It’s not about buying whole properties or even shares in a REIT, but instead purchasing rights to the income a property generates.Here’s how it works:- Property owners keep full ownership of their property but can sell a portion of the income rights (like rent or a share of appreciation when the property’s value increases).- Investors buy those income rights in small amounts, making it possible to invest in real estate without needing a ton of money upfront.- Payments to investors are automated, so rental income is distributed directly without much hassle.What I found interesting is that this solves a couple of common issues:- Property owners can raise cash (for renovations as an example, or any other need) without giving up control of their property.- Investors get access to real estate cash flow with lower costs and no landlord responsibilities.- The whole process is simplified—no co-ownership legal headaches.I’m curious about the pros and cons of something like this.

Quote from @Patrick Roberts: Angel oak and A&D mortgage are two of the bigger lenders that I know of who will do 2nd's on investment properties as of a few months ago.

No properties yet.

It sounds like you are trying to buy a second property with less of a downpayment than 20 percent.

Property is occupied but lease renewal is this month.

Never force the numbers—if they don’t add up, the property isn’t a good fit.

Soon I'll be purchasing my first ever investment property (Virginia) (MFH) and I honestly feel like I made a mistake.

Yes, you can do a refinance to tap some more of the equity on the property.

It's just common sense.

It’s also worth considering a multi-family property for your first deal since it can help with cash flow.