How to Start Investing in Property in the US with Little Money (Step-by-Step)

MD Imran

Publish on: 29 August 2025

Publish on: 29 August 2025

Investing in property in the US has always been a big dream for people. Many people think that it requires millions of dollars, but the truth is that you can start with a small amount of money. If you are a beginner and are wondering how to start investing in property, then this guide is for you. Here you will get a step-by-step method in easy language so that you can start property investment even with less money.

1. First, decide your financial goal

Before making any investment, it is important to understand what your purpose is and why you want to invest.

Do you want rental income?
Do you want to sell the property when its value increases?
Or do you just want to build long-term wealth?

Once you have a clear goal, the path ahead will seem easier, and you will know how to start investing in property and what is right for you.

2. Start with REITs (Real Estate Investment Trusts)

If you have less money, REITs in the US are a great option. REITs work in the same way as stocks in the share market – that is, you can indirectly buy a stake in large commercial buildings, apartments, and malls by investing a small amount.

You can start investing in REITs with as little as $100 or $500.
If you are a beginner or want to start with a small amount, then this is the easiest way for you.

3. House Hacking – Earn money while living

Many beginner investors in the US use house hacking.

Suppose you bought a duplex (a house with two parts).
You live in one part yourself and rent out the other part on rent.

In this way, you get your mortgage (loan) and also get rental income. This method is perfect for beginners who are wondering how to start investing in property practically.

4. Buy property by becoming a partner

If you don’t have enough money or have less money, you can buy the property together with a friend or family member.

You can keep a 50-50 or a 70-30 investment ratio.
Risk is divided, and so is the profit.

This method is very safe and easy for those who are starting with less money.

5. Wholesale Real Estate – You can earn even without buying

In wholesale real estate, you do not buy the property yourself.

You just found a good property deal.
Then you sell that deal to a big investor, and in the meantime, you make a profit.

Many beginners in the US start with this model because it costs very little money.

6. Pay attention to the location

The biggest rule in property investment is – Location, Location, Location!
The property market of every state and every city in the US is different.

Big cities like New York, Los Angeles, and San Francisco have high prices, but returns are also great.
On the other hand, smaller cities can offer good rental income at lower prices.

If you choose the right location, your property will grow rapidly.

7. Avoid Common Mistakes

Beginning investors often make a few mistakes:

Buying property without doing research is not the right way to buy property.
Ignoring hidden costs (taxes, insurance, maintenance)
Getting trapped in “get-rich-quick” schemes

If you avoid these, your property journey will be smooth. Remember, the first rule of how to start investing in property is patience and research.

conclusion:

It is completely possible to start property investment in the US even with less money. You just have to choose the right strategy – be it REITs, house hacking, becoming a partner, or wholesale real estate. Slowly, you will gain both experience and confidence.

If you are really wondering how to start investing in property in the US, then take a small step today. Remember – the beginning may be small, but over time, this investment can create huge wealth for you.