Disclosure: I am affiliated with Renatus, the real estate education company referenced on this page, and I may be compensated if you enroll.
The Real Estate Investment Blueprint · Jon Hyatt

Three properties. $0 of my own money.

How I used creative financing to acquire three assets with $0 of my own money out of pocket, and the step-by-step framework you can use to do the same.

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Jon Hyatt
eXp REO Certified
Jon Hyatt
Investor · Broker · Business Owner
3Assets acquired
$0Of my own money out of pocket
75%Loan-to-value on the example refinance
$12,500Cash left over in the BRRRR example

Photo: Frank L. Dingley House, Auburn, Maine, by Kenneth C. Zirkel, CC BY-SA 4.0, via Wikimedia Commons. Illustrative only; not one of the properties described. Results are not typical.

The foundation

Why education came first

Before I bought my first property, I made the most important investment of my career: my education. Most new investors fail because they try to wing it alone. They get stuck in analysis paralysis or lose money on bad deals.

I was that person until I found Renatus. It taught me creative financing, partner equity, and the BRRRR method, and with that knowledge I acquired three assets with $0 of my own money out of pocket.

Knowledge is the only asset that can never be foreclosed upon.
Jon Hyatt
The results

Three deals, $0 out of pocket

Three different structures. None of them used my own cash.

01
Deal 1

Property management business

Partner equity: I brought systems and management, a partner brought the capital.

Cash-flowing business acquired with $0 personal money
02
Deal 2

Rental property 1

Partner equity: partner funded purchase and rehab, full BRRRR.

Cash-flowing rental with $0 out of pocket
03
Deal 3

Rental property 2

Family equity bridge: funded with equity in a family member's home.

Asset acquired, equity built, family repaid with interest
Strategy 1

Partner equity

Your sweat equity plus someone else's capital.

1

Find the asset

Hunt for undervalued, off-market properties where renovation or better management adds real value.

2

Find the partner

Anyone with capital but no time. Show them a professional deal package with projected returns.

3

Structure the deal

The partner provides the capital. You provide the sweat equity: finding, managing, and scaling.

4

Execute

Run the renovation and operations with real systems so the property performs as projected.

5

Exit or hold

Buy the partner out with a refinance, sell and split the profit, or hold and share monthly cash flow.

Strategy 2

Family equity bridge

Unused home equity, put to work on written terms.

1

Identify

A family member with significant unused equity in their home.

2

Leverage

Use that equity to fund the purchase and rehab, on written terms.

3

Acquire

Buy and renovate the property.

4

Refinance

Refinance on the new value and repay your family member with interest.

5

Repeat

Use what you learned and the equity you built on the next deal.

Protect everyone

  • Always use formal, written agreements to protect everyone
  • Verify your refinance numbers before you commit
  • Only works with a family member who has real equity and understands the risk
The engine

The BRRRR method

Five steps that recycle your capital from one property into the next.

B

Buy

A distressed property at a deep discount.

R

Rehab

Renovate to raise the value.

R

Rent

A tenant covers the mortgage and expenses.

R

Refinance

A new loan on the new appraised value.

R

Repeat

Use the cash out for the next one.

The magic is in the refinance.Here is how the numbers work on a typical deal.
Purchase price$70,000
Rehab$30,000
Total invested$100,000
Appraised value after rehab$150,000
New loan at 75% loan-to-value$112,500
Repay original investment−$100,000
Cash left in your pocket$12,500

The refinance at a glance

Total invested$100,000
Appraised value$150,000
New loan (75% LTV)$112,500
Cash back to you$12,500

Equity left in the house: $150,000 − $112,500 = $37,500.

$150,000 × 75% = $112,500  ·  $112,500 − $100,000 = $12,500

You keep the house, a tenant pays the new mortgage, and every dollar you put in comes back out. Refinance proceeds are subject to closing costs and lender approval.

The system

The $0-down framework

Five phases, in order.

1
Phase 1

Get educated

Understand the math and the legal structures before you buy.

2
Phase 2

Find the asset

Deeply discounted, off-market deals.

3
Phase 3

Choose funding

Partner equity or private money.

4
Phase 4

Execute BRRRR

Forced appreciation and long-term cash flow.

5
Phase 5

Scale

Systematize the process and repeat.

The curriculum

What the education covers

The skills behind all three deals.

Creative financing

Funding deals without your own cash.

Deal analysis

Knowing which numbers work.

Partner equity

Structuring deals with capital partners.

BRRRR method

Recycling capital into the next property.

High-ticket sales

Presenting deals and winning partners.

Business scaling

Systems that let you repeat.

50+classes from Renatus, taught by practitioners, not professors.
Next steps

How to get started

Four simple steps from first call to your acquisition plan.

1

Schedule a free 15-minute discovery call

No cost and no obligation.

2

Talk through your goals

Where you are now, what you have to work with, and where you want to be.

3

See the Renatus platform

A walkthrough of the education, if it fits what you're after.

4

Build your acquisition plan

A customized plan for your first or next property.

Ready to plan your first or next property?

A free 15-minute discovery call. No cost and no obligation.

Book a Free Discovery Call Call (207) 962-2213 Email Jon
CalendlyBook a free 15-minute call
Phone(207) 962-2213
Emailinfo@jonhyattbroker.com

Reminder: I am affiliated with Renatus and may be compensated if you enroll.

Jon Hyatt
Your guide

About Jon

I

Investor

Acquired three assets with $0 out of pocket using partner equity, BRRRR, and a family equity bridge.

B

Business owner

Owner of SI Associates, a Bangor property management company with about 200 units.

R

Broker

Broker with eXp Realty, REO certified, and NEPQ-trained in sales.

Based in Bangor, Maine, I help aspiring investors and professionals learn the same framework I used. 263 State St #36, Bangor, ME 04401 · www.jonhyattbroker.com