5 Ways to Finance a Rental Property That Nobody Talks About

February 4, 2026

AI Summary

5 min read

🎙️ The Voices & The Context

The Format: Casual chat between two co-hosts breaking down practical real estate strategies in a podcast episode format, with sponsor breaks.
The Key Players:
- Henry Washington: Co-host of the BiggerPockets Podcast, real estate investor from Arkansas; brings energetic, personal anecdotes and negotiation insights.
- Dave Meyer: Co-host, provides detailed explanations and comparisons; strong chemistry through banter, mutual excitement, and tag-teaming pros/cons.
The Vibe: Educational and enthusiastic—empowering for beginners, with hype around "cheat codes" for scaling investments amid high rates.

🗝️ Key Themes & Topics

The episode dives into five under-the-radar financing options for real estate investors struggling with down payments, credit, or high rates. Hosts emphasize accessibility for lower/moderate-income buyers, house hacking, and portfolio building, contrasting these with common loans like FHA/HELOCs.

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What you'll learn

1 (00:00) **Introduction to Under-the-Radar Financing Options**
2 (01:11) **NACA Loans**
3 (06:56) **USDA Loans (Rural Development)**
4 (16:56) **Seller Financing**
5 (22:18) **Assumable Mortgages**
6 (31:08) **Non-QM Loans (Bank Statement Loans)**

+ Full timestamped outline available in the app

Show Notes

There are five rental property loans nobody talks about. 99% of people have never heard of them.

0% down payments. 5% interest rates. No W-2 needed. The loans we’re talking about today offer these benefits and (much) more. So, what are they, and why hasn’t anyone told you about them?

If you’ve felt it was impossible to get a mortgage for your first or next rental property, the five investment property loans we’re sharing will change your mind. First, we’re talking about a mortgage with 5% interest rates, 0% down, and no closing costs. There’s a catch—but we think it’s well worth it.

Next, a no-money-down loan that 97% of America will qualify for—there’s a good chance your next home will qualify for it, too. Then, a sneaky way to get around the bank and get a lower interest rate, down payment, or both. Want a 3% mortgage rate like back in 2020? There’s only one way to get it. Plus, for our self-employed and business-owner listeners, there’s one loan that doesn’t require a W-2.

In This Episode We Cover

Five game-changing rental property loans flying under the radar (low rates, no money down)

No W-2? No problem! There’s one loan that self-employed investors must try

Want your first property but have a lower income? This mortgage was designed for you

How to buy a rental property without using a bank (and get much better terms)

The only loan that lets you lock in a 3% rate (yes, that’s right) in 2026

And So Much More!