The ONLY Real Estate Strategy I’d Start With in 2026
Wealthy Way
Ryan Pineda
4.9 • 2.2K Ratings
🗓️ 3 February 2026
⏱️ 10 minutes
🧾️ Download transcript
Summary
If you want to start your real estate investing business, we'll give you 1:1 coaching, seller leads, software, & everything you need. https://www.wealthyinvestor.com
If you're wondering how much money you really need to start investing in real estate, the answer depends entirely on your strategy, and I break down each one step by step. Whether you're looking to flip, buy rentals, or wholesale, I explain the real costs, risks, and timelines involved.
For beginners, wholesaling is often the fastest and most affordable way to get started, and with the right systems, coaching, and motivated seller leads, you can start closing deals in 30–45 days. That’s exactly why we built Wealthy Investor, to give you everything you need to launch and scale a real estate business, even if you're starting from scratch.
__________
If you want to start your real estate investing business, we'll give you 1:1 coaching, seller leads, software, & everything you need. https://www.wealthyinvestor.com
Join our private mastermind for elite business leaders who golf. https://www.mastermind19.com
Join free Bible studies and workshops for Christian business leaders. https://www.tentmakers.us
__________
CHAPTERS:
0:00 – How Much Cash Do You Really Need?
2:50 – Why Wholesaling Is the Easiest Way to Start
6:58 – What It Really Costs to Start Wholesaling
Learn how to invest in real estate with the Cashflow 2.0 System! Your business in a box with 1:1 coaching, motivated seller leads, & softwares. https://www.wealthyinvestor.com/
Want to work 1:1 with Ryan Pineda? Apply at ryanpineda.com
Join our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://tentmakers.us/
Want to grow your business and network with elite entrepreneurs on world-class golf courses? Apply now to join Mastermind19 – Ryan Pineda’s private golf mastermind for high-level founders and dealmakers. www.mastermind19.com
---
About Ryan Pineda:
Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue.
Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing.
...
Transcript
Click on a timestamp to play from that location
| 0:00.0 | You should not be making this decision solely based on how much cash you actually have. |
| 0:04.1 | People ask me all the time, how much cash do I need to start in real estate investing? |
| 0:08.8 | And the truth is, it kind of depends on what strategy you want to pursue. |
| 0:12.7 | If you want to flip or buy rentals, then you're going to need to either have a lot of your own cash or raise cash. |
| 0:17.9 | If you choose to wholesale, it's going to be significantly less. You should make |
| 0:21.6 | the decision based solely upon your goals and what you are trying to accomplish. And so today, |
| 0:26.3 | we're going to go over step by step what each path can look like. So let's first talk about |
| 0:30.1 | flipping houses or buying rental properties. Now, they may seem like two totally different things, |
| 0:35.1 | but from a cash perspective they're basically the |
| 0:37.8 | same the goal is to buy an undervalued deal that's got a lot of equity in it it just so |
| 0:42.2 | happens that when you flip it you're gonna go tap into that equity and make it |
| 0:45.8 | right away when you sell the property whereas with a rental you're gonna keep that |
| 0:49.3 | property let the equity grow get tax advantages and then one day cash in later the amount of money that you'll need to do a flip or a rental is the exact same. If the average house in America right now is around $500,000, you're going to be able to go get a loan for about 80 to 90% of that amount. That means a hard money lender or a bank is going to give you a loan for $400,000 or $450,000. And that means you're going to have to figure out where to go get $50,000 to $100,000 for the down payment, plus you're going to need some money for closing cost, plus you're going to need money to start your renovation, plus you're going to need money to cover your monthly payments. You could go find private money lenders. These are people who already have money |
| 1:28.3 | that don't necessarily want to find deals or handle construction and do all that, but they're more |
| 1:32.9 | than willing to go fund your deal for you. And so you could go get a loan from a bank or from a |
| 1:37.7 | hard money lender for $400,000 or $450,000 and then go borrow $100,000 from somebody you know that's a friend or a family member |
| 1:46.0 | that wants to go in on this deal with you. Now, if you have all of those things in play, here's what |
| 1:50.2 | I'll say. Should you buy a rental or should you buy a flip? Well, if you're not making at least $200,000 |
| 1:56.1 | a year in income, my advice is you start flipping. You see, if you flip a couple of houses a year and go |
| 2:02.1 | make an extra six figures in your life every single year, that is a really big deal. That could |
| 2:07.5 | change your family's life. That could change the school system you're in. That could change the |
| 2:11.4 | vacations. It could help you retire your parents. Adding another six figures a year to your |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Ryan Pineda, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Ryan Pineda and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.