{"id":171360,"date":"2024-05-01T09:55:54","date_gmt":"2024-05-01T15:55:54","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=171360"},"modified":"2024-05-23T04:41:01","modified_gmt":"2024-05-23T10:41:01","slug":"can-you-build-a-real-estate-portfolio-with-zero-interest-credit-cards","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/can-you-build-a-real-estate-portfolio-with-zero-interest-credit-cards","title":{"rendered":"Free Money? Can You Build a Real Estate Portfolio with Zero-Interest Credit Cards?"},"content":{"rendered":"\n\n      <iframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https:\/\/playlist.megaphone.fm\/?e=BIGPOC1611068754\" width=\"100%\"><\/iframe>\r\n  \n\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Juggling 0% interest business credit cards is like juggling torches in a hay-covered barn. Drop one, and the whole place goes up in flames. However, if you are disciplined and know what you&#8217;re doing, they could be a great asset in helping you kick-start your real estate investing career.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Getting a 0% Business Credit Card<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">There\u2019s&nbsp;<\/span><span data-preserver-spaces=\"true\">lots<\/span><span data-preserver-spaces=\"true\">&nbsp;of information online regarding&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/0-apr-cards-home-renovations\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">0% APR business credit cards<\/span><\/a><span data-preserver-spaces=\"true\">. Most offer 0% interest for 12-18 months.&nbsp;<\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\">&nbsp;makes them well-suited for real estate projects that can be refinanced or sold, allowing you to pay back the cards before interest starts to kick in. These cards are relatively easy to get, provided you have good credit and a business entity.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">But&nbsp;<\/span><span data-preserver-spaces=\"true\">don&#8217;t<\/span><span data-preserver-spaces=\"true\">&nbsp;expect to get hundreds of thousands of dollars right away.<\/span><span data-preserver-spaces=\"true\">&nbsp;Once you have used and paid back the initial amounts borrowed, lenders tend&nbsp;<\/span><span data-preserver-spaces=\"true\">to gradually increase the amount they can lend to you<\/span><span data-preserver-spaces=\"true\">.&nbsp;<\/span><span data-preserver-spaces=\"true\">It&#8217;s not unusual to get<\/span><span data-preserver-spaces=\"true\">&nbsp;$50,000 to $100,000 with your first round of funding with excellent credit.<\/span><span data-preserver-spaces=\"true\">&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Because the 0% APR expires after 12-18 months, it&#8217;s not a good idea to keep using the same card beyond the expiry date.&nbsp;<\/span><span data-preserver-spaces=\"true\">Rather<\/span><span data-preserver-spaces=\"true\">, you&nbsp;<\/span><span data-preserver-spaces=\"true\">will have to<\/span><span data-preserver-spaces=\"true\">&nbsp;get a new card to benefit from a new introductory 0% APR. The more borrowing and payback cycles you go through,&nbsp;<\/span><span data-preserver-spaces=\"true\">the more<\/span><span data-preserver-spaces=\"true\">&nbsp;your credit will be extended<\/span><span data-preserver-spaces=\"true\">.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you\u2019re using a broker to help you apply for multiple cards, as I have, talk to your accountant about writing off the broker\u2019s commission and any fees charged for using the cards as cash to make purchases or pay contractors.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">The Painful Pitfalls<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you get several business credit cards at once, I\u2019ve found it difficult to stay on top of each one, especially in the midst of a renovation. Each card needs the principal payment to&nbsp;<\/span><span data-preserver-spaces=\"true\">be paid<\/span><span data-preserver-spaces=\"true\">&nbsp;on time, and if you are a day late, say goodbye to your 0% introductory period. You\u2019ll find yourself paying up to 30% interest. It happened to me, and I could only get some relief when I refinanced the home and paid the card in full.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Using a 0% Credit Card to Build a Real Estate Portfolio<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Investor Rick Matos from Lehigh Valley, Pennsylvania, told&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/count-cash-flow-over-doors\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">BiggerPockets<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;how he purchased entire houses in run-down areas of Allentown using credit cards, which he then fixed up and refinanced into conventional loans. Rick&#8217;s is a classic case study because the houses he purchased were&nbsp;<\/span><span data-preserver-spaces=\"true\">extremely<\/span><span data-preserver-spaces=\"true\">&nbsp;cheap\u2014often $10,000 to $20,000. However, soon after he refinanced them, the area went through a massive cycle of urban renewal and price appreciation,&nbsp;<\/span><span data-preserver-spaces=\"true\">which rapidly increased<\/span><span data-preserver-spaces=\"true\">&nbsp;his rent, allowing him to pay down his mortgages and increase his net worth.