Jack Allweil: From Fired To 13 Units In 3 Years
LISTEN TO FULL EPISODE ON:
Getting fired was the adjustment that Jack Allweil needed to alter the trajectory of his life. He put his time and energy into pursuing the passion projects he wanted, and immense learning and growth (and wealth) happened! Fast forward and in 3 years, Jack owns 13 properties - a house hack in North Carolina, 11 units in Michigan, and a Short Term Rental in Myrtle Beach. Plus, as a sports betting enthusiast, he authored the book Make Better Bets. Find out how Jack made all this happen and is pursuing the life that he's wanting to build for him and his wife.
In this episode, hosted by Mike Swenson, we discussed:
- Jack was formerly an actuary, and he does some sports betting.
- He grew up in a very small town in Michigan but he moved down to Charlotte, North Carolina in 2015.
- Jack became interested in real estate and he started learning more about it and its strategies. His first property was two single families and a three unit from the same couple in Michigan.
- Jack continuously adding more units and the 13th unit became his short-term rental property.
- People can learn more about Jack thru his blog called Fired To Fire, & people can contact him thru Linkedln.
Timestamps
00:00 - Intro and overview on Jack ‘s career
02:38 - Talking how he learned about real estate and some strategies.
05:29 - Discussion about his house hack.
10:29 - How Jack started purchasing more units.
19:51 - Discussing his 13th unit, a short-term rental in Myrtle Beach, South Carolina.
23:32 - Looking how far or Jack’s future in real estate.
29:27 - How people can learn more about Jack.
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Full transcript here:
Mike Swenson
Welcome to The REL freedom podcast where we inspire you to pursue your passion to gain time and financial freedom through opportunities in real estate. I'm your host, Mike Swenson. Let's get some real freedom together.
Mike Swenson
Welcome, everybody, we've got another exciting show for you here on the real freedom Podcast. Today we're going to talk about House hacking, short term rentals, investing out of state, and we've got Jack Allweil here, and he's ready to share with us his house hacking. And then in addition, he was formerly an actuary, and he does some sports betting. So we're going to talk about that a little bit too, and talk about how he's building wealth through these different avenues and opportunities in real estate, and a little bit outside of real estate as well. So welcome, Jack, we're so excited to have you, why don't you just share a little bit more.
Jack Allweil
Thanks so much for having me, Mike. Um, so I grew up in a very small town in Michigan. It's about 100 miles north of Detroit. So I was comfortable with that area. And I moved down to Charlotte, North Carolina in 2015. To get out of the cold, yep. And when I first moved to Charlotte, it was very tough. Tough for me in terms of my social network, I didn't know anyone. And I unfortunately lost my job. At the end of 2016, I was having trouble keeping balance in my life. And I, it was kind of my bottom. And I really tried to revamp my life, I started reading a ton. I took what I call my my roots trip where I went to see where my grandparents grew up in Europe and Poland, Hungary, I actually met my my now wife on that trip, oddly enough, and started reading a lot. And I said, as soon as I get another job, I'm gonna buy a house and rent out the rooms. So I feel a little more stable and a little more robust in my life.
Jack Allweil
So if I do lose a job again, I'm a little I'm more ready. And luckily, when I did lose my job, I was only paying about 550 and rent. Right? When I moved to Charlotte, I was paying about 1300 and realized I was studying so much for the actuarial exams, it wasn't really worth it. So I downgraded. And then that's kind of what a house hack is. It's great if you're studying a lot are rarely at home, or you're rarely, you know, around. So I got into house hacking that way. And I really liked what I was learning, I loved reading on real estate, I got really into the bigger pockets podcast initially. And just started learning about different strategies. And the strategy that I employed to get some properties in Michigan by where I grew up was, I was trying to tap into different property managers and their client list and I would just cold call these property managers and ask if any of their clients need to offload any properties.
Jack Allweil
And this went on for a few months before I started hearing some positive feedback. And there was a couple that was going through a divorce that sounded like they needed to get rid of some properties. And this property manager didn't have any takers so far. And I felt like I got a good deal on two single families and a three unit from the same couple. And that's kind of what what set me off. And it's been a very good deal thus far. A couple couple things I that were unexpected, I had to put a roof on almost immediately, because no one would give me insurance. Yeah, that was that was a you know, landlording one on one lesson there. And yeah, so I, it's been an interesting ride. So far, still still new to it.
Mike Swenson
And to just to I mean, we'll touch into this a little bit deeper here. But now you're sitting that you know, as of the time of the recording, you haven't yet acquired your 13th. By the time this episode airs, you will have acquired your 13th. And so you've got your your one unit in North Carolina, you've got 10 units in Michigan,
Jack Allweil
it's two single families and then a three unit and then a seven unit.
Mike Swenson
So that's all in Michigan. And then your last one that we'll talk about two is a short term rental in Myrtle Beach, you know, so up to 13 units here over the past three years. And that's, that's certainly a quick growing portfolio. And I know lots of people would love to be at 13. And a lot of people in real estate, you know, this is where I kind of go back to people that are in real estate full time would love to be in your shoes, and they have all the knowledge, wisdom, experience and connections that they need. And they don't because they're too afraid to take the leap. So you're somebody that came in outside of real estate, you weren't afraid to make the leap. And look what you can do in the course of three years. So let's, let's touch on the topic quick about the house hack. So let's start there in North Carolina. So you had mentioned about, you know, wanting to add some additional income, you know, kind of cut, cut your living expenses and have somebody else, you know, help with that. So, what, what property did you identify? Or what was it about that property? We're like, Okay, this is where I'm going all in on a house hack.
Jack Allweil
Um, so there were a couple things. I mean, just as a renter, like, what would I find attractive in a property. Um, and I really liked going to the pools in uptown, Charlotte. And so it wasn't like a must. But I was kind of open to the idea. And a lot of people were saying, like, avoid pools at all costs if you're a landlord, but if I was gonna be living there, I would want a pool. So that was kind of one thing I had in my mind. And this house that I picked did have a pool. And it was, it was a split level home, really kind of four different levels. And it felt very much like each person would have their own living space. So the master bedroom was at the very top, there was two other rooms that shared a bathroom, and then a study room that was on a, an, an even lower level that had its own bathroom.
Jack Allweil
And it just felt like the common areas were very nice that if we wanted to see each other, that would accommodate it, but at the same time, it gave the privacy that I think a lot of people would want. And I thought I would be catering to slightly older people in the sense that I was a little further out of the uptown. So I thought maybe like mid 20s, early 30s or upper 30s people I would be getting, I wasn't quite sure at the time, but it just felt like you could have privacy if you wanted. And that's kind of what I liked about this house.
Mike Swenson
Yep. And then you rented it out by the room. Right? Correct. And then we find folks, ah, so
Jack Allweil
I found folks on Craigslist, there was an app called Roomster I used initially, I kind of veered away from that just because I think it was costing to send over a certain number of messages per week, I think. So I did a lot of Craigslist and Facebook marketplace. Yeah, that's how I found people.
Mike Swenson
Okay, so then you you filled in the other rooms now the property itself? Did it need a lot of work? Or was it kind of okay, as is,
Jack Allweil
um, the so this this property was about to go into foreclosure, the only thing I think it looked a lot worse than it actually was the pool was like, totally black. But it's really, it really just looks bad. It's really not that hard to fix. And, and I ended up clean doing, I knew nothing about pools, but I ended up doing the pool cleanings for the first about two years, I think. And then I found some reliable service that would come each week in the summer months and clean it. But the pool is the biggest thing that needed work. And I did. The other thing I thought that would help people feel comfortable living in a house possibly with strangers was I added a locks on each door. So if they wanted to lock the doors, they would have that option.
