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Laly Espino
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Tuesday 23 June 2026 00:39:07 GMT
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This is a simplified example of how someone could build a portfolio over time (think 5 homes in 10 years). Everyone’s journey will look different. 1. Buy Your First Home as Your Primary Residence Start by purchasing a home you’ll actually live in. Buying as an owner-occupant often comes with lower down payment options and more competitive interest rates. 2. Live There for at Least 12 Months Stay in the home for at least a year to satisfy most primary residence occupancy requirements while getting familiar with your property and your neighborhood. 3. Convert That Home into a Rental Once you’ve met the occupancy requirement, you may be able to turn the property into a rental. Place qualified tenants, create cash flow, and let your investment start working for you. (Need a great property manager? I have referrals!) 4. Purchase Your Next Primary Residence After converting your first home into a rental, you may be in a position to purchase another primary residence and take advantage of owner-occupied financing again. 5. Use Rental Income to Strengthen Your Buying Power Depending on the loan program and lender guidelines, you may be able to use a portion of the rental income from your investment property (often up to 75%) to help offset your debt-to-income ratio, making it easier to qualify for your next home. Remember: There isn’t a one-size-fits-all strategy. Your finances, goals, loan program, and timeline all play a role. If you’re wondering what this could look like for your situation, book a call through the link in my bio, and let’s create a plan that fits your goals. Shalena Triplett  @itslr.realtor  404-618-6470 UC Premier Properties  Shalenat.realtor@gmail.com
This is a simplified example of how someone could build a portfolio over time (think 5 homes in 10 years). Everyone’s journey will look different. 1. Buy Your First Home as Your Primary Residence Start by purchasing a home you’ll actually live in. Buying as an owner-occupant often comes with lower down payment options and more competitive interest rates. 2. Live There for at Least 12 Months Stay in the home for at least a year to satisfy most primary residence occupancy requirements while getting familiar with your property and your neighborhood. 3. Convert That Home into a Rental Once you’ve met the occupancy requirement, you may be able to turn the property into a rental. Place qualified tenants, create cash flow, and let your investment start working for you. (Need a great property manager? I have referrals!) 4. Purchase Your Next Primary Residence After converting your first home into a rental, you may be in a position to purchase another primary residence and take advantage of owner-occupied financing again. 5. Use Rental Income to Strengthen Your Buying Power Depending on the loan program and lender guidelines, you may be able to use a portion of the rental income from your investment property (often up to 75%) to help offset your debt-to-income ratio, making it easier to qualify for your next home. Remember: There isn’t a one-size-fits-all strategy. Your finances, goals, loan program, and timeline all play a role. If you’re wondering what this could look like for your situation, book a call through the link in my bio, and let’s create a plan that fits your goals. Shalena Triplett @itslr.realtor 404-618-6470 UC Premier Properties [email protected]

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