The Little-Known Loan That Helped Me Turn $9K Down into $150K in Equity

BiggerPockets Real Estate Podcast · Jun 3, 2026 · 37m

This is arguably the best real estate investing loan on the market today. It funds the purchase, renovation, closing costs, and up to six months of mortgage payments, so you’re not on the hook when renovating a vacant property, all for 3.5% down.

Today’s guest used it to put down just $9,000 on a house and, less than a year later, had $150,000 in equity. It changed his life and enabled him to become a real estate millionaire, even in an unaffordable market.

Matt Porcaro (AKA The 203k Way) was working in construction in America’s most expensive market—New York City. He could only get…