Mike Swenson
Yeah, yeah, no, that's such a such a genius opportunity. And obviously, you know, part of it is his season of life. Right? You know, it's it's easier when you're not married and don't have kids to be able to do that. But at the same time, you also have to look at what are my goals for the future? And you know, even if you do have a family and kids, it's like, hey, is there one room that you could rent out? Or something like that? Because that really helps with your mortgage? So I would imagine on, on your case with so you had four bedrooms total, right? So you're renting out three rooms.
Jack Allweil
Yep. At the at the peak, my principal interest, taxes and insurance. And I had this on, I had reified about a year in I think, to get the private mortgage insurance off and switch from a 30 year to a 15 year and the payment was actually about the same after getting the PMI removed. So my total payment was about 2200. And the rents were about 2300.
Mike Swenson
But when you're living there for free, and still collecting more than what you're paying out, yep. Yeah. So that I mean, that's a fantastic example of a great way to get started. So if it's somebody listening to this episode, and they're like, hey, what do I do? Right there. That's, that's about about us. Great an example of what you can do to really launch the rest of your kind of real estate career here as an investor. So, okay, so now you've got that. So I know you had told us a little bit that you were calling property managers. So now, you know what, what prompted you to go get those additional units? And then what land helped you to land on the strategy of let's go call property managers in Michigan? I know you lived in Michigan, but why not call call folks in North Carolina? Mm hmm.
Jack Allweil
So I, it started with just listening to a lot of podcasts and kind of compiling all the different strands. I mean, it's kind of overwhelming. And you're also listening to people that have done it for years. So it's, it's kind of it's, it's overwhelming and somewhat frustrating when you listen to some of these people that are ultra successful. But I tried to just say like, okay, like, what, what did they do initially, and a lot of it is just taking action. Just trying to do a couple things every day, even if it's just one or two phone calls every day. And if you just keep doing it every day, the results will come. And at the time in Charlotte in 2011. In 2017, there was a lot of construction coming here. And I just felt like the the rent, the rent ratios looked like they were not not as great as they originally were. And I, I mean, I grew up in such a small town. I mean, it's hard to believe, but there are houses that are for like 4050 grand, that seemed perfectly fine.
Jack Allweil
So I mean, I didn't really know a whole lot about the rent rental market, or what what you could get in rent, but I just called different property managers and tried to ask them questions about, you know, what are your typical rents right now? And how many units do you have? Just to get a sense of what the business was like there? And I, I think it was kind of just a comfort thing. I mean, there really is no reason I didn't call places around here. But I think some of the things on these podcasts was or word that the long distance landlord is possible, you just that it's really the property manager, you have to find a good property manager that you trust. And that can do the job for you.
Mike Swenson
Yeah. So so you're calling around you, you finally identify this, this family that's going through divorce, and they've got these properties to sell. How do you go about, you know, getting a mortgage for that? And then kind of what are those first few steps? And I think it's so helpful. Like, I like walking through this with you, because anybody listening is asking all these same questions like, yeah, I get it, you know, like your house hacked your first one. But how did you do that? How did you get the How did you get the mortgage? What did you know? How did you build those those connections? So yeah, so what what were those next steps for you there?
Jack Allweil
Yes. So. So it sounds crazy, right? I mean, this is probably the best, it might be the best deal ever do. But I got all the two single families in the three unit for 60 grand. And I was trying to raise money through conventional banks, but they were saying like, well, you don't have a track record. Yep. And things like that. So. And if I hadn't have listened to the podcast and stuff, I probably would have quit right after that. But then I asked the former owners, would you be interested in seller financing this way, and I'll pay you a higher interest rate. I think I got my my house was originally financed at like three and a half percent. And I offered them 6%, I think. And so I got them to finance 40,000. And then I raised another 15, from my brother and a friend. I was in for five grand. And that's how I finance that deal. And I tried to I actually was studying so much for the actuarial exams, and I had some extra cash that I tried to just pay it down because I I didn't. I wasn't doing any other deal. So I just figure, I'll just pay it down as quickly as I can. And I basically locking in a 6% return on that money. Yeah.
