| by Kenneth Chase | 100 comments

0053 Multiple Ways You Can Purchase Rental Properties

portable real estate investment dot-com a property investment guide to creating real estate income for properties priced under 30 thousand dollars hello this is Lisa Phelps and welcome to affordable real estate investments.com it’s where I give you honest and a practical guide to real estate investing at a price you can afford but it’s how i purchased my properties people seem to be very interested in this question and I’ve alluded to it in different ways in my previous podcast but i will give you like succinct, i have four properties right now how I got them and please remember you guys can always an easy way to look at different things as go to my website and go under different categories I’ve contractors, financing mindset strategy, and you know click financing and you can see all the methods that I’ve done and it’s categorized under that for your convenience so it should be pretty great and thank you all so much i’m glad that you’re tuning in to find out about properties under thirty thousand dollars i hope that you have found some when you’ve done your search and realize that you know there’s a whole swath of working-class neighborhoods that are perfectly nice that you can invest in and it doesn’t just there’s not just two of them it’s all over the country okay there’s tons of working-class neighborhoods and some of the information out there on real estate investing it doesn’t even talk about this it just goes straight from super high-end to a war zone and it doesn’t have to be like that and if you haven’t paid attention to the economy there’s a huge swath of working-class neighborhoods and it’s going to be a bigger swath of working-class neighborhood so getting it now and getting your foot and your stamp on a certain neighborhood will help as it starts to as this becomes more of a norm and it’s funny because i meet other real estate investors and they buy these two hundred thousand dollar rental or investment properties and it doesn’t cash flow so you know they’re just only making the payment which is fine you know and they’re looking to pay off their investment in 15 to 20 years now that’s sort of cute and it’s a strategy but maybe it’s the engineer in me that goes you know well for 15 i pay off my property in two to four years and for the next you know, 12 years, i make eight thousand dollars a month so i’m making you know over, 12 years, i can make ninety six thousand dollars, so you’re hoping for appreciation at the end of 15 to 20 years but we don’t know this economy, we’re not, we don’t know if we’re just going to go up up and up from what I’ve seen we’re only going down in the wages department so I mean so betting on that long term it has to appreciate I think we’ve all got caught up in it and you know i’m earning money off of property I own a lot sooner when I look at my working-class neighborhoods so so just understand that not only are you doing this because it’s probably more affordable for you to start at this real estate investing, there’s a lot of information that doesn’t talk about it but this is the thing that we all need to start talking about so you know you’re gonna be first and you know if you follow in my footsteps to see what I’m seeing to really lay the groundwork for 15 years out you know what you’ve done is really going to you know be seen in that macro light anyways you can get more properties doing it my way too you can do one a year and not necessarily stretch your finances but you know 10, 15 years down the road you can sell this one, keep that one, but you’ve built up a portfolio in different neighborhoods and you know, we are the future, our working class real estate investments and that’s just it so it’s a good thing that I’m glad that you guys can follow and be a part of this phenomenon and so yeah so please check me out I’m on the Windows 8 Phone podcast and I’m going to look into getting on the apple itunes podcast but you catch me there so if you just have your phone and you want to check out and hear some back podcasts and some pack episode specifically in what you’re doing you do it anywhere in the world as long as you have your cell phone and a connection to your service provider so that is made for you to make it more convenient but yes we are on Windows 8 Phone podcast who has Windows 8 Phone I do that’s why I started there so I’m also going to try to go on Android and the iphone marketplace and i’ll let you know and that happens but sometimes it’s nice to just listen to something while you’re doing something else so and that’s why i spread this video like this instead of me riding like four pages for you to read you can listen you can do what you need to do but you still get the content especially me, I’m a really auditory type learner so if I’m just listening that’s how i absorb you know I don’t even need to see anything else all right so let me get into answering your question about how i purchased my properties so, so the first property I ownd was actually in vegas and i bought it at the top of the market that’s the one I lost to foreclosure, which is why I got started on this real estate investing strategy because I knew it was a good thing to do but you know I had a foreclosure so what do you do you know you have to shift your price point that’s what you do and learn how to do it well and competently so I had house in Vegas but I got laid off my job in 2008 remembered start at that time and I found a job out in Ohio, now I found the job in Ohio when I was working there and I had to rent out the house in Vegas so of course i bought in 2006 at the top of the market. I get laid off in 2008 so I went to Ohio to find a new job and I was paying almost a thousand dollars a month to keep the other one going which is haha the hard thing to do each month but I had to do it to keep current and I had to run it out but the rent didn’t