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Detroit investor Ashley Hamilton made a similar move, telling&nbsp;<\/span><em><span data-preserver-spaces=\"true\">Business Insider&nbsp;<\/span><\/em><span data-preserver-spaces=\"true\">(a story that also ran on&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/finance.yahoo.com\/news\/real-estate-investor-bought-35-190036279.html\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Yahoo!<\/span><\/a><span data-preserver-spaces=\"true\">) how she purchased 35 units across 30 properties over 14 years with 0% balance transfer credit cards.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Hamilton&#8217;s blueprint is one all investors can follow: She accessed her money via convenience checks provided by the credit card company and deposited the money directly into her checking account. After fixing up and renting out her properties (as with Matos, some of these houses were as cheap as $10,000), she paid off her balance transfer debt with rental income,&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/cash-out-refinance-vs-heloc\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">cash-out refinancing<\/span><\/a><span data-preserver-spaces=\"true\">, or tax refunds. Hamilton&#8217;s advice was to open credit cards that offered cash rewards and the 0% balance transfer rate, thus kicking back cash to help her repay the loan or use it on future projects.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Homes Around $100,000 Are Ideal Vehicles to Scale in Today&#8217;s&nbsp;<\/span><span data-preserver-spaces=\"true\">Market<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Using credit cards to build real estate portfolios sounds like a move from the land that time forgot, i.e., directly after the 2008 financial crash. Back then,&nbsp;<\/span><span data-preserver-spaces=\"true\">low interest<\/span><span data-preserver-spaces=\"true\">&nbsp;rates and burnout from the&nbsp;<\/span><span data-preserver-spaces=\"true\">financial<\/span><span data-preserver-spaces=\"true\">&nbsp;crash left banks looking to offload thousands of homes for pennies on the dollar.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">But while this old-school playbook might seem dated with high prices and low inventory, it&#8217;s not. There are many cities where you can buy decent homes for just over&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/finance.yahoo.com\/news\/housing-market-2024-50-most-110135805.html\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">$100,000<\/span><\/a><span data-preserver-spaces=\"true\">. If you have a card with that much available credit, borrowing the rest of the money to renovate and refinance will allow you to pick up many such homes.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Alternatively, you can do the same thing by getting traditional<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-a-mortgage\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">&nbsp;mortgages<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;(assuming the home needs modest renovations), using a zero-balance card to renovate, and pay it back with the&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/rental-property-cash-flow-analysis\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">cash flow<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;you generate.&nbsp;<\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\">&nbsp;requires expertise and market knowledge to ensure&nbsp;<\/span><span data-preserver-spaces=\"true\">the card can be fully paid back<\/span><span data-preserver-spaces=\"true\">&nbsp;within the 0% introductory period.&nbsp;<\/span><span data-preserver-spaces=\"true\">However, if you are&nbsp;<\/span><span data-preserver-spaces=\"true\">unsure&nbsp;<\/span><span data-preserver-spaces=\"true\">of<\/span><span data-preserver-spaces=\"true\">&nbsp;what your house will rent for, this is not a move I recommend.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Using a 0% Credit Card to Flip a Home<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/guides\/how-to-flip-houses\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">House flipping<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;works similarly to buying cheap homes in depressed markets and fixing them up to refinance and pay off through rental income. However, if you are flipping a house in a more expensive market unless you have&nbsp;<\/span><span data-preserver-spaces=\"true\">a large<\/span><span data-preserver-spaces=\"true\">&nbsp;0% line of credit to purchase an entire home, you&#8217;ll have to be selective on how you use your cards.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This is because some lenders might want to know the source of your funds if you attempt to get a mortgage, and they might balk at the idea that you borrowed money to borrow money. A workaround is to deposit the&nbsp;<\/span><span data-preserver-spaces=\"true\">money<\/span><span data-preserver-spaces=\"true\">&nbsp;into your bank account and let it season for three months<\/span><span data-preserver-spaces=\"true\">,&nbsp;<\/span><span data-preserver-spaces=\"true\">but you<\/span><span data-preserver-spaces=\"true\">&nbsp;are always working<\/span><span data-preserver-spaces=\"true\">&nbsp;against the clock, using up your introductory zero-interest period.