#476: 5% Down Rental Loans: When They Work (And When They Don't)
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#476: 5% Down Rental Loans: When They Work (And When They Don't)
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Narrated by:
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By:
📅 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
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Apple: https://podcasts.apple.com/us/podcast/413-dscr-loans-explained-how-to-qualify-without-a/id1448707654?i=1000709881289
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Spotify: https://open.spotify.com/episode/2L6FtKOwQzRhRaSjlFTHOd?si=JQjaSeDcRb2INGPokmRJBw
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🎬 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/
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ADDITIONAL RESOURCES
💵 Need Investor-Friendly Financing?
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💰 Invest in real estate with your retirement account → https://coachcarson.com/heritage-pod
🏠 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