to have the most billables, so you can be a partner early ... never ends.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

@StephenCFU_ Probably $700k-$1M in real estate. I'm sure you could get there with less if you were buying a business.

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The Cash Flow Guy

@TheCashFlow_Guy

4 months

I wonder what percentage of millionaires own no assets. No real estate, no stock, no Bitcoin. Just high salaries, a savings account, and living in a rental. Pretty confident it's < 1%.

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The Cash Flow Guy

@TheCashFlow_Guy

2 years

@ChrisJBakke Only a matter of time until he sends a cutthroat email about how everyone needs to work in the office or they will be fired

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

Cheap properties just have lower ceilings overall. 20% on a property worth $200k is $40k. That's nice but won't change your life. But 20% on $2M is $400k! And that can happen in just a few years. If you can stretch and buy expensive properties, you'll be rewarded handsomely

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

I'm 27. If my $1.6M RE portfolio grows 3% annually, it will be worth $4.8M when I'm 65. Not to mention it will all be paid off by then. This is why you need to start early.

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

When I post financial strategies, they're what I do. They're not right for everyone. I'm young, don't have kids, and have a higher risk tolerance than most. You can disagree, but a difference of opinion doesn't make my tweet stupid or bad advice. Different opinions can coexist.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

Credit cards are great. Using them is a no-brainer because you get free benefits. Unless you can't pay off the balance. Then they're a trap.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

The economy is looking good lately! GDP is up. Inflation is cooling. Jobs and wage growth are strong. People are spending. What's all this about a massive crash?

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

I thought I gave my contractor $1,200 cash. He told me it was $1,300. He’s hired forever - honesty goes a long way. Not to mention his work is great - but that wasn’t the point.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Sent out a lease agreement for $3,600 per month. With HOA fees of $69 and PITI of $3,284, we'll cash flow $247 before expenses. About break-even but the best part - the property is on a 15-year mortgage. Could've cash-flowed $1,000+ but are going for an equity home run.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

We close on a new HELOC on Friday. $139K in liquid funds we can use for anything. Prime - 1.01%, which is a pretty insane rate if you've compared HELOC's. Excited to use this to rehab the home we buy in SD this summer.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

The #1 benefit of owning real estate is using your equity to buy more properties. Cash-out refi's, HELOC's, and partial equity sales allow you to grow your portfolio at lightspeed. This is how people with average incomes can own 20+ properties. Just need to buy.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

High-cap-rate properties in low-income areas scare me. Sure, if everything goes right, you make a killing. But I don't want to deal with evictions and nearby crime. Can be a money pit. It's worth it to me to save up and own properties in Class A neighborhoods.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Buy a primary before you buy a rental. Better rates, lower downpayments, and you can enjoy loan paydown with rent payments you would have made anyway. Then, when you buy a new primary, those low rates turn into cashflow as you rent. Plus you can get a HELOC.

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The Cash Flow Guy

@TheCashFlow_Guy

2 years

@SteveOnSpeed No. The average GPA for millionaires is 2.9. The best students often follow the rules blindly, abide by the system, and don't ask questions. Then they do the same in a mediocre-salary job. Those who know when school wastes their time challenge the status quo and make millions.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

A job with flexibility will enable you to build wealth. Work from home at the hours you want. Focus on real estate and other side hustles for large portions of each day. Maintain physical health too. This is how you get everything you want.

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The Cash Flow Guy

@TheCashFlow_Guy

10 months

Frustrated by my job, I often start researching how to build wealth more quickly so I can retire earlier. Does anyone else use future-building to cope? I generally come to the conclusion my plan is already solid and I just need to be patient.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

You can brag about net worth on Twitter ... but cash flow will set you free.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Eating cake can eliminate the benefit of 3 hours of exercise. In 3 minutes. Buying a nice new car can eliminate hundreds of hours of work. In 1 second. Do you want your effort to go to waste?

