Pillar 3 of 4 · Heaviest Y3–10
Building Cashflow
Turn capital into income streams.
Strategies that convert a capital base into monthly income that arrives whether you worked or not: rentals, small multifamily, short-term stays, lending. The bridge between working for money and money working.
The strategies
House hacking1 filedLiving in the deal — the lowest-risk first door there is, and the financing order that keeps your next two purchases possible.Single-family rentals3 filedThe boring backbone: buying, underwriting and holding SFRs that clear their debt service at honest numbers.Small multifamily1 filedDuplex to fourplex and up to the five-unit line where everything changes: lending, insurance, and your weekends.Short & mid-term rentals1 filedSTR and MTR as an income multiplier — hospitality operations, regulation risk, and when the extra yield stops being worth the extra job.Lending & notes1 filedBeing the bank: hard money lending, note investing, and earning real estate returns without owning a toilet.Operations & managementbeing builtProperty managers, systems, and the written numbers that turn a pile of doors into a business that runs without heroics.
Filed to this pillar — 7 pieces, ordered by horizon
Y1Why your first deal should be boringThe returns you brag about at Year 3 are the reason you quit at Year 6.Single-family rentalsRoadmap1mY3DSCR loans: what underwriters actually checkNot your income. Six things on the property, in the order they look.Single-family rentalsDeep dive1mY3House hacking: the complete guide to living for free in your first rentalBuy a 2-4 unit property with 3.5-5% down, live in one unit, let the tenants pay the mortgage. The math, the loans, the trade-offs, and the financing order that protects your next two deals.House hackingRoadmap6mY3How to analyze a rental property: the complete walkthrough (with real numbers)Income, expenses, financing, returns — the full underwriting sequence, the 1% rule and the 50% rule put in their place, and the numbers that make a lender say yes.Single-family rentalsRoadmap6mY6Investing in small multifamily: why duplexes to fourplexes are the sweet spot2-4 unit properties get residential financing with commercial-grade income — the best risk-adjusted format in residential real estate, and the five-unit line where everything changes.Small multifamilyDeep dive5mY6Short-term vs. long-term rentals: the real numbers behind the Airbnb premiumSTRs can gross 1.5-2x what a lease pays — and keep far less of it than the gross suggests. The full comparison: revenue, expenses, regulation risk, and the mid-term middle path.Short & mid-term rentalsDeep dive5mY8Note investing and hard money lending: real estate returns without owning a toiletBeing the bank: how private lending and mortgage notes work, the yields, the underwriting that keeps you safe, and why lenders sleep better than landlords.Lending & notesDeep dive5mCourses in this pillar
Being built.
The other pillars