ITF 84 | Investing In Airbnb

Do you need to pump up your cashflow? Investing in Airbnb is a great idea. Hosts Zeona McIntyre and Craig Curelop talk about investment strategies, FAQ questions, and market changes. Zeona shares how Airbnb was supposed to be at an all-time high last year. But great rates are coming through this year. House hacking by renting out your house on Airbnb can open up a passive income stream to bolster financial independence. Tune in to discover more trends in current investment strategies.

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How Investing In Airbnb Can Increase Your Cashflow With Zeona McIntyre And Craig Curelop

We wanted to give an update on our portfolios, our investment strategies, frequently asked questions people are bringing in the investment space, and talk about how the market is changing. It is changing rapidly, especially with the interest rates going up. People are having some questions that we would like to address.

Let’s get right into it.

If you’re thinking about becoming a real estate agent like us, you might want to go to Kaplan. That’s where I got my license. They made all this dull information interesting and memorable. If you are looking at getting your license, see if they have your state. They cover a lot of states but not all of them. If you want to get a little discount, use our code Invest2. Thanks, guys.

Z money, give us a quick update on your life, on your portfolio, on everything that you’ve got going on.

I am sitting in a pet sit in Dillon, Colorado. This is a ski town outside of Denver. It’s about an hour and a half away. I am doing what I always do, enjoying life but living in other people’s homes. That is one of the ways that we house hack. My partner and I pet sit. We are renting out our house on Airbnb and it’s doing fantastic. Airbnb was supposed to be at the all-time high but I’m seeing some great rates come through. We’re excited for the high summer season and what we’re going to be getting. That’s a little bit of a life update.

How much do you rent your place out for while you’re gone?

We are starting to see bookings rolling in for summer, which is our high time. We’ve seen some bookings in the $400 a night range. To give people perspective, our mortgage is only $2100, maybe $2200 when we’ve got everything said and done with the HOA. We can get that in a week. That’s pretty wild.

What is this place that you live in? Is it 2-bed, 2-bath? Is it a mansion? It sounds like it’s a condo.

It’s a townhome. We have a three-bedroom townhome in Boulder in the cheap part of town. Let’s keep our frugal roots but we’re excited that we got it. We got it in COVID in 2020 and it has increased dramatically. We paid $429,000 and it’s probably worth close to $600,000. We’re sitting pretty but it’s one of those weird things where you feel like, “We’ll never leave because we are priced out of our market.”

It’s funny how much it’s gone up in the past years and I almost feel the same way. It’s like, “It’s so hard to go and buy houses that were once $300,000 or $400,000, and now they’re trading it out like $600,000 plus. That leads into maybe one of our questions which were, “What do we do with these market conditions? Is it overpriced or is it the nature of how the market goes over time?

I would say it is the nature. I am under contract on a new Airbnb property. The way that I’m looking at my investing hero is that if the numbers work with the projections to the best of our abilities to project, I’m still buying. It’s like our guest, Scott Trench, who a few episodes back said that he was dollar-cost averaging. He’s thinking that sometimes you’re going to buy at the high. Sometimes you’re going to buy at the low. Lots of times, you’re buying in the middle somewhere and that’s the way it is. We are all riding that escalator up over time and you got to keep buying. You got to be in the game to ride it up.

Why don’t you tell us a little bit about this property that you’re buying? Where is it?

This property is in Washington in a little town called Union. That’s close to the Sound and it’s about an hour and a half from Seattle. There has been a trend in Airbnb where people are wanting to be in more of a retreat scenario. They want to leave the city and work from home but with more spaciousness.

I’m hoping our little cute cabin is going to feel like a great retreat where people can go kayaking, go down to the beach, and relax with their family. We are positioned well because Seattle is a high-income area. I like to be in areas where people are making high income. I have come from managing some properties in low-income areas and the guests you get sometimes are rough. I’m feeling excited about these techy Seattleites.

The power of the 1031 exchange is how real estate buys more real estate. Click To Tweet

You’re in Union, Washington. I’ve never heard of this place.

So many people have never heard of it.

Is this a place where people from Seattle like to retreat to? It’s more of, “If you live in Seattle, it’s cool to escape out.” Maybe it’s like Dillon, Colorado, where maybe no one’s heard of that but if you live in Denver, everyone knows of it. Is it like that?

