# #476: 5% Down Rental Loans: When They Work (And When They Don't)

Page: https://stenobird.com/podcast/real-estate-investing-with-coach-carson-240587/476-5-down-rental-loans-when-they-work-and-when-they-don-t
Text version: https://stenobird.com/podcast/real-estate-investing-with-coach-carson-240587/476-5-down-rental-loans-when-they-work-and-when-they-don-t.md
Podcast: [Real Estate Investing with Coach Carson](https://stenobird.com/podcast/real-estate-investing-with-coach-carson-240587)
Published: 2026-02-23T10:00:00+00:00
Episode link: https://coachcarson.libsyn.com/476-5-down-rental-loans-when-they-work-and-when-they-dont
Audio file: https://traffic.libsyn.com/secure/coachcarson/476_BRYAN_PODCAST.mp3?dest-id=835577
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JSON: https://stenobird.com/v1/public/podcasts/real-estate-investing-with-coach-carson-240587/episodes/476-5-down-rental-loans-when-they-work-and-when-they-don-t
Duration seconds: 2570

## Resource

📅 Schedule an Appointment with Bryan → https://www.coachcarson.com/bryan-pod-476 ⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-476 ▶️ Next Episode: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns Apple: https://podcasts.apple.com/us/podcast/413-dscr-loans-explained-how-to-qualify-without-a/id1448707654?i=1000709881289 Spotify: https://open.spotify.com/episode/2L6FtKOwQzRhRaSjlFTHOd?si=JQjaSeDcRb2INGPokmRJBw -------------------------- 🎬 Topics Covered: (00:00) - Low down payment strategy overview (00:56) - 5% down owner-occupied conventional explained (02:01) - Cosigning strategy and real example (05:47) - Investor phases and scrappy financing (06:54) - Repeat annual house hacks to scale (08:23) - FHA basics and self-sufficiency test (09:41) - FHA vs conventional: costs and credit (11:24) - VA loan: zero down benefits (13:47) - Second home loans with 10% down (18:35) - Cash-out refi and HELOC mechanics (20:39) - Risks, LTV limits, and cushions (24:27) - Using seller concessions to save cash (28:21) - BRRRR overview: buy, rehab, refinance (31:23) - Imperfect BRRRR still moves you forward (32:35) - BRRRR wins: singles to grand slams (33:58) - Rates impact cash-out and cash flow (36:19) - Common mistake: ignoring post-move cash flow (36:37) - Don't neglect reserves; slow down (37:55) - Avoid emotional buys; follow numbers (40:41) - How to contact with Mortgage Expert, Bryan Maddex (42:10) - DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns 🎙️ Episode #476 - Is 5% down enough to start investing in real estate? Learn the legit strategies, loan options, and risks you need to understand before making your move. 📄 Show Notes: https://www.coachcarson.com/5percentdownrentals/ ----------------------…

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