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Rental Income Podcast With Dan Lane

The HELOC Strategy That Lets Him Buy Rentals Over and Over With Ryan Blackstone (Ep 569)

Rental Income Podcast With Dan Lane

Rental Income Podcast

Business, Investing, Entrepreneurship

4.8836 Ratings

🗓️ 14 April 2026

⏱️ 30 minutes

🧾️ Download transcript

Summary

Ryan is using a simple but powerful strategy to build his rental portfolio, and it all starts with a HELOC.

Instead of going through traditional financing, Ryan uses a line of credit to buy properties, using what appears to be cash. That gives him a huge advantage when making offers. After closing, he funds the renovations with the same credit line, focusing on cosmetic upgrades like flooring, fixtures, and paint to dramatically increase value.

Once the property is stabilized, Ryan completes a cash-out refinance, pays off the HELOC, and repeats the process.

On this episode, Ryan breaks down the exact system he’s using and explains what he believes are the two key steps to building wealth with real estate.We also get into:
  • How he qualified for his HELOC
  • Creative ways to access lines of credit (even outside of real estate)
  • A full breakdown of one of his deals
  • Purchase price, rehab costs, rent, and mortgage numbers
  • How he budgets for expenses and manages risk
https://rentalincomepodcast.com/episode569

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Transcript

Click on a timestamp to play from that location

0:00.0

Inspiring interviews with today's top landlords.

0:04.7

This is the Rental M-Comcast.

0:07.7

And now, Dan Lane.

0:09.6

Ryan, tell me how you're funding your rental property purchases.

0:14.1

Yeah, basically it depends on the seller, but I will use my line of credit to actually purchase it as like cash and then fix it up and then refinance it back out.

0:25.8

On the podcast today, we're going to get some more details on exactly how Ryan is using his helock to buy rental properties.

0:33.3

We'll take a look at one of his deals and go over all of his numbers.

0:39.3

And Ryan is also going to share some pretty good information with us about the two steps to building wealth. Joining us on the

0:45.1

show today from Springdale, Arkansas is Ryan Blackstone. We'll take a quick break to thank our sponsors.

0:51.5

We'll come right back and we'll talk to Ryan. Are you thinking about

0:55.2

investing in rental properties, but maybe you don't know where to start? My friends at Mid-South

1:01.1

homebuyers make it simple. For over 23 years, they've been selling fully renovated

1:06.8

turnkey rental properties in Memphis and Little Rock. We're talking new roofs, plumbing, electric kitchens, bathrooms.

1:15.1

Everything is brand new and done right.

1:17.7

And here's the best part.

1:19.5

Every property comes with a well-qualified tenant in place before you close.

1:24.7

That means you get cash flow from day one.

1:29.9

Plus, Mid-South continues to professionally manage the property for you after the sale, and they back it up with two powerful guarantees.

1:35.9

You get a one-year total maintenance warranty and a lifetime occupancy guarantee. Personally, I've

1:43.5

bought five properties from them them and I couldn't be

1:45.8

happier. If you want to talk to someone that's been through the process, feel free to reach out to me.

1:51.3

I'm happy to answer any questions or if you're ready to get started, just go to midsouthhomebuyers.com.

...

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