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 […]
An interest-only mortgage gives you the option to pay just the interest for the first several years of your loan term—typically five, seven, or ten years. During this time, your monthly payments are significantly lower than they would be with a fully amortizing loan. That freed-up cash can be reinvested into your business, used to
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
Married, But Uneven Financial Profiles? You Can Still Buy a Home. It’s more common than you think: one spouse has strong credit and steady income, while the other has lower scores, inconsistent employment, or high debt. The good news? You don’t have to wait until both of you are perfectly qualified. Many couples choose to
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: 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: Name: Emily Age: 35 Occupation: ER nurse Goal: Replace income from night shifts within 10 years Location: Richmond, VA The Situation Emily wanted to invest in real estate, but she was overwhelmed by the jargon and didn’t think she had time to manage properties. When we introduced her to the concept of real estate’s 4 wealth streams, everything clicked.