What if your first investment property only required $3,000 down?That's exactly how Andres Martinez got started.In this episode of The Housing Dept. Podcast, Terence sits down with Andres to unpack how he went from working as a full-time waiter to building a portfolio of 14 co-living homes using creative finance.Instead of waiting years to save for a large down payment, Andres shares how he used strategies like subject-to financing, seller financing, and private money to acquire properties and create cash flow through co-living.But this episode isn't just about buying houses—it's about solving a real housing problem for working adults who earn too much to qualify for assistance but not enough to comfortably afford an apartment.If you've ever wondered whether you need a lot of money to get started in real estate, this conversation might change the way you think.What we cover:✅ How Andres built 14 co-living homes using creative finance✅ His first deal with only $3,000 down✅ Subject-to financing and seller financing explained✅ Why co-living is growing across the country✅ Finding properties that work for shared housing✅ Using private money to scale a portfolio✅ Marketing rooms and building a waiting list✅ Lessons learned from renovations, contractors, and tenant management✅ Why resilience matters more than having the perfect planOne of the biggest takeaways from this episode:You don't always need more money to get started—you need to understand the right strategies and be willing to take action.Whether you're interested in co-living, independent living homes, or creative real estate investing, this episode is packed with practical lessons from someone who's built a successful housing business one property at a time.👉 Ready to start your own housing business?Join The Housing Dept. Community:https://www.skool.com/kingdomhousing✅ Follow Terence:https://www.tiktok.com/@iamterencegarciahttps://www.instagram.com/iamterencegarcia💸 Work With Terence:https://stan.store/Terence-Garcia