Joe DownsCEO & Co-Founder, Belrose Storage Group. Founder, Storage Moguls.

Growing a Portfolio with SBA Loans

20 Feb 2026 · 1 min

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In this segment, the presenter outlines a real‑estate investment strategy for an investor who has $300,000 available after setting aside 6‑9 months of living expenses. Rather than using the entire amount as a large down‑payment on a single conventional mortgage (which would require a 30‑40% down payment), the speaker proposes using SBA‑backed financing to make three separate $100,000 equity injections, allowing acquisition of three distinct properties. The approach emphasizes diversification, leveraging SBA loan structures, and maximizing portfolio growth with limited capital.

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your 12 months. Or maybe let's say if you've got— this is the example we talked about earlier— if you have $300,000 to invest, you still have your 6 to 9 months of living expenses, but you've got $300,000 to invest. You can either go get a conventional mortgage if somebody will give you one and spend all your money up front because it's 30 to 40% down, or you come to me. You could potentially get into 3 different properties that each have a $100,000 equity injection.