All Forum Posts by: Amier Tutie

Hey @Amier Tutie,

 First off—huge congrats on what you’ve built so far. Zero vacancies in 5 years, steady rent increases, low interest rates, and a major flip that’s about to wipe out all your debt? That’s not luck—that’s smart investing and solid execution.

You’re in a strong position right now, and it's great that you're thinking ahead about when to leverage equity to continue scaling. Here are a few things to consider as you map out your next moves:

• If the refi still cash flows well post-refinance

• If the equity you pull can be deployed into a property with a higher ROI

• If you’re targeting markets where appreciation + rent growth are trending upward

• And you’re confident you can re-leverage without killing your monthly income

While $25K might not be enough to buy outright, it can still go far:

• Use it for reserves to qualify for a DSCR or investor loan

• Combine it with equity from a cash-out refi or HELOC to stack for a down payment (My company has HELOC resources that will offer lines of credit even on investment props!)

• Look into new construction turnkey properties in the Midwest/Southeast with low entry points (~$20–30K down)

If your Fairview Park flip performs well, that might be your repeatable model:

1. Flip a house → pay off debt/build capital

2. Use that capital to BRRRR or acquire a turnkey with leverage

3. Repeat while keeping a balance between equity growth & cash flow

You’re only 27 and already 40% of the way to your 10-door goal. With your equity position and experience, hitting 10+ by 30 is absolutely within reach—especially if you stay disciplined with leverage,

target strong cash-flowing markets and build a power team in an investable market.

If you're not already, start lining up a DSCR lender, a market with entry points under $150K and a few off-market or turnkey deal sources.

You're doing amazing—keep your focus and scale smart. Happy to share more ideas or connections if you’re looking for lenders or markets that align with your next move.

Keep going, you're ahead of the curve. 🔥

Wishing you much success!

Best,

Melissa Justice, Investment Strategist at Rent to Retirement

@Amier Tutie You're in a great position! There's plenty of ways to pull equity but most cost you money. It depends on your long term goals with REI. You didn't say anything about selling but have you thought about a 1031 exchange or selling a dud property (if you have one) to capitalize on the next opportunity? Very few investors hold every property forever.

If you don't sell the better option is DSCR loans. The rates are great and it's based on the performance of the property. Not you personally. You can close a DSCR loan quick and seasoning is <3 months for most lenders I see.

I like the saying "just because you can doesn't mean you should". We sold a SFH two years ago with a 3% fixed rate. The future capex and potential for never ending "repairs" as a rental wasn't worth the cash-flow. We used the equity for a DP and bought a way newer property.

Think about your equity position vs. cash-flow. Maybe you choose to sell something and buy a duplex or tri? That can to get you to 10 doors way faster than buying SFH. That's basically where my wife and I are right now. We're aiming for duplexes, or flips for some quick money.