Episode #1297 Baselane: Automate your rental cash flow for a chance to win $10K plus BiggerPockets Pro members get a free upgrade to Baselane Smart. Sign up now : https://www.baselane.com/bp In just six years, this *single mom of three became a self-made multimillionaire* with rental properties. *She didn’t start with a ton of cash;* she *worked full-time,* and she often put very little down. *Using an owner-occupied strategy that 99% of investors won’t dare to try,* she’s reached financial freedom while raising three kids. So how’d she do it? Today, we’re talking to *Rachel Duck* from central Texas. She took a popular strategy—the live-in flip—and made it even better: *buying houses with 5% down,* living in them for a year, fixing them up, moving out, and repeating. She did it with three kids and spent her 5-9 after her 9-5 renovating homes so she could *rent them and repeat.* The result? *Millions of dollars in equity* that has made her financially free. Today, she’s *giving you the blueprint* so you can do it too. Rachel shares the *tips for your first live-in renovation* rental, the *expensive mistake* she made that you can avoid, *how to do it while raising kids* and working 9-5, and the *low-money-down loans* she used to scale without putting up tons of cash. Episode Show Notes: https://lnk.to/biggerpocketsYT Join BiggerPockets for FREE 👇 https://www.biggerpockets.com/signup?utm_source=owned_media 🎉Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets: https://biggerpockets.com/bpcon2026 Let Us Know What You Thought of the Show! https://www.BiggerPockets.com/Podcastfeedback Grab _The Book on Estimating Rehab Costs_ : https://store.biggerpockets.com/products/the-book-on-estimating-rehab-costs?utm_source=owned_media Sign Up for the Investor Brief Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Find Investor-Friendly Lenders: http://biggerpockets.com/findlenders Is a Live In Flip Right for You? Here’s How to Tell: https://www.biggerpockets.com/blog/live-in-flip?utm_source=youtube&utm_medium=description&utm_campaign=none Connect with Rachel: BiggerPockets: https://www.biggerpockets.com/users/racheld45?utm_source=youtube&utm_medium=description&utm_campaign=none Instagram: https://www.instagram.com/rachelannduck/ or @rachelannduck Website: www.rachelduck.com Connect with Henry: https://www.biggerpockets.com/users/henryw22?utm_source=youtube&utm_medium=description&utm_campaign=none Baselane is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. NO PURCH. NEC. Open to legal residents of 50 US/DC, 18+ & are landlords/real estate investors. Void where prohibited. Ends 9/30/26. Subject to Rules/free entry method: https://www.baselane.com/10K-terms 0:00 Intro 1:11 Buying Land…In College?! 3:33 10 Properties Using 5% Down 6:27 Full-Time Job, Full-Time Investor 8:26 Loans and Buy Box 10:07 Sponsor: Baselane! 11:12 An Expensive Mistake 17:10 Regular Rentals Still Work! 18:44 “Uncomfortable” Properties Make You Wealthy 22:07 Current Portfolio (Millionaire!) 23:23 Tips for Live-in Renovations 26:54 What’s Next?