In this episode, we sit down with Matt Krueger. He is a full-time real estate investor based in Des Moines, Iowa. He started his real estate journey with a low income and has since built a substantial portfolio of properties. Matt and his wife have been able to achieve financial freedom through creative financing strategies and by house-hacking multiple properties. Matt shares his journey from being a cell phone sales rep to building a substantial real estate portfolio. He started by buying a property with only 3% down and living in it for a year before renting it out. He repeated this process five times, house-hacking each property. Eventually, he scaled his portfolio by getting creative with financing and using a home equity line of credit. Matt currently has 10 long-term rentals and 2 short-term rentals and is focused on optimizing his existing properties. Matt emphasizes the importance of taking action and being willing to make sacrifices to achieve financial freedom. "Don't wait. Find a way to make it happen."Timestamp:00:03:23: Guest intro, HOA regulations in Texas, and risks of STRs.00:05:13: HOA regulations, Matt and Rafa's connection, challenges, and starting in real estate.00:07:52: Matt's journey, property acquisitions, financing, renovations, and managing expenses.00:18:00: Cash flow, property locations, homeschooling, and management software preferences.00:23:15: Short-term vs long-term rentals, property quality, and handling tenant calls.00:24:13: Hospitable software, homeschooling benefits, speaker's experience, and college views.00:29:45: Speaker's background, family, balancing real estate, sacrifices, and long-term goals.00:35:32: Cash-out refi, unique projects, and financial freedom through real estate.New episode every Wednesday!#TheBigBreakShow #RealEstate #MattKruegerConnect with Matt Krueger!Instagram: @rental.cashflowTiktok: @rental.cashflow For Audio Podcast, Subscribe and Listen to The Big Break Show HERE:SpotifyAppleConnect with Rafa Loza on Social Media:Instagram FacebookIf you’re interested in Rafa’s Course, check the link to his STR Academy Application: Stride AcademyConnect with Jesse Vasquez:LinkTreeInstagramThe Ultimate Guide to Finding & Buying STR’s, let’s run your analytics: https://calendly.com/airventurehostingMASTERMINDS/ GROUPS:Facebook: Airbnb - The Big Break ShowClubhouse: Airbnb The Big Break