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 properties under $50k.

A 10%–20% down payment could fall near your budget.

These require careful due diligence.

6. Using your down payment for a BRRRR‑style deal

Buy a distressed property with creative financing.

Renovate, rent, refinance, repeat.

Your $5,650 might cover the initial option fee or private‑money closing costs. Call Today 510-709-5243 Mr Fred-The People's Realtor website: fredshelton.kw.com