There’s a lot of cute little towns next to the Sound. There are lots of little islands and hamlets. Union is one of them. Most people that I met in Union too have not heard of it. There is a famous hotel. It’s called the Alderbrook. Everytime I mentioned that hotel, everybody’s like, “Yes.” It’s right near that hotel and that hotel books up way in advance. We’re hoping to be overflow. Do you want to delve into the numbers?

I don’t want to get to the numbers. I want to know how you found this place. You threw a dart in the map or what?

Sometimes when I get hungry for properties, I’m searching around on Zillow or Redfin. I developed this idea that I was going to look for unique or remarkable properties with a view, or that they had some experience or whatever, because I’m seeing the trend in Airbnbs to be more rural or unique. People want to stay in an Idaho Potato. They want to stay at a treehouse. I was trying to find those types of properties.

I put in the keyword “unique” and then I was searching all over the entire United States. As you can imagine, that is some deep geekittude because that takes a long time but I stumbled upon a lot of great properties. I’m starting to put out a subscription where people can get three properties a week that are doing high numbers, high projections on Airbnb.

Do you use any data pools to win your numbers? What do you do there? You found three cities, Union, Dillon, Colorado, and some other place in Potato Idaho. Where do you go from there?

We had talked about this. Remember when I said that you want to see at least 15% on the purchase price versus the gross income? I am looking for 25% net return. I realize through doing a bunch of number-crunching that if I get at least 15% gross income, that return on what the prices that you’re paying versus what it can make on gross, then the numbers are probably going to be 25% or more. I have a little spreadsheet where we crunch those numbers on everything. I’ll go in a little bit deeper and say, “Is this a neighborhood that’s legal? Do they do Airbnb here and all that?” That’s how my process looks. I’m trying to expedite that for people so they’re not having to do as much work as I’m doing.

Union meets your 15% rule. Let’s get into the numbers a little bit on it, purchase price, the deal.

I’m buying this property with a partner through a 1031 exchange. We can also talk about that. This property is $440. The mortgage will be around $2,700. There’s no HOA. We are supposed to be cashflowing at least $1600 a month after all expenses are said and done. What other numbers are there?

You’re going to cashflow $1,600 a month estimated. That’s going to be split between you and your partner so that’s $800 apiece. Why go with this on a partner? What did the partner bring to the table here?

We owned a property together in St. Louis that we had bought for $69,000. We are selling that property for $125,000, which is awesome. We have about $70,000 in equity to take off the table. Even though that property was great in doing good returns, it was only making us about $250 each in cashflow per month. It’s already a win that we can take that money over with our 1031 exchange tax-deferred and buy this property.

The extra bonus is that we’re going to buy a second property. We haven’t identified that property yet but that’s the power of the 1031 exchange. It’s how your real estate buys you more real estate. We’re excited because that $250 a month that we were cashflowing is going to become $800 at least. I’m hoping that it’s going to be $1,000 each and then maybe it’s going to be another property. That will be another $1,000 each. That’s pretty killer.

ITF 84 | Investing In Airbnb
Investing In Airbnb: We’re all riding that escalator up over time, and you have to keep buying.

Let me get all these numbers straight. You’re taking $70,000 after you pay your realtor. After all that stuff in St. Louis, you’re going to take $70,000 and use that on a down payment for this $440,000 property.

No, we’re only doing 10 so that’s why we’ll have 10 for the other side.

Are you buying this as a secondary home?


Is that a way to get around the 20% or 25% down in these different markets? You’ve got property in Florida, St. Louis, Colorado, and Washington. Because they’re so far apart, you can buy multiple second homes at this 10% down rate. Is that correct?

Yes. They need to be 100 miles apart is usually what a lender requires. You can have unlimited 10% down second homes. They used to have a better interest rate and now they don’t have as good of an interest rate. That’s okay. As long as your numbers work, your numbers work.

The fact that you can buy this property with 10% down is one thing. It sounds like you have some money left over and you’re buying a second property with that?

Yes. We decided we could put all that equity in one, have a lower payment but why not stretch ourselves and try to get the most cashflow we can get? We are looking for another property around $400,000 to $500,000. We’ll have to bring a little bit of money to the table but we feel excited about it. The property we are selling has money in its bank account already. We were going to use that money to buy the furniture for the new property. The last cool bonus is that when you’re an agent, I’m getting a kickback. I’m getting a referral fee for ourselves for this new property that we’re buying. I get a little to 95% of the agent’s commission. It’s like a bonus to buy property.

