February 23, 2026

#476: 5% Down Rental Loans: When They Work (And When They Don't)

42 minutes

📅 Schedule an Appointment with Bryan → https://www.coachcarson.com/bryan-pod-476

⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-476

▶️ Next Episode: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

Apple: https://podcasts.apple.com/us/podcast/413-dscr-loans-explained-how-to-qualify-without-a/id1448707654?i=1000709881289
Spotify: https://open.spotify.com/episode/2L6FtKOwQzRhRaSjlFTHOd?si=JQjaSeDcRb2INGPokmRJBw

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🎬 Topics Covered:

(00:00) - Low down payment strategy overview
(00:56) - 5% down owner-occupied conventional explained
(02:01) - Cosigning strategy and real example
(05:47) - Investor phases and scrappy financing
(06:54) - Repeat annual house hacks to scale
(08:23) - FHA basics and self-sufficiency test
(09:41) - FHA vs conventional: costs and credit
(11:24) - VA loan: zero down benefits
(13:47) - Second home loans with 10% down
(18:35) - Cash-out refi and HELOC mechanics
(20:39) - Risks, LTV limits, and cushions
(24:27) - Using seller concessions to save cash
(28:21) - BRRRR overview: buy, rehab, refinance
(31:23) - Imperfect BRRRR still moves you forward
(32:35) - BRRRR wins: singles to grand slams
(33:58) - Rates impact cash-out and cash flow
(36:19) - Common mistake: ignoring post-move cash flow
(36:37) - Don't neglect reserves; slow down
(37:55) - Avoid emotional buys; follow numbers
(40:41) - How to contact with Mortgage Expert, Bryan Maddex
(42:10) - DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

🎙️ Episode #476 - Is 5% down enough to start investing in real estate? Learn the legit strategies, loan options, and risks you need to understand before making your move.

📄 Show Notes: https://www.coachcarson.com/5percentdownrentals/

--------------------------

ADDITIONAL RESOURCES

💵 Need Investor-Friendly Financing?

This is who I trust → https://www.coachcarson.com/bryan

💰 Invest in real estate with your retirement account → https://coachcarson.com/heritage-pod

📱 DealMachine – Software to help you buy more real estate deals: https://www.coachcarson.com/dealmachine-pod

...more

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By Chad Coach Carson

4.9

602602 ratings

February 23, 2026

#476: 5% Down Rental Loans: When They Work (And When They Don't)

42 minutes

📅 Schedule an Appointment with Bryan → https://www.coachcarson.com/bryan-pod-476

⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-476

▶️ Next Episode: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

Apple: https://podcasts.apple.com/us/podcast/413-dscr-loans-explained-how-to-qualify-without-a/id1448707654?i=1000709881289
Spotify: https://open.spotify.com/episode/2L6FtKOwQzRhRaSjlFTHOd?si=JQjaSeDcRb2INGPokmRJBw

--------------------------

🎬 Topics Covered:

(00:00) - Low down payment strategy overview
(00:56) - 5% down owner-occupied conventional explained
(02:01) - Cosigning strategy and real example
(05:47) - Investor phases and scrappy financing
(06:54) - Repeat annual house hacks to scale
(08:23) - FHA basics and self-sufficiency test
(09:41) - FHA vs conventional: costs and credit
(11:24) - VA loan: zero down benefits
(13:47) - Second home loans with 10% down
(18:35) - Cash-out refi and HELOC mechanics
(20:39) - Risks, LTV limits, and cushions
(24:27) - Using seller concessions to save cash
(28:21) - BRRRR overview: buy, rehab, refinance
(31:23) - Imperfect BRRRR still moves you forward
(32:35) - BRRRR wins: singles to grand slams
(33:58) - Rates impact cash-out and cash flow
(36:19) - Common mistake: ignoring post-move cash flow
(36:37) - Don't neglect reserves; slow down
(37:55) - Avoid emotional buys; follow numbers
(40:41) - How to contact with Mortgage Expert, Bryan Maddex
(42:10) - DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns

🎙️ Episode #476 - Is 5% down enough to start investing in real estate? Learn the legit strategies, loan options, and risks you need to understand before making your move.

📄 Show Notes: https://www.coachcarson.com/5percentdownrentals/

--------------------------

ADDITIONAL RESOURCES

💵 Need Investor-Friendly Financing?

This is who I trust → https://www.coachcarson.com/bryan

💰 Invest in real estate with your retirement account → https://coachcarson.com/heritage-pod

📱 DealMachine – Software to help you buy more real estate deals: https://www.coachcarson.com/dealmachine-pod

...more