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The most obvious way to use 0% credit cards for a flip is to get a regular mortgage on a home and then use the zero-balance card to pay for appliances and renovations.&nbsp;<\/span><span data-preserver-spaces=\"true\">If you intend to keep the house after it has&nbsp;<\/span><span data-preserver-spaces=\"true\">been renovated<\/span><span data-preserver-spaces=\"true\">, you&#8217;ll need to refinance the property or be confident enough that your cash flow will pay back credit cards before the 0% introductory offer expires.<\/span><span data-preserver-spaces=\"true\">&nbsp;Renovations and budgets usually run over, as does the time to market and lease a property, so consider all this when deciding whether to use a business credit card.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">0% Credit Cards and Short-Term Rentals: A Match Made in Heaven<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Zero-APR credit cards are the perfect vehicle for a&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/guides\/the-ultimate-guide-to-short-term-rental-properties\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">short-term rental<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;business. If you have an existing property or are arbitraging one, fixing up the home to make it appeal to vacationers requires expenditures for TVs, beds, and decor. It can amount to a lot of money. However, the rental reward can be huge\u2014<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.airdna.co\/best-places-to-invest-in-vacation-rentals\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">over three times as much<\/span><\/a><span data-preserver-spaces=\"true\"> as a regular rental, depending on location\u2014allowing you to pay off your card quickly and reap&nbsp;<\/span><span data-preserver-spaces=\"true\">high profits.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This is a technique I\u2019ve used myself, and it\u2019s relatively safe if you are sure you can get the rent you need. In my case, I had a lease signed with an arbitrage tenant\u2014we agreed to split the cost of the furnishings\u2014before I spent a penny on the card.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Also worth looking into is installing an&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/accessory-dwelling-units-explained\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">accessory dwelling unit<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;(ADU) next to your STR or primary residence for additional income. These tend to range from<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.angi.com\/articles\/how-much-do-adu-costs.htm#\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">&nbsp;$60,000 to $225,000<\/span><\/a><span data-preserver-spaces=\"true\">. Using cards to buy or renovate and pay back with rent or via refinancing can increase your long-term cash flow.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">A new wave of striking new&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/how-much-does-a-tiny-house-cost\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">tiny homes<\/span><\/a><span data-preserver-spaces=\"true\">\u2014ideal for short-term rentals\u2014have recently come&nbsp;<\/span><span data-preserver-spaces=\"true\">on<\/span><span data-preserver-spaces=\"true\">&nbsp;<\/span><span data-preserver-spaces=\"true\">to<\/span><span data-preserver-spaces=\"true\">&nbsp;the market,&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.fastcompany.com\/3056129\/this-house-costs-just-20000-but-its-nicer-than-yours\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">starting at $20,000<\/span><\/a><span data-preserver-spaces=\"true\">.&nbsp;<\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\">&nbsp;makes them well suited for credit card purchases, as banks won&#8217;t touch such small loans.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Final Thoughts<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you&nbsp;<\/span><span data-preserver-spaces=\"true\">don&#8217;t have<\/span><span data-preserver-spaces=\"true\">&nbsp;the security of a W-2 job or savings as a backup, you are walking a precarious financial tightrope when using zero-interest credit cards.<\/span><span data-preserver-spaces=\"true\">&nbsp;In real estate investing, one thing generally holds: Things never go as planned.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">However, with a monetary cushion and the understanding of how to best deploy zero-interest credit cards, they can be a tremendous asset, allowing you to bypass hard money lenders and build a foundation for financial freedom.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Be warned, though: These instruments come wrapped in yellow caution tape.&nbsp;Indeed, 0% interest credit cards are not recommended if you\u2019re&nbsp;an unorganized person&nbsp;or do not have&nbsp;someone&nbsp;working alongside you&nbsp;who is organized.