 Well, here's the last set news to get top stories in crypto currency, the last sets and break them out of bite-sized pieces. They were going to continue on with the alternatives to cashouts. All right, everybody, welcome back to the office. So today, this is day two of the cash out or alternatives to caching out and using crypto loans. So we kind of laid the groundwork on the very first video we talked about, you know, the different four platforms where we could actually get a crypto loan and how it is all collateralized. So today, we're going to first talk about some basics of things that you can do to actually earn yield. They're going to go over just some basics as far as the short-term rental space, as far as Airbnb and VRBO. And then finally, we're going to take a look at which crypto loans you can use, which ones are the best for it and really how it'll all play out. So let's just jump in. This might be a little bit long, but there's a lot of great information. So just stick with me and I'll see you at the end. Okay, welcome back. Let's continue our discussion about using our crypto for collateral and taking a loan to make it work for us. Now today is all about using crypto loans for an investment property, which you can rent out on Airbnb and also VRBO. Now this is what I do and it works for me and my wife, but before we start, this is for educational purposes only. And it is not financial advice. This is just what I am doing. So if you haven't yet watched the fundamentals of crypto loans and for platforms video, then I'll link it at the very end of this video. Or if you're watching this on Dan, teaches crypto in the members area, then the video is right above this one. So you cannot miss it. Also, if you want to know why I recommend taking loans versus caching out in which platform has the best rates and terms, then watch this video. All right. So as a reminder, you can make passive income on your crypto by simply staking or holding. You can hold them on an interest bearing platform like Celsius or Voyager, nexocrypt.com. However, I personally only use Celsius and Voyager because I trust them. And I earn between four and a half to 18 percent yield, but you're free to get exposure to all the other ones out there. You can find a secure link to each of the platforms I talked about by clicking in the description below this video and you'll get twenty twenty five dollars in Bitcoin if you sign up using those links. OK, also for staking, I recommend Cardano because you keep your Cardano in your personal wallet where you have control of your own keys. Your ADA is never locked in place. So you can undeligate at any time and there is no minimum to stake. So you can start staking with just a couple of ADA if you want to, which I think is pretty great. Lastly, you can add more ADA to your staking wallet or remove ADA at any time. And you can earn between four to six percent rewards. With ADA by delegating to a Cardano staking pool. I will humbly recommend our own at the news pool. You can find everything about it at danteacherscrypto.com. Just click on the ADA staking tab right here and then scroll down to this 13 minute video, which explains what our pool is, how to stake to it, our rates and near perfect uptimes. So rewards flow in continuously. And finally, if you don't want to do any of these things, but want some massive tax savings and check on my video titled how I pay no taxes on my crypto gains through iTrust and my Roth crypto IRA. If you have a traditional IRA somewhere else, or you have an old employer plan like a 401k, a 403b, military TSP, 447, or you want to start up a new crypto IRA or just an IRA, then talk to the guys to iTrust by using the link in the description that looks like this and get 30 days for free. So Airbnb and VRBO are just great if you use them correctly. There's a lot of ways to fail at it, especially if you have an investment property. And if you don't know what it is, Airbnb as an app, those people rent out their properties to other people. So let's say you want to go to Houston, but a Houston, Texas, check in dates, well, it's December 29th. We'll go there for seven days. And we're going to search and basically it just gives you every type of place that's out there and you can filter it and you can stay in these places. And there are people's homes and you can, you know, stay either there by the room or by the house. And this is pretty good, especially if you're one of those people who like traveling with your family, don't want to stay in a hotel. This is a perfect option and a much cheaper option, actually. And it just depends on how big the house is, how nice it is, the amenities and everything else that kind of comes around with that. So we do this with our properties in El Paso in Houston. It's been a great way to generate revenue while gaining equity in an appreciating asset in a much quicker or more rapid way. So instead of paying off a house off in 30 years, we'll be paying off these properties in about seven. So