Mike Swenson
So now did those properties have tenants in them already? Or are they vacant?
Jack Allweil
They were all rented. I did have that first year I had two evictions in the three unit. Um, so I did it. We did have to go through that. But in the I think I've now it through three or four evictions total on those since the end of 2018. So it's been pretty good on those five units.
Mike Swenson
And now the the property manager that puts you in touch with those people is that the property manager that you're currently using
Jack Allweil
I am I just yeah, it was a smooth transition. He already knew the properties. He had been managing them, I think four or five years prior to me getting them. And I just decided why not continue using plus he was the one that facilitated the deal for me.
Mike Swenson
Now, for those folks that are wondering, how long did it take making those calls? So from from day one, where you're like, I'm going to go get another property to Hey, now I found these properties. And I have this sweet deal. That sounds too good to be true. In hindsight, what was the work that you had to go through to get there?
Jack Allweil
I was, I was trying to do just take little action every day, just a couple of calls. And I was probably rotating between, I think it was like four or five property managers in that general area. And I would say, really, after about two months, that this property manager came back and said, I think I might have something for you actually.
Mike Swenson
Just who's who's somebody that might need help? Yeah, yeah. interested in selling?
Jack Allweil
Yeah, for any type of reason. Yeah, that was just what I was asking. I mean, initially, when I was calling the property managers, it was more just trying to get information on that area for rents and kinda how many units they were managing, and just to get what they thought of the area.
Mike Swenson
Mm hmm. Yeah. Yeah, that's awesome. So then, so then the seven unit that you got with that the same same type of calls.
Jack Allweil
So that was not that was actually I mean, luckily, I was working remotely. And I spent some time back up in Michigan. So I was actually talking to the same realtor, though. And she was meeting up with me during my lunch hours to look at properties.
Mike Swenson
Mm hmm. That's awesome. And then similarly, you know, how did the financing work out for that one?
Jack Allweil
So that one, I actually went convinced I met with a bank and and at this point, I had already paid down, you had a lot of equity in the property and the other properties, they were totally paid off. So that did help. Originally, I wanted to pull cash out of those also, but they, they they didn't feel comfortable with that. But basically, I put 25%, down on the seven unit, and I actually surrendered. One of my former 401 K's to let her get that deal to go through. But that was conventional financing.
Mike Swenson
And was that one also occupied?
Jack Allweil
It was it was occupied, unfortunately, on that one. On the transfer of ownership, I think it's, it's, it shook up some of the tenants and two of them did move out. And we're trying to fill one of them still. Okay.
Mike Swenson
Yeah. Yeah, well, that's, I mean, that's fantastic. It's, you know, if you, if you look back, you know, to be able to say, Okay, over the course of three years, you've acquired 13 units, that's phenomenal. And like you said, it's, it's really just putting in the work every day, and there's gonna be a lot of days where you don't see success. And what you're really doing is just, you're kind of chipping down that door, and eventually, that doors gonna open up, and you're gonna have an opportunity you're not gonna buy, you're gonna buy seven unit complexes every single day. And yet at the same time, it's just that little bit of work that leads up to doing that, where now you can look back and say, Hey, I've got 13 units.
Jack Allweil
Yeah, I think that I think a lot of people overestimate how much they can do in a day, but underestimate what they can do over the long time on long term.
Mike Swenson
Yeah. Yeah. And now when you look up, so you know, if you go back to, you know, your story where you are fired, and to now look up and see where you're at, you've got cash coming in, you've got security, you have assets at your disposal, should something happen in the future. And look what you've done over the last couple of years. I mean, that's, that's very successful. So congratulations on your ability to do that. And you're in a much different position in a different outlook on your financial security as a result of that.
Jack Allweil
Absolutely. It definitely gave me more confidence to try to pursue the things I actually want to and and if I hadn't had those properties, there's no chance I would have asked my my, my former employer, could I just take two months off unpaid to go live with my girlfriend at the time in Austria, and I ended up doing that a couple of years ago. So it really has worked out incredibly well and has opened up a lot of doors.
