Justin Brown-Nuhome Team

Most people think fixing up a house only works one way: • Pay cash • Have a large down payment • Or don’t do the deal at all That’s outdated thinking. And yes, there are ways to do it with little to no money down.

This is why serious investors: • Hold rentals in LLCs • Use business-purpose loans • Stop letting fear stall their growth If no one explained this before — now you know.

Fannie Mae updated its guidance in 2017 allowing LLC transfers when: • The borrower controls the LLC • The loan was securitized after June 1, 2016 • Occupancy rules aren’t violated

Scared of the due-on-sale clause when transferring a property to an LLC? Most people are — and most people are also wrong.

How most people mess up a refi: Old way - See a lower rate - Get a lower payment - Restart a 30yr loan - Pay more long term New way - Recoup costs in under 3 years - Don’t restart the clock - Save long term, not just monthly Lower payment ≠ better loan

Most people think real estate wins are about perfect timing. They’re not. They’re about margin and flexibility: • Conservative underwriting • Multiple exit strategies • Enough buffer to survive surprises Perfect deals don’t exist. Resilient ones do.

If a lender tells a self-employed borrower “you don’t qualify,” what they really mean is: “I don’t know how to structure this deal.”

Own nothing, control everything

Before → After always looks easy on the gram. But it wasn’t. This flip went over time and over budget. Renovations don’t care about your spreadsheet

Real estate doesn’t fix weak finances. It exposes them.

“You need to show more income to qualify.” Reality: You need the right structure. Tax returns, bank statements, P&Ls - different tools for different situations. Most people are told the wrong answer because they’re asking the wrong lender.

Reviewed a self-employed file today that multiple lenders declined. Income wasn’t the issue. Structure was. Most deals don’t get denied — they get misunderstood by lenders with one playbook

Walking one of our renovations today that’s a good chunk over time & budget. Nothing dramatic — just real life: This is why thin margins kill investors. Renovations don’t care about your spreadsheet. Good margins can offer a lot of grace when sht happens, and sht will happen

A lot of people don’t need better investments. They need better income. That realization saves years of stress.

Self-employed? You don’t need to stop writing things off. You need a lender who understands how to read your business. Most don’t. Bank statement loans, P&L loans, asset-based options… The problem isn’t your income — it’s the person reviewing it.

You don’t need rentals to “keep up.” Make more money first — business, sales, side hustles. Real estate only works when you’re already financially strong. Build income. Then invest like an adult. Until then, build income. Then invest like an adult.

Everyone loves cheap BRRRRs and rentals until the bills show up. Your $200/month cash flow disappears the second a tenant moves out not taking into account capex and repairs that go way over the initial estimates Low-end landlording isn’t investing-it’s crisis management.

Stop bragging about a “high yield” savings account. You’re earning pennies while secured real estate debt pays 12% fixed. That’s how money actually works for you.

If your realtor is saying mortgage rates went down .25% yesterday…. Run ….