Some people are hesitant. This debate goes around about whether you should partner or not. You’re in the boat of “you should partner” because you are partnering. How did you come to the decision that you wanted to partner? How did you find this partner? You guys get a deal in St. Louis but how did you convince them to do that deal with you in St. Louis?

Dave and I know each other from the circuit center in Boulder. People think that you have to meet partners in these specific areas but honestly, you can meet a partner anywhere. We met at a yoga class. I’ve known Dave for many years and we own two properties together and it’s going to be three altogether.

I brought him on because he works at an aerospace company and has an easy W-2 job. At the time, I couldn’t get a mortgage and I was like, “I get to split the risk of doing this new scary thing. I can have somebody in it that’s going to get the mortgage and I won’t have to deal with it.” It was a great win-win. I’ve done a lot of partnerships and I’m a big fan of it with the right partner.

You seem to structure those all 50/50. Do you have an LLC for each property or do you have one LLC for your partnership?

We don’t even have an LLC. We did at the beginning and we decided to disband it. Now we just use umbrella policies. We don’t have an LLC for that.

What happens if your partnership goes south and Dave runs away with all your money?

When the prices of homes go up, the rents follow. Click To Tweet

It would be hard for Dave to do that because I’m the one who manages all the bookkeeping. I would be the one who would run away essentially. I’m the one who manages the home. Dave’s a trusting outside guy.

Dave makes enough money. It sounds like yourself too.

Unless you have more questions about this particular deal, I am going to turn the tables on you.

I can go for hours but I’ll let you turn the tables.

First, let’s get a little Craigy life update.

There’s been a lot of life changes for me in the past months. I am now a married man. We moved to the potato land of Idaho. Don’t come here. It’s horrible. I’m kidding. It’s nice. We bought our “forever home” here. We’re still house hacking it technically but the intent to buy this home was not to house hack it. We purchased it and we got an extra basement that we’re renting out to somebody for now. We grow into the house.

I love that you did air quotes about forever home because as a house hacker, I don’t know that there is ever a forever home. Let’s say that.

I call it a forever home because our intent is to have it forever but you know how life goes. I can’t predict a few years out, never mind forever.

You guys haven’t been in a home more than six months for a long time? You would probably get sick of it in eight.

Since high school, both me and Grace have not lived in the same place for more than a year. We get this itch a lot. Hopefully we don’t. The intent is not to get the itch to move. Those are big things. Our house hacking is coming to an end but it’s a happy conclusion. That’s the chapter because I’ve done five house hacks. Grace has done two. Together, we’ve got seven house hacks that don’t include the other parts of our portfolio. Just the house hack itself, if we did nothing else, would provide us that baseline financial independence. No one wants to house hack forever. We’re moving on to that next part of life.

Will you ever stop house hacking? I feel you guys will build an ADU or something.

There’s probably always something. We bought a house on five acres because in Idaho, if you have a house on five acres, you can build two structures. They could be not permanent structures, like a tiny home or something where you could Airbnb. It’s in the back of our minds but it might be later down the road.

First off, I’m blown away that you got five acres in Idaho because I’ve looked in Coeur d’Alene a little bit and it’s expensive. It is crazy. It’s worse than Boulder out there.

We’re in Post Falls, which is outside of Coeur d’Alene. We’re about 15 minutes from Downtown Coeur d’Alene south of the Spokane River. It’s gorgeous. It wasn’t super cheap. Our thought was most people have never heard of Coeur d’Alene and it is becoming more and more popular every month. People are starting to move here and all that. We could wait three years to buy this property and buy it for $500,000 more or we buy it now. Our intent there was, “Let’s buy this thing now. We can have the appreciation while we own it versus rather when someone else owns it.”

ITF 84 | Investing In Airbnb
Investing In Airbnb: Finding a cool Airbnb destination can pump up the cashflow.

With high interest rates and the market uncertainty, how do you feel about your new purchase? What deals are you looking to do?

