How to Buy Rental #2, #3, or #4 When You’re Out of Funds (Rookie Reply)

Stuck at one rental property? Maybe you spent years saving for that first down payment, and now, your funds are depleted. Where do you go from here? Not to worry—we’ll show you how to get past this common rookie roadblock and buy your second, third, and fourth deals!

Welcome to another Rookie Reply! Ashley and Tony are back with more questions from the BiggerPockets Forums, the first of which is about scaling when you’re out of cash. Some rookie investors throw their entire savings at that first investment property, so do you really have to start over to buy the next one? Maybe you don’t! We share a few strategies that will help you grow your real estate portfolio faster.

Insurance premiums have risen in many markets, but what do you do when they actually kill your deal, wiping out any potential cash flow? Abandon the deal entirely? Go back and negotiate with the seller? We also hear from an investor who wants to build an Airbnb business and take advantage of the short-term rental tax loophole, but is struggling to pick a market. We’ll help them narrow down their options!

 

Looking to invest? Need answers? Ask your question here!

In This Episode We Cover

How to scale your real estate portfolio when working with limited funds

Using creative financing to buy rental properties with less money down

How to reduce your taxable income with the short-term rental loophole

What to do when insurance costs blow up your real estate deal

How to find and choose the best short-term rental markets for 2026

And So Much More!

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