&nbsp;Neither would I recommend them if you didn\u2019t have a fail-safe bailout strategy such as a&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-a-heloc\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">HELOC<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;or emergency funds should you find yourself in over your head.<\/span><\/p>\n\n\n\n    \n  <div id=\"visibility-group-block_f6833d7e445da31039c4bcb928015482\" class=\"visibility-group  hidden\">\n        \n\n<div id=\"hero-block_f8e22ef2403650b517b12b2ada502d8a\" class=\"first:mt-0 hero-block py-4  alignwide   has-background has-theme-gold-light-background-color has-text-color has-theme-gold-color\">\n    <div\n        class=\" flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 w-full \">\n            <main class=\"py-4\">\n                \n\n<p class=\"has-theme-gold-color has-text-color has-large-font-size wp-block-paragraph\" style=\"font-style:normal;font-weight:800\">Get the Best Loan Today<\/p>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-slate-900-color has-text-color wp-block-paragraph\" style=\"font-size:16px\">Find trusted, <em><strong>investor-friendly<\/strong><\/em> lenders who specialize in your strategy. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div id=button-custom-event-block_cff7bfeb5a954179fc8edc0a2c00665f class='button-custom-event'>\n      <a href=\"https:\/\/www.biggerpockets.com\/business\/finder\/lenders\" x-on:click=\"window.analytics.track(&#039;Blog Block | B2C Marketplace Lender Finder&#039;, {\n      referrer: &#039;https:\/\/www.biggerpockets.com\/blog\/can-you-build-a-real-estate-portfolio-with-zero-interest-credit-cards&#039;,\n    });\" class=\" btn-shape inline-block no-underline has-background has-theme-gold-background-color has-text-color has-white-color\" target=\"_blank\">Find a Lender<\/a>\n  <\/div>\n\n            <\/main>\n        <\/div>\n\n                <div class=\" first:mt-0 relative h-full lg:flex lg:items-center\">\n            <img decoding=\"async\" class=\"object-cover w-full relative z-20 my-0  rounded-md hidden lg:block\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2022\/08\/Marketplace-Blog-Blocks-Lender-v3.png\" alt=\"investor friendly lender, investor friendly real estate loans\" title=\"\">\n        <\/div>\n            <\/div>\n<\/div>\n\n  <\/div>\n  \n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n    \n  <div id=\"visibility-group-block_64dd31c79f00f\" class=\"visibility-group  \">\n        \n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div id=\"hero-block_64dd2875dba9d\" class=\"first:mt-0 hero-block py-4    has-background has-slate-100-background-color has-text-color has-theme-slate-color\">\n    <div\n        class=\" flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 w-full \">\n            <main class=\"py-4\">\n                \n\n<h3 class=\"wp-block-heading my-0 tracking-tight font-extrabold has-theme-slate-dark-color has-text-color has-large-font-size\">Join the community<\/h3>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-theme-slate-color has-text-color wp-block-paragraph\" style=\"font-size:16px;font-style:normal;font-weight:400\">Ready to succeed in real estate investing? Create a free BiggerPockets account to learn about investment strategies; ask questions and get answers from our community of +2 million members; connect with investor-friendly agents; and so much more. <\/p>\n\n\n\n<div id=button-custom-event-block_64dd2888dba9e class='button-custom-event'>\n      <a href=\"https:\/\/www.biggerpockets.com\/signup\" x-on:click=\"window.analytics.track(&#039;Blog Block | Acquisition | Free Membership Signup&#039;, {\n      referrer: &#039;https:\/\/www.biggerpockets.com\/blog\/can-you-build-a-real-estate-portfolio-with-zero-interest-credit-cards&#039;,\n    });\" class=\" btn-shape inline-block no-underline has-background has-theme-blue-background-color has-text-color has-white-color\" target=\"_blank\">Sign Up<\/a>\n  <\/div>\n\n            <\/main>\n        <\/div>\n\n            <\/div>\n<\/div>\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n  <\/div>\n  <\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Juggling 0% interest business credit cards is like juggling torches in a hay-covered barn. Drop one, and the whole place goes up in flames. However, if you are disciplined and [&hellip;]<\/p>\n","protected":false},"author":613725,"featured_media":151334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7406,7119],"tags":[],"class_list":["post-171360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-creative-financing","category-biggerpockets-daily"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/171360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613725"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=171360"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/171360\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/151334"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=171360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=171360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=171360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}