The ultimate cheat code for buying rentals in 2025 with ONLY 3.5% down (Ft.

[@smokedsquirrel]

I saw the thumbnail and thought BP smartened up and brought you two back. Glad to see you guys still doing videos

[@Robuilt]

Nah haha. But you might see more of me and Dave in the future. This was a fun throwback for us!

[@MaiyaBG]

Same 😂

[@DrTaftinator]

Been there, Did that, worked great! 6yrs - 5 properties and we are now in a single family home with the mortgage completely paid by rent.

[@myjourney-Siri]

May i ask what area are you? I live in north CA the price here is crazy not sure how to start

[@alvinsingh9750]

Same. I'm in Sacramento

[@ventureted]

@@alvinsingh9750 same in LA.

[@ramoncazares]

David and Rob, stop screwing around and do a show, podcast together. You two were the best of what was on BP.

[@customhomebuilder]

All good strategies. I will add something to opening a business: pay yourself as a W2 employee because when you go for a mortgage as a 'business owner', you may have to provide 4 years of financials which to me is very invasive and difficult. As a W2 employee, the requirements are much less stressful.

[@PNW_614]

Glad you're both doing this on the Robuilt channel. I tuned out of BP since you guys were taken off their platform.

[@r0c1ndave]

Truth. I went the “sneaky” route to midterm. Working on our fourth “sneaky” rental. Or perhaps it’ll be a live-in-flip. I took on a construction job on the side, so I can learn the industry and apply it towards ADUs or build-to-rent in the future. Just gotta stay on the journey. Good episode gents 💪🏼 great seeing you two again

[@DavidKrulac]

I previously wrote about a friend of mine who was a serial owner occupied buyer of real estate. He bought three townshouses, a three unit apartment building, a four unit apartment building and a farm; all using low down payment owner occupied mortgages. His goal was to buy one a year, but it took him a little long to buy the six above property, he spent a little over seven years to accomplish his goal. Each time he and his family moved into the "new" property and lived there for a year + and then bought and moved into the next property. Not only are owner occupied mortgages the lowest down payment, but also the lowest interest rates. Its a great strategy, thanks to David G. and Rob for promoting it.

[@jessicafreese7886]

Two of the hardest working, honest speaking guys around! Loved seeing you together again where you can really speak your mind. ❤

[@Pew_Meister]

“You can’t find cash flow in 2025” *Investors in the Midwest listening in confusion* 😂

[@ventureted]

I live in LA. Every bank/lender I've talked to says I need to make around 200/250k per year to qualify for an 800k-1 million dollar loan. Which is pretty much bare minimum for anything even mildly decent. I'm self employed and my business earns this much but I "don't". How's it possible to get into any kind of real estate?? I have more money than I've ever had in my life and still can't get a house. I will likely have enough money to buy a house with cash before I can get a loan.

[@deshtruction33]

Look for non-QM lenders and talk to credit unions. Also explore non-conventional lenders, there's a ton of them out there. If you use the big banks or brand names, they'll shut you down. But plenty of lenders out there have different criteria, so definitely look into other types of lenders. (non-QM qualifies you for a home based on your assets, not W2 income, for example)

[@ventureted]

@@deshtruction33 thank you for the tips! Ya, I've talked to credit unions, same issue, and non conventional which want a much higher down plus muc higher interest rate which, if I could get a conventional loan after I was in the house wouldn't be a problem but I'm concerned with getting a non conventional loan and then being stuck. They also usually have a balloon payment due after 5 - 10 years.

[@deshtruction33]

@@ventureted There's a credit union near me that does 0% down owner occupied loans as long as you can prove you meet their DTI requirements. Also the non-QM might be a higher rate, but it's only .5-1.0% higher than conventional, plus you can buy that rate down. But you are correct, they might ask for a larger down payment... more than 3.5% most likely. I've seen some that do 10% down though.

[@ventureted]

@@deshtruction33 down payment isn't a problem. Its always DTI. I make more than enough to qualify but "my income" is essentially split into two with my business and personal income.

