Homeowners across the country are sitting on a source of capital they've never thought to use: the equity in their own home. In this episode, Josh Mettle, co-founder of Neo Home Loans, and Ross Zimmerman, a loan officer at Neo, break down exactly how to tap into a HELOC strategically to build and scale a real estate portfolio. Josh and Ross walk through the national numbers on home equity across the U.S. right now, just how much untapped capital homeowners are sitting on, and why so few people ever use it to their advantage. From there, they get tactical: how a HELOC actually works, how to think about leveraging it responsibly, and the exact steps to take it from an idle line of credit to your down payment on the next property in your portfolio. We also get into the tax side of building wealth through real estate, including how a cost segregation study works and how investors can legally use their portfolio to significantly reduce what they owe the IRS. If you've ever wondered whether the equity in your home could be doing more for you, or how experienced investors keep more of what they make, this episode is the strategic guide you need. In this episode: The national numbers on home equity and why so much of it goes untapped How a HELOC works and how to use one strategically, not recklessly Step-by-step: turning home equity into your next real estate purchase How cost segregation studies work and what they mean for your tax bill Legal strategies to pay significantly less in taxes as a real estate investor How to build a repeatable system for scaling your portfolio using equity
Homeowners across the country are sitting on a source of capital they've never thought to use: the equity in their own home. In this episode, Josh Mettle, co-founder of Neo Home Loans, and Ross Zimmerman, a loan officer at Neo, break down exactly how to tap into a HELOC strategically to build and scale a real estate portfolio.
Josh and Ross walk through the national numbers on home equity across the U.S. right now, just how much untapped capital homeowners are sitting on, and why so few people ever use it to their advantage. From there, they get tactical: how a HELOC actually works, how to think about leveraging it responsibly, and the exact steps to take it from an idle line of credit to your down payment on the next property in your portfolio.
We also get into the tax side of building wealth through real estate, including how a cost segregation study works and how investors can legally use their portfolio to significantly reduce what they owe the IRS. If you've ever wondered whether the equity in your home could be doing more for you, or how experienced investors keep more of what they make, this episode is the strategic guide you need.
In this episode: