All Forum Posts by: Pierre Guirguis

Welcome, Chris! Great to see someone diving into multifamily early. At GSM, we just recently funded a deal in your hometown of ATL! I work with new investors across the country. If you ever want to run numbers or explore financing options (even creative ones), I’m happy to help however I can. Would love to connect! Wishing you the best on this journey.

Welcome, Yvette! It’s never too late to start! Your story is inspiring. I work with new investors regularly to help them understand their financing options and build confidence to take that first step. If you’re ever curious about how the numbers could look for your first deal, feel free to message me. Happy to support however I can

Welcome Iñaki! Sounds like you’ve built a solid foundation already. If you’re looking at acquiring rentals or fix-and-hold projects here in the U.S., I’d be happy to connect. I help investors like you secure financing (DSCR, BRRR, fix & flip) and can walk you through what options you’d have based on your goals.

Feel free to shoot me a message anytime, happy to help however I can.

Haven't heard of them, would be cautious. A lot of groups pop up offering DSCR loans, but not all are transparent or legit. If you want a second opinion or legit DSCR options, I am happy to take a look at whatever deal you have!

Casin, congrats on the new home and your growing family!

You’ve got a solid mindset, and your military background will serve you well in real estate. A lot of part-time service members build strong portfolios with DSCR loans, house hacks, or low-maintenance rentals—especially when moving every few years.

Your interest in combining real estate with photography, aviation, or finance is smart and there are definitely creative ways to tie those together. If you ever want to explore financing options or bounce around ideas, happy to connect!

Wishing you big wins ahead!

Yes, cash flow is still possible, even with today’s higher interest rates. It just takes a little more strategy and creativity than it did a few years ago.

• Using your HELOC to help fund your first property can work really well especially if the rate is better than a traditional mortgage.
• What really matters is not just the rate, but the monthly payment and how it compares to your rental income.
• If you buy the right property and structure the loan right, it’s still very doable to hit that $200–300/month goal 

You mentioned using a Roth IRA: That could give you cash flow now, but it might not be the best long-term move since Roth money grows tax-free. Many investors prefer to keep that untouched and use things like HELOCs, private money, or special investment loans to fund properties instead

I’ve seen a lot of investors go both routes, having capital lined up first or locking up the deal and scrambling to raise funds. Either way, using OPM successfully usually comes down to:

Finding a deal with clear upside (value-add, underpriced, or unleveraged equity)

Structuring creatively — like combining private capital, HELOCs, or partners with smart financing

Having the right lender who can move fast and work with your structure — not against it

We help new and experienced investors fund 1–4 unit multifamily deals using:

DSCR or no-doc loans so your personal income isn’t a barrier

Delayed purchase financing (so you can close cash, then refi in 30 days to pull your funds back)

Bridge + rehab funding for value-add plays

If you find a deal first, we can often help you position it to raise capital confidently  by showing the leverage options and return profile early. 

Congrats on the deal! Since the HELOC helped you close, it makes sense to weigh liquidity vs. payoff.

If keeping reserves means slightly lower cash flow, that’s often worth it, especially early on. You can always revisit payoff once things stabilize.

Also, yes—HELOC interest is usually tax-deductible if used to acquire an investment property (check with your CPA, but most investors deduct it on Schedule E).

If cash flow gets tight later, you could refi or do a delayed cash-out to pay off the HELOC. We help clients with that all the time.

Would love to help!

As someone who works in multifamily financing, I get a front-row seat to how investors actually fund deals — the good, the bad, and the expensive.

One of the most surprising lessons I’ve learned this year?

Most investors overpay on their loans — not because they don’t qualify for better, but because they don’t know what’s possible.

Here are 3 mistakes I see way too often (and how to avoid them):

1. Assuming the bank is your only option.

If you’re buying a multifamily, traditional banks can be slow, strict, and unpredictable. Many investors don't realize they qualify for DSCR loans, bridge loans, or even cash-out options without W2 income — and they could've closed weeks faster with less friction.

2. Letting a hard money loan drag on too long.

I’ve seen folks stuck paying 11%+ for 6+ months because they don’t have a clear exit plan. In most cases, we’ve helped them refi into a longer-term product with more breathing room and monthly savings.

3. Not understanding how lenders calculate income on rentals.

Some programs use market rent, others use actual leases, others look at your global DTI. I've helped investors go from declined → approved just by switching lenders who understood the deal better.

If you're buying or refinancing multifamily property, I could be of assistance to you.

I work on the lending side and help investors secure financing for everything from DSCR loans to cash-out refis and rehab projects. Even if you already have a lender, I'm happy to give you a second look or help you understand if there's a better option available.

What’s been your experience so far with investment property financing? Any wins, lessons learned, or horror stories? 

Drop them below, I'm always looking to learn!