One Rental At A Time How to Buy Investment Property with ONLY 10% Down
Oct 14, 2025
Explore the innovative 50-40-10 strategy that allows for investment properties with only 10% down. Hear a real success story from a listener who navigated delays to finally close a deal. Delve into practical examples of purchase math and negotiation tactics that leverage cash offers. Discover the benefits of blended interest rates on cash flow and learn how tailoring offers to seller motivations can lead to win-win scenarios. Gain insights into creative financing methods and the advantages of seller notes over lump sums.
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Why 50-40-10 Lowers Your Blended Rate
- Combining a first and second loan can lower the blended mortgage rate and monthly payment.
- The 50-40-10 (90% CLTV) structure makes high leverage work when executed correctly.
Listener Deal Closed After Delays
- Stephen Dow described a listener, Jeff, who finally closed a 50-40 deal after delays due to contingencies.
- The delay worked in Jeff's favor because rates dropped and Stephen honored the lower rate.
Make Multiple Offers To Capture Sellers
- Present multiple offers including a low-cash option and a higher price with seller financing to capture motivated sellers.
- Offer a mix like $300k cash or $375–380k with some equity taken as a note to negotiate toward a win-win.