[@arthurbecerra9726]

This has been one of the best episodes. Everything you guys touched on answered so many questions on my situation now. Keep up the amazing content and THANK YOU!

[@airroig]

I’ve been doing this for years, the biggest pitfall is that you need the property to significantly cash flow as you will only be credited 75% of lease amount so you have more difficulty qualifying for each concurrent loan as you DTI increases each time. How this system works best is buying a duplex/quad pled with you FHA loan as they allow multifamily. Live in it for a year and then start the conventional route.

[@rafaelpaun1907]

Exactly

[@rebekahrada6471]

Please Keep up the real talk!! Good advice guys! Fun to see you two together again!

[@angelayan8712]

I miss you guys and your no BS about real estate. These advice is true to the time. I have been BRRRRing because of you David, i am now selling them to trade in for better zip codes and getting into Coliving. It is checking all the boxes. Happy 2025!!!

[@tammyrussell-rice5508]

It was nice to see you two together again. Happy New Year!

[@ryana9712]

Welcome back to BP!! Better Podcast than bigger pockets

[@zackdreamcast]

Sadly this comment is going to seem negative and that I am being a an internet troll which I absolutely don’t want to be but I have to call it out… The ONLY thing you need to hear out of this circa 40 min conversation happens at 12:55 . And if you’re going to have that mentality then I would say real estate investing (and more specifically short term rentals to which this Robuilt channel is based on) is no longer worth it until the interest rates come down OR the rental income can come up. The whole point of investing in real estate for short term rentals is to get out of your 9-5. Rob sells courses, conferences, and everything else based on that. To hear him AGREE with his guest on this point that STR investing is NOT a path to freedom from the 9-5 is highly concerning as it makes it seems like what he is selling via this you tube channel and his auxiliary business (aka his active income ) is a lie. So which is the truth of the matter?

[@zackdreamcast]

It is a lot less work, less risk, etc to just send all of your investments into a broad market index fund like VOO. It would return 10% and let your returns see the 8th wonder of the world, compounding interest. Over a long term time horizon the risk of failure in the stock market essentially drops to zero.

[@zackdreamcast]

This “sneaky rental strategy” is essentially house hacking and moving every year which works for your single, no kids , no spouse, transient …. But if you’re married, have kids, or simply don’t want the hassle you’re going to need to look elsewhere

[@Robuilt]

Hmm odd extrapolation of this conversation. Anyway, my message is relatively consistent and it's that I don't think people should pay themselves from real estate. Nor do I think people should be so desperate to quit their jobs and become a full-time real estate investor. Lots of Airbnb gurus preach this message. I do not. I believe in taking all profits and reinvesting them back into your portfolio (or into more real estate). The whole point of investing in real estate to YOU might be to escape the 9-5 grind. But not everyone. For me it's about building wealth through equity. For others it's about making an extra $1k-$4k/month to supplement their jobs. I make money about 8 ways. Why? Because I want my real estate to sustain and fuel itself. And I want to make awesome active income to continue to buy...you guessed it...more real estate. Here's how I make money: 1) Real Estate 2) Content/Brand Deals 3) Education 4) My cost seg company 5) My interior design company 6) Affiliates 7) My pool servicing company 8) My cohosting company 9) So many other things in the works But guess where the majority of my net worth is derived from? You guessed...real estate. I'm a serial entrepreneur. It's a blessing and a curse. But regardless of how you see it, it is not for everyone. The 9-5 corporate ladder is the best option 99% of people. And there is absolutely nothing wrong with that. Which is why I think short-term rentals are awesome, because it's an achievable way to make an extra $1k-$4k every month. My mission is to make STR education as accessible as possible. Which is why my BEST content is free. Cheers!

