Get rich quick starting with buying a house with zero down payment

With Mr. Zhou's full cooperation, the bank loans for the first batch of 20 houses were approved and disbursed within two weeks.

As the bank disbursed the loan, the first cashback payment, amounting to over 3.2 million yuan, was deposited into the account designated by Lei Guoliang, in accordance with the agreement.

Almost at the same time they received the keys, Han Mei's rental team started up like a wound-up machine.

Pre-arranged viewings for clients, beautifully designed property brochures, professional and standardized reception scripts, in-depth introductions to surrounding amenities and international lifestyle, as well as promised professional cleaning services and rapid repair response...

Anjia Tianxia's standardized rental services demonstrated remarkable competitiveness upon their debut in the Beijing market.

A Chinese-American scientist working at Microsoft Research Asia, after comparing similar listings offered by Anjia.com and another real estate agency, chose the former without hesitation.

"You are more professional and pay more attention to detail, which makes me feel more at ease," he said.

Han Mei personally oversaw the process. The contract terms were clear, the rent payment method was flexible, and it even included an initial deep cleaning and a local lifestyle guide. The scientist was very satisfied and signed a two-year contract on the spot.

Similar scenarios continue to unfold. Foreign company executives, overseas returnee entrepreneurs, young university professors… Han Mei’s team accurately targets high-net-worth tenants in the Zhongguancun and Asian Games Village areas.

By the end of the tenth day, the first batch of 20 apartments had not only been fully rented out, but the average rent had even reached 3200 yuan, exceeding the B-level standard set by Han Mei herself.

When Lei Guoliang received the first month's battle report and the rent payment notification from Han Mei, he was looking through the financial statements sent by Ji Fanyin from Shenzhen.

Rental income in Shenzhen is stable enough to cover monthly mortgage payments, the company is operating normally, and it is gradually developing its brokerage business.

Things are going well for Su Wanqing in Shanghai, and now things are getting off to a good start in Beijing as well.

He walked to the hotel window, gazing at the dazzling night view of Beijing. Three cities, three stewards, three cash flows were beginning to slowly flow and converge within the asset empire he was building.

But it's not fast enough, and it's not enough.

Han Mei's first month's battle report arrived, and Lei Guoliang carefully examined the numbers:

The first batch of 20 units will be rented out, with an average monthly rent of 3200 yuan.

Rent received (one month's deposit and three months' rent in advance): 19.2 yuan.

Estimated monthly payment: approximately 5 yuan.

First month cash surplus: RMB 14.2.

3200 yuan. This figure was a little higher than Lei Guoliang's initial impression. At that time, he had expected the rent for a two-bedroom apartment to be 2000 yuan and the rent for a three-bedroom apartment to be 3000 yuan, with an average price of around 2500 yuan.

It's roughly the same as the monthly mortgage payment, so the monthly rent can barely cover the monthly mortgage payment. As for management fees, I have to pay them out of my own pocket.

This is, after all, the East Fourth Ring Road, and it is far from meeting the standards of the city center.

But things are better now. Based on an average rent of 3200, 20 apartments can generate 64000 yuan in rent per month.

If all 120 apartments are rented out, the total monthly rental income will be around 380,000 yuan. After covering the monthly mortgage payments, there will be a surplus of just over 80,000 yuan.

This is similar to the situation in Shenzhen, which is already quite good.

Thanks to Su Wanqing's efforts, the rental income in Shanghai has increased significantly beyond expectations. After covering the monthly mortgage payments, there is still a surplus of more than 140,000 yuan.

Lei Guoliang breathed a huge sigh of relief, even though he had long known that the value of the capital city was never just the rent.

He bought the property before the 2008 Olympics, during that epic price surge that could have doubled or tripled property values.

As long as the rent can barely cover the monthly mortgage payment, or even slightly short, and he can make up the shortfall with other cash, such as cash rebates, to keep his cash flow going, that's enough.

He's playing a game of trading time for space, betting on the future.

Moreover, for him, this is not a gamble, because he is a reborn person who has already experienced it once before his rebirth, so there is no risk at all.

He sent Han Mei a text message: "Data received. Rent is in line with the market and exceeded expectations. The team is quite efficient."

Continue to proceed according to this standard, ensuring tenant quality at all times; it's better to have properties vacant than to rent them out indiscriminately. The keys to the second batch of properties will arrive next week; please be prepared.

He put down his phone, walked to the desk in his suite, opened his laptop, and pulled up the Excel spreadsheet that recorded all his assets. In the "Beijing" section, he updated the data:

Assets: 120 units have been locked in, with a total area of ​​10500 square meters and an actual cost of approximately 4950 million yuan.