so personally, I like owning properties and assets because they generally appreciate and there are also tax benefits. Owning a home allows you to reduce your taxes through depreciation and the interest from your loan every single year. Now, I also now I see property and really land as the ultimate store of value. Hey, I mean, in my opinion, everybody needs a place to stay. And this is why I think it's a pretty good store of value. So to use Airbnb and VRBO, you can obviously rent out your place while you're away from vacation or whatever. But a better option is just to buy an investment property and rent it out on a short term basis. So the question then is, should you just go out and buy any property that you think will get rented quickly based on your gut? No, you don't, just like everything you need to do your own research and find the right property in the right area for the right price. So let me introduce you to AirDNA. Let's go through their website and I can explain it in a little bit more detail. So this is AirDNA. And what's great about this website is that it tells you exactly how many rentals are being utilized by Airbnb and VRBO. So you can kind of get a sense of the area that I live in. Is this a good place to actually purchase a rental property and put on Airbnb or VRBO? Or is this just a place that has, you know, nothing going on and people don't want to stay here? So there's a lot of cities out there like that. So when you look for these types of places, of course, I always like to look around me first and then I kind of branch myself out. Now, thankfully I live in Houston and I'm also in El Paso. And there's never a shortage of people who want to stay there because there's always transients, people coming in and out. So what I really want to do then is really kind of narrow it down and see what kind of different areas are good or what locations within that city. You can also break this up and if you're one of the people who live in like a city where you're like, I don't know, this would actually work. You can just take a look at the entire city. So real quick, let's take a look at I'm going to go for Cyprus, Texas. And that's a little city outside of Houston. And what's great about this is that, well, first of all, there's two options. You can you can pay for the monthly fee for this one, like 20 or 30 bucks. I don't ever do that. I just go for that for the free option because I can kind of look at and kind of see what's going on in this area. So before we move down, there's just a couple of things to make mention that are pretty important on this page. First of all, this market grade affects about rental demand zero to 100. So 85 is pretty darn good. Next part here is the average daily rate. And this is what I look at just to take a look at what kind of houses I can get as far as the price. If I'm looking at $153 average daily rate and the occupancy rate is 61%. So let's say that that's about what 18 days or so times 153. You're looking at almost $3,000 per month or 2754. Now there are fees and there are different things you have to pay for. But that's a pretty good indicator that this is a pretty hot market, a pretty good section of the city to get into it. So those three right there is pretty good. And then here's the average revenue, 1667. These are the types of things. Also right down here, entire room versus private room. This will play into the hands of the homeowner association and what you can actually do is we're going to talk about in a second. But that's a pretty good indicator that, yes, people are renting the entire home, which is what we do. I don't recommend the private rooms. I mean, you can do that. That's one option, but we don't do that. It'll tell you like, this is Cyprus, Texas. Here's Houston, Jersey, Villege, all that stuff. And it'll just break it down by like, here's all the different Airbnb properties that are listed on there. And you can actually go to it like, let's see over here. Any nice, this is a nice one. This one's got a high rate. Average daily rate is 424. Nice. So when you pay for it, when you pay, if you pay for the air DNA thing, you can look at the occupancy and the revenue it makes per month. But I used to actually purchase that per month. I found it wasn't really super accurate. So I just went away with it. Really, what I really want to see is, are there people actually putting these up in Airbnb? And what is going on with it? So let's, let's take a look at this one. This one looks real nice. So, uh-huh. One thing you want to look for is if they are called super hosts. Super hosts for Airbnb, there's certain criteria. One is they can't cancel any of their reservations. And two, they have to have a lot of booking. So if you see a lot of super hosts, that's pretty good sign that there's something positive going on in that area. And you can kind of take a look at what people are renting out their homes for in that area. So for this one, it's 420 bucks a night. So if I'm looking at, uh, to buy houses