We squeaked in on this pass on this one with a 3.25% interest rate. That’s as low by the hair in our chinny chin chins did we get that one. I am selling one of my problem properties. I’m not going to give you the address. I’m selling one of my problem properties and you’re going to use the funds that I get from that. I don’t know if I want to purchase another thing in Denver. Z, I honestly might go your route and try to find a cool Airbnb destination so we can pump up the cashflow.

That’s not my main focus by any means but I don’t want to have money sitting while inflation is happening and all this stuff. We’re thinking about doing that. We’re also doing some multifamily syndications. That’s where most of my focus is now. I’m trying to find deals. I’m looking in Louisville, Kentucky at the moment and starting to underwrite and analyze deals that way. That’s what’s next in the rental property space for me.

Why is this a problem property? What makes property a problem?

I purchased this property in 2020. I did a big renovation to it and made the single-family home into a triplex. I did this massive rehab and I kept getting in trouble with the city because the prior owner did not pull permits. I had to continually get this thing up to code. Finally, I get it up to code. It’s good. The city likes it. We’re there. Months ago, the tenants come to me and say, “There’s a crack by the basement window over here.” I was like, “Uh-oh.”

For those of you reading, when you see cracks by windows and doorframes, typically that means there’s a structural issue. I brought over the structural engineer. They’re like, “You might have an issue but let’s watch it. A week later, I get a call again, “This crack is getting a lot worse. It’s moving fast.” We’re like, “Uh-oh.” I get the structural engineer. We tear down the drywall and we see a massive crack, right diagonal through the entire east side of the foundation. It seems like we need to fix that. We fixed that. It’s about a $50,000 expense.

This is the beginning. The structural engineer comes back and she starts to notice other things throughout. That wall we fixed was on the east side of the house. She’s noticing some other movement now on the north side and south side of the house. They cut holes in the drywall to see what’s behind the drywall. There are cracks that you can put your hand through. There are major structural issues with the house. The house is beautiful but it’s barely standing.

We’re talking hundreds of thousands of dollars in structural repair potentially, at least those are the quote I got. We’re still getting more quotes. This is still in process. So we’re moving through that. What I may end up doing is selling it to a wholesaler and saying, “The house is beautiful but there’s an issue. Whoever wants to solve this problem will have a great cashflowing property.”

I’m going to be selling it for way less than what it’s worth. It might be the win-win here. I never thought I’d be selling my property to a wholesaler but this might be the case. It’s not all bad. One silver lining is that I talked to the seller. The drywall was stamped December of 2017, which is right as he bought the property which made me think that, “This guy knew about this.”

He saw the structure and hid it with a drywall. He claims to not have known about it because he’s purchased lots of properties and he didn’t ever even look at this one. It would be almost impossible to prove whether he knew about it or not. His contractor probably knew about it but his contractor is broke. I could sue the contractor but I’m not going to get anything except a massive legal bill. That was out of the works. He said out of the kindness of his heart and so he can go to sleep at night that he was willing to write me a check for $90,000 to help me with some of these costs.

It’s a nice thing. I’m grateful. I haven’t seen it yet. We’re in the process of getting his lawyer to write up a release so that he can send it over. I’m grateful that he’s planning on doing this. So once we get that, that will help stomach some of the losses that I’ll take from this property. Even with that $90,000, I don’t think I’m going to come out ahead. That’s why I’m selling this one. I suspect I’ll have $100,000 to maybe $200,000 to then go and invest somewhere else.

Everyone, big news. Invest2FI has partnered with RentRedi. We’ve partnered with them because that is the software system that both me and Zeona use to do property management for our rental properties. It makes things super easy. We can send applications, get background checks and credit checks. When the tenants come in, they can pay rent automatically through there. They can submit maintenance credit requests, and do everything you need to do for property management, all in one place. That’s why RentRedi is the thing that we’ve done.

I’ve been using them for years. That’s why we reached out to them for a relationship on the show. I’m excited to have them on board. If you go to and use the code Invest2FI, you’ll get 50% off your first six months. I can’t wait to see you there. Let us know. Hit us up on Instagram or wherever and let us know what you think of RentRedi. It’s an amazing software. I use it all the time. You can access it from your phone. Thanks so much. Let’s get back to the episode.

That is exciting. I feel like you don’t tell us all these crazy stories. We are like, “Nothing’s going on.” In the background, you’re having huge trials and tribulations.

Think of ways to get creative in financing. Click To Tweet

This has all happened, by the way. I mentioned the structural thing before. I even did a TikTok on it but learning that the other parts of the house were bad have all happened in the past few days. It’s been craziness.

Do you want to talk about these multifamily syndications or do you feel you want to save that until you guys are ready to share it with the world?

If you have any questions on syndication, I’m well researched at this point and it’s a matter of action. We’re actively talking to brokers or analyzing deals. It’s hard to find one that pencils in this market, especially with rising interest rates. The numbers look significantly worse with these rising rates. That may have a trickledown effect into the single-family space too. With rising rates, people are not going to be able to afford as much, which is going to put a damper on the housing. I don’t suspect a crash but I could have got $700 back in January or February 2022 for my house but maybe you’re talking $675,000 now.

The thing that people don’t realize is that first, prices of homes go up, and then rents follow. Rents lag behind. A lot of people think, “I can’t afford to buy this house where it’s going to be $2,000 per bedroom.” I am dealing with that in Boulder, where two bedrooms are around $600,000, which is wild. People don’t realize that eventually in their rents. They’re thinking, “My rent’s cheaper than that. I’m going to stay in my rental.” That’s not going to stay that way. You still generally come out ahead if you buy something and if you buy smart. I want people to have that in their minds. What else do you think we should cover, Mr. Curelop?

I can give a quick update. We’re doing some fun stuff with the FI team. Some of the feedback that we’ve gotten with the FI team, some of our amazing agents want to see more training. They want to see more leads. They want to see all this stuff. If you’re an investor moving to the Denver area, hit us up. There’s only so much we can do with investors. We’re starting to branch out into the traditional residential space.

I finished a book on how to buy a home in Denver and there will be a way to get access to that. I haven’t figured that out yet but our awesome team will get you access to that. We’re building a funnel for people who are looking to buy residential homes, can use some of us. I’m working with a coach and it’s exciting. I feel we’ve got some clarity. I know where we’re going. I’m excited to get up and running there. Things are moving along nicely.

I am also writing a book. My book is going to be published through BiggerPockets and I’m writing it with Sarah Weaver. We have gotten the green light and we are mostly done. We’ve got edits to go at this point but that book should be coming out on medium-term rentals in the winter of 2022. Hopefully, this can be a Christmas list item for all of you guys but we’ll give you updates as things come up. We will be teaching a section on medium-term rentals at the BiggerPockets conference. That is not for sale yet but it should be in the coming months. We hope to see you there. Craig will probably be there too.

I will be there.

For our final section, I was hoping that we could talk a little bit about how to make offers competitive in this market. Do you have some things that you’re doing with your team, Craig?

You want to get with your lenders, I would say is step one because sellers are wanting fast closes. Don’t say, “How long does it take you to close?” because they’ll say, “Thirty days.” Say, “Can you close in two weeks? Can you close in three weeks?” Give them that. when you frame it in that way, it’s almost like a pride point for them. “We can close in three weeks.” If you give them the option, they’re going to want to close in four because they got a handful of other people that want to close in three. You want to be in that list of people that close in three. Step one is make sure you can close quickly.

Step two is you need to craft your offer in a way that is appealing to the seller. You got to go above asking. We always call the selling agent to make sure our offer is competitive, limited on the inspection, appraisal waiver. One thing that we’ve been doing more of is that we rush the appraisal. We waive the appraisal but then we pay for the rush fee. It’s probably an extra $500 for the client to rush it. You get it back in a couple of days. You can make the decision based on the inspection whether you want to move forward with it or not if you’re coming back overpriced.

It gives you a little bit more weight and decision-making before that deadline hits. That’s one way we’re able to get offers accepted and it’s been fairly good. I’d say the market is lighting up a little bit. We’re seeing a little bit more inventory. January and February were mayhem. That’s some things that we’re doing. It is a blood bath out there. You have to stick with it. Don’t get too discouraged. What about you, Z? Any special sauce you got?

On that quick close thing, a lot of lenders are offering cash programs where you can initially offer in cash. That can allow you to do a quick close. In Colorado, you can close in 10 days with cash and then they’ll refinance you after. Unfortunately, it’s a little bit more expensive because you’re paying closing costs twice. If that’s the only way to get your offer accepted then it’s something to look into.

There are a few other companies that do cash programs. You can look into that as well. Because of that, it makes cash a little bit less valuable because there are so many cash programs out there that brought a lot more cash buyers to the table. It’s not that cash is king as much as it used to be. Know that as well. That’s my main tip.