cover what I owed on the mortgage and then um while i was in Ohio’s and so it looks like i was going to be there for some time i bought a thirty-five thousand dollar condo um I learned in Ohio that you can find really nice houses in pretty good neighborhoods for 30k or less and so all of a sudden I was like oh this is opening a new world so I purchased that with a regular mortgage this was before the foreclosure so I had no issues and I had good credit at the time but after i purchased it, that’s when I got laid off again and I wasn’t working so all of a sudden I couldn’t afford to keep this new place where I was actually living versus the older place so I in vegas that i bought for it was like three hundred, four hundred thousand dollars i purchased it for 2006 by the time I foreclosed on it in 2010 it was worth 150,000. So just a massive amount of depreciation on that property for what I stupidly purchased and what it was worth but hey I was actually glad that I did it while I was young um you know I have years ahead of me so I learned the mistake learned my lessons and it actually made me better on the other end you know some people learn from their mistakes, I usually do so um I lost my job again but because the house was 35 k and you’re able to, you know afford that payment so low it’s like after taxes and everything it’s like three hundred and fifty dollars a month this is the mortgage payment so that was my first and then I finally got offered a job in DC, I rented this, I fixed this one out while unemployed and then I rented out when I left to come to DC region to get a new job and that’s when I started looking for the properties under 30k and I found them in Baltimore so that’s the easiest place to go even though i found a lot more since then and so when I went up there there was a house that was held for foreclosure for um thirteen thousand dollars I looked at the neighborhood, neighborhood looked fine i looked at crime reports i went up there and visited its a neighborhood I wouldn’t necessarily live in myself but you know it was, it checked out as far as the crime was concerned and the neighbor, neighbors were fine so I never had anything bad happened I think no one ever stole anything, I didn’t have to worry about that because it was lived in enough and i purchased that one for $13,000 I raided my 401 K so it’s just sitting there I didn’t trust in the market this is after 2006- 2008 I’m being laid off you know there’s like no security I am just done with the stock market and you know being so dependent on employers you know like someone giving me a job so I was burnt at a young age and so it has skewed things so I don’t have a lot of loyalty but it’s also i think has been a benefit because that lack of trust i have in me always having a job and job security meant i had to really hustle, so yeah I had a foreclosure but I was like I’m going to get my real estate investment property. I do not care i am not going to be dependent on everyone, so even if i do one a year by the time I’m 40. I am done I can live off the income I’m getting from it and I’ll find these houses and I’ll fix them up so that one was paid for with my 401k and as I always mentioned you know, there’s different ways you can finance the renovations that one took a little, a lot longer took me a year to do the renovations because it was only my paycheck paying for it so I had to wait a couple a month or two if that’s how much I had to save up and I live very frugally I lived in a one-bedroom apartment I rented out my living room so I’m just saying it can be done if you don’t have a lot of ego in the way and you just have a goal, no ego just a goal rent your room out for a length of time. I don’t do it anymore so you know it’s everything passes but you know that’s what I had to do to save up and get actually you know money so that I can put into the business I mean the real estate investment property and so between lines of credit and my paycheck it took a year but that done I was very happy and I rented it out for $975 a month um so then next I purchased another property this one I haven’t started fixing I’m on the fence it’s in Baltimore too and I’m a little irritated with Baltimore so I might just sell it even though it’s like right across the street from a new school that is being built I might just sell it because it’s so annoying dealing with Baltimore code enforcement it’s amazingly annoying and you know, why do I not have water turned on at this property but i’m paying forty six dollars a month, that’s Baltimore you don’t see this in other parts of the country, so keep that in mind so I don’t know if when invested I even though the rents can be good, so that one was purchased about half a year later once I well once I finished with my first one and I i titled my car so I drive a Honda Civic which are great cars for keeping their values and like you know, I know I advocate using credit but I pay everything off so the only credit I have revolving now is anything that’s being paid for by my houses so i had paid off my car as soon as possible um well what I did for this next house was like, I just I had about 10k in equity. So I used that 10k and i purchased this other property in baltimore for eleven thousand dollars so I’m always telling people pay off your car, pay off your credit card, so you can use them again you know that’s the deal not you keep them high, revolve them, you pay them off and then you use it again. you know I get these lines of credit from wells fargo, home projects pay it off, use it again, pay off, use it again. That’s the beauty of this, okay and so that’s how I purchased that third property and then it comes to my fourth property. I’m in Richmond and this one I actually got a personal loan from the credit union so my credits getting better because I had a foreclosure but I pay everything on time, so outside of that said I lost my job I’m in another place like it’s