All Forum Posts by: Ahsan Popal

Ideal price point 450k give or take . 


Sacramento county , California 

Quote from @John Burke:

What's your price point for your new place? What state and county are you looking?

Google my name and va loan

Quote from @Max Ferguson:

I would advise you to read "Real Estate Partnerships" By Ashley Kehr and Tony Robinson. That would be a good entry into understanding the basics for how most partnerships work. 

There are too many ways to go about it, but the main ones will be highlighted in that book. It will at least give you an outline of what to look for. The questions you are asking are far to vague for anyone to have major input or guide you correctly as each person's situation is different. 

Good luck and keep us updated!

I’ll have to find some meetups if that’s your advice , I appreciate it . 


I could , however my remaining entitlement is 211k , and the houses I would be looking at is 450k range so even though the Va loan has much more benefits because of the small remainder I Would need more down payment .  



Quote from @Benjamin Aaker:

It's very tough to find a good partner in a short time. Not many people will have the risk tolerance to bring the cash into a deal with someone they don't know. Your best bet is to build relationships well before asking about investing. Go to meetups in your area and start making contacts. It's not easy.

Alternatively, can you purchase a new primary residence with a VA loan and use your current one as a rental?

Great note to keep in mind, I figured there’s some risk so really trying to learn as much or get as much good advice in a right direction. 

Passively would definitely be great , just got to get my active to be built and do it like you lol! 




Quote from @G. Brian Davis:

I'd be cautious about overleveraging yourself, as an inexperienced investor. Creative financing works best for expert investors who can mitigate the higher risks with greater experience. 

You might consider house hacking a small multifamily (2-4 units) for your next home. You may or may not want to keep your current home as a rental, depending on how well it would cash flow. 

Or you can skip all the landlording headaches and invest passively instead :-)   That's the only way I invest nowadays.

Hi thanks for the response @John Burke

original home loan was 555k , 100% finance.  Which leaves me with 211k per the VA . 

Capital/ Down payment is the only hurdle for this next deal as I don’t have much equity built up yet to go that route. I was thinking of investor or capital partner type situations . Exploring but happy for any advice. 


Happy to learn about the DPA Program as well , how to connect ? 

Quote from @John Burke:

Hi AP,

So you used all of your entitlement on your current VA loan? When did your purchase and what was the original loan amount? If VA doesn't work, I do have a DPA program that isn't income driven and you don't have to be a 1st home buyer.

Shoot, I see that makes sense .

I know without down payment and not having my Va loan this time around again I don’t have much in my favor . 

It’s time for me to dig deep and get really creative if a no down payment deal even exists or is possible otherwise go that route. 




Quote from @Erik Estrada:

Quote from @Ahsan Popal:

Hello , I'm a marine corps veteran with a current VA home loan that's my primary.

My goal is to get a second property , tried a second VA home loan but my COE is capped . I am now open to other ways of financing , like fha or conventional and was looking into down payment assistance programs as that's the only hurdle this time around .

I’ve heard of seller financing or partnering with investors for funds and using creative financing. 

What might be some good ideas or ways to explore making a situation like this possible ? 

You may want to look into some DPAs. There are a couple of programs that do not require you to be a first time buyer. You might be capped income wise though as many programs require you to be no more than 80% of the median income for the county. There is still an FHA program available with no FTHB requirement and no income cap

Thanks for the response @Noah Laker
If it’s “subject to financing”.  I’ve heard the term not fully aware of its real life application . I have looked into seller financing if there’s any similarities. 

Because of what my goal is with this purchase , I am open to most ideas if it works. I figured since my Va entitlement is capped and I don’t have a 6figure down payment I would need creative ideas on basically no down financing . 

If there’s any resources to look into or people to connect with I am open . 


Quote from @Noah Laker:

Hey Ahsan, I'm a local broker and investor. We also manage over 100 investment properties, mostly Airbnb. Very hot topic right now is "Subto" -- have you explored this? It's not traditional and it comes with plenty of risks but it's a great way to get into properties with low down payment, as well as lower interest rates than the current market allows for.