Liabilities: The estimated total bank loan amount is approximately 5880 million yuan, with 7% of the loan amount based on a loan amount of 8000 yuan per square meter.

Monthly cash flow: Estimated rental income of 38, monthly mortgage payment of approximately 30, and monthly surplus of 8.

Cashback received: 320 million (first batch).

Total cashback expected: approximately 1992 million.

Looking at these numbers, Lei Guoliang remained calm. This meant that he could earn more than 8 yuan a month from his 120 properties in Beijing without spending a single penny.

Although Anjia Tianxia Beijing Company needs funds to maintain normal operations.

However, Anjia Tianxia Beijing Company also has operating income. For each house rented out, they can collect half a month's rent from the tenant as a brokerage fee, as well as other service income.

After all 120 apartments are rented out, other normal real estate brokerage services, such as buying and selling second-hand homes and renting out properties, can also be developed.

Lei Guoliang's Anjia Tianxia Beijing Company isn't just there to support these people for nothing; it's there to make money.

Although the real estate market in Beijing is not very sluggish right now, it won't be long before things improve and the second-hand housing market becomes very active.

Lei Guoliang switched pages and brought up another document titled "Prediction of Housing Price Increases in Key Cities from 2004 to 2007".

在京城后面，标注着几个关键节点和百分比：2004启动，+15%；2005加速，+25%；2006-2007狂热，+40%-60%，4年总涨幅约120%。

He was betting on this steep curve. As long as he sold these properties during the peak period of 2006-2007, the profits would be enough to cover all costs, fill all gaps, and bring in hundreds of millions in net profit.

The risk is that he must ensure his cash flow doesn't break before housing prices skyrocket.

"It's time to speed things up," Lei Guoliang muttered to himself. He could no longer proceed slowly, city by city.

We must, as quickly as possible, replicate the successful model that has already been validated in Shenzhen, Shanghai, and Beijing in the next target city, Guangzhou.

To acquire more cash back, inject capital into the entire vast asset empire, and accumulate more shares that are bound to skyrocket in the future.

He first called Su Wanqing in Shanghai.

"Wanqing, how's it going in Shanghai? Also, keep an eye on the markets in Hangzhou, Mingzhou, Lucheng, and Nanjing, and give me a brief report."

See if there are any similar housing developments like Lianyang New City, where developers urgently need to recoup funds but the properties aren't selling.

"Understood! I'll follow up immediately!" Su Wanqing perked up and said right away.

Then, he called Ji Fanyin in Shenzhen.

"Fan Yin, the collection of rent and monthly payments in the deep town must be flawless."

In addition, please prepare information on all large-scale residential projects currently on sale in Guangzhou, especially fully furnished ready-to-move-in apartments and slow-selling projects, with a focus on projects in the city center areas of Tianhe, Dongshan, and Yuexiu districts.

Requirements: A standard apartment of around 70-100 square meters, preferably fully furnished and equipped with appliances, ready to move in. I need the checklist next week.

"Okay, Brother Lei, I'll get ready right away," Ji Fanyin replied, then asked in a low voice, "Are you... going to Guangzhou? When are you coming back?"

"I'll go after I've dealt with the aftermath in the capital. Shenzhen is our home; I can only leave with peace of mind if you guard it well." Lei Guoliang's tone softened somewhat.

Having made these arrangements, Lei Guoliang then turned his attention back to the specific issues in the capital.

Although Han Mei's team had a good start, the real pressure was yet to come.

Managing and renting out more than 100 properties is the ultimate test for any team.

He thought for a moment and sent Han Mei a second text message: "The team can be expanded to 10-12 people, anyway, the store will need people in the future."

Establish dedicated positions for maintenance scheduling and tenant services. Pay attention to the maintenance of rented properties and tenant relationships; a good reputation is the foundation of long-term business.

Han Mei quickly replied, "Understood, Mr. Lei. The team is expanding, and the service process has been standardized. I will keep an eye on the market."

Putting down his phone, Lei Guoliang walked to the window. The autumn night in Beijing was a deep, dark blue-black, reflecting the lights of countless buildings.

The pulse of this city, ancient and powerful, is undergoing subtle yet irreversible changes under the influence of the capital pieces he has laid out.

His plans here are nearing completion. Boss Zhou is desperately pushing the bank to release loans in order to sell the houses as soon as possible and recoup his funds.

Han Mei is honing her ground combat forces. But he, as the mastermind, must set his sights on something much further ahead.