Scaling Rentals Without Relying on Your 9-5 Income?

[Kelly Schroeder]

Hey landlords,

For those of you who have scaled beyond just a few doors — how did you handle financing?

I’ve been hearing more about loan products that base approval on the property’s income instead of personal income. From what I understand, this could make it easier to pick up that 5th, 10th, or even 15th rental without your W-2 being the main factor.

Have any of you used this type of loan before? Did it help you grow your portfolio faster, or were there trade-offs you wish you’d known about?

Would love to hear how others in the community approached this stage of scaling.

[Eric Gerakos]

I would focus more on collecting money, not rentals.  They're not the same thing.