All Forum Posts by: Drago Stanimirovic

Cade, you're in a strong position. With $200K cash, a high W-2 income, and no need to self-manage, buying new-construction rentals in growth markets like Tampa, Orlando, or Jacksonville is a smart, low-maintenance strategy. You can comfortably pick up 2–3 properties with 25% down and still keep reserves.

Since you're holding long-term, focus on solid location fundamentals and work with a quality property manager. DSCR rental loans are ideal here, they don't rely on your W-2 and let you scale efficiently.

Luisa, that jump in assessed value, and taxes is tough, but not uncommon in hot markets like Goose Creek. The “5-year hold” rule is just a guideline. What matters is your net proceeds if you sell now: estimated sale price minus loan balance, agent fees, and closing costs.

You can use the BiggerPockets Sale Calculator or a spreadsheet to run the numbers. 

Michael,

Out-of-state agents flake when they sense hesitation. Get funding lined up and define your buy box—agents take serious buyers seriously. Also consider a local project manager or investor-friendly property manager to handle boots-on-the-ground tasks reliably.

Let me know if you need any help!

Scott,

You're right to be cautious. A legit cash buyer should close in 15–21 days. The 60-day close is likely a tactic to tie up your property, then renegotiate once you've lost valuable market time. Classic investor play.

Glenn,

Flipping offers faster returns but higher risk and taxes. Renting provides steady cash flow, long-term appreciation, and tax benefits. In a strong market like Atlanta, rentals often outperform over time, especially with DSCR financing options available.

Hi Keegan, since you're starting with limited savings but no debt and steady income, house hacking is the best first step. Buy a small multi-family or a single-family with a rentable space, live in one part, and rent out the other. It lets you build equity and cash flow with low out-of-pocket using FHA or similar low-down financing.

Aim to save at least $10K–$20K to cover down payment, closing costs, and reserves—more if you're targeting higher-cost markets.

Once you build equity or cash flow from that, you can scale into other investments.

Ethan, the seller financing terms are strong, but negative cash flow, upfront repairs, and limited reserves while starting college make this high risk, especially with family involved.A good loan doesn’t fix a weak deal or stretched capacity. You’re better off passing for now and preserving flexibility. The right deal will come when you’re better positioned.

Bobby, for your first house hack, focus on cash flow over appreciation. Cash flow covers expenses and keeps you in the game, appreciation is long-term and uncertain.

In your target areas, markets like Pottstown or PVille tend to offer better returns than high-price areas like KOP. Run the numbers strictly on actual rents.

Feel free to reach out if you need any help!

Brandy, this is powerful, and absolutely on point. You’ve clearly built the skills, earned the experience, and made the leap most talk about but never take. Quitting without a “perfect” setup isn't reckless when it’s aligned with purpose and backed by real execution like yours.
Feel free to reach out should you need any help on your journey!

On strong cash-flowing properties, DSCR loans are a powerful tool for growth. They let you scale without income verification, and if the deal performs, the higher rate is often offset by the ability to keep acquiring. It's about using the right loan for the right stage and asset.