Think you need a big down payment to get into real estate? Think again. In this episode of The Rich Somers Report, Rich sits down with real estate investor and educator Joshua Villareal to unpack how he and his clients are buying properties across the country using zero-down strategies—and maximizing cash flow through co-living models.

Rich and Josh discuss:

• How to acquire 3 properties in 3 years with no money down
• The VA loan, Navy Federal Military Choice, and HomeBuyers Choice loan programs explained
• Why only 6% of military members are using one of the most powerful wealth-building tools available
• How “super house hacking” and co-living can turn break-even properties into cash flow machines
• Using ADUs, seller credits, and cost segregation to build equity and offset taxes

Josh shares real-life case studies—including how he turned a $6,500 out-of-pocket duplex into a high-performing asset with six figures in equity and a profitable ADU build. Whether you’re in the military, a veteran, or a civilian ready to invest smart, this episode lays out the blueprint for buying real estate with little to no money down.

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