How Did a RE/MAX Broker Turn One Rental into a 12-Unit Empire Using Creative Financing?

What if you could turn a single rental property into a 12-unit portfolio without relying on traditional bank loans? In this episode of the REI Freedom Podcast, host Jeremy Beland sits down with Michael Cossette, a RE/MAX broker, investor, and father of four from Central Texas, to reveal how he built long-term wealth through creative financing, off-market acquisitions, and smart deal structuring.Michael shares his journey from college house-hacking to owning multifamily and commercial properties, short-term rentals, and even a private island in Florida. With over 20 years of experience in real estate, he explains how adaptability and creative thinking helped him navigate market shifts and seize opportunities others overlooked.He also breaks down the details of one of his most impressive transactions,  a 12-unit apartment acquisition completed using a mortgage wrap, seller financing, and private money refinancing. Michael walks through how he leveraged equity, used Cost Segregation to offset taxes, and continues to grow his portfolio while maintaining cash flow and flexibility.About Michael Cossette Michael Cossette is a RE/MAX broker and seasoned real estate investor based in Central Texas. A proud dad of four young children, he manages a diverse portfolio that includes residential and commercial multifamily properties, short-term rentals, and a private island in Florida. Michael is known for his resourceful, “get-it-done” mindset and his ability to turn unconventional deals into long-term success stories.Key TakeawaysHow to scale your portfolio using mortgage wraps, seller financing, and private money.The power of leveraging equity and Cost Segregation to grow without doing a 1031 exchange.How to build consistent off-market deal flow through strong relationships and referrals.Why adaptability and creativity matter more than market timing.The mindset shifts that turn action-takers into successful investors.Connect with Michael Cossette Instagram: https://www.instagram.com/askmikecossYoutube: https://www.youtube.com/watch?v=Xs3xZFQ75xsX: https://x.com/AskMikeCossFacebook: https://www.facebook.com/AskMikeCossLinkedIn: https://www.linkedin.com/in/askmikecoss/Tiktok: https://www.tiktok.com/@askmikecossConnect with USWebsite: reifreedom.com Free Guide: More Deals, Bigger Deals, and Less CancellationsThe best real estate opportunities aren’t found, they’re created. Tune in to the REI Freedom Podcast for more expert insights, powerful stories, and proven strategies to help you build your freedom through real estate investing.