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Passive Real Estate Investing

TBT: Financing Multiple Properties with Only One Salary

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

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

4.7 • 967 Ratings

🗓️ 26 March 2026

⏱️ 12 minutes

🧾️ Download transcript

Summary

Click Here for the Show Notes Today’s question from Carlos cuts straight to a fear many aspiring investors quietly carry: how do you keep buying properties if your salary stays the same? In this episode, we unpack the real mechanics behind scaling a real estate portfolio—without needing a skyrocketing income. You’ll discover how lenders actually view your finances, why rental income (even at just 75%) can become your biggest ally, and how mastering your debt-to-income ratio is the key to unlocking multiple mortgages. If you’ve ever wondered how investors grow from one or two properties to a full portfolio, this conversation will connect the dots and show you what’s truly possible. Tune in now to learn how to turn cash-flowing properties into your pathway to financial freedom—and start building your strategy today. -------------------------------- 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Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated.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 TBT: Investing in Condos and Neighborhood Grades 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 substantial passive income while creating wealth for the long term. And now, here's your host, Marco Santorelli.

0:13.0

Hello, my friends. Welcome back to passive real estate investing, where we dive into the world of real estate investing, among other related topics, to help you with your real estate investing journey.

0:23.5

Today, we're doing something a little different.

0:26.2

We're going to take a trip down memory lane and showcase an important episode from the past on what we call our throwback Thursday episode.

0:34.6

Now, whether you've been with us since the beginning, which goes back to 2015,

0:38.7

or you're tuning in for the first time, this episode is a must listen. We are revisiting one of our

0:45.4

more popular episodes from the past. And believe me, what we discussed back then, whether it's

0:51.0

six months ago or six years ago, is just as relevant today. So sit back,

0:56.5

relax, and let's rewind the clock for this great episode. Enjoy. Today's question comes from

1:02.4

Carlos, and he says, hey, Marco, I recently found your podcast that have been eating episodes

1:08.0

trying to get myself educated on real estate and passive income. While following a lot of

1:13.2

these episodes, there is one question that keeps popping into my head. How can I get financing

1:17.7

for two, three, or say even six or seven properties as years go by? And I save enough money to

1:23.6

keep acquiring more houses. But my salary does not change much over the same number of years.

1:29.3

Let me explain with an example, and I am going to borrow, you're always easy to digest $100,000

1:35.5

example to illustrate my point. Let's say I make $100,000 a year for my regular jobs salary.

1:43.7

Let's assume I already have a mortgage on my primary home

1:46.7

and a second one on an investment house. I am able to save $20,000 from my salary every year,

1:52.9

which conveniently enough, it represents the exact down payment needed to buy one $100,000 house

1:58.8

every year. The problem is my salary doesn't go up very much every year.

2:03.6

To make things simple, let's say it remained unchanged for the next five years. In those five years,

2:09.9

I would be planning to purchase five $100,000 houses, which would bring the total count of mortgages

...

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