What You Can Do With $5,650 Down 1. House hacking with FHA or similar low‑down‑payment loans FHA loans allow as little as 3.5% down, but you must live in the property for at least a year. You can buy a 2–4 unit property, live in one unit, and rent the others. This is one of the most accessible ways to start investing with a small down payment. 2. Partnering with another investor You contribute the $5,650 as part of the down payment. Your partner brings additional cash or credit. You split equity, cash flow, or responsibilities. 3. Seller financing The seller acts as the lender. Down payments are negotiable—sometimes very low. Works best with motivated sellers or properties that need work. 4. Lease‑option / rent‑to‑own deals You pay an upfront option fee (your $5,650 could work). You control the property and can sublease or improve it. You buy it later at a predetermined price. 5. Buying land or very low‑cost property in certain markets Some rural or distressed markets have prope...
