Estimates only, based on the inputs above. Actual loan terms, taxes, and costs vary. Let's run your specific deal together before you make an offer.
The framework I actually walk investors through, in order, before their first (or next) rental property purchase.
If this is your first investment property, buying a duplex or triplex and living in one unit is the lowest-risk way in, owner-occupant financing, lower down payment, and you learn landlording with a safety net. Read the full guide →
Know your target cash-on-cash return and monthly cash flow minimum before you ever tour a property. That way you're evaluating deals against a standard, not falling in love and rationalizing the numbers afterward.
Investment property loans have different qualification requirements than owner-occupant loans, often higher down payments and rates. Knowing your real numbers upfront prevents wasted time on deals you can't actually close.
Your first property should be able to stand on its own with positive cash flow. Appreciation is a bonus, not a plan, especially while you're still building your reserves and experience.
Once a property is stable, use its equity and cash flow to fund the next one, refinancing or a cash-out strategy (often called BRRRR: buy, rehab, rent, refinance, repeat) can accelerate this without needing new savings from scratch every time.
An agent who understands investment numbers, a lender familiar with investment financing, and eventually a property manager. This isn't a solo sport, and the right team is often the difference between one property and a real portfolio.
Bring me a property you're considering, or let's talk through where to start looking.
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