just I couldn’t afford to keep that up and keep my new place up with no job you know and it’s just not happening but you know, ever since then, you know like i said in my ‘how to get over foreclosure’ you don’t you don’t stop paying on everything, you don’t do bankruptcy, you just keep paying on everything, within a year, you’re starting to get accepted for more lines of credit, after two years, your credit score’s get up to your like 680 or so so once it gets up to there and 690 then you can get a little bit more products to you even though you have a foreclosure as long as you are not home related you don’t have as many restrictions it’s just your credit score and your debt-to-income ratio. So I got a personal loan for this last house so I purchased it for about twenty five thousand dollars and I got a personal loan for 30,000 I use some of the personal loan to pay for some of the renovations so the only thing is, at ten percent rate, but you know, I put it in perspective. I’m like hey, do I not do anything and I wait until my credit 740 and I don’t like that because I don’t know how to get my credit to that high like I you know like it’s such a it’s out of your hands, like waiting for that super top credit is like what mumble jumble else do I have to do other than pay everything off you know I paid everything off and I still have you know I can’t break 700 so I don’t like depending on how high credit score to be able to do everything so I got the personal loan at ten percent, I realized yeah it’s ten percent so it’s higher than a three percent mortgage but the thing is you know it’s sort of interesting because now it’s an unsecured loan so if I default in which I don’t plan on doing they can’t take my house because it’s a personal loan and I was able to get the house on a cheap enough price but they also have a five-year repayment schedule so like the whole payments is about six hundred and some dollars each month but you know with just the one house itself it’s paid off in five years now five years to own a property that’s paying for itself? what’s wrong with that especially if your retirement focuses okay take five years and let the house paid for itself. This is real estate investing this is buy and hold. I could flip it if I want to but I don’t like paying the capital gain tax. and I don’t like flipping because i’m in this for to replace my income not just make a lot of income that i’m paying taxes on so i’m okay with that but you know the because it’s five years and a highest interest rate you know it’s not two hundred dollars a month it’s 600 but you paid off in five years so there’s pros and cons and I’m okay with that you know, third house down and things are looking great, it’s starting to snow ball you know I’m going to pay it off faster. I’m paying it off in two years because the other house that i had in baltimore is starting to pay for itself it already paid for what credit was attached to it and is now paying for this so this works. You know it’s at such a low price so that you know it’s easy and fast to pay off all obligations that you created when you were fixing or renovating or purchasing that house so that is how I do it, its a combination between conventional mortgage and then raiding your 401k, you could title your car at these prices or you can obtain a personal loan they’re not the best but you know I don’t have the best current so I just had to do something, I’m just not someone to let things stop me, so if you’re the same, you don’t let things stop you, you’ll be straight you’ll be fine on accomplishing what you really want to accomplish in real estate investing and the last part, how do you you know I give a lot of advice go look at my website and go under financing to find out different ways to finance but a lot of the renovations were either you know we’re mostly paid for by my salary so every two weeks, I’m saving as much as possible different lines of credit and time. You know sometimes it just took time, time for this to pass, time for my credit to improve, time for me to save up money, time for me to figure something else out so that I have more money so a lot of it, is just you investing your time, investing in your time to get you some type of return or help you in your real estate investing and I don’t say that lightly so keep that in mind. So I that is it for today, thank you for tuning in and don’t forget to sign up for my newsletter and thank you so much. A lot of you guys have been liking and commenting and it’s been fun I really like talking all you guys you guys are sort of kooky its such an interesting mix of people who are watching, who watched the blog and the video blog, so it’s really fun interacting with all of you and so, thank you. Trust that you can do anything and that’s what I like to bring that you know if things aren’t perfect, how do you do it or even if you are perfect how do you navigate going into these working-class neighborhoods and getting these properties. If you’ve never done it before or if you’re new, we can learn from each other so I’d like to get this thing coming,you liking my blogs mean I keep fighting to make sure my voice is heard for other people to hear because not everyone’s perfect and I bring the non imperfect way of real estate investing, use credit cautiously but that is how it can be done I used four different products or different things that everyone has available to them and you use what you’re comfortable with and what you can get. If you guys have great credit you’re 18 times ahead of me so it’ll be even easier for you and you don’t have to do it the hard way because of my mistakes that I’ve made makes me have to do things a little harder um so yeah this is lisa phillips with affordable real estate investment.com this is where I give you an honest and practical guide to real estate investing at a price you can afford.Thank you all so so much it’s been fun and great. Thank you