[@spencerb6773]

Yes! The best Bigger Pockets duo ever! (Brandon is awesome too, of course) So ridiculous that they got rid of you both but, I think you two starting your own things will be better for you both in the long term. They did you a favor. Thank you for collaborating! If we're being completely honest I have watched every Bigger Pockets and every David Green and every Robuilt podcast/youTube and my favorite is David and Rob together. You two should collab often! I'm all for it. Thank you so much for all the knowledge to help me navigate the real estate market to you both! I've almost bought my first seller finance, or subto deal multiple times in the last 2 years but, I think I'm really close to my actual first purchase. Super excited. I started a general contracting company 4 months ago after doing a wholesale a year and a half ago. I'm trying to build momentum. I think it's working. Thanks to all your advice!

[@kellyrachel35]

Being able to navigate the complexities of today's world where we're bombarded with so many different narratives is a vital skill. We each have a personal responsibility to not be duped into the ease of letting other people think for us. I have compassion for anyone whose life has been negatively impacted by blindly following advice, however, accountability ultimately falls on the individual. It's only prudent to utilize the capacities we're given to work out how best to apply things we hear and learn. These guys (and brandon) definitely inspired a ton of people, myself included. The actions I took based on the free content they put out have not given me a luxurious life of carefree living but something much more valuable which is time and presence with my family. Truly thankful for their influence 💖

[@foreriver8920]

Way to start my New Year's Day! Things are always changing but we will be ready.

[@kennethlee8873]

Good to see you guys together again!

[@oe1299]

MORE OF THIS!!! I sure missed you 2 together 🎶 the boys are back in town 🎼

[@tenminutetravelbreak]

Great to see/hear you two together again.

[@lakersalex]

It has been a while, nice to see you guys back together. I’m sure you already know this, but the audio is blowing out, especially on Rob‘s mic!

[@giffy7962]

Gotta start putting that VA loan I got to good use

[@gandr.e.5136]

You can buy up to a fourplex with a VA loan. Don't buy single family, it doesn't pay you, it's a liability.

[@myjourney-Siri]

@@gandr.e.5136got one duplex $710k but in bad area. My husband is in the loan so refused to buy this property sigh!

[@rafaelpaun1907]

Do you think this random person on the internet has Money for a fourplex? lol be realistic

[@giffy7962]

@@rafaelpaun1907 damn you that broke that you think everyone on the internet is that broke, hope 2025 is different for you lmao

[@rafaelpaun1907]

@@giffy7962 I’m Not broke at all trust me, do you know how much a fourplex costs? Show me your real estate portfolio. Don’t have one? Hm maybe your broke

[@johnnyg3007]

What about debt-to-income ratio requirements? We just bought a house and are house hacking, but our DTI is too high to get another property, at least for a couple of years most likely. Does anyone know of a way around DTI requirements?

[@milesdavis8250]

I'm here too. Can't even pull the massive equity i have out to do another deal

[@rayrojo1172]

Real estate is so 2,000 and LATE It’s nearly impossible to find anything that cash flows, especially in CA. BITCOIN BABY!!!!! Dump the real estate talk and pivot to the asset that makes wife-changing gains!!!

[@EdwardL10501]

I’m doing the BRRR with my VA loan, up to 6 about to be 7 units.

[@themarkandmelteam]

The hard part really is cash flow right now, with that low down payment of even 5%. That's why we have so many investors calling us, to see if we have any fixer uppers. Nobody even has those because i buyers are the only ones paying over market again. Even though they are selling many BELOW the last price they bought from the sellers at the peak in 2022 in az. We have a crazy 2025 coming up!

[@rafaelpaun1907]

You guys are also forgetting your debt to income ratio. House hacking sounds good, and churning houses to buy and rent and repeat, but even if you show a lender that the rent is covering the mortgage you still have a debt for the mortgage for the house. You would need insane income, like over 300k a year, to qualify to buy more than like 2 rental properties. Take it from me, I have a prim res and a rental property that is cash flowing a good amount.

[@MibinJoseph]

Enjoyed listening to this content. Very practical advice. Thank you!

[@shaneedmonds8690]

The good ole house of cards strategy

[@Joe-nx7nj]

Did this with my air bnb. Worked out well but now its not really worth the aggravation. Profits are weak. The fun is over for the majority of str hosts.

