How Much Cash Do You Really Need to Start Investing?
The answer? Less than you think.
No, really. You don’t need $100K sitting in a bank account to get started in real estate. What you need is a good deal, a smart strategy, and the right connections.
Let’s break it down.
💸 1. Wholesaling = $0 to $1,000
Find a deal, get it under contract, assign it to a buyer.
You may need earnest money or marketing funds—but often, you can wholesale with no cash if your paperwork game is tight.
🏚️ 2. Flipping = $10K–$50K
Flips require cash for down payments or reserves, but it doesn't have to be your cash.
Hard money lenders often fund 80–90%
Private lenders can cover the rest
You bring the deal, the team, and a plan—and let the money come to you.
🏘️ 3. Buy-and-Hold = $5K–$30K
Using conventional financing or seller financing, you may need:
Down payment
Closing costs
Some repair capital
But creative strategies (like house hacking, subject-to, or lease options) can dramatically reduce out-of-pocket cash.
✅ Pro Tip:
Stop asking, “Do I have enough money?”
Start asking, “What’s the minimum cash I need for this strategy with this deal?”
Because once you understand how to structure and fund creatively—your cash ceiling disappears.
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