📘 Autographed Collector's Edition – Direct from the Author - CRE Book

What if your next commercial real estate deal could change your life—but no one ever taught you how to make it happen?

The Commercial Real Estate Playbook: Lessons From the Fieldis your behind-the-scenes guide to the strategies, mistakes, and mindset shifts that truly matter in today’s CRE world. Written by veteran broker and financing expert Bill Rapp, this book shares the real-world lessons he learned over a decade in the trenches—now available as an exclusive signed copy straight from the author.

Inside this special edition, you’ll discover:

✅ What separates winning deals from disasters

✅ How to confidently transition from residential to commercial real estate

✅ The psychology of reading people and closing with confidence

✅ Financing tips and creative capital strategies across all asset classes

✅ How to build a team, scale your business, and lead through uncertain times

Whether you're an investor, broker, small business owner, or just breaking into the commercial space, this no-fluff guide delivers the real talk—and real tools—you won’t find in a classroom.

Start building your CRE legacy with insights that actually work—and get your hands on a personally autographed copy today.

🏡 Autographed Collector's Edition – Direct from the Author - Residential Book

Buying your first home doesn’t have to be overwhelming—especially when you have a proven, step-by-step roadmap signed by the expert himself.

The Smart Guide to Buying Your First Home

is your friendly, no-nonsense companion through every stage of the homebuying process. Written by trusted
mortgage broker and real estate advisor Bill J. Rapp Jr.

, this autographed copy


offers not just practical advice, but peace of mind—straight from someone who’s helped hundreds of families navigate their first purchase.

Inside this signed special edition, you’ll
learn:

·         🧠 How credit scores
impact your loan—and how to fix yours fast

·         🏦What lenders really want to see and how to get pre-approved like a pro

·         💸Budgeting truths, hidden fees, and the myth of “$0 down”

·         🛠️The importance of building a dream team—agent, lender, and inspector

·         📝What to expect during inspections, appraisals, and closing, pl🇺🇸 Bonus content for VA borrowers, including how to get your COE and maximize your benefits

Every chapter includes clear action steps, checklists, and insider tips to help you stay organized, informed, and
empowered.

Whether you're buying solo, with a partner, or
for your growing family, this personally signed copy

is more than just a how-to guide—it’s your coach, mentor, and trusted friend for the journey ahead.

Order now to get a signed edition shipped directly from the author—and take the first confident step toward homeownership.

The Commercial Real Estate Playbook: Lessons From the Field:

"Blueprints for Success in Commercial Deals, Lending & Leadership"


What if your next commercial real estate deal could change your life—but no one ever taught you how to make it happen?

In
The Commercial Real Estate Playbook: Lessons From the Field, seasoned broker and finance expert
Bill Rapp
pulls back the curtain on the real-world strategies, pitfalls, and breakthrough moments that shaped his career—and the careers of countless clients and professionals he’s served.

From structuring your first deal and building your personal brand, to overcoming financing roadblocks and surviving market downturns, this no-fluff guide is packed with firsthand stories, actionable insights, and field-tested tools to help you thrive in today’s complex CRE landscape.

Whether you're an aspiring broker, active investor, small business owner, or someone looking to understand the lending side of real estate, this book offers a front-row seat to lessons that aren’t taught in classrooms—but can make or break your success.

Inside you’ll discover:

What separates successful deals from failed onesHow to transition from residential to commercial with confidenceThe art of reading people and closing like a proSmart financing tactics for every asset class—from retail to multifamilyHow to scale your business, lead a team, and future-proof your career

If you're ready to stop guessing and start building a legacy in commercial real estate, this playbook will be your trusted guide.

The Smart Guide to Buying Your First Home!

"From Credit Scores to Closing Day"


Buying your first home doesn’t have to be overwhelming — not when you have a proven roadmap in your hands.The Smart Guide to Buying Your First Home


is a friendly, practical, and down-to-earth companion for anyone ready to turn the dream of homeownership into a reality. Whether you're just starting to think about buying, already browsing listings, or preparing to make an offer, this guide breaks it all down — step-by-step — in language that makes sense.Written by seasoned mortgage broker and real estate advisor
Bill J Rapp Jr, this guide covers everything you need to know, including:

How your credit score affects your mortgage (and how to fix it fast)What lenders arereallylooking for — and how to get pre-approved like a proBudgeting tips, hidden costs, and why “$0 down” doesn’t mean “free”How to build your dream team and search with strategyThe real-deal guide to inspections, appraisals, and closing dayBonus insights forveterans using VA loans— including how to get your COE, debunking common VA myths, and planning for future moves or refinancing

Plus, you’ll find action steps, checklists, and practical tips in every chapter — making it easy to stay organized, empowered, and confident throughout the process.Whether you’re buying solo, with a partner, or as a growing family, this book will help you make smart decisions and avoid costly mistakes.


