Real Estate Financial Planner™

Real Estate Financial Planner™

You Don’t Need a Down Payment—You Need Eligibility

Most investors confuse the two.

James Orr's avatar
James Orr
Jan 09, 2026
∙ Paid

One of the most common things I hear from new investors is this:

“I just need to save up a down payment.”

That sounds reasonable.
It sounds responsible.
It also quietly delays a lot of portfolios.

Because in some cases, the problem isn’t cash.

It’s eligibility.

VA and USDA loans both allow investors to buy property with little—or nothing—down.

And yet most peop…

User's avatar

Continue reading this post for free, courtesy of James Orr.

Or purchase a paid subscription.
© 2026 James Orr · Privacy ∙ Terms ∙ Collection notice
Start your SubstackGet the app
Substack is the home for great culture