around this area, I'm like, okay, well, if I do this, I can make 420 per night. Uh, if I have something that as nice as this. Now, if I don't, let me go back real quick. So let's say, let's take a look at this one. Draze place. All right. Draze place. This is 111 bucks a night. Let's see what the competition would potentially be in this area. So this is just an apartment. I mean, look at this. I mean, it says really nothing to it. Pretty bare bones. I mean, you can go on there and if you had like a house with a lot more space, you'd be making, make a killing in this area. So definitely this is one of those things I'd look at and go, okay, this is not a bad area to invest into as far as Airbnb. Now, what you want to look out for is if people's rates, you start to look at it over, you know, the next days, weeks and months, you sort of see it like these daily rates just drop and drop and drop. That means that they're not having anybody actually purchase their place. So if you're looking at something like this, you're like, okay, like this one here, I've checked this out before, it's always been around 300. Actually, it did fall down in the coronavirus era in March and it went down to like the, the, the 200s, 220s, but then it shot right back up in a couple of months, just like our place did. So right now they're doing pretty good. And you've got other ones over here. I mean, you can just take a, you know, gambit. So what's great about this is to take a look at wherever your area is, make sure that there are people actually renting on there. And then of course you can, if you want to get this rental property, like we're talking about here, you can always just find a real estate agent and go, Hey, I'm looking for something in this area. What can you find me? And then just do the comparables about what's going on. So that is essentially how we look for properties to see if they are a good fit for Airbnb and VRBO. And real quick, I haven't really talked much about VRBO, but VRBO is vacation rental by owner. And we put our houses on both of these platforms on Airbnb and VRBO. And it seems like we, it's, it's, it's a craziest thing. It's the exact same home that we have, but we put, we listen on VRBO for a higher price and usually people will pick it up on VRBO and they have no problems paying the higher price. And we believe what it is, is that with Airbnb, it's more of a younger crowd, younger generation, maybe people maybe not looking so much for a whole home, maybe they're just looking for a place to stay, like, like a room to rent, which they do have that in Airbnb. But VRBO, it's a little bit more just the entire homes and vacation rental places. So you have an older crowd of people with a little bit more money and they're like, yeah, we'll pay for it, especially if it's a nice place. So those are two options to put them both on there and they work fine. And also there's a lot more to discover about how to make a short term rental for Airbnb and VRBO. And these are the two best resources that we looked into when we first started our journey with Airbnb or the short term rentals. And they were two YouTube channels, they're 100% free and they are fantastic. So these two YouTube channels will teach you the basics, like setting up a guest guidebook, scheduling the cleaning crew, setting up your Airbnb account and the right descriptions, pictures and settings, how to deal with legal issues such as damaged or broken items and like a ton more. So these two guys, their philosophies are very different. Richard here, as you see right here from Short Terminal University, he's in line with me and believes that you should actually own the property that you're renting. And this gentleman over here, Stephen, he believes that you should rent the house from the owner and then sub-rent it on Airbnb. Now, I don't like that method because Stephen here got caught short during the coronavirus when he had a lot of or very few people were traveling and he had to pay the rent for all the homes he was renting because he has over like 150 different places that he rents and then sub-rents out. So that is just one option. And again, I don't really like it too much, but he's got a lot of great information as far as like how to take the best pictures and how the descriptions and things like that. And then Richard over here is more of a conservative reserve type of person like myself, who's just like, you know what? You know, get the actual property, make sure that you own it because there is a great tax advantages. And then it's just a appreciating asset, which I firmly believe in. So I will link those in the description below. So this all sounds great. And I've given you all the resources I use to learn. But here are some of the hard lessons we learned along the way. So consider this like your shortcut section. I call this the Airbnb VRBO issues that most everybody comes across. And the first one is the big one, HOA restrictions. So homeowner association restrictions. So when you're looking