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All Forum Posts by: Zoe Brennan

Zoe Brennan has started 4 posts and replied 19 times.

Post: Starting w/ Limited Funds

Zoe BrennanPosted
  • Posts 19
  • Votes 22
Quote from @Jules Aton:

Lived in dumps that I fixed up and sold or rented while working 50+ hours a week at my day job. 


That’s smart! Living in the properties while fixing them up is a great way to build equity and keep costs low. I really look up to that level of commitment and hustle—definitely inspiring and great way to start out!

Quote from @Crystal Smith:
Quote from @Zoe Brennan:

I’m looking for the smartest way to invest $25K to generate the best returns and scale my portfolio as quickly as possible. My goal is to make the most strategic move that maximizes profit while managing risk effectively.

If you had $25K to invest, what would be the best option? Would you put it toward a down payment on a long-term rental, BRRRR, house hacking, partnerships, or another strategy? What type of real estate would you target—single-family, multifamily, commercial, etc?

For those with experience, what has worked best for you? Any key factors to consider or lessons learned when trying to scale efficiently?

Appreciate any insights—looking forward to learning and connecting!


 Coming to this thread late.  I can't address what is the "best option". Of the options you identified, the one that we used at the beginning was partnering - 4 people $25K a person  $100K total & then we used leverage to do Fix & Flips.  The profits from the fix and flips was then used to acquire assets to hold.

Lots of lessons learned which I won't go into here, but the biggest one is how to effectively network and find partners.


You're absolutely right, and I really appreciate your insight! Networking is such a crucial part of real estate investing, and I definitely want to focus on building strong relationships and finding great partnerships. Is there anything specific that helped you network more effectively? Your experience with partnering and leveraging fix & flips to acquire long-term assets is really inspiring. Thanks for sharing!

Quote from @Wale Lawal:

@Zoe Brennan

With $25K, the best strategy depends on your risk tolerance and long-term goals. House hacking with an FHA loan (3.5% down) could be a smart way to start while minimizing living expenses. If you're open to value-add projects, a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) could help you recycle capital and scale faster. Partnerships or creative financing can also stretch your funds further. Focus on markets with strong rental demand and appreciation potential, and be sure to run the numbers carefully to avoid overleveraging.

Good luck!


I really appreciate the advice. This is exactly the kind of guidance I was looking for. House hacking and BRRRR are definitely strategies I'm considering, and I'll be sure to focus on strong rental markets and careful analysis. I'm currently looking in the Milwaukee, WI area—it seems to be a great spot to invest. Thank you for your helpful input!

Quote from @Shea Gajewski:

If anybody says that 25k isn't enough to invest in real estate, do not listen to them. You can house hack with an FHA loan on a duplex in the 200k range and do just fine. You will be able to save money faster with the other half rented out allowing you to buy your next property sooner. Depending on how hard you work, this process could take a couple years or 6 months. The longer you wait to invest, the longer you could be setting yourself back financially in the future. If you surround yourself with the right people, you can make anything happen!

Lets connect!


Thank you! I really appreciate the positive and helpful advice. House hacking with an FHA loan is definitely a great way to start, and surrounding yourself with the right people makes all the difference. Looking forward to connecting!

Quote from @Dan Zambrano:

Cool thread, thanks for posting this!

My sentiments are a bit similar to other commentors, slow but assured progress is best especially in this interest rate environment. But guess what, rates WILL drop in the next few months/years and most markets will explode after that IMO.

If I had 25K I would look into B or B+ (specifically with schools above 5 greatschools rating, and moderate to low crime rate confirmed by heat map and frequenting businesses there) areas within 25 minutes driving distance from my home for a SFH.

I would go with either FHA or FHA 203K loan (3-5% down) have some money left over for cosmetic improvement (paint and little else haha) live in for a year and rent. If you do this correctly you should be able to build between 30-80K in equity and have at least $200/mo cashflow when rented to set aside for vacancies rehab, repeat every year until you get 10. This is a GRIND but that is the way forward in this environment IMO.

Why this works is simple: You slow ramp to give time to build alot of skills needed to scale at the end of the 10th year you SHOULD have at least $3M portfolio assuming 3% appreciation that is $90K you are adding to your net worth EVERY single year guaranteed! Then you restart this process with your spouse's credit lol.

This path is hard, but doable. You will have setbacks, and you will require some kind of team, but again the path is there.

I have a thread on here about my journey to $20M portfolio. That would mean in so so years networth would increase by $600K if my maths are correct lol. Staggering when you start to scale this.


Dan, 

Thank you for the valuable advice! I really appreciate the thought you've put into this strategy. I love the idea of slow, consistent growth while focusing on building skills over time. The FHA and 203K loan approach makes a lot of sense, especially with the potential for equity and cash flow.