Marcus Offutt

Feb 2, 2017, 4:01 pm Reply

You are like a real person! You seem like one of us and not the millionaire real estate guru that just wants us to like and subscribe. Is $20k enough to start investing? I own a house in the LA area however I cannot afford to buy a rental property here. Im 30 years old and looking to get started in the real estate rental investing

David B

Feb 2, 2017, 3:39 pm Reply

Hi can you tell what's a good way to start finding the properties?


Feb 2, 2017, 1:44 am Reply

Because you have property in multiple states, do you manage them yourself or do you use property management?


Feb 2, 2017, 9:20 pm Reply

well fuck. im not in the US i am in Dubai. cant afford shit here

Deal da Real

Feb 2, 2017, 2:57 am Reply

How do you handle management of out of state properties?

Russ Miller

Feb 2, 2017, 4:38 am Reply

I don't think in any of these videos out here I have heard anyone talk in depth about the struggles of tenants. Like how hard was it to put folks in these homes?


Mar 3, 2017, 9:39 pm Reply

Happy I found your channel! This is exactly what I've been thinking of. I'm Canadian and I see these cheap deals for good houses in the US and I can't believe no one is talking about it! Such a luring investment market <3


Mar 3, 2017, 3:57 pm Reply

Are you uhhh.. in a closet?

Jarrett Harris

Mar 3, 2017, 9:02 am Reply

Thank you for this video! Most videos I've seen the people were already perfectly set up.. had great credit with 20k to put down when getting a 100k loan and so on. So it's good to know that u can get started with low priced houses and make it work.. I'm looking to get started asap. Also, I'm in Richmond!! Lol

Maurice Ellis

Mar 3, 2017, 3:41 pm Reply

I am so proud of you I'll be watching your videos hope u can be my mentor

Darrell K

Mar 3, 2017, 11:07 pm Reply

Great comments and info! I am looking to finance my first. Thanks!