for all these homes and all these places to call your own as an investment property, make sure that you talk to the real estate agent and say, what are the restrictions for homeowners associations? Some places have it very strict where they say there is no short term rentals and they will even mention Airbnb and VRBO by name. So if that is the case, you cannot get a short term rental investment property, only long term rentals. And that's your thing. Sure, go for it. But just make sure you check with the agent that you're working with as far as buying homes, because if you don't, you just bought a place and you're pretty much stuck with long term, you cannot get out of it. And good luck fighting them on that because you will not win. They have a ton of money in lawyers and they will just crush you. So don't even go that route. And the next part here I call house parties. And this is one of the things that we've solved, which was I mean, you can't 100% solve it, but people will rent your place and have a blowout party and destroy everything and then off they go. Now, with both of the platforms, they they get your information. They get your driver's license. They get a credit card. But of course, if you have a credit card that expires, what are they going to do? So what we always do is if you live in the town where we have the house and you want to rent that house, we will not allow you to do that. And that's one of the criteria that we set forth in the settings for Airbnb and VRBO and again, just watch those those two YouTubers. They'll tell you exactly how to set that up. And if that ever happens, as far as like people say, oh, but, you know, I live in Houston and I just want to say that because of my sick mom. Nope, sorry, go find someplace else because we've been victim of that and we will not let that happen again. The last one is the most interesting one and this is low occupancy. And this kind of hits us from time to time. Now, the first thing that to look at is your pictures on Airbnb. Did you see how beautiful and professionally down the ones were on the very first home as opposed to that little apartment on our second one? That first one was like stellar. So I cannot stress this enough pictures make a huge difference. It's just like the thumbnails of my YouTube videos. If I don't make a good thumbnail, no one's even going to check out the video to see if it's good or not, or if it sucks. It was like, well, it's just a crappy thumbnail. I'm not going to watch it. So the same thing with the pictures on your Airbnb and VRB profile. Also, the things get real bad as far as occupancy, like another pandemic or a recession, depression where people are not traveling whatsoever again. Just know that people will still need a place to call home. Even in 2008, 2009, with the housing market bubble crash, people couldn't afford their expensive mortgage payments because they overextended themselves, but they still needed a place to live. So they rented lower cost homes or apartments. So you're welcome to purchase a $75,000 home or a million dollar home if you can afford it with your crypto loan. But I generally stay away from expensive mortgages for this exact reason. If you don't make it work on Airbnb, you can always go from short term rental to long term rental because people will always need a place to stay. And it is an appreciating asset and it just builds. And of course, all the different advantages of doing it that way. So you really can't lose here. Well, I mean, you can lose. I shouldn't say like that. But just be aware of these three things. Also, continue on with low occupancy, even though Corona or the coronavirus ravaged the US and the hotel and travel industry in general took a huge hit. Us as people on Airbnb, we only saw an initial reduction in March and April when people were like scare other minds about the virus. But only about three months later, we were practically back to where we were in occupancy. So the reason was that people still had to travel for work or they needed to be another city for one reason or another, traveling work or something like that. And a lot of them didn't like to stay in hotels for a variety of reasons. And that's why where Airbnb wins out. So even though there's sometimes a slowdown, it will usually pick up back up because people need a place to stay. And again, if it really collapses, then the worst case scenario is that you get somebody there in long term and they pay the rent and the mortgage and you have an appreciating asset. OK, so now we know the basics such as doing our research as to investment properties for short term rentals and some things to avoid. So now let's get down to how we can use our digital assets and take out a crypto loan as a purchase. So as we looked at yesterday, the longest learned loan term as of December 2020 is a 36 month, which is brought to you by Celsius. This means that this rate of interest is locked for three years and unfortunately, three years only. So what happens after that