ITF 84 | Investing In Airbnb
Investing In Airbnb: Selling your property to a wholesaler can be a win-win.

You brought a lot of good stuff. The only other thing that I’ve seen some of my agents doing is that they’ll sometimes make the earnest money hard. In general, you’re bringing earnest money to the table that says, “I’m putting this money up as a risk because I’m serious and I’m going to buy this property.” You can make some of that hard. It is what they call it but it means nonrefundable. You can say, “$2,000 of this is nonrefundable if we leave the deal.” It’s saying, “We’re serious. We’re going to follow this through.” That is something that you can do but that’s all of it.

I’m sure there’s tons of creative ways to do it. We have our ways but there’s probably ways that we’ve missed. Think of any ways to get creative. Another thing is you have to figure out what the seller may need help with. If the seller is moving, maybe you say, “Why don’t I pay for moving costs?” It is worth buying a house for $2,000, right? Figure out some way that you could help them out. Don’t ask them, “How can I help you?” because you’re giving them a job by asking them and making them think how you can help them. Think of ways that you potentially can help them. Maybe you put that in a contract.

The last thing that we both used is post-occupancy agreements. Sometimes people need a little more to time in their home. Maybe it’s because they’re selling their home then they’re going to go buy a home. They might need an extra two months in their home. You can give them that for free. It’s something to check in on and see what they need. This is our final four and I’m going to ask Craig and then I’ll answer too. Craig, what are you reading?

I am in between books, believe it or not. I just finished Courage is Calling by Ryan Holiday. I realized I finished all of the Ryan Holiday books without even intentionally doing so. I’ve never read his entire series but that was a good book. It was about ways to be more courageous and thinking about how we’re meant to be more courageous in doing things that may be hard but still the right thing to do even in hard moments. That’s a good book. How about you? What are you reading?

I am reading Doc G’s book, Taking Stock. I’m also reading Ishmael which is a spiritual book. It’s about the spiritual teacher that’s a gorilla. Have you not read that book?

I’ve heard of Ishmael but I feel that’s like a Bible name or something. That’s why I’ve heard of it.

It’s pretty well known. I’m reading that too but what I’m reading is Taking Stock. We have Doc G coming up in a few episodes. He talks about financial independence and figuring out what is going to make you happy in life and not just focus on money. It is a pretty great book. I’m only in the beginning stages but we’ll have more on that in a couple of shows.

Z, what is the best piece of advice you’ve ever received?

It’s funny because I knew that was coming and I don’t have something ready for it. Let me think about it. Do you have yours?

The thing that always comes back to me is not even a piece of advice that I can remember from anybody that gave it to me. It was a quote that I read in Tim Ferriss’ The 4-Hour Workweek. He says something along the lines of, “Your worth is based on the amount of uncomfortable situations you put yourself in.” That line hit me in the right place at the right time. Getting used to feeling uncomfortable was something I wasn’t used to doing. After reading that sentence, I was like, “I’m going to go do something random.” I went up to a random girl and asked her for a number on the subway.

You’re like, “Now, I’m worth more.”

I didn’t even care to have a number. I never texted her or anything but that feeling of, “I’m uncomfortable.” Living in that has allowed my career and stuff to grow and feel like I’m more courageous, which is fitting for the book that I finished reading.

It’s interesting because my best piece of advice is also going to be around worth. I am in a program where it’s like an accountability group but maybe it’s also like a mastermind. I’m doing this program on finance, figuring out your finances, improving your finances. He talked about how your self-worth leads your net worth and not the other way around. A lot of times people feel, “When I have $1 million, I’m going to feel like a better person. I’m going to feel more worthy.” You need to feel worthy first and that will help you grow your net worth. That hit home where I was like, “I’ve been thinking about it all backwards.”

I’ve heard of the financial thermostat. You’re going to dial that thermostat up to $1 million net worth before the temperature in the room hits the $1 million. You’re going to dial that thing up to 72 degrees before it hits 72 degrees. That is another thing as well. Prior to discovering real estate and financial independence, I was living in a middle-class to lower middle-class mindset of spend everything I make. Anyone tuning in to this show, I can almost guarantee you is living in the millionaire mindset. Whether you’re a millionaire yet or not, your thermostat is dialed there. You have to let the room heat up and keep making progress towards it.