Michael Thomas RE

Apr 4, 2017, 7:50 pm Reply

Hey, I came across your Youtube. I found it to be interesting. I invest in Baltimore real estate also. please send me your email contact info. thx [email protected]

Rob Is Superior /FaZe Robbie

Apr 4, 2017, 7:43 pm Reply

Buy a property with a back yard that can fit some marijuana plants 😉

Rob Is Superior /FaZe Robbie

Apr 4, 2017, 7:46 pm Reply

just kidding good vid

Phips Deus

Apr 4, 2017, 9:28 pm Reply

please go to Stitcher app!!!

Sharlisse Rashied

May 5, 2017, 9:24 pm Reply

I am so glad I found you, much appreciated.

Neequa Eleam

May 5, 2017, 5:24 pm Reply

Super informative!!!! I just purchased my first investment property and your video is inspiring!


May 5, 2017, 2:36 am Reply

This channel is so helpful. great information

Simarjit Kaur

Jun 6, 2017, 5:15 pm Reply

Thanks so much for such an honest, refreshing approach. You should do more public speaking – straight from the heart—- speak to young people etc….great advice


Jun 6, 2017, 5:34 pm Reply

$30K property? NOT in the Washington DC area

Gabriel Díaz Tur

Jun 6, 2017, 6:39 am Reply

Hi, in this video you mention you had 4 properties at that moment, how many do you have now? are they under 30K too?
Thanks in advance

Gabriel Jimenez

Jun 6, 2017, 9:16 pm Reply

Thanks, this was Good stuff. These techniques absolutely
work as I use the same methods (plus a few more) to do the same thing in
my wholesaling business. This might be helpful to your viewers too as
it was a game changer for me in my business… https://findfundflipgrowrich.com/top-10-mindset-hacks


Jun 6, 2017, 12:45 am Reply

I want to buy a house and rent it out!!

David Bryce

Jul 7, 2017, 1:54 pm Reply

I was looking for a new house to buy anywhere here in New York, a lovely house for my family and my extended family as we are thinking of moving before the end of the year, I wanted to celebrate the festive seasons and my promotion at work with them, but I couldn't do that cos my credit score was 523 and I had debt on my credit card too, not on till I was introduced to [email protected] . It's was amazing and couldn't believe my eyes.. It took two month my score went up to 818 and all my debt was cleared and I brought my dream house .. I have no worries, thanks to [email protected] ..


Jul 7, 2017, 10:50 pm Reply

Just discovered you and I'm overjoyed. If it's not too personal can you share your salary range? Do you make above or below six figures? Never thought about using a personal loan instead of a mortgage. The 20% down is a lot. Thanks in advance!!!

Brooklyn Born

Jul 7, 2017, 11:44 pm Reply

Does it make sense to buy a house to rent out in the state you actually live in? especially if you are a newbie? or would you recommend some place nearby to oversee any issues with the property?


Jul 7, 2017, 1:50 am Reply

I need a video telling you how to figure out what a property is really worth and what factors affect price

Im 18 and it should be making 32k per year starting in may of next year I still live at home so i wont need credit or loans to buy a property but i do not want to over pay

All Smiles

Jul 7, 2017, 6:19 pm Reply

YES! Much success! Much appreciated.


Jul 7, 2017, 10:07 pm Reply

Do you have any info on Fully Furnished rentals.. for travel nurses..vendors.. traveling buisnessmen?


Jul 7, 2017, 7:38 pm Reply

Its good to keep going. Great that you don't let things stop you. Even if the terms aren't great, you still learn for other investments what to and what not to do. Otherwise, do nothing, get nothing, learn nothing. Working on my next deal.

Lisa Morrow

Aug 8, 2017, 12:52 am Reply

U r amazing beautiful and grrrreat.


Aug 8, 2017, 6:33 pm Reply

I'm in a MUCH better position credit wise, income wise than she started in….im a man, YET she had the bigger balls out of the 2 of us to go make it happen! What's my excuse??? I should have no excuse. Thanks for this encouraging and informative video. You have a new subscriber in me, and I'm going to go and start making some moves for myself.