[@lukeremsberg5796]

Let’s be honest, that’s probably a good thing. The market was / is so oversaturated, once all the super over leveraged / arbitrage people tap out, it’ll settle as an actual good investment for those who did it right

[@williammanzie5446]

I really enjoyed this video. Thank you for making this and encouraging us to take a leap to move forward in our future. I do have a question, If I currently have a loan for my primary residence, how do I buy another this year and get a loan and claim the new house as my primary residence? Do I have to now claim my currently property as not being my primary residence somewhere?

[@delontamcclain4571]

I'm looking forward to ordering the books

[@pyrochickhop8339]

What type of financing is available for the best opportunities that require repairing or updating a house. This strategy allows you to build the equity and force equity, but many of the best home deals that I'm finding do not qualify for FHA/conventional funding.

[@WealthyChronicle]

Everyone talks about 20% down as the golden rule, but 3.5% changes the game! Real estate might just be more accessible than we think.

[@christopherperry1622]

Solid message. I believe you two correctly captured the struggle the average Joe is having in this economy. Even when everything is right, it is a high-risk investment due to the unknown probability of market instability.

[@Aortadetroit]

Finally. These guys get it. So many people are going down in the next few years when the new administration creates another record deficit with tax cuts for the 1%. These strategies should have stopped several years ago depending on geography. If you can’t cover your mortgages with cash sell and take profits.

[@808jayrealestate]

Super important question anyone can answer because idk if dave or rob will. At 3:57 Dave mentioned that for a primary loan which I think means owner occupied at 3-5% down in most cases you have to live in it for a year but you don’t have to?? Almost all loans that do only 3-5% down has to be like an fha loan which would require you to live in it for a year. How could you not live in it, or not stay the year and keep that type of loan? I talked to an investor and a loan officer and they said if the lendor finds out you’re not occupying the property the whole loan would be called due. They can literally knock on the door or check if you have any mail or utility bills in your name with that address. I know you could do utilities included but what if they knock on the door? I’m just trying to figure out what would be Dave’s strategy for this??

[@kellyrachel35]

10:12 live I it for a year. Plus househack to save for down payment on the next

[@johnpowell7829]

Get the loan owner occupied, pay down the mortgage and recast the loan to cash flow. No refi.

[@George_Philbrook]

PLEASE do more of these together! BP helped me so much over the years but after what happened I cancelled my Pro membership. I tried listening but it's not the same at all and I ended up unsubscribing.

[@UndergroundLiving]

Ha ha. I just watched your 5 house strategy interview a few hours ago and then you release the same strategy just now

[@ReadTheBible33]

I'm 17 minutes in and nothing of this sounds like it applies to someone that has a family with several kids....

[@lukeremsberg5796]

Did rob just learn that 401ks exist on this podcast today? Something like 90% of people who have a million dollars have it in their 401k. If we’re saying a sum of “200-300k” that’s probably 99%+

[@2ndamendment115]

Can we get David some hand cream!!!! Water on the hands isnt helping

[@Jfandango]

Papi Juans 😂

[@No_Regrets]

House hacking strategy works great, I did it. It's also been beaten to death. Good god, these real estate guys act like they're gods. Take my simple get rich slow strategy: most run down multifamily in a good neighborhood. 3-4 times, 12-16 units. Pay off enough of each property to where most of your payment is going towards principle. Step back and focus on how to reduce lifestyle costs at that point.

[@TheLeek94]

It's Batman and Robin peanut butter and jelly can I get W's in the chat 🎉

[@Robuilt]

Holy Guacamole, Batman!! We're back!

[@The_Real_Estate_Cam]

W

[@kenlin3036]

First watch!

[@Robuilt]

Welcome! (And let me know what you think!)

[@AndrewWoodford]

I really like this setup! Hopefully it stays! One constructive criticism, the font at the beginning was so blurry with the glow effect that it hurt my eyes. Glad to watch you guys back together! 🤍