Getting to Hell Yes! Live with Peter Yoder from Series Homes

The 75% Rule: How to Double Your Home Buying Power (That 97% of People Don't Know) | Getting to Hell Yes

What if you could double your purchasing power when buying a home, using the same income?

Peter Yoder, Founder of Series Homes, reveals the hidden federal lending policy that's been around since the 1960s but almost nobody knows exists: The 75% Rule for two-to-four unit properties.

"Your purchasing power in a six cap market for a two-to-four unit building is double what it would be for a single-family home. And you can do that with three and a half percent down through FHA."

🎯 IN THIS EPISODE:

→ The 75% Rule Explained: How buying a duplex/triplex/fourplex as your primary residence lets you count 75% of rental income when qualifying for your mortgage

→ The Math That Changes Everything: $100K salary → $600K home vs. $1.2M duplex with the same income

→ The Three Gaps Series Homes Is Closing: Search (MLS data is broken), Financing (most brokers don't know this exists), Management (first-time landlords are overwhelmed)

→ Why Two-to-Four Unit Properties Are Built at 1% of What They Should Be

→ The Missing Middle Problem: The most naturally occurring affordable housing nobody's building

→ Why Institutional Players Can't Touch This Space (and why that's your opportunity)

→ The Sequencing Failure: Why policy exists but the infrastructure doesn't

💡 KEY INSIGHTS:

"Two-to-four is perhaps the most naturally occurring affordable housing typology out there. If it's on a single-family zoned lot, it's large enough for the rental units to cover much if not most of the owner's mortgage. But it's built at one percent of the rate of single-family and large multifamily combined."

"If you call ten mortgage brokers and ask if you can count rental income on a property you're buying as a primary residence, eight will tell you no. They don't understand the policy."

"People think real estate investing is for rich people. But this strategy was literally designed by federal policy to help first-time buyers build wealth. It's been in place since the 1960s. We're just making it accessible."

📊 PETER'S BACKGROUND:

• Second hire at Flock (property management tech)

• Financial analyst at Progress Residential (institutional single-family)

• Studied housing policy in grad school

• Founded Series Homes to close the gap between policy intention and market reality

🔥 WHY THIS MATTERS:

97% of the rental market is mom-and-pop investors. This is how most people build wealth through real estate. But the infrastructure to support owner-occupied investing in two-to-four unit properties doesn't exist.

Series Homes is building that infrastructure:

✅ Clean MLS data that actually surfaces qualifying properties

✅ Lender partnerships with brokers who know the 75% rule

✅ Management support for first-time landlords

✅ End-to-end experience from search to closing to operations

THE ECONOMICS:

• Double purchasing power (same income)

• Cash flow from day one

• Near-zero housing costs

• Equity building in appreciating asset

• 3.5% down payment (FHA)

• Conventional, FHA, and VA all support this

🎙️ ABOUT GETTING TO HELL YES:

Getting to Hell Yes explores how the best operators and founders identify high-intent buyers, build differentiation that matters, and create winning strategies. Hosted by Guillermo from IrisCX.

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