#476: 5% Down Rental Loans: When They Work (And When They Don't)

📅 Schedule an Appointment with Bryan → ⭐ Get my coaching & community to achieve financial freedom → ▶️ Next Episode: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns Apple: Spotify: -------------------------- 🎬 Topics Covered: (00:00) - Low down payment strategy overview (00:56) - 5% down owner-occupied conventional explained (02:01) - Cosigning strategy and real example (05:47) - Investor phases and scrappy financing (06:54) - Repeat annual house hacks to scale (08:23) - FHA basics and self-sufficiency test (09:41) - FHA vs conventional: costs and credit (11:24) - VA loan: zero down benefits (13:47) - Second home loans with 10% down (18:35) - Cash-out refi and HELOC mechanics (20:39) - Risks, LTV limits, and cushions (24:27) - Using seller concessions to save cash (28:21) - BRRRR overview: buy, rehab, refinance (31:23) - Imperfect BRRRR still moves you forward (32:35) - BRRRR wins: singles to grand slams (33:58) - Rates impact cash-out and cash flow (36:19) - Common mistake: ignoring post-move cash flow (36:37) - Don't neglect reserves; slow down (37:55) - Avoid emotional buys; follow numbers (40:41) - How to contact with Mortgage Expert, Bryan Maddex (42:10) - DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns 🎙️ Episode - Is 5% down enough to start investing in real estate? Learn the legit strategies, loan options, and risks you need to understand before making your move. 📄 Show Notes: -------------------------- ADDITIONAL RESOURCES 💵 Need Investor-Friendly Financing? This is who I trust → 🏠 TurboTenant – Streamline Your Property Management for Free: 📱 DealMachine – Software to help you buy more real estate deals:

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#476: 5% Down Rental Loans: When They Work (And When They Don't) is an episode from Real Estate & Financial Independence Podcast by Chad Carson.

This episode is 42:50 long.

This episode was published on Feb 23, 2026.

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