It’s more than a how-to manual — it’s a trusted guide, mentor, and coach all in one.Homeownership is a journey — not a race. Let’s take that first step together. 🏡

ABOUT AUTHOR

Bill Rapp


Bill Rapp is a seasoned commercial real estate broker and finance expert with over a decade of experience helping clients navigate complex property transactions and capital solutions. Based in Houston, Texas, Bill specializes in investment sales, acquisitions, and commercial financing strategies tailored to meet the needs of investors, developers, and business owners. He brings a
unique blend of market insight, negotiation skills, and financial acumen to every deal, consistently delivering value and growth opportunities for his clients. With a deep knowledge of the Houston and Greater Texas markets, Bill
is committed to building long-term relationships and helping clients make smart, strategic decisions in today’s ever-evolving real estate landscape. When
he’s not closing deals or analyzing the next big opportunity, Bill enjoys time with family, outdoor adventures, and giving back to the local community through mentorship and service.If you’d like, I can help write or edit these based on
the book content we’ve built so far.

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🏘️ “From Roommates to Real Estate Riches: The Power of Creative House Hacking 💰”

💡 “House Hacking Made Easy: How to Use Creative Financing to Build Wealth in 2025 🏠”

October 08, 20253 min read

💡 “House Hacking Made Easy: How to Use Creative Financing to Build Wealth in 2025 🏠


🏘️ “From Roommates to Real Estate Riches: The Power of Creative House Hacking 💰


🏠 House Hacking with Creative Financing: The Smart Investor’s Starter Strategy

House hacking has become one of the most powerful wealth-building tools for first-time buyers and investors — and when paired with creative financing, it’s a game changer.

Imagine living in your property while your tenants pay your mortgage. That’s the essence of house hacking — and in 2025, flexible loan programs and innovative financing strategies make it easier than ever.


💡 What Is House Hacking?

House hacking is when you purchase a multi-unit property (like a duplex, triplex, or fourplex) or a single-family home with rentable space, live in one portion, and rent out the rest. The goal? Reduce or eliminate your monthly housing costs while building equity and generating passive income.

This strategy isn’t limited to experienced investors — first-time buyers, self-employed professionals, and even doctors and nurses are now using house hacking to break into the real estate market.


🧠 Creative Financing Options for House Hackers

To make house hacking possible, you’ll want to leverage creative mortgage solutions designed to minimize down payments and maximize flexibility. Here are a few that stand out:

FHA Loans (3.5% Down)

FHA loans are one of the most common tools for first-time house hackers. You can buy up to a 4-unit property with just 3.5% down — as long as you live in one of the units.

VA Loans (0% Down)

Veterans and active-duty military can buy a multi-unit property with no down payment using a VA loan. This allows you to build wealth while serving your country — a truly unique advantage.

Bank Statement Loans (Self-Employed Buyers)

If you’re self-employed, you don’t need to rely solely on tax returns. A bank statement loan uses your income deposits to qualify — ideal for entrepreneurs or gig workers who want to invest smartly.

DSCR or “Hybrid” Loans

For investors planning to transition into full rental properties, a Debt Service Coverage Ratio (DSCR) loan can help once you move out and rent the property fully. Some programs even allow for a refi-to-rent structure down the road.

Seller Financing & Lease Options

Creative sellers may offer owner financing, letting you bypass banks altogether. You can also use a lease-option to rent before buying, giving you time to save and improve cash flow.


💰 Example: Turning a Duplex into a Cash-Flow Machine

Let’s say you buy a $450,000 duplex with an FHA loan (3.5% down = $15,750). You live in one unit and rent the other for $1,600 per month.
Your total mortgage might be around $2,400 — but with that rent covering two-thirds, you’re essentially living for $800/month while your tenants help you build equity.

Over five years, you’ve built wealth, created cash flow, and learned property management — all with minimal upfront capital.


📈 Why House Hacking Works in 2025

1.High Rents = Strong Cash Flow – Rental demand is still rising, especially in Texas metros like Houston, Katy, and Fulshear.

2.Low Entry Cost – Creative financing allows entry with low down payments.

3.Tax Advantages – You can deduct mortgage interest, depreciation, and property expenses.

4.Scalable Wealth Strategy – Start with one home, refinance later, and grow your portfolio over time.


🚀 How Medallion Funds Helps You Get Started

At Medallion Funds, we specialize in flexible financing solutions for first-time investors, self-employed borrowers, and creative buyers. Whether you’re exploring FHA, DSCR, or bank statement loans, our team can structure a plan that turns your living space into a long-term investment strategy.

💬 Ready to explore your house hacking options?
📲 Visit billrapponline.com to schedule a consultation.


🏁 Final Thoughts

House hacking isn’t just a trend — it’s a practical pathway to financial independence. With the right creative financing strategy, you can buy smarter, live cheaper, and start building generational wealth from your very first property.


https://www.billrapponline.com/

https://findamortgagebroker.com/Profile/WilliamRappJr28883

https://billrapp.commloan.com/

https://billrapponline.com/financingfuturescre-houston-katy

https://houstoncommercialmortgage.com/

https://author.billrapponline.com

https://doctorvideo.billrapponline.com/

https://veteransvideo.billrapponline.com/

https://mortgageviking.billrapponline.com/

https://fha203h.billrapponline.com/

https://renovationvideo.billrapponline.com

https://medallionfunds.com/bill-rapp/

https://www.amazon.com/dp/B0F32Z5BH2

https://veed.cello.so/FOmzTty6oi9


© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


DSCR loan for investorsHow to buy a duplex with low down paymentHouse hacking for beginnersMedallion Funds mortgage brokerReal estate investing strategiesVA multi-unitHouse Hacking 2025House Hacking 2026Creative financing for real estateFHA house hacking loansbank statement mortgage
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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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