Sir-Jacques Major

Aug 8, 2017, 1:12 pm Reply

beautiful testimony

Jameel Mason

Aug 8, 2017, 10:13 pm Reply


Royston Gibbs

Sep 9, 2017, 11:29 pm Reply


Kathie Johns

Sep 9, 2017, 3:41 pm Reply

I tried to sign up but it didn't go past giving my information

Surendra Muddu

Sep 9, 2017, 4:39 pm Reply

house=asset=contains equity+liability equity part or profit part is eaten away by builders and bankers. and left with long 30 years liability, and add rental,,tenants,govt and repairs, you end up in huge liability after 25 years, sounds UN-realistic,god knows !without excel sheet how can you just talk,talk,talk!

Frank Feltes

Sep 9, 2017, 7:43 am Reply

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breemichelle kelly

Sep 9, 2017, 8:57 am Reply

I love this


Sep 9, 2017, 11:52 am Reply

Hi there very informative video . I would like to know what's the best strategy to replace income ?


Oct 10, 2017, 6:15 am Reply

I'm working on raising my FICO, but this is something I can do when I'm ready to purchase real estate.

Tony Choi

Oct 10, 2017, 5:27 pm Reply

I saw on another channel called millennial thinktank an investor who also invest in Baltimore purchased a house for almost 40 plus fix up and plans to refinance what is the difference in thinking why would he do that your method seems much safer

Emmett Marbury

Oct 10, 2017, 11:11 am Reply



Oct 10, 2017, 12:38 am Reply

Get the Free 5 Course Training Bundle here! http://lisa-phillips.thinkific.com/bundles/free-bonus-training-bundle

Jane Heimbichner

Oct 10, 2017, 2:29 am Reply

Omg! Bootstrapping. Ground up investing. Where I’m at right now. Good job!

edie lam

Nov 11, 2017, 12:14 pm Reply

As a landlord, your number one priority is rent payments. Only problem is, it's not always the tenants number one priority.

That’s why we created a program that will hold your tenants accountable and assure you that the rent will be paid on time and in full. If you want better performing tenants, give us a call to see how we can help. Rentremedy(dotcom), 1-800-931-0449


Nov 11, 2017, 5:48 pm Reply

In Cleveland,Ohio it's $26.00 a month Water Off, No Meter, Vacant …Here's your Option pay them $1,500.00  to dig there pipes out the ground,So that you don't have to pay them the $26.00 monthly.What other business get paid like this for not using there service?     Free Money

Jocelyn Waters

Nov 11, 2017, 1:42 pm Reply

Omg, why didn't i think about doing it this way! Thank you for the epiphany!!

Jocelyn Waters

Nov 11, 2017, 1:45 pm Reply

I admire you for being a strong black woman who goes out and makes this happen for herself instead of letting excuses get in her way. The US needs more people like yourself! (I hope you don't mind me saying that)

Infinitude Properties LLC.

Nov 11, 2017, 4:13 am Reply



Jan 1, 2018, 12:59 am Reply

2018 now and still a great video.


Jan 1, 2018, 1:12 am Reply

Great video; thanks! And I peeped that microwave engr book in the background; must be a EE.

BlackRealEstateDetroitInvestors BuyBlackTheBlock

Jan 1, 2018, 9:15 pm Reply

Love your video! I'm going to join your group. Please join mine. 🙂

Kristina A

Jan 1, 2018, 10:45 pm Reply

I wanted to know when you purchase alot of properties do you create a llc or do you keep it in your name.

sobiesky Jimenez

Feb 2, 2018, 11:32 am Reply

Very informative.. Thank you! Are you having a teaching seminar in NYC anytime soon .. ?

Priscilla Savary

Mar 3, 2018, 10:19 pm Reply

Thank you. This was very encouraging.

Q Sharp

Mar 3, 2018, 11:07 pm Reply

Thank you so much for sharing your experience. It was very realistic, transparent, detailed, and informative. There are so many videos on this topic but they arent as helpful yours for a young person in their 20s trying to learn and get into real estate. Thank you and may God keep blessing you with success you are an inspiration.

