3 Real Estate Myths That Keep You Trapped in a 9-to-5 Job
If you’re like most people, you’ve thought about getting into real estate.
But you’ve probably also heard some version of this:
- “You need 20% down.”
- “You need great credit.”
- “Be ready to fix toilets and chase tenants.”
These myths sound reasonable — but they’re dead wrong.
And if you believe them, they’ll keep you stuck in a job you don’t love, saving slowly while real wealth slips further out of reach.
The truth is, you don’t need savings. You don’t need a great credit score. And you definitely don’t need to be a landlord.
What you need is a better system.
Let’s bust the top three real estate lies that keep smart people broke, and show you how to escape the trap.
Myth #1: You Need 20% Down
Most people think real estate requires a big chunk of cash up front.
That’s because banks want you to think that.
The more you save, the longer you wait, and the more dependent you stay on their terms.
But real investors don’t wait to save.
They use creative strategies that bypass the need for 20% down entirely:
- Seller financing
- Subject-to deals (where you legally take over the seller’s mortgage)
- Asset-based private lending
These aren’t tricks. They’re tools.
And once you learn how to use them, deals you thought were impossible suddenly become easy.
Myth #2: You Need Great Credit
Your credit score might get you a nicer car lease, but it won’t buy you freedom.
In fact, most banks still won’t lend to you on a truly profitable deal… even with great credit. That’s why the best investors skip the bank entirely.
They focus on:
- Deals that fund themselves through cash flow
- Lenders who care about the property’s performance, not your history
- Strategies that give you control without gatekeepers
You don’t need a perfect credit score to buy real estate.
A profitable deal and a flexible structure are what really count.
Myth #3: You Have to Be a Landlord
Horror stories about midnight plumbing emergencies scare off a lot of would-be investors.
But here’s the thing:
You don’t have to be the landlord.
You just need a deal that cashflows enough to pay someone else to do that part.
If you’re buying properties that only work when you do all the work, you’re not investing. You’re just creating another job.
The best deals run themselves:
- Third-party property management
- Built-in maintenance reserves
- Systems that let you scale without burning out
You want freedom, not a fixer-upper lifestyle.
So Why Do These Myths Stick Around?
Because they keep you in the system. They keep you earning just enough to stay afloat…
But never quite enough to buy your freedom.
And that works great for:
- Employers who want you to keep working
- Banks who want your savings
- “Experts” who want to sell you theory instead of results
If you’ve been stuck waiting for the right time, the right savings, or the right credit score, now you know why you’re still stuck.
What Actually Works?
✅ Find motivated sellers
✅ Identify cashflow-rich properties
✅ Use creative strategies to control the deal, with no money or credit required
That’s how real wealth is built.
The concept is simple. It’s the details that mess people up.
And that’s where I come in. I show people how to do this every week inside my private Skool community.
If you’re done believing broken advice, and ready to start stacking assets that pay you for life, join me inside.
Request access to the private Skool group here
This is the year you stop waiting.
And start living.
— Marco