03/31/2026
The Leverage Ladder sounds fancy, but it's really just a decision made once a year for a few years in a row.
Year one: you live in one unit, the other three cover your mortgage. That $2,500 housing payment is basically gone. Which means roughly $30k a year that used to disappear is now sitting in your account doing something useful.
Year two: you move out, rent that unit, and use the next available low-down-payment option to do it again. The first property is now fully tenanted. Your income just went up again.
A few years of that and you've got 10 to 12 doors, meaningful passive income and no single catastrophic moment where you had to take a huge risk. Just a sequence of smaller, logical steps that compounded.
Most people never do this because they're so focused on getting a home that they don't stop to think about what else that loan could do. That's the whole point.
I break down how you can use your FHA home as a generational wealth tool in my latest video 👉 link on bio