Building a Portfolio While Working Full-Time
Steven built a 300-unit portfolio while working 10–12 hour retail shifts.
What he did:
• Worked retail days and handled real estate at night
• Pushed through 14–15 hour days early on
• Lived at home to reinvest everything
• Used DIY only for learning
• Followed his mentor and Building Wealth
• Bought the worst house on the block to force appreciation
How you can apply it:
• Use early mornings, nights, and weekends
• Treat your job as part of your investment strategy
• Reinvest heavily at the start
• Lean on mentorship to avoid mistakes
Protecting Income to Stay Lendable
What he did:
• Kept his job stable for five years
• Used job income to qualify for loans
• Lived frugally to reinvest more
• Avoided decisions that hurt lending
How you can apply it:
• Maintain strong income while you scale
• Build relationships with lenders
• Keep expenses low to stay bankable
Delegation as a Scaling Tool
What he did:
• Started with DIY
• Shifted to contractors as he grew
• Focused on decisions, not labor
How you can apply it:
• Learn the basics, then outsource
• Build your contractor list early
• Protect your time
Early DIY for Education
What he did:
• Learned repairs, pricing, and contractor language
• Only DIY’d long enough to get educated
How you can apply it:
• Use early DIY as temporary training
• Learn enough to evaluate bids and avoid overpaying
Designing a Low-Risk Buy Box
What he did:
• Targeted middle/upper-low-class areas
• Bought the worst cosmetic house
• Sought overlooked value-add deals
How you can apply it:
• Choose areas where dollars go further
• Focus on cosmetic value-add
• Avoid overinflated neighborhoods
How He Funded His First Deals
What he did:
• Used a credit-card cash advance for his first down payment
• Borrowed 85% from a local bank
• Made cosmetic improvements with more credit
• Refinanced to pull out capital
• Recycled the same money repeatedly using BRRR
How you can apply it:
• Use creative funding if you lack cash
• Recycle capital whenever possible
• Judge lenders by structure, not rate
• Run your numbers carefully
The Real Sacrifice Behind His Growth
What he did:
• Worked 14–15 hour days
• Juggled retail, rentals, and relationships
• Faced burnout
• Stayed disciplined for five years before leaving his job
How you can apply it:
• Expect short-term sacrifice
• Build systems to protect your health
• Pace yourself to avoid burnout
• Set realistic timelines for your season of life
Website: https://ericlindseyml.com/
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey
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By Eric Lindsey
5
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Building a Portfolio While Working Full-Time
Steven built a 300-unit portfolio while working 10–12 hour retail shifts.
What he did:
• Worked retail days and handled real estate at night
• Pushed through 14–15 hour days early on
• Lived at home to reinvest everything
• Used DIY only for learning
• Followed his mentor and Building Wealth
• Bought the worst house on the block to force appreciation
How you can apply it:
• Use early mornings, nights, and weekends
• Treat your job as part of your investment strategy
• Reinvest heavily at the start
• Lean on mentorship to avoid mistakes
Protecting Income to Stay Lendable
What he did:
• Kept his job stable for five years
• Used job income to qualify for loans
• Lived frugally to reinvest more
• Avoided decisions that hurt lending
How you can apply it:
• Maintain strong income while you scale
• Build relationships with lenders
• Keep expenses low to stay bankable
Delegation as a Scaling Tool
What he did:
• Started with DIY
• Shifted to contractors as he grew
• Focused on decisions, not labor
How you can apply it:
• Learn the basics, then outsource
• Build your contractor list early
• Protect your time
Early DIY for Education
What he did:
• Learned repairs, pricing, and contractor language
• Only DIY’d long enough to get educated
How you can apply it:
• Use early DIY as temporary training
• Learn enough to evaluate bids and avoid overpaying
Designing a Low-Risk Buy Box
What he did:
• Targeted middle/upper-low-class areas
• Bought the worst cosmetic house
• Sought overlooked value-add deals
How you can apply it:
• Choose areas where dollars go further
• Focus on cosmetic value-add
• Avoid overinflated neighborhoods
How He Funded His First Deals
What he did:
• Used a credit-card cash advance for his first down payment
• Borrowed 85% from a local bank
• Made cosmetic improvements with more credit
• Refinanced to pull out capital
• Recycled the same money repeatedly using BRRR
How you can apply it:
• Use creative funding if you lack cash
• Recycle capital whenever possible
• Judge lenders by structure, not rate
• Run your numbers carefully
The Real Sacrifice Behind His Growth
What he did:
• Worked 14–15 hour days
• Juggled retail, rentals, and relationships
• Faced burnout
• Stayed disciplined for five years before leaving his job
How you can apply it:
• Expect short-term sacrifice
• Build systems to protect your health
• Pace yourself to avoid burnout
• Set realistic timelines for your season of life
Website: https://ericlindseyml.com/
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey