Can you really buy a house—or even a multifamily property—with little or no money out of pocket?

In this episode of the Real Estate Educators Podcast, Kevin Amolsch sits down with John Collins, who has spent nearly 40 years helping renters, first-time buyers, and investors use down payment assistance, grants, FHA loans, and creative financing to purchase real estate.

John shares how investors can help tenants become buyers, why interest rates matter less than getting the right purchase price, and how there are still programs offering tens—or even hundreds—of thousands of dollars in assistance.

If you have clients, tenants, or friends who think they need perfect credit or a huge down payment to buy a home, this episode will change the way you think.

TIMESTAMPS
00:00 Why the right purchase price matters more than the interest rate
01:07 Meet John Collins and his 38 years in real estate
04:20 How John built Own the Roof and teaches people about down payment assistance
08:07 What real estate looked like in the 1980s with 12–13% interest rates
10:28 Why investors should focus on their “entrance,” not their interest rate
13:10 How AI will change real estate and mortgages over the next 1–3 years
15:43 Why every agent and investor should choose a niche
17:26 How John gets 100+ people to his webinars
19:48 Why authenticity matters in marketing and lead generation
22:31 How to buy a duplex or fourplex with little money down
25:02 The best options for helping tenants become buyers
27:44 How Own the Roof finds grants and down payment assistance programs
30:18 Why most people don’t need perfect credit to buy a home
32:18 The best wealth-building strategy for Gen Z and first-time investors
34:08 Where to find John and his free resources

Connect with John Collins:
Website: OwnTheRoof.com
Email: John@OwnTheRoof.com

Learn more about Own the Roof and its free tools, webinars, and down payment assistance search portal.

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