Real Wealth Show: Real Estate Investing Podcast Build-to-Rent: How to Turn New Construction into Cash Flowing Rentals with Natalie Cloutier
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Oct 14, 2025 In this discussion, Natalie Cloutier, a Canadian real estate investor and builder, reveals how she scaled a portfolio to 40 cash-flowing units using the build-to-rent strategy. She shares insights on financing projects with minimal upfront costs and leveraging construction-to-permanent loans. Natalie emphasizes the advantages of infill development and zoning changes for added value. She offers practical advice for aspiring investors, highlighting the importance of reserves and planning for worst-case scenarios in the journey to financial freedom.
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Young House Hack Launched A Portfolio
- Natalie and her husband built their first home at 19 using sweat equity and added a basement apartment to help cover the mortgage.
- That early house hack launched their path into buying more properties and forming a company that now owns 40 units.
Use Construction-To-Perm Loans Strategically
- Do use a construction-to-permanent (auto construction) loan and progressive draws to build with little or no cash out of pocket.
- Do build some of the work yourself to keep costs low and aim to refinance into a mortgage so you recoup initial expenses.
Include Lot In Construction Loan When Possible
- Try to roll the lot purchase into the construction loan when lenders allow it to avoid a separate down payment.
- Expect only a handful of local credit unions or lenders to offer this combined lot+construction financing.