This is Terio Media.

Hey, strap in! It's time for the epic real estate investing show. We'll be your guides as we navigate the housing market, the landscape of creative financing strategies and everything you need to swap that office chair for a beach chair. If you're looking for some one-on-one help, meet us at

rei-aise.com. Let's go. Let's go. Let's go. Let's go. Let's go. Look, I'm going to level with you.

If you're just looking to buy your first home, awesome. This program could not only save you a ton of money,

but actually make it happen. And hey, I'll show you how to think about it from an investment angle too, because let's face it,

your home is probably the biggest investment that you'll ever make.

Might as well be smart about it.

And if you're specifically here because you want to start investing in real estate but don't

have a ton of cash, even better.

USDA loans might be the most overlooked hack in real estate in 2025.

So here's the deal with USDA loans this year. Here are the basic rules. Zero down. Yeah, for real.

Income limits are $121,550 for up to four people in the household. The property must be in USDA eligible area, and a 580 credit score minimum

for automatic approval. That's it, just 580. And the current rates right now are around

6.5 to 6 and 3 quarter percent. Two, the hidden benefits. You can buy up to 4 units. You

have access to lower mortgage insurance than FHA loans. You can combine with

seller credits to up to 6% of your purchase and your future rental income that can help you

qualify for your next loan. Number three, here the strategy plays. You can house hack with multi

units. You can build landlord experience. You can use your rental income to qualify for your next

loan and you can

refinance after building equity. And here's what most people get wrong, real talk. They think

USDA loans are just for farmland. Wrong. Pull up the USDA eligibility map right now. You'll see

eligible areas right outside major cities. We're talking normal suburbs here,

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