Mike Swenson
Yeah, so let's let's touch a little bit then on on this 13th unit, the short term rental. How did that come to be? And why short term rental and kind of what's the opportunity that you see from from this potential property?
Jack Allweil
Sure. So my wife and I were at a wedding about a month and a half ago or so, in Hilton Head, South Carolina, and my, my wife liked the beach so much. He said, Well, why don't we take another beach trip? And I was like, Okay, well, we're, I mean, where do you want to go. And she came across Myrtle Beach. And I actually had never been there. It's only about a three hour drive from Charlotte, though. So pretty close. So we, we took a trip down there. And I actually enjoyed it a lot. I was very shocked, I kind of heard it was like very spring break, ask and maybe a lower tier version of Charleston. But I mean, I liked it a lot. And we, we looked at a lot of units, and they have what are called condo hotels. I had never heard of this before. But they look like hotels on the outside.
Jack Allweil
But you can basically buy a unit in this complex. And now the place we actually put the offer in it, they take 40% of the gross rents, and they pass along the credit card charges to you. But and it's it's very seasonal. in Myrtle Beach, the summer and spring months, it looked like they can rent between 250 and 350 a night on the weekends. And in the winners, you might get maybe 200 bucks total for the whole month. So it's very seasonal. And we kind of figured this would be a good opportunity to get an asset that produces something in the high season and also something we would be able to use in the offseason. And we were in in Myrtle Beach in October, and we were still going in the ocean. So it seems like and it was it was like a ghost town there is I was pretty shocked. And so we'll be able to use that in the offseason, hopefully a couple of weeks every year now. Yeah. And we kind of just saw it as a bit of diversification, we have a lot of exposure to Michigan and Charlotte. So kind of just looking to diversify a little.
Mike Swenson
Yeah, and I think that's something that, you know, people people overlook when they're thinking about a short term rental is, you know, a good idea might be to start and say Where's the place that I would like to go on vacation. And you know, there's there's different laws over how much you can stay there. But at the same time just looking at, that's now if you're going to take the time and go through the hassle of acquiring the asset, why not have it be something that you can enjoy? You know, so there's people that I know that you know, they they live out of state, and they bought a cabin in northern Minnesota, which is where a lot of people like to go in the summer, and they sell it out in the summer, during the busy season, you pick some times, you know, here, there were maybe there's you've blocked it out.
Mike Swenson
Or maybe it's a week that you guys want to stay there. Well, now that's your vacation home, and you've picked a good property, and you're making money off of it. So you know, why not double dip your your personal interests with your business interest and make money off of a property that you would like to go to? And so in some ways, it's, it sounds so simple. And that's the beauty of the short term rental.
Jack Allweil
Absolutely. And I will say though, if not for my wife, I would have never thought of even looking in Myrtle Beach. So I definitely have a lot to thank her for on this one.
Mike Swenson
Yeah. So as you think about your future then in in real estate, what does that look like for you? Or what are some of the the goals that you have some of the dreams that you have in terms of whether it's units, whether it's income, whether it's time freedom, you know, what, what does that look like for you now that you've kind of cracked this nut over the last three years?
Jack Allweil
So it's, um, it's funny. A couple weeks ago, my brother and I had a podcast episode and we, we read the book, Black Swan, and in that book to lab kind of talks about how bad humans are predicting into the future. So we thought it would be fun to do a segment on five year predictions. And one of the things we discussed were how many like units would we have? Or what what was our goal for the next five years, and we both independently fell fell on 100 units. So that's kind of what I had in my mind. I don't know. But it sounds like a high number to me right now. But at the same time, if I look back four or five years, I didn't think I would be a 13. So I hopefully will be able to figure it out.
