New Investor - Seller Financing, Private Equity, and Hard Money!

[Troy Little]

Hello everyone,

My name is Troy Little and I am a new realtor and investor in Buffalo, NY. I bought my first house hack (Closed March 16, 2025) with a 4 unit in North Tonawanda using a FHA and full seller concessions with the three tenants covering my mortgage. I am getting ready to buy my second property. I will then claim the income (minimal write offs) this year to increase my income to atleast cover the increased debts and purchase another two properties in 2026 (will be reassessing at the end of the year to make sure it still makes the most sense)

I am now interested in learning more about seller financing, private equity, and hard money loans so I can scale at a faster rate. I will be growing down the east coast and am open to investing anywhere in the U.S. for the right properties.

Can someone help me further understand the intricacies of these processes so I may make sure I have not overlooked anything? 

Is there anyone who would be willing to mentor me and/or fund future deals for the right equity split or rates?

Thank you everyone in advance!

[Troy Little]

@Matthew Irish-Jones thank you for the advice! I have sat with multiple lenders and investors to create a realistic plan through 2027. I am in the process of getting my second property right now and am estimated to get another 2 next year, then 1 in 2027 while focusing on building equity in the first property. Me and my partner are working on it together and utilizing FHAs (1 each per year, with all Capex, maintenance, repairs, property management costs even though it's us, and all expenses taught in the BP 4 square method accounted for.) I really like to create step by step future plans while current plans are in action so that when I get to that point I'm ready and just need to make adjustments depending on how things are going.