Starting Out
Market News & Data
General Info
Real Estate Strategies
Short-Term & Vacation Rental Discussions
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Tax, SDIRAs & Cost Segregation
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
1031 Exchanges
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated about 4 years ago on . Most recent reply
![Joel Calkins's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1890471/1621516457-avatar-joelc150.jpg?twic=v1/output=image/crop=2436x2436@0x258/cover=128x128&v=2)
Creative financing tips?
I'm only 18 and have virtually no access to a loan nor can I afford the interest of a hard money lender. What did you use to gather capital to close a deal?
Most Popular Reply
![Hunter Vigneault's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/428053/1684399880-avatar-hunterv.jpg?twic=v1/output=image/crop=768x768@0x0/cover=128x128&v=2)
It is advice you will find in a lot of posts (because I think it's good advice) - find a small multifamily (or a large single family) and househack it. It is how I started - buying the cheapest house on the market at the time and using a 203k to rehab it and then rent out the other unit. If done right - or close to right - the savings on your living expenses and the mortgage paydown will put you on a good path and provide the landlord and handyman experience you will need.