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The Triplex Blueprint: 3.5% Down to a $170 Housing Payment

The free guide that shows first-time buyers exactly how I stopped renting and bought a 2–4 unit property with low money down — with every figure pulled from my actual closing statements.

  • The full breakdown of a $377,400 triplex bought with an FHA loan
  • What it really cost to close: ~$24,400, not the 20% everyone assumes
  • The net housing cost formula — the one number that decides a deal
  • The rotation method: renovate one unit, move, re-lease it higher
  • How the same property went from $170/mo to paying me $1,820/mo
  • The deal analyzer worksheet I run on every property
  • Five mistakes that cost first-time house hackers real money

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What's inside

8 pages. No filler.

This isn't a teaser for a course. It's the actual deal math, the formula, and the worksheet.

The numbers that started it all

Purchase price, loan type, rate, cash to close, and the rent roll at move-in — line by line, straight from the settlement statement.

$377,400FHA @ 3.95%

The rotation, phase by phase

How a light cosmetic renovation and one internal move took the property from near-free housing to paying me every month.

3 phasesMove in, rotate, move out

The only formula that matters

Ignore cap rate on your first deal. Net housing cost is the number that tells you whether a property is worth pursuing.

70–80%Rent-to-payment coverage target

The deal analyzer worksheet

Fillable line items covering payment, taxes, insurance, MI, repair reserve, vacancy buffer, and rents. Ten minutes per property.

10 minPer property
Ready to run your own numbers?Get the blueprint and the worksheet, free.
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