Dropping Bombs How I Own 40 Houses With $0 Down (100% Financing Unlocked)
Jan 28, 2026
Ali Choucair, a young real estate investor who scaled from wholesaling to 40+ rentals, shares his zero-cash-down playbook. He explains using hard-money lenders and BRRRR to fund purchases and rehabs. Hear stories of big wins, mentorship, hiring contractors, spot‑ting distressed properties, and the systems he uses to scale rapidly.
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Scale With The BRRRR Playbook
- Use the BRRRR method: buy, rehab, rent, refinance, repeat to extract equity and keep cash-flowing properties.
- Refinance to pull out most of your invested capital and retain the property while capturing tax and equity benefits.
Leverage Hard Money Lenders
- Use hard-money lenders like Kiavi to fund purchase and 100% of construction so you rarely need large cash reserves.
- Start with small down payments (e.g., 10%) and refinance after rehab to recover capital and scale fast.
Credit Flexibility Beats Income Proof
- Kiavi accepts borrowers with about a 660 credit score and no income documentation for rehab loans.
- That underwriting lets entrepreneurs without W-2 income still access sizable rehab capital quickly.
