Two views of ownership; owning the equity,  owning the debt. 

We certainly have many fix and flippers, and they generally raise equity (vs. debt).

Gradually scale by researching high-growth markets, partnering with experienced investors, and exploring financing options like SBA loans.

.🏗️ Building Equity While Others PayWhen your tenant pays rent, they're helping you pay down your mortgage - building your equity.

You could also use a Fannie May Home style renovation loan which a conventional loan and require 5% down vs.

If you need any help with the financing, Aslan is beginning to offer the Chattel loan very soon which could be a great help.

I know in Columbus a lot of community banks are doing loans on 2-20 units.

Instead of moving into another single-family home, consider house hacking a duplex or triplex, this allows you to use low down payment loans (FHA, conventional) and offset your mortgage with rental income, accelerating your path to financial freedom.

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

However, my debt to income ratio with that home loan, and student loan doesn't look that great currently and I don’t have much for a down payment.