BTM184: No and Low Money Down Home Loans with Matthew Gouge

Does your mortgage broker invest in real estate? If not – It’s possibly one of the best way to make sure that they have your best interest at hand as an investor. The only way to think like an investor is to be one.

Today’s guest, Matthew Gouge aka Matt The Mortgage Guy negotiated over 250 loans last year alone for his clients – all while actively building up his real estate portfolio of single family homes and small multifamily residences. On today’s show we discuss exactly how first time homebuyers as well as seasoned investors can take advantage of the popular no and low money down loan programs that are offered to most people. With interest rates at an all time low, what are you waiting for?

Key Points From This Episode:

  • The difference between the 4 no and low money down loans
  • The power of house hacking a 4-plex
  • Why the 2021 real estate growth is nothing like the 2006 real estate growth
  • Why Matt doesn’t recommend a down payment assistance program
  • How to use a owner occupied mortgage to grow your investment portfolio


Links Mentioned in Today’s Episode:

Matthew’s Website

Recommended Book:

Shoe Dog by Phil Knight

Listen to this book for free!

Lifestyle Design App:

CDS Rental Calculator

BTM158: A House Hacking Guide To Become Debt Free with Shawn Rea

This episode will highlight how today’s guest – real estate investor, Shawn Rea, went from 25K in debt to a 6M portfolio in just a few short years. He did all of this by first using the house hacking investment strategy and the the brrrr strategy (buy, rehab, rent, refinance, repeat).

If you’ve needed a strategy to extinguish your debt once and for all while getting your feet wet in real estate in one of the most powerful ways possible then this episode is for you.

Links Mentioned in Today’s Episode:

Shawn’s Website

BTM63: Triple Case Study A to Z

Recommended Book:

The Millionaire Fastlane by Mj DeMarco

Listen to this books for free with Audible!

Lifestyle Design App:

BTM Tribe Facebook Group

BTM 99: Afford Anything: Freelancer to Millionaire with Paula Pant

Today’s guest, Paula Pant, a freelance writer (but actually much more) started out making $21,000 a year in 2005.


With a knack for saving and a frugal lifestyle (even sometimes sharing a 3 bedroom apt with 5 roommates), she was able to save a whole years worth of money to travel the world and backpack in Europe with a cost of living less than 1k per month. When she returned back to her dreaded job, she realized that things could never be the same after such an amazing experience.


Paula went from freelance writing as a hobby in 2006 to a full time writer in 2010, writing for some really big outlets. 18 months later Paula had a 6 figure income and said good riddance to her JOB (Just Over Broke).


One of the biggest value-bombs dropped on the episode was a moment we were discussing the sacrifice to save, simple but profound – it boils down to how bad you want it. “The more roommates you have, the cheaper rent gets”. Paula practice this until her rent was just $200, at which point she could save heavily.


Today Paula is a millionaire in every sense of the word. As a thriving real estate investor and writer she gives us a ton of advice to pursue an afford anything life.


Key Points From This Episode:

  • Why Paula bought a one way ticket to Egypt
  • How Paula spent the next 2 years backpacking in Asia and Australia
  • How Paula was able to save 25K only making 21K a year salary
  • Why it “pays” to be a digital nomad
  • How you can use freelancing to fund your real estate dreams
  • The benefits of house hacking at any age


Links Mentioned in Today’s Episode:

Paula’s Website

Before the Millions Books:

Millionaire Next Door

7 Habits of Highly Effective People

Rich Dad Poor Dad

Stumbling Into Happiness

The Power of Habit

Listen to this books for free!

Lifestyle Design App: Wunderlist

Life-Hack: Run Your Own Business!

Free Training: Building A Lifestyle Business Through Real Estate Investing

BTM 01: Setting Up your Financial Future with Sunny Burns

On today’s show we’re speaking with engineer, Sunny Burns. Sunny makes grenades for the DOD for fun; yep, the Department of Defense, while also selling pacifiers online. Sunny paid for his tuition in college by selling 19 cars. Sunny is a real estate investor who got a start house-hacking a fourplex. He is currently getting paid to live for free. This is one of my favorite subjects to educate others on, so when I found out what Sunny did and how beastly of a deal he got, I knew I had to have him on the show.


Sunny is the definition of an entrepreneur and has multiple streams of passive income. At 26 years old, Sunny is on the fast track to financial freedom all while maintaining a full-time engineering job at the DOD. I am sure you will get tons of value of this show, because I know I did, and you will like the little bit about travel hacking midway through the show.


Key Points From This Episode:

  • Find out more about Sunny’s short term business goals in real estate and life.
  • Hear Sunny’s story, his background, and how he grew up in a family that had little money.
  • Sunny shares his beliefs about money & how it can affect your marriage.
  • What inspired Sunny to pursue his entrepreneurial mindset, allowing him to pay his tuition.
  • Learn how Sunny got started in real estate for the first time.
  • Hear the story of how Sunny’s stock grew by 1,000%, and why he does not suggesting trading in the stock market.
  • Understand more about Amazon FBA and Sunny’s history as an eBay shipper.
  • Sunny shares the story of how he was able to get a free trip to Japan, by travel hacking.
  • How being frugal helped Sunny get started in entrepreneurship
  • Understand why Sunny believes that most people are held by from the millions by their own limiting beliefs.



[spp-tweet tweet=”“You find the right product, you create these systems and it’s just a passive cashflow business for you.” — @FamVestor”]

[spp-tweet tweet=”“We live frugally, but we do it awesomely.” — @FamVestor”]


Links Mentioned in Today’s Episode:

The Best Real Estate Investing Advice Ever Show

Sunny on Twitter

Connect with Sunny

Bigger Pockets Podcast

Sunny’s Website: FamVestor

The Amazing Seller Podcast

Outwitting the Devil by Napoleon Hill


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