Gloria Mitchell

Mar 3, 2018, 5:02 pm Reply

This is great information. I just found you today…lol

ronald williams

Mar 3, 2018, 7:52 pm Reply

When u bought your condo and your other house went into foreclosure did they try to come after your other houses or money u had


May 5, 2018, 1:10 pm Reply

I love this video

Tee Bee

May 5, 2018, 5:53 am Reply

Screw those jobs. Live off of multiple properties. Keep up the hard work

KidCity Lynnwood

Jun 6, 2018, 5:17 am Reply

Your visions are unique and informational. Thank you!

KidCity Lynnwood

Jun 6, 2018, 5:24 am Reply

Is it paid off in 5 years for sure? Or is the loan due in 5 years, banks will twist things around and fool you. Be careful!

Marquita Freeman

Jun 6, 2018, 4:57 am Reply

I'm 4 years late, but God has given me an opportunity to invest in property and I feel so blessed to find this video. Thank you girl!! I will start looking for me some property under 30k or 40k since its 2018 ? thank you.

Frankie Lobos

Jun 6, 2018, 5:01 pm Reply

Spoken like a true engineer! I wanted to extend my gratitude for enlightening me on the in's and out's of real estate investment.


Jul 7, 2018, 8:30 pm Reply

It’s 2018 what do you think about the market now?

brother Edward

Jul 7, 2018, 3:24 am Reply

Very intelligent young classy woman!

Millan Gabriel Figueroa

Jul 7, 2018, 11:19 am Reply

Thanks for all the info! What's your take on the effects that gentrification has on the working class residents of said working class neighborhoods that you are inviting investors to make all this money off of? I'm not saying it's totally impossible to be a property owner with ethics, but admittedly most people who invest in poor or working class neighborhoods aren't necessarily worried about the well-being of the neighborhood itself. I'm coming from a working class Latino family, and even though i am now in a place where i can afford to buy property, I will never forget what its like to have wealthy white college kids move into my neighborhood, rents going up, and hearing my mom cry herself to sleep at night when we had no choice but to move out after the rent doubled in our unit. This is especially happening in historically Black and Latino cities. Is this ever a factor for you when you are choosing the neighborhoods? How do you contend with that (if you do)?


Jul 7, 2018, 12:42 am Reply

did you save to purchase cash for the property or a loan?

Xavious Castro

Jul 7, 2018, 2:37 am Reply

What stops the renters from just buying the 20-30K properties themselves?

Greenlight 88

Aug 8, 2018, 5:14 pm Reply

While this information is valuable, I’m nowhere near being able to do any of this lol. I’m almost a year out of undergrad and have about 60k in student loan debt, plus about 7-8k for my last semester. I haven’t worked in almost three years. Folks talking about having 20-30k saved, hell I’d love that! I’m so close to just taking a couple minimum wage jobs and start trying to put money away.

Anthony Wilson

Sep 9, 2018, 1:48 am Reply

great video


Sep 9, 2018, 12:58 pm Reply

Thank you for being so sincere about what you've been through and all, the laid offs, etc, it really allows me to identify with you and kind of picture myself being able to do it too. I'm really interested in RE investing but I always have a hard time picturing myself doing it – I guess because it's always white straight dudes telling their story! Your video is appreciated!

Amber Lema

Oct 10, 2018, 2:59 am Reply


13 Egreenlaw Dickerson

Oct 10, 2018, 2:01 pm Reply

What is all that clutter in the background??☹️

Chisha Sinyangwe

Oct 10, 2018, 8:00 am Reply

SUBSCRIBED! All the way from Africa!

DK Bullock

Oct 10, 2018, 1:33 am Reply

This is an interesting story. It's great that you found a way to success and prosper. There plenty of homes in the Baltimore area in that price range back then and even now.


Oct 10, 2018, 6:39 pm Reply

I would like to know what kind of tenants you’re getting in these houses. I’m from Baltimore and the price range you discussed is usually a fixer upper or in the hood.


