TBT: Ask Marco - Can I Invest with Low Income and Poor Credit?

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

Business:investing, Education, Entrepreneurship, How To, Investing, Business

4.8 • 953 Ratings

🗓️ 28 August 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes In this episode, we tackle a common question from aspiring real estate investors: Can you start investing with low income? The short answer is no—but don’t be discouraged. This episode breaks down the essential tools you can build to make real estate investing possible, even from a challenging financial starting point. We explore the “Three C’s” every investor needs: Cash, Credit, and Competence—what they mean, how to build them, and how to leverage them to move forward. Plus, we dive into creative solutions like partnering with others and contributing sweat equity when funds are limited. Whether you’re stuck at a low-wage job, struggling to save, or unsure how to improve your credit, this episode lays out clear, actionable steps to help you start your journey toward financial freedom through real estate. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as webclasses, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to What Lenders Really Look For (and How to Avoid Last-Minute Loan Nightmares) Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.

Transcript

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0:00.0	Welcome to passive real estate investing, the show where busy people like you learn how to build
0:05.7	substantial passive income while creating wealth for the long term. And now, here's your host, Marco
0:11.7	Santorelli. Hello, my friends. Welcome back to passive real estate investing, where we dive into
0:17.4	the world of real estate investing, among other related topics to help you with your real estate investing journey. Today, we're doing something a little different.
0:25.8	We're going to take a trip down memory lane and showcase an important episode from the past
0:30.5	on what we call our Throwback Thursday episode. Now, whether you've been with us since the beginning,
0:36.2	which goes back to 2015,
0:38.3	or you're tuning in for the first time, this episode is a must listen. We are revisiting one of our
0:45.0	more popular episodes from the past. And believe me, what we discussed back then,
0:49.8	whether it's six months ago or six years ago, is just as relevant today. So sit back, relax,
0:56.7	and let's rewind the clock for this great episode. Enjoy. Welcome back to another episode of
1:02.8	Marko, where I answer your investing related questions. Today's question comes from Aaron, and he asks,
1:09.0	Hi, Marco, I'm a big fan of your podcast, and I've
1:11.5	been doing my due diligence and research on real estate investing for a couple of months now.
1:16.2	I really want to be a real estate investor, but my financial and credit situation is not good.
1:21.2	Can I still be a real estate investor with low income and poor credit?
1:25.6	Interesting question, Aaron.
1:27.0	Short answer, no. but don't be discouraged because
1:30.5	I'm going to explain what you need and what you need to do. So it just makes it tough. If you have
1:36.0	low income, it might make it difficult to qualify for financing. Maybe there are loans out there
1:42.9	again, believe it or not, that are asset-based and they don't even
1:45.9	look at your income, so you could literally have no income, no assets, maybe no job and qualify.
	...

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