I have 40 years experience as a real estate syndicator/sponsor and investor in other syndicators deals.

Now, for those specializing in this with the experience of 150 transactions behind them, they probably have the knowledge, experience to make it work and to limit the problems of it ends up in court.  

In your case it sounds like your short term goal is to acquire your first property. 

I’ve recently paid off some debt and am earning a decent income, but my savings are still modest and not yet substantial.My plan is to use an FHA loan to acquire a decent property, claim it as my primary residence for a year, and then either sell it for a profit or potentially rent it out.

My real estate journey started with a single investment property in Putnam County, Florida, and I'm actively working to expand my portfolio and acquire my next property soon.

I just acquired two fixers in Whatcom county that I will be rehabbing this spring.

You can finance both real estate and business-related expenses under one loan.Best for: Owner-occupied properties (51%+), businesses acquiring both property and operations, or those needing working capital alongside real estate.SBA 504 Loan – The Fixed-Rate Power Play✔ Max Loan Size: Typically $5M, but can go higher with green-energy incentives✔ Down Payment: Typically 10% (15%–20% for special-purpose properties)✔ Eligible Use: ONLY for real estate and equipment—no working capital✔ Term Length: 20 or 25 years (real estate), 10 years (equipment)✔ Interest Rate: Fixed, below-market rates (CDC portion is government-backed)✔ Structure:50% Bank Loan40% SBA/CDC Loan10% Borrower Equity (15%-20% for special-use properties)Best for: Buyers looking for long-term, fixed-rate financing with lower equity requirements, particularly for industrial, warehouse, retail, or medical office spaces.Which One Should You Use?

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!

Wife and I are both self-employed so acquiring a traditional mortgage is challenging based on our "on paper" income.

With 34 years of real estate investing experience, I’ve been involved in everything from owning rental properties to flipping.