All Forum Posts by: David Ojo

Absolutely, I'll send you a message about my experience.

Hey@Mathew Kires! I'm an investor based in Baltimore (STR & BRRRR). I also use a mix of business credit and hard money for my projects. How has the experience been for you so far? Happy to compare notes.

Hello@Nestor Pimentel. I can send a referral. Send me your email address.

Hey@Jonathan Grzeszczyk my investments are in the Baltimore area, but you're definitely on the right platform to find a mentor. When I was getting started, I watched a ton of real estate podcasts on YouTube there's a wealth of knowledge to be gained from YouTube University!

As for financing, focusing on saving while learning is smart, but also take time to research creative strategies. One powerful method is leveraging business credit cards to purchase and renovate properties at 0% interest and zero down payment. I've honed this strategy and would be happy to share more if you're interested.

Welcome to the creative world of real estate. Keep networking and learning, and you'll find your way in!

Wow, $700 in cash flow on your first deal is amazing. congrats! Sounds like you've got a solid foundation and a smart approach by focusing on stabilizing this rental before scaling. Pacing yourself is key, especially as you get hands-on experience managing maintenance and tenant dynamics.

Since you have a strong W-2 income, you're in a great position to leverage creative financing options as you grow. Zero-percent business credit lines can be a great tool to fund renovations, repairs, and even serve as gap or bridge funding when working on a BRRRR deal. That way, you can preserve more of your capital while scaling efficiently. This strategy has worked well for me personally.

You're on the right track, keep refining your strategy, soaking in the experience, and scaling at a pace that aligns with your goals!

Hey! I think you might be referring to Obie Insurance? If so, I'm actually insuring two rental properties with them. They don't charge an arm and a leg, and my experience with them has been pretty great so far. That said, I haven't had to file a claim yet, so I can't speak to that part of the process. 

Hello @Duane Williams
Scaling from 8 to 20-30 flips is an exciting challenge, and you’re right—access to the right funding is key. I’ve been in a similar situation where traditional hard money lenders limited deal flow, so I had to get creative.

One strategy that worked well for me was leveraging 0% interest business credit lines for 12 months, which allowed me to fund multiple deals at once without relying solely on a lender’s timeline. I also tapped into portfolio loans and private lending networks to secure more flexible financing options.

I’d be happy to share more details on how I structured these financing strategies—especially ways to access funding without upfront capital or limitations on deal volume

Hey @Mark Boyd!
Have you considered other creative financing options instead of tapping into your home equity? There are ways to invest in real estate without using your own cash upfront. I personally used business credit cards to BRRRR a deal—no money came out of my pocket. Once I refinanced, I paid off the credit card and kept the property. It's a strategy that allows you to leverage funding without putting your home at risk. Happy to share more details if you're interested!

Hey @Brad Tooley

It’s great to hear that you’re planning ahead and doing your research before jumping into your first deal—that’s a smart approach! Before getting started, I’d recommend focusing on three key areas:

1. Strategy Selection – Understand the different investment strategies (BRRRR, short-term rentals, etc.) and determine which aligns best with your goals.
2. Market Research – Study the market you want to invest in, including property values, rental demand, and economic trends.
3. Laying the Foundation – Take proactive steps now that will set you up for success later. This includes networking, learning from experienced investors, and strengthening your financial position.

If you're starting with limited capital, setting up an LLC and building a strong credit profile (700+ FICO) can open up financing opportunities. With good credit, you can leverage business credit options. Personally, I used a business credit card to fund a BRRRR deal, securing over $90K in credit with just an LLC and a solid credit score.

There are many creative financing strategies available, so don’t let capital be a barrier. If you ever want to discuss specific steps or options, feel free to reach out!

Wishing you success on your real estate journey!