Mike Swenson
And it grows like a hockey stick, right? The more the more leverage you have, the more you can double down on those assets and the more equity that you're earning, the more you can use that as leverage for acquiring more units. Well, let's just talk for a second because I know you do have passions outside of real estate. And so for folks to kind of get to you a little bit better. Talk about your kind of sports betting background and kind of how you got into that.
Jack Allweil
Sure. So also, I mean, this also was spurred from me losing my job. And in 2016, lost my job, had a lot of free time started reading a ton. And some of the types of books that I read on were soccer books. And I've always been into math and soccer. There was a couple of books, one was called money in soccer, and the other was called soccer nomics, one of the two authors, Professor Szymanski actually, still teaches in the kinesiology department at the University of Michigan. And I had called him just to tell him how much I liked the book. And talking about this, this project I was thinking of doing so. So one of his studies was analyzing what countries use their resources the best.
Jack Allweil
So he was looking at GDP per capita, the populations of countries, and then also the number of international appearances, a country had played in kind of like the capture the culture, how much they care about soccer, and you would think, you know, higher population, they would be better at soccer higher, or at least not a very low GDP, you'd probably be a little better. And so they were he was looking at those three factors to predict goal differential. And so I was started thinking well, okay, that's very interesting that he, he tried to do a regression on those variables to predict that, but what if we took it a step further and said, Okay, if if a match up were actually predicted to be, you know, a half goal difference? Well, all those matchups where there's about a half goal, projected difference, how often did that team actually win versus tie versus lose. And so I started looking at different variables. I started with what Professor Samantha kind of gave me, he gave me all of his sources.
Jack Allweil
So that was very nice of him. And I started looking at actually the the FIFA rankings, I thought that was a good indicator, and then homefield advantage. So I recorded, like, I think it was about 2000 games, from 2006, up until the 2018 World Cup, and just started doing a lot of regression to see those predicted gold differences and trying to put them more into probabilities. And then I would translate my predicted probabilities with what, like Las Vegas or other sports books were offering, and just try to bet on the ones that I thought were good value. And we did actually have, we did bet on France winning, unfortunately, we ended up losing a little bit money overall. And when I started trying to analyze where I might have gone wrong, and, and it seems like it was more the allocation, because it was kind of just okay, this is a good value, this is a bad value. But I wasn't really disciplined in how I was allocating the money. And that transformed in to my post analysis and the book make better bets, which is now on Amazon.
Mike Swenson
That's awesome. And, and, you know, kind of going back to, you know, when we, when we talk about building freedom to do what you want, how you want, when you want, it's fun that you get to dig, you know, dig and spend a lot of time into what you like, which is math, sports, betting, soccer, you know, and then also real estate. So it's about building that life, and you get a choice to be able to spend your time how you want to spend it as the result of what you've done on the real estate side.
Mike Swenson
So I think that's just a great example of showing how you can can do what you love and live a life that you want to live versus previously, you know, working a job that may or may not have given you what you wanted. And at the end, it ended up not working out and look at what happens if you're with your life as a result of that. Absolutely. Thanks so much for you know, spending the time going through things with us. So So Jack, for folks that want to learn more about you and your story. How can they learn and get a hold of you?
Jack Allweil
Sure. I do have a blog called fire to fire. I think I'm the only Jack all while LinkedIn. So feel free to reach out to me there. Yep. And I have a couple books on Amazon and my podcast with my brothers about a year old. We have about 20 episodes so far. And that's called the brothers on books podcast, and we just read nonfiction and discuss it's been a fun passion project. So that's where they can find me.
Mike Swenson
Awesome. Well, thanks so much for coming on. Appreciate Your time I appreciate you telling your story. And what I love about it, you know is yeah, you you came into real estate with no formal education and training, and you're able to just take action. And like you said, read books, listen to podcasts, that combined with action will outweigh somebody who just paralysis by analysis spends time thinking about thinking about getting ready and not doing anything. And so here you sit 13 units later as a result of learning an action versus somebody who doesn't. So congratulations on that and look forward to seeing your future successes.
Jack Allweil
Awesome. Thanks so much for having me, Mike.
