How I’m Buying over $1,000,000 in Rentals with No Cash Down

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How do you keep growing your real estate portfolio when interest rates make traditional cash-out refinancing impractical? The answer might lie in creative loan structuring and relationship banking.
Cole, balancing careers as both an airline pilot and real estate investor, walks us through his innovative approach to expanding his portfolio toward his goal of 100 units. When faced with equity trapped in two triplex properties financed at 3.9%, he devised a strategy to avoid the prohibitive costs of refinancing at today's 6.75% rates while still accessing that capital for growth.
The breakthrough came through combining his existing properties with a new 14-unit portfolio acquisition into one comprehensive jumbo loan. This consolidated approach allowed him to extract equity from existing properties while maintaining favorable financing terms. By negotiating the portfolio purchase from $1.4 million down to $1.1 million and structuring creative financing, he's positioned to add these properties with minimal additional capital investment.
What makes this strategy particularly powerful is how it leverages banking relationships. Cole explains how maintaining connections with multiple lenders creates leverage in negotiations, allowing investors to secure more favorable terms. He also highlights an overlooked opportunity in today's market: while institutional investors chase larger multifamily properties, single-family homes and duplexes remain undervalued and present significant cash flow and appreciation potential.
This episode isn't just about one deal – it's a masterclass in creative problem-solving, relationship building, and persistent deal-hunting. Whether you're just starting or looking to scale your existing portfolio, these principles of leveraging equity, maintaining banking relationships, and finding overlooked opportunities can transform your real estate investing journey. Listen now to discover how thinking differently might unlock your next level of growth.

פרקים

1. Intro and Deal Overview (00:00:00)

2. Equity in Existing Properties (00:01:56)

3. Finding a Portfolio Deal (00:04:48)

4. Creative Financing Strategy (00:09:03)

5. Building Bank Relationships (00:13:39)

6. Progress Toward 100 Units Goal (00:15:25)