How to Invest in Real Estate on Lower Income ($50,000 or Less)

BiggerPockets Real Estate Podcast

BiggerPockets

Education, Business, Investing

4.8 • 16.5K Ratings

🗓️ 1 October 2025

⏱️ 48 minutes

🔗️ Recording | iTunes | RSS

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Summary

This is how to buy rental properties on a lower salary ($50,000 or less per year) in six steps. If you think you need to be rich to buy rentals, you couldn’t be more wrong. In fact, real estate may be the best investment for those who want to go from low income to financial freedom. You can grow your portfolio faster by using loans, get cash flow that can retire you early, and even make hundreds of thousands completely tax-free. We’re going to share multiple strategies you can use on a lower income to get your first property for as little as 0% down. Dave is also highlighting three real estate investing strategies that beginners with little money can use to maximize their investment the most. This means you could turn one investment property into multiple, supercharging your investment so you can repeat it and become wealthier faster, regardless of how much you make at work. Listen, you DON’T need to make six-figures to buy your first property. This is how you do it with half of that. In This Episode We Cover How to buy your first rental property while making $50,000 per year or less Lower-income loans and down payment options that require little money down The three best real estate investing strategies to multiply your money so you can reinvest faster The first step you should take today if you’re serious about building wealth with real estate Homebuyer grants that offer thousands in assistance available only for lower income limits And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1181 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Do you think you can't invest in real estate because you have a lower income?
0:04.3	Wrong.
0:04.9	It is not only possible to invest in real estate, but I think it's the best way to improve
0:10.2	your financial situation if you're at the lower end of the income ladder.
0:14.4	Even if you only make $50,000 per year, as an example, there are financing options,
0:20.6	government programs, and investing
0:22.2	strategies specifically designed to help you get into your first real estate deal and progress
0:28.0	towards financial freedom from there. Today, I'll break down why investing in real estate makes
0:33.0	sense, even if it seems unachievable at first glance. I'll share which strategies to focus on if income is your main barrier to entry,
0:41.9	and I'll share a few programs to check out that could be a total game changer.
0:51.4	What's up, Bigger Pockets Community?
0:53.2	I'm Dave Meyer, and welcome back to the Bigger Pockets Real Estate podcast.
0:57.8	Today, we are tackling one of the most common questions I hear from our community.
1:03.1	Basically, I want to start investing in real estate, but I'm only making $50,000 or less per year.
1:09.5	Is it even possible? And let me just tell you right off the bat,
1:13.6	the answer is absolutely yes. In fact, some of the most successful investors I know started
1:19.9	with modest incomes and limited capital. And today we're going to break down exactly how you can
1:25.6	get started even on a tight budget. First, I'm going to share
1:29.9	seven different funding options to consider if you have a low income. Then I'll talk about my
1:35.3	favorite investing strategies for people who are capital constrained. And I'll finish up the
1:41.0	episode by going sort of step by step through how to take action on your first
1:46.1	investment. So if you're making $50,000 or even a little more than that, this episode is designed
	...

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