141: Financial Freedom as a Millennial with Christian Montalvo

Christian Montalvo is a young professional, food microbiologist, and real estate investor in the Dallas-Fort Worth metro. Christian and her husband, Cameron, have house hacked their way to 8 units in less than two and a half years using conventional financing, sweat equity, and tons of hard work. Outside of working her full time job and building a real estate empire, Christian loves to spend time with her family, travel, exercise, read, and of course, listen to podcasts and audiobooks! Key Points Finding a financially sustainable lifestyle Investing in real estate as a recent college graduate with a full time job Using an FHA loan to buy  duplex How to refinance and use an FHA loan for a second time Goal setting – breaking 10X goals into daily tasks  Reinvesting cashflow to increase the velocity of money Lightning Questions What was your biggest hurdle getting started in real estate investing, and how did you overcome it? Saving up and getting financing for that very first investment property. By utilizing a low down payment, FHA loan, Christian and her husband, Cameron, were able to buy their very first duplex. Do you have a personal habit that contributes to your success? Christian practices the SAVERS methods from The Miracle Morning throughout her day. Do you have an online resource that you find valuable? Youtube.com BiggerPockets What book would you recommend to the listeners and why? The Miracle Morning by Hal Elrod The 10X Rule by Grant Cardone The ABCs of Real Estate Investing by Ken McElroy If you were to give advice to your 20 year old self to  get started in real estate investing, what would it be? Watch out for student loans! Resources Commercial Loan Success  Connect with Christian on Instagram here! Follow CCT Rentals for great real estate investing videos! Connect with Christian on BiggerPockets  Visit Audible for a free trail and free audio book download!