My wife and I are interested in building our real estate portfolio staring from zero.

What if they stay 10 more years, with zero rent increases?

3/5/2019Sherelle – thanks for the post / questions and outline Fyi – there are some conventional loan programs that allow a 3% down payment ….I would recommend using this program versus a fha loan program if possible …this is because with a FHA loan the monthly mortgage insurance remains with the loan permanently and with a conventional loan – you should be able to eliminate the mortgage insurance in the future ……Also – if you use a FHA loan for the first home - using a FHA again for next property might be an issue …..you allude to this in your question #2Regarding cash flow analysis ….other items to factor in : utilities / property homeowners insurance ( this will be a little higher when you live in home and should decrease a bit once you convert it to a rental policy / are there any deferred maintenance issues on the house ( roof / furnace / water heater / foundation are the bigger tickets items to watch Definitely get pre approved so you know for certain what you can afford and also so you can begin becoming more familiar with the numbers …we can assist with this if you want - contact us Thanks and I hope this helps Dave Skow 

@Hunter Waterman I've found that for banks that hold onto their loans (portfolio), they vary widely in their policies and suspect you can find one that will do a HELOC on top of an existing 1st mortgage from another bank - though whether you like their max LTV (i.e., maximum allowable LOC) is another question entirely.If you're going with a more traditional bank / institutional loan that likely resells the loan on the secondary market, you'll have a much harder time doing anything creative or "outside the box".

Hi @Michael Boyle, welcome to BP.To do some title research, go to the Registry of Deeds made for Middlesex County -- http://www.masslandrecords.com/middlesexsouth/I am doing new construction on my property and I think you're a bit low with your $162 per square foot estimate.As for you cashflow calculation, I highly doubt you're going to be able to find a bank willing to do a cash out refinance with zero money down.

Jeremy, Most commercial policies will have a coinsurance clause, but it is not an issue if you can get it waived.There are several options my KS investors use for larger complexes. 

As a former agent I know someone can claim to be investor friendly but have zero experience.

They would also provide title policy for lenders.

Or is there some sort of broad insurance policy for investors who often hire these handymen types. 

@Tua Toiaivao add about 3 zeros after the number of offers you’ve tried (about 10000) and that’s how many it’ll take to get one deal this way.Deep down I feel like you know trying to wholesale off the mls is a waste of time.