Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

Zero Dollars is in budget!

20 Jan 2024 · 1 min

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In this brief video Christian Osgood explains his “zero dollars in budget” approach to multifamily real‑estate investing. He recounts how, starting with no capital, he and his team sourced deals, secured high‑leverage financing (typically 85% loan‑to‑value), and brought in outside investors to cover the entire down‑payment. By structuring purchases so that the property generates cash flow on long‑term fixed‑rate debt, expenses stay fixed while rental income can rise, creating a sustainable cash‑flow model that Osgood claims anyone can replicate.

Chapters

Zero dollars is in budget. This is something we used to say all the time. So we started, we were dead broke. We had these dreams of buying multi-million dollar properties. We figure out how to do these and we had a few come up and it just happened again and again. We'd have a deal. It's how much money do we have to put down? Well, zero dollars. That's in budget. Let's go. First deal we did, 38 units, building's trash, but we get financing for 85% of it. Like, okay, well that solves a lot of the problems. We found a couple people to invest in the deal who are going to cover the entire down payment. So we have a deal. Zero dollars is in budget. Let's do it. If you can write these deals where Cash flow on long-term fixed rate debt. It keeps cash flowing because you fix your expenses while you increase your income. Find deals that do that, $0 in budget, which means everyone can do this.