All Forum Posts by: Troy Little

Thank you for the great response! I love the simplicity! I have also heard about making an offer by anchoring one of 4 parts at whatever terms I want and accepting anything in the other 3 parts as long as the numbers work. Those 4 parts are 

1.) Down payment

2.) Interest

3.) Term length

4.) purchase price

What's your thought on an approach like this?

@Helen Adeosun thank you for the advice! I constantly like to reassess as I learn more information. Right now im working on acquiring my second property and have a plan to acquire two more in 2026 and one more in 2027. However I learned more about private money, seller financing, and Hard money and figured I may be able to scale faster using those methods and would like to learn more on them. I have not used BP freedom calculator but definitely will. My current expenses are only around $800 a month (outside of the mortgage which is covered by tenants.)

With a goal profit of atleast $100 per unit per month after all expenses and savings I figured a comfortable number for myself would be 16 doors. This would allow me to fully go into being a realtor without working part time w2 as a safety net.

Through 2027 is fully planned, however I am always interested in things that may help me scale faster!

@Matthew Irish-Jones along with my previous post, what's some knowledge you believe I may not know as a new investor or some issues you foresee with my current plan?

@Matthew Irish-Jones thank you for the advice! I have sat with multiple lenders and investors to create a realistic plan through 2027. I am in the process of getting my second property right now and am estimated to get another 2 next year, then 1 in 2027 while focusing on building equity in the first property. Me and my partner are working on it together and utilizing FHAs (1 each per year, with all Capex, maintenance, repairs, property management costs even though it's us, and all expenses taught in the BP 4 square method accounted for.) I really like to create step by step future plans while current plans are in action so that when I get to that point I'm ready and just need to make adjustments depending on how things are going.

Hello everyone,

My name is Troy Little and I am a new realtor and investor in Buffalo, NY. I bought my first house hack (Closed March 16, 2025) with a 4 unit in North Tonawanda using a FHA and full seller concessions with the three tenants covering my mortgage. I am getting ready to buy my second property. I will then claim the income (minimal write offs) this year to increase my income to atleast cover the increased debts and purchase another two properties in 2026 (will be reassessing at the end of the year to make sure it still makes the most sense)

I am now interested in learning more about seller financing, private equity, and hard money loans so I can scale at a faster rate. I will be growing down the east coast and am open to investing anywhere in the U.S. for the right properties.

Can someone help me further understand the intricacies of these processes so I may make sure I have not overlooked anything? 

Is there anyone who would be willing to mentor me and/or fund future deals for the right equity split or rates?

Thank you everyone in advance!