2025: How to tap into OPM

[Arun Philip]

Hi, I have a current SFH rental. Cash Flow is not the best but have appreciation on the property. My goal for next year is scale and acquire at least 5 more properties (preferably multifamily). End goal is get into the commercial housing and industrial. I don't have much cash to put down for a property and don't have anyone to rely on to borrow capital. Wondering what are the different ways everyone got the money to put down on a property and the way to finance it? Ideally looking to cash flow positive on all properties.

[Nicholas L.]

@Arun Philip

not sure if i understand your question.

if you don't have any cash, period, you shouldn't be buying any more properties.  if you have some cash, but not enough cash for huge down payments, OK, welcome to real estate investing.

i am trying to BRRRR right now. you can use hard money to buy a BRRRR - will still require a down payment - and then refinance.  but BRRRR is not a cash flow strategy and you likely will not cash flow after the refinance.

if you want 100%, no strings attached financing... that's going to have to be a family member or something like that.  and it's still probably not a good idea.

hope this helps