term is up? Well, legally, they can raise it. So I just want you to be aware as mortgages. Mortgages are typically between 15 and 30 years. What can you do? Well, what I'm doing is I'm taking out a crypto loan for the down payment on the investment property and using a traditional bank to finance the rest over a 15 year timeframe. So I won't take 15 years to pay off the loan, as I will always pay ahead. Just make sure that the loan with the bank has no pre payment penalties. Make sure you ask them about that to be clear. You can't take out a loan for the down payment. So that's 20 percent has to come from somewhere. And I don't want to cash on my crypto and pay 30 to 45 percent in capital gain stacks. That's just call me crazy. It's just not my thing. So as a point of reference for a homestead or primary residence loan, your down payment is very low at one to 3 percent and sometimes nothing at all if you qualify. However, we are purchasing an investment property and the down payment in the U.S. is usually 20 percent down. This might be higher or lower in other countries, but that's what we have here. And the reason for that is that mortgages with lower down payments generally require mortgage insurance and it's next to impossible to find mortgage insurance for investment properties. Also remember what I talked about as far as margin. So if we take out a loan and all of a sudden the cryptocurrency market goes down, we have to recolateralize. So you must keep in mind that crypto goes in cycles. So whatever you have in crypto as of right now, December 2020, we'll most likely go up in 2020 and not everything is going to go up in 2021. But for the majority, if we look at cycles, it usually does. And then we'll retrace in 22 as it had before. So this is what I like to call having all-time high dip and then retrace or space. So there was a having in 2012. You had an all-time high in 2013. You had a huge dip in 2014. This is for Bitcoin going across the board. And then in 2015, you had a little bit of a retracement. And then the whole process started again. Having in 2016, all-time high in 2017. In 2018, you had a huge dip down 73 percent. In 2019, you had a space. Then in 2020, we had our having. And that's why we expect 2021 to be a monstrous year and one of the biggest years for a cryptocurrency. So that will be all our all-time high. And if history holds true, that means in 2022, we will have a massive dip in 2023 every tracement. So just make sure that when you're doing these types of loans that you have everything factored in. And what I mean about that, I mean, I would not recommend you take out any loans when things are going parabolic. Because you'll just have to put more money in when things crash. So in 2017, if you would have rode Bitcoin all the way up to the top around 17,000, 18,000, going rich and just take out loans against that in 30 days, you would have had you would have been wrecked because your margin would have been slashed like crazy. So just keep in mind the time frame that we're talking about here. And that's why I always recommend to pay off your loan as fast as possible. So for the down payment, pay it off as fast as possible, or at least as low as you can, as fast as possible. This takes discipline, but it's what I plan to do. And I'm pretty sure that we can all do that if we work towards that goal. And this is what I talk about as far as making the loan work for you and not the other way around because we're going to use our short term rentals in Airbnb and VRBO to help us pay off those loans as quickly as possible. So just like we talked about, you can make some some massive payments to your loan based on how well you rent out your investment property. And that's how we make the loan work for us and not the other way around. So let's take my real world example. What I'm doing is purchasing an investment property in Houston, Texas that cost a hundred and sixty seven thousand five hundred dollars. Now, the offer was just accepted last week. Obviously, a home in Los Angeles, California, our parts of New York won't get you anything for this price. But in Texas, it's a different story. As well as throughout the entire globe. Now, I'm sure in like a place like Costa Rica, I can get a mansion or so. Jerry tells me anyhow, twenty percent of one hundred and sixty seven thousand five hundred is thirty three thousand five hundred dollars. So we need thirty three thousand for the down payment. Now, I actually sold a little bit of Bitcoin just a bit ago. And I actually sold to be exempt zero point to Bitcoin or four thousand dollars. And I'll be using those profits to put into my down payment, which means I only need twenty nine thousand five hundred. So let's look at the four lending platforms to see how that compares and which would be the best fit for this example. So here we are with Celsius and just has the default of five thousand dollars. So let's just kick that up a notch and go to twenty nine thousand five hundred and see how much collateral