I wish I known about BiggerPockets earlier it would’ve put me in a much better place.

[Ofir Anidjar]

Hey my name is ofir anidjar,

At the end of 2019, I got my first rental to arbitrage into an Airbnb in Fort Lauderdale. It was great! In fact, I went from one to five properties using the same rental arbitrage model by 2022. I focused on shared-room "hostel-style" listings, which became my niche since that's my personal preference when traveling solo—it's the best way to meet people and get the most out of the experience.

By the time I got to the fifth property, I was stretched as thin as humanly possible. I made the critical mistake of depending solely on Airbnb. Once I got banned from the platform, everything started to spiral. Around the same time, I faced a serious health crisis that led to a liver transplant and ultimately bankruptcy.

Now, I’m ready to get back into the game—this time with all the hard lessons I’ve learned. I currently work as a remote leasing agent (W2) making close to $40K annually. I’m still in my first year, but I’m looking to relocate to either Texas or Tennessee because I love both states and the markets seem strong for arbitrage.

Given my bankruptcy in August 2022 and my short employment history, I know I won't qualify for a mortgage anytime soon. That said, I'm focused on lowering my DTI by renting a house to legally arbitrage again (with permits, as I did before), but without expanding into multiple units—just renting per room.

The reason I’m sharing all this is to ask:
Are there any creative financing options I could explore given my current situation?

[Tenzapa Wakombe]

Hey Ofir — love the hustle and the comeback mindset. You’ve been through it, and you’re coming back smarter. Here’s the game plan, short and sweet:

1. Master Lease It (Keep Arbitraging, Just Smarter):
Stick to the rental-per-room model you know, but with written permission. Pitch it as a win-win to landlords: they get stable rent, you handle the rest.

2. Creative Financing (No Bank Needed):

• Seller Financing – Some owners will let you pay over time. No credit check.

• Lease Options – Rent now, lock in a price to buy later.

• Partner Up – You handle the ops, they fund it. Split profits. You’re not just the operator, you’re the asset.

3. Build Business Credit:

• Form that LLC.

• Set up vendor accounts (Uline, Quill, etc.)

• After a few months, you can access business cards for furniture/setup — all without personal guarantees.

4. Play It Smart:

• Keep your W2 for now — it builds your foundation.

• Stay lean. One profitable unit is better than five chaos houses.

• Track everything so your comeback story is also your pitch deck.

Skip This Stuff:

• Don’t scale too fast.

• No shady lenders or high-interest debt. You’ve been burned — keep it clean.

You’ve already proved you can build. Now it’s about doing it smarter, slower, and stronger. Let me know if you want help pitching landlords — happy to help you draft it!