BiggerPockets Real Estate Podcast

How to Invest in Real Estate on Lower Income ($50,000 or Less)

73 snips
Oct 1, 2025
Real estate isn't just for the wealthy! Learn how to acquire rental properties with a yearly income of $50,000 or less. Discover financing options like FHA loans and down payment assistance programs that require minimal upfront costs. Explore creative strategies such as house hacking and the BRRRR method to scale your investment. With actionable steps and tips on negotiating and market research, you'll be equipped to turn limited income into financial success.
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ADVICE

Use FHA For Low-Down, Owner-Occupied Starts

  • Use an FHA loan to buy owner-occupied multiunit properties with as little as 3.5% down.
  • FHA accepts credit scores ~580, allows gifts, and counts some rental income toward qualification.
ADVICE

Shop Conventional Low-Down Options Too

  • Consider conventional low-down-payment programs (3–10%) as an alternative to FHA.
  • Compare PMI, interest rates, and underwriting to pick the best lender offer.
ADVICE

Partner To Overcome Capital Or Credit Limits

  • Raise capital through partners who supply down payment, credit, or qualification credentials.
  • Offer to run and manage the deal while partners provide money or qualifying power.
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