Your self-worth leads to your net worth, not the other way around. Click To Tweet

Question number three. What is your why?

I’ve been grappling with this a lot and I feel my why has changed quite a bit. Initially, it was to travel and to live a free life and all that. I have hit that baseline financial independence, maybe a little bit more and I haven’t done much traveling or anything like that. Things are changing. We’re thinking of starting a family soon. It’s making sure that I can take in every moment with my wife, with my future kids, with my parents that are growing older, having kickass memories with some of my kickass friends, and living a badass life without money being a huge issue.

My why is around impact. I’m not intending to have a big family. I have some nephews and stuff like that. I have a lot of chosen family of friends. For me, I want to help as many people as I can achieve a life of freedom or they’re doing it on their own terms. That’s what I think about when I’m doing meetings, planning content, and when I’m writing a book. How many people can I reach? How many people can I help? That is the motivator. Do you have a silly question for us?

What is your go-to karaoke song?

I don’t do karaoke because it scares me. If I did it would be either Mustang Sally, that feels like a good one. You should listen to it sometime. There’s something else but I can’t think of it. What about you? What’s your go-to karaoke song?

My go-to karaoke song is Unwritten by Natasha Bedingfield. Believe it or not but for some reason, I can sing that song good.

I’ve got to go to karaoke with you.

What’s that song by the Spice Girls? “Tell me what you want, what you really, really want. Tell me what you want.”

Tell me what you want?

Is that what it’s called? I feel that would be a pretty hype karaoke song too.

Where can people find out more about us?

Instagram is the best place for me. I’m @ZeonaMcIntyre. I haven’t changed to Z Money yet. I probably won’t but reach out to me there. I answer all my DMs. I like getting people’s questions because we use them and we answer them.

Every single person reading this, DM Z and tell her to change it to Z money.

Slide into my DM.

ITF 84 | Investing In Airbnb
Investing In Airbnb: Live a bad-ass life without money being a huge issue.

I did have somebody reach out to me and ask for that. That was cool. I was like, “People are listening.”

You could find me @TheFIGuy on Instagram, on TikTok, and all those fun places. That was us Z. What do you think about us?

I had a lot of fun. I thought that was a good episode. I didn’t know where it was going to go but it was cool that we both got to do a little deal deep dive. The people got a lot out of it.

This episode was pretty fun. If you guys wouldn’t mind maybe leaving us some feedback on this episode, did you like me and Z? If so, we’ll do more of it. Otherwise, if you like the guests more, we can bring them on too. I get it. It’s not all about us.

It won’t hurt our feelings.

We like to interview the guests too so they’re not going to go away permanently. We work these in maybe once every couple of months or something like that. Let us know again at TheFIGuy or Zeona McIntyre on Instagram. If you wouldn’t mind please leave a rating and review on iTunes, that helps the show reach more and more people. Share us with your friends. Do all the things that you love to do, like sharing our episode. Z, anything else before we get out of here?

I would also love it if you guys have some cool tips on how to make offers more competitive, reach out to us and let us know so we can share it with the community. You can reach out to us on Instagram with that.

We’ll see you all next time.

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About Craig Curelop

ITF 84 | Investing In AirbnbCraig Curelop went from a net worth of negative $30,000 to financially independent in just 2.5 years. Now, with his financial independence, he has fun building a team of investor-friendly real estate agents at The FI Team, helping others achieve financial independence as he did. When he’s not slaying dragons with his newfound money mustache, he is rocking podcast episodes, generating valuable content for FIRE learners everywhere, and living the biohacker good life in Colorado and Idaho with his wife.

About Zeona McIntyre

ITF 84 | Investing In AirbnbFrom 50k in debt to Financially Free in 2 years with Airbnb! Zeona McIntyre has been an Airbnb host since 2012. After many years of being a Short-Term Rental Property Manager & Consultant, she has transitioned to selling Real Estate to investors looking to house hack or live for free. She is an avid Real Estate Investor owning & managing multiple homes, all on a short-term basis. She teaches others how to create automated hosting businesses and how to invest through unique strategies. Zeona has been to 47 countries, and in non-Covid years, she would spend half the year in Boulder, Colorado and the other half traveling the world as an international pet and house sitter.