First Time Buyer Guide

Your first property dictates your entire trajectory. A bad asset traps your capital for a decade. A strong asset allows you to scale. We treat the first purchase strictly as a mathematical exercise.

The 3 Rules for the First Purchase

1. Do not buy negative cash flow. The first asset must pay for itself. Use the Net Yield Tool.
2. Maintain a 10% cash buffer. If the deposit is $50k, you need $55k. The boiler will break on day two. See the Maintenance Budget Tool.
3. Ignore the aesthetics. You are buying a cash flow stream and a piece of land, not a lifestyle.

Review Leverage Mechanics before applying for debt.