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

If you’re hyper focused on a high-earning W2 and investing much of that paycheck, you don’t need side hustles, Sometimes being better at your job is more lucrative than building a second active income stream

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

I refuse to hire a property manager until my PM responsibilities hold me back from acquisitions and rehabs. For now, self-managing has been easy and not time-consuming at all. I would need a lot of volume to sacrifice 10% of my gross rent income.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

If I could only share one piece of real estate advice, it would be this: Own as many properties as possible early on. Sure, purchase price, financing, and management are all important. But if you have a $3M portfolio in your 20's and don't sell, you'll swim in money later.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

I don't contribute to my 401k unless I get a match. These are safe, but they're designed to provide wealth after you're 59.5. Waiting that long sounds terrible. I can use the extra cash for real estate and start growing my wealth today. It's a no-brainer.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Landscaping always comes last. You don't want crews of 10 guys and their tractors trampling your new grass. Get construction done so the landscaping crew is the last to leave. Then you only need to do it once.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

Why am I so driven to pay NO taxes to Uncle Sam? Because I don't trust that he'll spend it in impactful ways. Build wealth. Pay no taxes. Donate to causes that actually help people.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

I'm on a 3-month alcohol hiatus because of a medication I'm taking. Gotta say, I'm feeling energized and have more mental clarity. Might keep this train rolling, TBD.

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The Cash Flow Guy

@TheCashFlow_Guy

8 months

Many people say taking on a rental with no experience is risky. By definition, you won't have experience until you try. So basically, never try?

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

I can't wait for the day when I'm the all-cash offer guy. Getting discounted properties because I can write 6-figure checks will be awesome.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

1,000 followers! Thanks to everyone in this community who has participated in my Twitter journey. A lot of new faces here so it seems like a good time to reintroduce myself 👇 - 26 y/o - Investing in cash-flowing rentals with HELOC's - Built a house in Colorado Springs 👇

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The Cash Flow Guy

@TheCashFlow_Guy

9 months

Why do people want to be off the grid? I need Chipotle, a gas station, and friends within 15 minutes.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Buy a house, live in it, get a HELOC, repeat 4 times. With 4 HELOCs, you can buy discounted properties all cash. Massive savings. Then refi to get your money back.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

During my time as a landlord, I haven't gotten 1 call to fix something. How? - The rental was a new build completed in March 2022 - I have a 24-7 maintenance service the tenant can call Are rentals still too much effort?

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

People will say they want to reach financial freedom so they can spend time with family and then ignore their family for 10 years while they achieve that.

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The Cash Flow Guy

@TheCashFlow_Guy

11 months

Did you know you can build a house with only 3.5% earnest money down? The rest of your downpayment is due when the project is complete, which is often more than a year later. The best part? You get to enjoy the appreciation along the way.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

Going to start contributing to my 401k again. Why? My employer finally rolled out a match program. Always contribute to get the match - it's hard to beat the returns of free money. I won't contribute a penny more though. It's better in real estate.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Volatility becomes irrelevant when you hold for long enough.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

I haven't posted on Twitter in a week. During this time I: - Drove 17 hours from Colorado Springs to San Diego - Moved into our new house - Made several updates to the house - Saw some friends in the area - Got surgery for one of my dogs Now I'm back to share lessons learned.

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The Cash Flow Guy

@TheCashFlow_Guy

1 year

Our big purchase will give us $3,850 cash flow and $474k liquidity by 1/1/2028. I was going to share after closing but am too excited to wait. Details below 👇👇 Price - $935k 2 bed 1 bath (729 sq ft), converted garage is a 1 bed 1 bath unit (275 sq ft) Bay Park, San Diego

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The Cash Flow Guy

@TheCashFlow_Guy

6 months

Investors who use their cash flow to buy material possessions in their first 5 years are shooting themselves in the foot. If you roll all your cash flow back into the investment snowball for 5-10 years, compounding will take you to the moon.

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The Cash Flow Guy

@TheCashFlow_Guy

7 months

My fiancée got a $17k raise right before we moved from CO to CA. The CA taxes took this raise from her - the paychecks were still the same. Raising your income is great. Doing it in a tax-effective way is greater.

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