What we’re considering: • Pull a HELOC to reinvest and continue BRRRR • Creative house hacks: garage rentals or beyond to generate more than just mortgage coverage • Transition to a rental and lease this house • Buy a duplex (Miami options are in less desirable areas) • Out‑of‑state BRRRR play • Semi‑passive income like franchises Pull a HELOC to reinvest and continue BRRRR Creative house hacks: garage rentals or beyond to generate more than just mortgage coverage Transition to a rental and lease this house Buy a duplex (Miami options are in less desirable areas) Out‑of‑state BRRRR play Semi‑passive income like franchises What we’d love to hear: • Experiences mixing BRRRR with house hacking at scale • Advice on managing a franchise alongside investing • Tips on evaluating markets (Miami vs out‑of‑state) • Any go‑to threads, tools, or groups for this hybrid strategy Experiences mixing BRRRR with house hacking at scale Advice on managing a franchise alongside investing Tips on evaluating markets (Miami vs out‑of‑state) Any go‑to threads, tools, or groups for this hybrid strategy Thanks in advance!

house hacking BRRRR small multi family can for sure build your portfolio and be done at scale. you could do both at once with the HELOC if you have other funds. I've grown a 70+ door portfolio BRRRR'ing in just 3 years. the creative hybrid method is what I think can be done at scale. buy one BRRRR with the Heloc and every year move to a new small multi family BRRRR with low money out of pocket. as your capital grows you can grow faster and faster

Hi Ricardo, House hacking is probably the lowest risk and least barrier to entry. Especially if you can lower your out of pocket expense by house hacking it because both a personal saving and investment. However, it's not really scalable as you would be doing 1 a year max. If that reaches your goal then it makes sense to just stick to it. BRRRR has the most upside in the shortest period of time and if possible it's easier to do in-state. I personally do out of state because I can't cash flow in Los Angeles, but I know Miami is still not out of touch for making BRRRRs make more sense without adding ADUs.

The property you are considering pulling a HELOC vs renting out what would be the breakdown of numbers(equity, cashflow)? I would lean on moving out of the place to rent it out and house hack another place. HELOC is not a bad idea but if you are newer moving into another house hack is simple. Out of state BRRR and franchises are a different beast. I would stay focused locally. Down the road sure you can explore but don't get distracted by a million different things.

Hey Ricardo, Great mix of strategies you're exploring. I'm an investment real estate agent in Philadelphia and work with a lot of clients doing BRRRR and house hacks here. Combining the two works really well with small multis — live in one unit, rehab the others, then refi and scale. In Philly, there are still solid BRRRR pockets (West Philly, 19143/19121, parts of North Philly) if you're sourcing right. Out-of-state can offer better cash flow, but it’s all about building the right local team. There’s a solid community in the “Out-of-State Investors” and “BRRRR Invest” FB groups too. Happy to connect if you want to dig deeper into Philly deals or compare options.

Updated about 1 month ago on 07/24/2025. Most recent reply

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Ricardo PostigoPoster

BRRRR - Buy, Rehab, Rent, Refinance, Repeat

Strategic Miami Family: Continuing BRRRR + House Hack or Franchise Next?

Ricardo PostigoPoster

Posted July 17, 2025 08:09

What we’re considering:

Pull a HELOC to reinvest and continue BRRRR
Creative house hacks: garage rentals or beyond to generate more than just mortgage coverage
Transition to a rental and lease this house
Buy a duplex (Miami options are in less desirable areas)
Out‑of‑state BRRRR play
Semi‑passive income like franchises

What we’d love to hear:

Experiences mixing BRRRR with house hacking at scale
Advice on managing a franchise alongside investing
Tips on evaluating markets (Miami vs out‑of‑state)
Any go‑to threads, tools, or groups for this hybrid strategy

Thanks in advance!

Miami, Florida

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