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11 Steps to Buying Your First Rental Property By Erin Cogswell Updated June 28, 2024 Edited by Steve Nicastro SHARE Building a portfolio of rental properties can be one of your best financial decisions. It provides opportunities for predictable, long-term passive income, positive investment returns (average annual returns of 10.6%), and favorable tax benefits.[1] Investing in rental properties is attractive because of its compounding effect: income from one property can help you buy more, increasing cash flow and wealth. However, buying your first property can be daunting, raising concerns about deal quality and property management. Learning from others’ experiences can save you time, money, and stress. This guide provides valuable insights and practical advice to help you confidently purchase your first rental property, avoid common pitfalls and set a solid foundation for future investments. 💡Note: This guide focuses on buying your first rental property as a long-term, buy-and-hold investor. If you’re interested in flipping houses, check out our comprehensive guide on house flipping for investors. Whether renting out a property or flipping, both strategies can offer significant financial rewards. Buying an investment property in 11 steps These steps will help you find and purchase a rental property that will deliver the best return on investment (ROI). If you need additional help, hiring an investment real estate agent may be a good option. 1. Set your goals Your first rental property can be a significant investment. Before you start touring properties, consider your goals to ensure you enter real estate ownership for the right reasons. It will also help you narrow down what type of property you want to purchase, such as single-family, multi-family, or commercial. These questions can help you uncover your motivations: What do you hope to achieve? Is your aim strictly to make money, or do you have your sights set on property development? Are you seeking a quick ROI or playing the long game with a buy-and-hold strategy? What does successful rental property ownership look like to you? Once you know why you want to buy an investment property, you’ll be better able to determine the types of property that would match your goals. You’ll also be able to set more realistic expectations for the ROI you hope to see. 2. Determine your budget It’s essential to know what you can afford. Key considerations include: Your available cash What percent of your net worth you’re comfortable investing Down payment requirements, which could be 15% or more[2] Costs of repairs You’ll have other costs as well. For instance, the average home inspection cost is $340; a home appraisal can run anywhere from $500 to $800 or more;[3] closing costs are often 2–5% of the property purchase price.[4] House hacking is one strategy to reduce upfront costs. In this situation, you would purchase a two-, three-, or four-unit property and live in one of the units. Because the property would be considered a primary residence, you’d potentially qualify for conventional loans that offer lower down payments and interest rates. 3. Forecast your cash flow Cash flow is the rent and other income you receive versus the expenses of owning the rental property, such as maintenance fees and property taxes. A positive cash flow — more money coming in — ensures you make a viable investment. Rental properties’ average annual cash flow is approximately 7-8% of the purchase price.[5] So, if you buy a property for $350,000, the cash flow should be at least $28,000 yearly or about $2,333 monthly. Use our rental property calculator to get a detailed and accurate estimate of your cash flow. You can then calculate your cash-on-cash return, which is the money you earn on the money you’ve invested in a property. To do this, divide your annual pre-tax cash flow by the total cash you’ve invested. 4. Choose a market Evaluating the real estate market before investing in a rental property is essential. You should look at population growth, employment rates, job growth, income levels, and rental and vacancy rates. Consult a local real estate agent to see if your local market has positive cash flow potential. You might also join networking groups of other active real estate investors in your market. Speak with property managers to better understand your area’s rental market. You may need to look for investment opportunities in a different city or state. In this case, contact a professional agent to understand the market better. You’ll need someone who knows that city’s attorneys, contractors, and property managers. Clever can connect you with an agent in any market you choose. 5. Get pre-approved Pre-approval shows sellers that you’re a serious buyer. It will also outline the details of your financing, such as what you can afford and the terms of your loan. This information can help you better estimate your cash flow. To get pre-approval, the lender will request your financial information, personal details, and documentation verifying your income, identity, assets, and debts. For instance, statements for your bank accounts, loans, and retirement accounts, as well as rental history and bankruptcy or foreclosure information. You can get pre-approved in as little as a day or up to a week or more. The lender will verify all your documents and pull your credit score. A credit score of at least 620 is ideal for a conventional loan.[6] Lenders will also look at your debt-to-income (DTI) ratio, which measures your ability to manage the monthly payments and should be about 36% or less.[7] » Learn how long it takes to get pre-approved 6. Start looking for properties When you’re ready to start looking for properties, you generally have two options: on-market and off-market.  On-market listings are open and advertised to the public. As a result, there tends to be more transparency with the listing price — but there’s also more competition. Off-market listings are kept confidential. This means buyers typically see less competition and greater flexibility on pricing, which can yield better profits if your goal is to flip the property. An investment real estate agent who knows the market can help you find on-market properties. In addition to their

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