House Hacking with FHA to Build a Portfolio

Most rookies think you need a mountain of cash to buy a rental property, but the truth is that the financing strategy you choose matters much more than the size of your bank account.

Today, we’re breaking down five of the best (and sometimes overlooked) ways to get your hands on the money you need to close—from low-money-down bank loans to options that let you bypass the bank altogether!

Welcome back to the Real Estate Rookie podcast! In this episode, Ashley and Tony share some of their favorite ways to fund real estate deals in 2025. Whether you’ve got very little money saved or already have a sizable down payment, we’ve got options for every budget. You’ll learn how to put less money down with FHA and conventional loans, but we’ll also share several strategies that allow you to use other people’s money (OPM)—like real estate partnerships, private money, and seller financing!

Already own your home? We’ll even show you how to tap into your existing home equity so that you always have funds on hand—money you can use to build a real estate portfolio much faster than you thought possible!

In This Episode We Cover

Five of our favorite ways to fund your first or next rental property

How to put low money down on a rental (even with an FHA or conventional loan)

Three creative financing strategies that allow you to bypass the bank

How to pitch seller financing as a win-win scenario for both sides

How to get fast funding by tapping into the home equity from your primary residence

Four ways to find the right partner for your next real estate deal

And So Much More!

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