The Moonlight Real Estate Side Hustles and Syndications Show

Using The BRRR Strategy on Houses and Small Multifamily to Safely Quit His Job While Working a Demanding Schedule Steven Andrews — 300 Units | Former Full-Time Retail Manager

Eric Lindsey Season 1 Episode 158

Building a Portfolio While Working Full-Time

Steven built a 300-unit portfolio while working 10–12 hour retail shifts.

What he did:
• Worked retail days and handled real estate at night
• Pushed through 14–15 hour days early on
• Lived at home to reinvest everything
• Used DIY only for learning
• Followed his mentor and Building Wealth
• Bought the worst house on the block to force appreciation

How you can apply it:
• Use early mornings, nights, and weekends
• Treat your job as part of your investment strategy
• Reinvest heavily at the start
• Lean on mentorship to avoid mistakes

Protecting Income to Stay Lendable

What he did:
• Kept his job stable for five years
• Used job income to qualify for loans
• Lived frugally to reinvest more
• Avoided decisions that hurt lending

How you can apply it:
• Maintain strong income while you scale
• Build relationships with lenders
• Keep expenses low to stay bankable

Delegation as a Scaling Tool

What he did:
• Started with DIY
• Shifted to contractors as he grew
• Focused on decisions, not labor

How you can apply it:
• Learn the basics, then outsource
• Build your contractor list early
• Protect your time

Early DIY for Education

What he did:
• Learned repairs, pricing, and contractor language
• Only DIY’d long enough to get educated

How you can apply it:
• Use early DIY as temporary training
• Learn enough to evaluate bids and avoid overpaying

Designing a Low-Risk Buy Box

What he did:
• Targeted middle/upper-low-class areas
• Bought the worst cosmetic house
• Sought overlooked value-add deals

How you can apply it:
• Choose areas where dollars go further
• Focus on cosmetic value-add
• Avoid overinflated neighborhoods

How He Funded His First Deals

What he did:
• Used a credit-card cash advance for his first down payment
• Borrowed 85% from a local bank
• Made cosmetic improvements with more credit
• Refinanced to pull out capital
• Recycled the same money repeatedly using BRRR

How you can apply it:
• Use creative funding if you lack cash
• Recycle capital whenever possible
• Judge lenders by structure, not rate
• Run your numbers carefully

The Real Sacrifice Behind His Growth

What he did:
• Worked 14–15 hour days
• Juggled retail, rentals, and relationships
• Faced burnout
• Stayed disciplined for five years before leaving his job

How you can apply it:
• Expect short-term sacrifice
• Build systems to protect your health
• Pace yourself to avoid burnout
• Set realistic timelines for your season of life

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