It’s encouraging to see someone who’s taken a long-term, strategic approach to building wealth. Your story of scaling up really gives me confidence that it’s possible to grow and become highly successful, step by step. I’ll definitely check out your thread on your $20M portfolio journey.

Thanks again for sharing your experience!

Quote from @Melanie P.:

I'm sorry to sound negative, but $25k is not a sufficient investment to get going in real estate. 

You will likely hear from a lot of people pushing syndications since your post is chumming the water. These deals are very risky, frequently fail, require locking up your capital for many years with no ability to cash out or sell your position. 

Do you own your primary residence? This is always the place to start. The 25k would do fine in a stock index that suits your risk tolerance. Many of them have been returning significant sums. But even if you hit a home run and grow 30%, that is $7500. You have to add to your investments all the time to make your investment portfolio grow. 


Hi, 

I appreciate your insight! I understand that $25K isn’t a huge amount in real estate, but I also know that plenty of investors have started with similar or even less. My goal is to be strategic—whether that means house hacking, leveraging financing, or finding creative ways to maximize returns.

I’m looking to invest in real estate because that’s what I’m truly interested in and where I want to put my money. As a realtor, it makes the most sense for me to invest in the real estate market rather than financial markets. I’m always open to learning, but my focus is on getting into real estate and scaling from there.

I’m looking to connect with other investors and grow my network. Are there any real estate investor meetups in the Milwaukee or Kenosha, WI areas that you recommend? 

I’m eager to learn more and want to constantly be around like-minded people to keep growing in this space!

Post: Starting w/ Limited Funds

Zoe BrennanPosted
  • Posts 19
  • Votes 22

Hey BP Community,

We all know real estate investing requires money, but not everyone starts with deep pockets. Some of the most successful investors got creative to land their first deal—and that’s exactly what I’m looking to learn from.

If you started with limited capital, what strategies helped you land your first deal?

I’m actively growing my network, attending meetups, and soaking up as much knowledge as possible. I know some common strategies include:

  • Wholesaling
  • Seller Financing
  • House Hacking
  • Joint Ventures
  • Private/Hard Money Lending

For those who’ve been in my shoes, what worked for you? What would you do differently if you were starting over? What lessons did you learn, and what advice would you give to someone in the same position today?

I’m also looking to invest in the Milwaukee, WI area, so if anyone has tips or knows of good opportunity areas, I’d love to hear about it!

Looking forward to hearing some great advice—let’s help each other grow!

Quote from @Arn Cenedella:

@Zoe Brennan

Starting to invest in real estate is a great idea. 

But when you write “scale quickly” alarm bells go off in my head. 

Real estate is not quick. It is slow and steady. 

No RE deal will change your life with $25K of capital. 

I started investing in RE when I was 26. I bought my first property for $107,500 put 10% down borrowed 80% LTV from Wells Fargo at 11.75% rate and my father lent me the last 10% and charged me interest the same as Wells Fargo did 11.75%.
 

I’m now 70 and have never stopped. 
I became financially free in my early 50s. 

My suggestion is not about how you invest $25,000 but rather how can you make consistent investments in RE over time?

A 10 to 15 year plan - slow and steady. 

Pending property prices in your market perhaps $25,000 is enough to buy a small rental house. If so that’s a good place to start. 

If not then passive investing in syndications is your best bet. Professionals find good deals, operates them professionally hopefully providing a profit without you have to deaL with the issues that face a landlord every day. 

Hope this helps. 

Arn

Hi Arn!

I really appreciate you sharing your experience and insights—hearing from someone who has built long-term success in real estate is invaluable. I completely understand that real estate is a slow and steady game, and I don’t expect overnight success. That’s exactly why I’m starting early—I want to give myself as much time as possible to learn, grow, and make smart, strategic investments.

When I mentioned “scaling quickly,” I didn’t mean rushing the process or expecting one deal to be life-changing. Rather, I want to make the best possible moves early on to build momentum and position myself for long-term, consistent growth. Your point about focusing on making consistent investments over time really resonates with me, and that’s exactly what I want to plan for.

Given today’s market, do you still think starting with a small rental is the best first step if possible? Or would you recommend passive investing in syndications as a better way to gain exposure and build capital before transitioning into direct ownership?

Thanks again for your time and perspective—I truly appreciate it!

I’m looking for the smartest way to invest $25K to generate the best returns and scale my portfolio as quickly as possible. My goal is to make the most strategic move that maximizes profit while managing risk effectively.

If you had $25K to invest, what would be the best option? Would you put it toward a down payment on a long-term rental, BRRRR, house hacking, partnerships, or another strategy? What type of real estate would you target—single-family, multifamily, commercial, etc?

For those with experience, what has worked best for you? Any key factors to consider or lessons learned when trying to scale efficiently?

Appreciate any insights—looking forward to learning and connecting!