Sammy makes over 20k per month in passive income from continuing the FHA Strategy to build her real estate portfolio in just 5 years. Learn how you can build your real estate portfolio with little money down.

FHA Investing

The FHA real estate strategy can help you build a Multimillion dollar portfolio with little money down with each purchase. FHA loans allow you to purchase Multifamily properties from 2-4 units. Requirements for purchasing an FHA loan are very similar to purchasing a residential property but better! With Multifamily properties, you can be approved for a higher loan amount because lenders factor in residential income that comes from the property. As an FHA borrower, you are required to use the property as your primary residence for a minimum of 12 months, after; you have the option to refinance into a conventional loan and use an FHA loan on another Multifamily property. If done once a year, you can continue to build your real estate portfolio fairly quickly. Once you reach your target goal, you can then refinance on one or all properties you own, up to your loan limits and use funds to fund other real estate deals.

Real estate investing refers to the process of purchasing, owning, managing, and selling properties, with the goal of generating a return on investment, either through rental income, appreciation, or the sale of the property. Real estate can include residential properties, commercial properties, and industrial properties, among others. The success of real estate investing depends on several factors, such as the location, condition of the property, and the current real estate market. Real estate investors may also make use of various investment strategies, such as flipping, rental properties, or REITs (Real Estate Investment Trusts). Real estate investing can be a complex field, and it is important for investors to have a thorough understanding of the market and seek professionals’ advice.


Buying property in real estate investing involves purchasing a piece of real estate with the intention of generating income or long-term appreciation. This can be done by renting out the property to tenants, flipping it for a profit, or holding onto it as a long-term investment. Before buying a property, it’s important to conduct thorough market research to identify areas with high demand and potential for growth, as well as to assess the condition of the property and any necessary repairs or renovations. It’s also important to have a clear understanding of the associated costs, such as mortgage payments, property taxes, and maintenance expenses. Additionally, it may be helpful to work with a real estate professional to ensure a smooth and successful transaction


Holding property in real estate investing refers to purchasing a property with the intention of keeping it for an extended period of time, usually with the aim of generating income through rent or appreciation. The goal of holding the property is to create long-term wealth by benefiting from the increase in property value and steady cash flow from rental income. It requires a significant upfront investment and a commitment to maintaining the property but can offer a stable source of income and a potential for capital gains. Holding property can also be a hedge against inflation and can offer tax benefits, making it a popular strategy among real estate investors

Real estate flipping refers to the process of buying a property with the intention of quickly reselling it for a profit. This strategy involves finding undervalued properties, fixing them up, and then selling them for a higher price to generate a profit. The goal of flipping is to maximize returns by taking advantage of market trends and short-term changes in property values
Flipping is a high-risk, high-reward investment that requires significant capital and a good understanding of the real estate market. The success of a flip depends on the ability to buy properties at a low price, carry out renovations or improvements efficiently, and sell the property at the right time for a good price
The real estate market is constantly changing, and it’s important for flippers to stay informed about market trends, regulations, and changes in consumer preferences. Flippers must also be prepared for the possibility of a property taking longer to sell or not selling at all, which can result in losses
In conclusion, real estate flipping can be a lucrative investment strategy, but it requires careful planning, market research, and a good understanding of the real estate market. Potential flippers should seek professional advice and be prepared for the risks and challenges associated with flipping properties


Potential for long-term appreciation: Real estate values tend to increase over time, providing potential for long-term gains
Tangible asset: Real estate is a physical asset that can be seen, touched, and lived in, making it a more concrete investment than stocks or bonds
Income potential: Investing in rental property can provide a steady stream of passive income in the form of rent
Tax benefits: Real estate investing provides several tax benefits, such as deductions for mortgage interest, property taxes, and maintenance expenses
Diversification: Adding real estate investments to a portfolio can help diversify it, reducing the overall risk
Control and flexibility: As a real estate investor, you have greater control over your investment and the ability to make decisions that can positively impact its performance
Forced savings: Investing in real estate often requires a significant upfront investment, serving as a form of forced savings and helping to build wealth over time.


Lack of Liquidity: Real estate investments can be illiquid, meaning it can be difficult to sell a property quickly. This can make it challenging to access capital in a timely manner when needed

Market Uncertainty: The real estate market can be unpredictable and subject to fluctuations, making it challenging to accurately forecast future market conditions and property values

Financing: Obtaining financing for real estate investments can be challenging, particularly for those with limited financial resources or credit

Maintenance and Repairs: Owning real estate properties require ongoing maintenance and repairs, which can be costly and time-consuming
Location: Location is a key factor in real estate investing, and properties in desirable locations can be difficult to find and afford
Competition: The real estate market can be competitive, with many investors vying for a limited number of properties

Legal and Regulatory Issues: Real estate investments are subject to a variety of laws and regulations, and navigating these can be challenging

Tenant Issues: Owning rental properties can come with challenges, such as finding and retaining tenants, dealing with rent collection, and managing tenant complaints and disputes

In conclusion, real estate investing can be a valuable addition to an investment portfolio. It offers the potential for long-term wealth creation through rental income and property appreciation. However, it is important to thoroughly research the market and understand the potential risks and responsibilities involved in owning rental properties. It is advisable to seek the advice of a financial advisor and conduct due diligence before making any investment decisions. Real estate investing can be a complex and ever-changing field, so ongoing education and market monitoring are key to success

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