All Forum Posts by: Ty Coutts

If AYPO isn’t engaging, consider switching to AceableAgent or Champions School of Real Estate—both are highly rated in Texas for interactive content and exam prep. This is from research I've done for you.

If you have any questions DM me or email me!

Hi Jose

Overall, your plan is viable, especially with significant equity and an unconventional financing option (WLI cash value). The main risks I would say to watch out for are any family dynamic issues that could arise as things like this could lead to issues that didn't exist previously. Then being aware of the complexity of structuring the property correctly for long-term goals is important. I suggest consulting with a real estate attorney to ensure proper structuring of the LLC/land trust and review the tax and insurance implications. If you have any more questions, feel free to DM me.

Both strategies have pros and cons, but it depends on your equity, cash flow goals, and risk tolerance. (All of this is also with the caveat that I don't know the details on your current home). 

Sell & Buy a Duplex if your primary residence has significant appreciation, selling could free up a large down payment for a duplex. However, capital gains tax (if not exempt) and transaction costs could eat into profits.

Cash-Out Refinance- If rental income covers both mortgages, this could scale your portfolio faster—but be cautious of higher mortgage payments and interest rates.

If you have any other question, send me a DM or email!

Hi Lynette,

It's great to have 20+ years of experience in residential construction, drafting, and design those skills will serve you well in flipping homes or building rentals. In terms of creative ideas, you could look into leveraging that construction experience and partnering on a deal to ease the initial capital need. If this sounds like a path you and your husband find promising I suggest making a thorough contract to ensure the security of both parties. I suggest focusing on properties that need cosmetic work in order to reduce overall risk, while keeping access to a good ARV. If you have any questions on financing options, feel free to DM me.

That's a great plan—house hacking a duplex, triplex, or quad with an FHA loan is a smart way to get started. Since you have access to a private lender willing to help with up to $200K for a down payment, you have flexibility. However, in Los Angeles, multi-family properties can be expensive, so you'll need to run the numbers carefully to ensure it cash flows.

A few things to consider:

• FHA Loan Limits: Check the max FHA loan limit in LA for multi-families.
• Neighborhood Selection: Look in areas with strong rental demand but potential for appreciation (e.g., Inglewood, North Hollywood, Long Beach).
• Value-Add Potential: Minor renovations to force appreciation will help when doing a cash-out refinance or 1031 exchange later.

If you have any other questions, send me a DM or email!

Hello Solomon,

A few tips I have for you would be to first; Analyze Deals Properly – Use the 1% rule (monthly rent ≥ 1% of purchase price) and calculate cap rate, cash flow, and ROI before buying. Secure Smart Financing – Consider FHA, VA, or conventional loans for small multifamily (2-4 units). Scale Strategically (if this applies to your goals) Reinvest profits, use the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), and leverage 1031 exchanges to grow your portfolio tax-efficiently.

I'm a mortgage lender at Aslan Mortgage Lending and would love to find time to talk and discuss your journey.

Sounds like you’re in a great position with multiple options. A key factor here is leveraging your equity efficiently while considering tax implications. Since your CPA isn’t a real estate specialist, it may be worth consulting a tax strategist who understands 1031 exchanges and real estate-focused wealth-building strategies.

If your goal is scalability, rather than cashing out the brokerage, you might explore a HELOC or cash-out refinance on the townhouse. This could unlock capital while keeping your investments diversified and avoiding immediate tax hits. Given today's rates, running the numbers with a lender to compare options is key.

I work with Aslan Mortgage Lending, and we often help investors structure financing to maximize both equity and future growth. Let me know if you’d like to explore creative lending options!

Hi Brandon,
Welcome to the forum, and congrats on starting your real estate investing journey! Hard money lenders (HML) typically want to ensure you have the financial stability to handle the property and loan repayment, so proof of liquidity is a common requirement. In terms of using home equity, you would either have to take out the money using a Home Equity Line of Credit (HELOC) or you could do a cash-out refinance. We at Aslan would love to be a help with either. If you have any more questions, feel free to DM me.

Hello Arion,

If you end up following through with this and need help on a loan, feel free to send me a DM or email! I am licensed in the state of Florida.

Hello Raymond,

Shoot me a DM or email if you'd like to discuss this further, I am licensed in Florida.