we're going to need. We're going to need one hundred and sixty two Ethereum if we want to get the APR one percent. Well, maybe we don't have one hundred and sixty two Ethereum. So let's take a look at if we just need, you know, a three X set up a four X and we need one hundred and twenty two Ethereum. And yeah, just to get twenty nine thousand five hundred. Let's just of course, the APR three point nine five, which is still pretty good. I mean, one percent is like outrageously fantastic. Thirty three percent. OK, four percent. And if we're looking at just the collateral to put up essentially double what we need. So instead of having twenty nine thousand five hundred, we have we the collateral is eighty one Ethereum, which is roughly around fifty eight thousand dollars as of today, December twenty nine, twenty twenty. And the APR is seven point nine five percent. So that is what we're looking for. Now, the interest when paid in cash, I might mind you, is only one hundred seventy two dollars. And that's pretty good. But you have to remember, this is only for the long term of six months. So if we can pay back twenty five hundred and six months, that'd be great. Chance of that happening just for our rentals. Probably not going to happen. Let's take a look at what it'd be like in twelve months. Well, we're going to pay twenty three forty five. OK, so that's in a year. Let's say two years, forty six ninety. Let's say three years. Now we're looking at seven thousand dollars essentially for the interest to be paid over three years. If we put up eighty one Ethereum and have it locked into place and we have or we need twenty nine thousand five hundred for the down payment. So if you think about it, these are the worst terms you can get with Celsius, about eight percent, fifty percent loan to value ratio at thirty six months. And we're looking at again, seven thousand dollars with interest. Let's take a flip side of that. Let's say that we say, you know what, forget it. We just want to just cash out our theorem because we need that down payment for our investment property. If we needed that much, we'd need about forty Ethereum, forty Ethereum, which right now the cost is around seven twenty dollars. You're looking at around twenty eight thousand twenty nine thousand dollars somewhere around there. So forty Ethereum is what it would cost. If you did that and had to pay capital against tax, you're looking at around forty forty five percent, depending on what state you live in. And that would be, let's just say half, half is a pretty good number. Pretty easy to remember. So half of twenty eight thousand is fourteen thousand. So in reality, if you get the worst rate here, you are still ahead just by doing with the the crypto loan. And what is also fantastic about this is when you pay it off in three years, how much do you think your Ethereum is going to be worth in three years, as opposed to if you cash it out and then you still have to pay more. Then that's the big problem. And I think that's where the real beauty of this of this all lies, is that after two years, three years, four years, five years, whatever you can get a loan for, who knows what it's going to be like in the future, is that you still will get your original eighty one Ethereum back here. And maybe if you believe what I believe that Ethereum is going to be worth ten thousand dollars, maybe you're going to get back eight hundred and ten thousand dollars worth of Ethereum, just a thought, just something to take a look at. So remember, that's pretty much the best right there because if we're looking at loan to value, if we go 33 percent, which is which is a three X or two X, you know, APR ranges between one percent, four percent, and at the maximum eight percent. So let's take a look at the other three and see what we got on that end. So the next one is Nexo and starts up pretty good. It's been around for a while and it actually has insurance for what you borrow and it starts out at five point nine percent. So let's break that down APR and see how we can do this. So we're going to go to the borrowing section. So the credit amounts. So let's say that we need, like I talked about, twenty nine thousand five hundred and an Ethereum again, roughly about seventy eight. So roughly about double. So you got a two X, which need collateral. All right. So the next question is, well, what is the APR or what's the interest rate and how is that figured out? Well, with Nexo, it really comes down to how much Nexo you have in your portfolio. So to get the premium five point nine percent, you're going to need at least ten percent Nexo in your portfolio. So if you are requesting twenty five hundred, you're going to need seventy eight Ethereum, plus you're going to need ten percent of that amount or ten percent of sixty thousand six thousand dollars worth of Nexo. So sure, the next tier is if you have only five or ten percent eight point nine, one to five is eleven and then the base is twelve percent. So that is how Nexo