Episode 476

#476: 5% Down Rental Loans: When They Work (And When They Don't)

February 23, 202642m 50s

Audio is streamed directly from the publisher (traffic.libsyn.com) as published in their RSS feed. Play Podcasts does not host this file. Rights-holders can request removal through the copyright & takedown page.

Original episode page

Show Notes

📅 Schedule an Appointment with Bryan → https://www.coachcarson.com/bryan-pod-476

⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-476

▶️ Next Episode: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

Apple: https://podcasts.apple.com/us/podcast/413-dscr-loans-explained-how-to-qualify-without-a/id1448707654?i=1000709881289
Spotify: https://open.spotify.com/episode/2L6FtKOwQzRhRaSjlFTHOd?si=JQjaSeDcRb2INGPokmRJBw

--------------------------

🎬 Topics Covered:

(00:00) - Low down payment strategy overview
(00:56) - 5% down owner-occupied conventional explained
(02:01) - Cosigning strategy and real example
(05:47) - Investor phases and scrappy financing
(06:54) - Repeat annual house hacks to scale
(08:23) - FHA basics and self-sufficiency test
(09:41) - FHA vs conventional: costs and credit
(11:24) - VA loan: zero down benefits
(13:47) - Second home loans with 10% down
(18:35) - Cash-out refi and HELOC mechanics
(20:39) - Risks, LTV limits, and cushions
(24:27) - Using seller concessions to save cash
(28:21) - BRRRR overview: buy, rehab, refinance
(31:23) - Imperfect BRRRR still moves you forward
(32:35) - BRRRR wins: singles to grand slams
(33:58) - Rates impact cash-out and cash flow
(36:19) - Common mistake: ignoring post-move cash flow
(36:37) - Don't neglect reserves; slow down
(37:55) - Avoid emotional buys; follow numbers
(40:41) - How to contact with Mortgage Expert, Bryan Maddex
(42:10) - DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

🎙️ Episode #476 - Is 5% down enough to start investing in real estate? Learn the legit strategies, loan options, and risks you need to understand before making your move.

📄 Show Notes: https://www.coachcarson.com/5percentdownrentals/

--------------------------

ADDITIONAL RESOURCES

💵 Need Investor-Friendly Financing?

This is who I trust → https://www.coachcarson.com/bryan

🏠 TurboTenant – Streamline Your Property Management for Free: https://www.coachcarson.com/turbotenant

📱 DealMachine – Software to help you buy more real estate deals: https://www.coachcarson.com/dealmachine-pod

← All episodes of Real Estate Investing with Coach Carson