FHA fourplex with 3.5% down (~$7,000)
Britton purchased a $245,000 fourplex using an FHA loan, requiring only about $7,000 out of pocket with 3.5% down, while generating $3,450/month in rents.
Snapshot · BiggerPockets Real Estate Podcast
I Bought 15 Rental Units While Making $15/Hour Putting Up Fences
Explore episode
Jun 22, 2026
Where this was said
Deal #1: The $70,000 Sight-Unseen Duplex
At 8:32 · chapter starts 4:30
This chapter is equal parts horror story and beginner miracle. Britton negotiated the asking price down from $80,000 to $70,000 with a single counter-offer, the seller so eager to exit that he simply agreed. What Britton didn't know — because he never went to look — was that the building was over a century old. Henry Washington's incredulous reaction ('That thing was over 100 years old well before you made an offer') lands as one of the episode's funniest lines, but it carries a serious undercurrent. The saving grace was that existing tenants were paying about $1,000/month, so the property was at least livable and income-producing. Washington credits that fact with protecting Britton from a far worse outcome. [1] — Britton Eads "I bought this duplex, I had never seen it. I didn't do an inspection. I didn't even know how old it was. I didn't know anything about it." 03:15
$500–$600/month cash flow on duplex
After renovating and re-renting the duplex for $1,800/month, Britton's payment, insurance, and reserves totaled roughly $1,200, leaving $500–$600 monthly cash flow.
The FHA Hack: A $245K Fourplex for $7,000 Down
Most investors ignore FHA loans for multi-family properties, but Britton used one to buy a $245,000 fourplex with just 3.5% down — about $7,000. The property now generates $3,450/month with three Section 8 tenants and a fourth unit, all for under $255,000 all-in.
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