🦋 Single-Family is the Cocoon. Multifamily is the Butterfly 🦋
And the good news? You don’t need a bank to grow the wings 👇 📌 Bookmark this. It’s a decade of hard-earned lessons in one post. I know exactly where you’re standing right now. • One roof → one loan → one insurance policy → one tax bill • A portfolio that’s growing… but also growing headaches • Quietly wondering: How do I ever get enough doors to live off this? Here’s the hard truth: Every new single-family rental you buy locks you into another version of a full-time job. The Exit Strategy You don’t “work harder.” You change how you think. You swap the single-family operator brain for the commercial owner brain. Three shifts. Seven moves. No banks required. The 3 Shifts 🔁 Shift #1 | Lens Stop asking: “Is this a nice house?” Start asking: “Is this a viable, scalable business?” 🔁 Shift #2 | Leverage Mortgage loans = permission slips + lender hoops Seller terms = partnership + win-win conversations One caps you. The other frees you. 🔁 Shift #3 | Scale Multiple doors. One roof. One insurance policy. One tax bill. Complexity shrinks. Cash flow compounds. The 7 Moves That Lock It In 1️⃣ Hunt mom-and-pop owners who own free and clear They’re tired. They’re retiring. They’re thinking about Florida and golf. 2️⃣ Lead with two words: “tax savings” Lower taxes for them. Better terms for you. 3️⃣ Give them their price… over time Terms > price. Always. 4️⃣ Structure the note intentionally • Small down payment • Reasonable interest • Delayed balloon You get cash flow. They get certainty. 5️⃣ Underwrite like a business Income → Expenses → NOI → Value If it doesn’t cash flow on conservative numbers, you pass. 6️⃣ Plug in a real team after closing Property management Maintenance Bookkeeping You run the playbook. You don’t turn the wrench. 7️⃣ Rinse. Refine. Repeat. Commercial value is built, not appraised. Every $1 of NOI you add can create $15–$20 of equity. Will most sellers say no? Yes. Do you need most sellers? No. Just a few. Traditional lending has its place.