Larger down payment or small down and multiple properties?

[Noah Lochner]

I am beginning my real estate investing journey and I have about 30k in capital. Should I use my capital to put a larger down payment on a property to reduce monthly mortgage costs. OR Should I put a small amount down and use more of my capital to possibly get another property or two.

[Thomas S.]

You maximise your returns by maximising the number of income streams you own. The more the properties the greater the income, the greater the appreciation, the safer your investment.

It is similar to the difference between investing in a SFH or a multi unit. Safety and profit in numbers.

Assuming of course that you are able to invest in positive cash flow properties.   

Even with total cash flow being the same between one property and multiple properties multiple units is a far smarter investment. Never put all your eggs, or your money, in one basket.