All Forum Posts by: Ken M.

As a seller, I am willing to offer seller financing on all of my properties in Connecticut to help increase affordable housing 

I’ve been running into a lot of investors lately who have good credit, a stable income, and want to build a rental portfolio — but not much capital to get started.

What’s interesting is that many of them could qualify for hard money or short-term leverage, but they either don’t know how to structure the deal safely or they’re unsure how to roll that into long-term financing without getting stuck.

I’m curious how others here approach this:

• Have you helped (or been) an investor who started with good credit but little cash?

• What creative financing structures actually worked long-term?

• Any pitfalls to avoid when trying to scale this way?

I’ve been involved in a few projects like this and have seen both success stories and some pretty rough lessons learned, so I’d love to hear how others are making it work in today’s market.

Hi everyone! I live in San Diego (out east in Ramona), and I'm curious what you all would say about investing here. I'm a newbie, and I keep hearing to invest locally when you first start out.

I also keep hearing how tough the market is here. I need to have at least moderate cash-flow. I'll be doing a 1031 exchange, so I have a big chunk to put down, and was thinking of looking for a 3-4 multi-family. Would you recommend that focus on certain areas on SD, or maybe lookin more at the Inland Empire, like Riverside or Ontario?

Thank you in advance! ~Rose

Most new investors hit the same wall: they want to start buying rental properties but don’t have a lot of capital for a down payment. The good news? You don’t actually need it.

With the right financing strategy, you can purchase rental properties with zero money out of pocket at closing.

How It Works

If you have a 700+ credit score, you can qualify for a loan that:

• ✅ Covers your down payment (so you bring $0 to closing)
• ✅ Includes your renovation budget (funded through draws)
• ✅ Gives you 100% ownership of the property from day one

Why It’s a Game-Changer

Traditional real estate investing usually requires:

• A large down payment
• Months or years of saving before you can even start
• Having one rental takes time to get your money back

This strategy eliminates those barriers. Instead of waiting, you can begin building a portfolio and generating passive income right away.

Who Can Benefit

This model is perfect for:

• New investors who don’t have a lot of upfront capital
• Experienced investors who want to scale faster
• Anyone with a 700+ credit score who’s serious about building wealth

Take Action

The biggest mistake in real estate? Waiting too long to start.

If you’ve been sitting on the sidelines, now is your chance. We help you overcome the hardest part—getting into your first rental.

***WE ARE NOT A LENDER. WE DON'T CHARGE ANY FEES TO WORK WITH US***

👉 Ready to learn more? Visit PropertyOasis4u.com

Most new investors hit the same wall: they want to start buying rental properties but don’t have a lot of capital for a down payment. The good news? You don’t actually need it.

With the right financing strategy, you can purchase rental properties with zero money out of pocket at closing.

How It Works

If you have a 700+ credit score, you can qualify for a loan that:

• ✅ Covers your down payment (so you bring $0 to closing)
• ✅ Includes your renovation budget (funded through draws)
• ✅ Gives you 100% ownership of the property from day one

Why It’s a Game-Changer

Traditional real estate investing usually requires:

• A large down payment
• Months or years of saving before you can even start
• Having one rental takes time to get your money back

This strategy eliminates those barriers. Instead of waiting, you can begin building a portfolio and generating passive income right away.

Who Can Benefit

This model is perfect for:

• New investors who don’t have a lot of upfront capital
• Experienced investors who want to scale faster
• Anyone with a 700+ credit score who’s serious about building wealth

Take Action

The biggest mistake in real estate? Waiting too long to start.

If you’ve been sitting on the sidelines, now is your chance. We help you overcome the hardest part—getting into your first rental.

***WE ARE NOT A LENDER. WE DON'T CHARGE ANY FEES TO WORK WITH US***

👉 Ready to learn more? Visit PropertyOasis4u.com

Hi there, 

I am real estate broker for 1st Class Realty ALL PRO serving the Lake, Mchenry, and Cook counties of Illinois. 

Home is is Grayslake,IL 

An old referral cam back to me in financial trouble and I wanted the bigger pockets communities take on it. 

-ARV is about $515k-520k.

-Seller did a  successful loan modification where as of Aug 2025 they will reinstate his loan at $74,783.53

-Current balance is: $308,992.35

Total debt is: $383,775.88

First new payment is due 11/1/2025 which he will not be paying. 

monthly payment went from $2568 to $3737. 

In order to make this a $515-520k home he will need to put $15k-17k in rehab. The seller took out the stairs to the 2nd level with hopes of replacing them himself but never did. I cannot sell this to a retail buyer unless a fha 203k loan is implemented and the list price would come done. 

He is wanting to walk away with money without having to do a short sale and profit something when the property sells. 

Any advice would be appreciated!

Matt

I fear rates dropping to the 3% level.  I can't imagine the price spike we'll see as another buying frenzy takes hold.  Any savings a 3% mortgage offers will be more than offset by the price surge.

I understood what you meant and my response remains the same. You have a poverty mentality and are trying to do things on the "free" without knowledge. I understand why you think that way, but in real estate it isn't efficient, especially in a market like this.

I would not try flipping with someone's free advice. I'd look at their number of flips, how they bought, how much they made and then look at what they have to offer. 

Free advice comes from people who made no money on their flips.

But, we all must learn that by experience, apparently. 

Before you buy a property, figure out what it would sell for 6 months from now, all fixed up, subtract cost of sales, taxes, carrying costs, time, concessions, contractors who don't show and so on. Know how much profit you stand to make. 

NAR (National Association of Realtors) says the average flip takes 6 months and the average profit is $15,000. So, you can work your butt off for $30,000 a year, at great risk, or you can simply make that in one transaction a month using creative financing.

I just bough a house in Goodyear, across the valley, worth $425,000 according to Zillow for $304, 000. All it needs is a thorough cleaning and interior painting. It's a mess that will take at least $3,000 to fix :-) So, let's see $425,000 - $304,000 - $3,000 is something like $114,000 profit. That is what you should be looking for.