Client Profile: Name: Crystal Age: 31 Occupation: Digital marketing specialist Goal: Buy a first home that could also become a rental Location: Raleigh-Durham, NC The Situation Crystal was eager to buy her first property — but overwhelmed. Every day, new listings popped up that were “cute,” “cozy,” “charming,” or just barely within her price range. She’d been casually browsing for […]
Client Profile: Name: Kyle Age: 34 Occupation: Commercial airline pilot Goal: Buy a townhouse now, upgrade to a larger home in 5–7 years Location: Charleston, SC The Situation Kyle had just finished his first full year making six figures and was ready to purchase his first home. He wanted a 3-bedroom townhome close to the airport — but didn’t want
Client Profile: Name: Simone Age: 29 Occupation: Social worker Goal: Buy 3 doors by 35 and create passive income for early retirement Location: Kansas City, MO The Situation Simone was renting, saving diligently, and listening to every real estate podcast she could find — but feeling paralyzed about where to start. She was flooded with questions: “Should I house hack
Client Profile: Name: Malik Age: 34 Occupation: Commercial painter Goal: Buy a home before starting a family Location: Atlanta, GA The Situation Malik was preapproved in late 2020 for a $340,000 home with a 2.75% interest rate.He toured several properties, but got spooked by bidding wars, rising prices, and the media’s “bubble talk.” He decided to “wait 6 months” for
Why Buy One Property When You Can Strategically Buy Two? Savvy buyers are taking advantage of creative mortgage strategies that allow them to purchase both a primary residence and an investment property—at the same time. It’s called a combo loan approach, and it could be your ticket to building wealth while covering your own housing needs. Whether
Client Profile Name: Ben J. Age: 34 Profession: Real Estate Investor / Property Manager Location: Columbus, OH First Property Purchase Price: $148,000 Rehab Budget: $31,000 ARV (After Repair Value): $225,000 Loan Types Used: Fix & Flip → DSCR Refinance Exit Strategy: Reuse equity for BRRRR round two The Challenge Ben was ready to scale his portfolio, but needed a reliable lending strategy to execute
Client Profile: Name: Marisol Age: 47 Occupation: Owner of a mobile pet grooming business Goal: Lower taxable income while building long-term wealth Location: Austin, TX The Situation Marisol was making great money from her business — grossing over $185K/year — but when tax season hit, her CPA kept delivering bad news. “I was working hard, but writing huge checks to
Client Profile: Name: John Age: 30 Occupation: Logistics manager Goal: Get out of the rent cycle and stabilize monthly expenses Location: Austin, TX The Situation John was renting a 1-bedroom apartment for $1,780/month. Every year, the rent climbed — $75 here, $100 there. He liked the flexibility, but hated the feeling of having no control over his cost of living. When his
Client Profile: Names: Travis & Kelsey Ages: 42 & 40 Occupations: Software engineer and teacher Goal: Buy a forever home with the lowest possible long-term cost Location: Salt Lake City, UT The Situation Travis and Kelsey were approved for a $615,000 home and had solid income. Their loan estimate came back with a 6.75% rate and no points. They told us:
Client Profile: Name: Brandon Age: 37 Occupation: Firefighter Goal: Buy his first rental and generate income for early retirement Location: Phoenix, AZ The Situation Brandon had $60,000 saved and was approved for a $450,000 purchase. He originally planned to buy a single-family rental in a new-build neighborhood because it “seemed easier.” We sat down and ran a side-by-side comparison using
Client Profile: Names: Damien & Krystal Ages: 40 & 38 Occupations: HVAC technician & high school teacher Goal: Protect their home and children in case something happened Location: Columbia, SC The Situation Damien and Krystal had just closed on their dream home — a 4-bedroom in a quiet neighborhood, with a $475,000 mortgage. During their post-closing planning session, we brought