All Forum Posts by: Vincent Pflieger

Got it! It can be a challenge to keep both the purchase price and repairs within the lender's LTV limits but definitely doable. And if the ARV is higher, or if I can get a LTV at 80%, it's a win!

Thanks Shawn!

Got it. Did you increase the property’s value enough to secure a solid profit?

Actually, I'm thinking of using half of my HELOC to buy a smaller multifamily while keeping the rest as a safety net.

Hi Shawn,

Thank you so much for your detailed response—I really appreciate it!

I already have the market in mind (Birmingham, AL) where I’ve purchased a couple of SFHs and have a solid team in place (contractors, property manager, etc.).

From what you’re saying (and I’ve heard this from others as well), it sounds like the preferred approach is to buy entirely in cash (covering both the property and rehab costs) and then refinance afterward to speed up the buying process. Is that correct?

I'm not 100% sure I fully understand the math behind it (the 75% LTV ARV part)—would you mind sharing a quick example to break it down?

Thanks again for your time! Really appreciate your insights.

Sounds good. I’d definitely feel more comfortable lowering my expectations by half or a third and gradually scaling up by adding one small multifamily at a time.

Right. It’s probably better to start with one small multifamily (2–4 units) at a time.

Yes, I know the market and have already invested in a SFH there. I have a pretty solid team of contractors on-site to handle the work, but I'll be visiting to oversee everything, yes.

If I want to take a middle-ground approach, you're suggesting I could start with a small multifamily (4-5 units) or perhaps 2-3 SFHs (around 80k each, with 20-30k rehab each, finance at 25% down with the HELOC) ...

Would it make sense to keep around $100K on my HELOC as a reserve for emergencies?

Appreciate your insight!

That's good to know, thanks Dominic.

True. It's better to have a safety nest. In that case, using about two-thirds of the HELOC to acquire a multifamily property—perhaps around 10 units max—while ensuring a solid team of contractors and a strong market would be key.

I feel that buying just a couple of single-family homes would generate minimal cash flow, making scalability painfully slow.

Hey everyone,

I'll keep this short and would love to hear from investors who have successfully leveraged a HELOC to scale their real estate portfolio for both short-term cash flow and long-term wealth building.

I’m about to unlock $200-250K in HELOC from my primary residence (a condo in NYC), and I know there’s a powerful strategy I can implement.

My current plan:

✅ Acquire a 10-15 unit multifamily in a mid-sized market (AL, TN, OH, etc.), targeting a $700-800K deal with value-add potential.

✅ Use 20% from my HELOC for the down payment and finance the rest with hard money.

✅ Force appreciation over 6 months, then refinance into a DSCR loan to pay off the HELOC.

✅ Rinse and repeat!

Has anyone executed a similar strategy?

What challenges did you face, and what lessons did you learn?

Would love to hear about pitfalls, lender restrictions, and any alternative approaches you’d recommend.

Thanks in advance for sharing your experiences!

Hey everyone,

I'll keep this short and would love to hear from investors who have successfully leveraged a HELOC to scale their real estate portfolio for both short-term cash flow and long-term wealth building.

I’m about to unlock $200-250K in HELOC from my primary residence (a condo in NYC), and I know there’s a powerful strategy I can implement.

My current plan:

✅ Acquire a 10-15 unit multifamily in a mid-sized market (AL, TN, OH, etc.), targeting a $700-800K deal with value-add potential.

✅ Use 20% from my HELOC for the down payment and finance the rest with hard money.

✅ Force appreciation over 6 months, then refinance into a DSCR loan to pay off the HELOC.

✅ Rinse and repeat!

Has anyone executed a similar strategy?

What challenges did you face, and what lessons did you learn?

Would love to hear about pitfalls, lender restrictions, and any alternative approaches you’d recommend.

Thanks in advance for sharing your experiences!