Oct 10, 2018, 8:04 pm Reply

This what is missing within the educational system.. use of credit and creating a business rather than going to a job. tks

Michael Evans

Nov 11, 2018, 4:48 pm Reply

I keep you part of my list of real estate videos I listen to, really like your progress. I built a portfolio of properties valued over $700k and net passive income of $3000. Keep doing what you’re doing, great job

Jonah Lamb

Nov 11, 2018, 7:47 pm Reply

Join the military save your money living for free on base. Use your va loan to buy a quad plex $0 down. Live rent free and make a small profit. Use saved money from the last 4 years to buy a second property(duplex or triplex). After 4 years you could have 6 units and be living rent free and bringing in 400-600+ a month in passive income.

Ayanna B

Nov 11, 2018, 1:32 pm Reply

Wow!! I wish i would have known this sooner

Hank Moody

Nov 11, 2018, 12:08 pm Reply

Nice. Very happy to see people making it

Ryan Arnold

Dec 12, 2018, 6:55 pm Reply

Thank you Lisa sooooo much for the videos!! It helps me to get the content as I take my 18 wheels down the road ?!

sobiesky Jimenez

Jan 1, 2019, 5:11 am Reply

Just saying .. I've been told for better credit , just leave 600 $ dollars in a secured account for 6 months and that you improve your credit score. My uncle told me that. Also , thank you for sharing INFORMATIVE videos .. greatly appreciated. ?

Eman Mohamed

Feb 2, 2019, 3:32 am Reply

Wow I finally found a woman in real estate investing with amazing info! New subscriber ? p.s I’m in Baltimore lol

Demetrius Nickens

Feb 2, 2019, 10:33 pm Reply

Goog information 2019 is going to be a good year

Sensitive Sunshine

Apr 4, 2019, 12:44 pm Reply

I love this channel!!! You’re So realistic and down to earth

Cyn City

Apr 4, 2019, 2:32 pm Reply

its 2019 and still my favorite video! can you mentor me, i will pay you!

anthony hernandez

May 5, 2019, 8:11 pm Reply

Can You do this same explanation with a dry erase board


Jun 6, 2019, 7:45 pm Reply

Hi, what do you think about purchasing properties in working class neighborhoods with CRA loans? Do you do one on one coaching and specific analysis of where to purchase properties? My dad has a NYC cab medallion he’s about to lose and he’s always talked about renting properties. My parents and I want to get into purchasing properties. We just need specific help and guidance. Thanks.


Jun 6, 2019, 7:54 pm Reply

When I heard you targeted black professionals with your information, I knew you were someone who understands and could help. Thanks for sharing your story.

Dawn Murray

Jun 6, 2019, 5:43 pm Reply

Wow! So many amazing ideas. My husband and I have three homes. One will be paid off within the next year. I wanted to purchase additional properties, but the mortgages had me rethinking that. But, I’ve started looking into 30-40K homes and it looks doable. Thank you! Do you offer private coaching?

Caroline with love

Jun 6, 2019, 1:26 am Reply

I love your book by the way ?


Jul 7, 2019, 10:47 pm Reply

What were the terms of titling your Honda Civic for $10k? Length/payments for something like this. I had an idea of doing the same.

theodore roberts

Jul 7, 2019, 11:35 pm Reply

This is exactly what I want to do. I'm in my learning phase about property. I'm a future first timer.

Wun Foe

Jul 7, 2019, 12:08 am Reply

Very insightful and inspiring..

phillip aikin

Sep 9, 2019, 10:52 pm Reply

How do you buy sight unseen out of state?

One Rental at a Time

Sep 9, 2019, 2:15 am Reply

Would you be open to being interviewed on my YouTube channel called One Rental at a Time

Kevin Lewls

Oct 10, 2019, 7:23 pm Reply

Besides Baltimore, where are the other inexpensive properties which pay high rental, voucher income?

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