But when you actually look at the numbers, most investors aren’t running the math correctly, and that misunderstanding is why a lot of people get stuck, overpay, or get burned on the refinance.If you want to scale using BRRRR in 2025, here’s the math you must get right.1.

This is a loan a lender makes and keeps in their own portfolio (doesn't sell on the secondary market).My Recommendation & The "How Much" QuestionFor someone in your position, looking to systematically build a portfolio, I typically recommend a two-pronged approach:Start with a HELOC.

The math, the tips, and all the different perspectives really helped me see the situation from every angle.After going through everything and running the numbers again, I’ve decided to keep the property and not pay off the mortgage for now.

In most cases, Philadelphia zip codes aren’t getting priced at all right now.This looks like a temporary pause while the secondary market reassesses risk and recalibrates.

Our buying criteria are as follows:4-32 Units In NC1970's or newerIn secondary and tertiary markets with a growing population of 10,000 or more$80,000-$120,000 a doorLooking for operational upside but comfortable with cosmeticand exterior upgradesLooking for C to B- PropertiesAnything west of the I-95 CorridorPlease send me a DM if you have anything that meets these criteria I would love to hop on a call and connect.

I’m aiming to close 10 deals per month by Q1 next year, and I already have buyers lined up actively looking for properties.I’m primarily investing in the Dallas/Fort Worth market, and I also work in Florida as a secondary area.Looking forward to connecting, learning, and building strong partnerships within the community.

Always have a secondary exit option.The market can change quickly, and flexibility protects your capital.3.

I did the math for him.  

Once your secondary becomes a rental, it opens up new tax advantages.

It’s more of a retirement tool but can serve as a secondary bucket if you’re thinking long-term.Investment Apps or Brokerage Accounts (like Acorns):These automate investing and can provide higher returns, but you’ll be exposed to market swings.