does it. And also the Nexo terms only goes up to one year. Only Celsius really has 36 months as the longest Nexo, BlockFi and crypto.com are all the same. Speaking of which, let's take a look at BlockFi. So BlockFi, again, has been around for a little bit and we're going to take a look at the borrow and hold. So we click on that and let's enter the alone amount. Again, we're going to need twenty nine thousand five hundred. So in Bitcoin, you need two point five one. Let's take a look on that ether. So ether need a little bit more actually nine eight ninety eight ether. So that would be about two and a half back somewhere around there because right now it turns around seven twenty dollars. OK, so let's get our rate and see how that is calculated. So all right. So it takes you to this section right here, twenty nine thousand five hundred and Ethereum actually had raised it up. The collateral amount is one hundred and sixteen, so that's almost three X. This is the monthly payment. I think that is only for the interest and loan to value is going to be 35 percent. I can't change that and interest rate is around seven point nine percent. So that is what you're getting with BlockFi. Essentially, it's pretty much in stone and we did another video where we take a look at the parameters and just didn't look so great. So that is BlockFi. Our last one is crypto.com and this one is pretty simple. They do it very easily. They say, look, if you want, let's say 30,000 actually, excuse me, if you deposit around 60, then you can get around twenty nine thousand five hundred. And here's your rates. It's either eight percent or 12 percent. The only way that that works out is if you buy the crypto.com token and you have twenty five thousand or more, you will get the eight percent rate. If you have less, you're going to get 12 percent. So again, right now, the crypto.com coin is like a nickel. So that's like a twelve hundred bucks around there. So if you have that state, I'm going to give you the eight percent and you only need double, but it's still a it's still a percent interest rate. So in this situation, in all honesty, really, it's going to be Celsius. This probably has the best rates, depending on the collateral that you can get. And remember funds that you get for this down payment can from be from a variety of sources. It can be from from your bank account plus any kind of crypto that you do sell plus a crypto loan all put together. And here's your option. The big thing is is not to sell your crypto if at all possible, because in another year, two years, ten years, it could be worth a lot more. So go ahead and this is what I would be. I will be doing for the property in Houston. And that is how it is. Now, one thing to note is that when you take a loan, you no longer accrue interest. So if I wanted to put up one hundred twenty two three, which I do not have, I will not be accruing interest on the Celsius Network. And that's pretty much how it is across the board. So how that breaks down is if you're getting five percent interest on Bitcoin and you have one Bitcoin and Celsius, that's that's $1,400 per year or about one hundred and sixteen bucks a month. But just to note that if Bitcoin goes to one hundred thousand, then at five percent yield, you're earning five thousand dollars per year or four hundred and sixteen dollars per month. So just be aware. So in my opinion, this is what I'm doing. I'm breaking everything up. I personally won't be taking out all my crypto loans. That would be crazy, but I will diversify. I will leave some in these interest bearing accounts. I will be cashing out a little bit here and there and putting into other endeavors. I will be taking out crypto loans and spreading it all about. So I don't have to actually sell all my crypto. And I just feel like a little diversification really could go a long way. And it's why I try to get multiple streams of revenue to kind of mitigate the future risk. All right. So that is it. Let's jump out of here into the office and wrap this up. So I hope that made sense. Look, short term rentals, property, it's not for everybody. It's it's complex and there's a lot of moving parts to it. But remember, it is a appreciating asset and it's something that you can leave your kids and your grandkids. And as far as, you know, short term rentals, I think it's the way to go. Just make sure you don't fall into those pitfalls that we talked about in the very beginning for like the Homeowners Association type of issues that comes up, low occupancy and the other things that we talked about. And of course, now for the crypto loans, just go that way. So tomorrow we'll take a look at a different section. We're going to talk about Amazon FBA, which I think is probably a little bit more correlated to crypto loans. But again, only time will tell. I like to diversify what I do and just not have all eggs in one basket. So hope you like that video. Let me know what you think of the comment section below and we'll see you on the next one.