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

Real Estate Investing with Coach Carson

Release Date: 02/23/2026

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More Episodes

📅 Schedule an Appointment with Bryan → https://www.coachcarson.com/bryan-pod-476

⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-476

▶️ Next Episode: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

  • Apple: https://podcasts.apple.com/us/podcast/413-dscr-loans-explained-how-to-qualify-without-a/id1448707654?i=1000709881289

  • Spotify: https://open.spotify.com/episode/2L6FtKOwQzRhRaSjlFTHOd?si=JQjaSeDcRb2INGPokmRJBw

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🎬 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 #476 - 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: https://www.coachcarson.com/5percentdownrentals/

 

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