The goal is simple: $600 net per door.

Our target is 139 units. 139 x $600 = about $83,000 a month, or roughly $1,000,000 in net profit a year.

You don't get there with one strategy. You get there with a diverse Section 8 portfolio, where some properties pay you every month and others hand you a check to buy the next one.

Method 1: Low-Entry Deals That Pay Monthly

Stacking gets easy when you can get into a property for about $5,000.

At that price, the property isn't tying up your capital. It's a cash flow machine. You find the deal, get in with little money down, place a Section 8 tenant, and collect.

Each deal needs so little cash that you can repeat it again and again. You put $5,000 in and get $600 a month out. That's the base of the portfolio.

Method 2: Cash-Out Refinance

The second method works on properties you already own.

On a home you own, you can typically pull out about 75% of its value in cash. A $100,000 property gets you a $75,000 check.

That check funds your next deals. You keep the house and the tenant, and you put the money back to work.

If you bought the house for cash, the new loan might come with about a $500 payment to the bank. With Section 8 rent covering that payment, the property can still net $600 to $700 per door.

Even With Two Payments, the Numbers Work

This is where people get nervous: "What if I have two loans on the same house?"

Run the numbers:

  • Seller payment: $200
  • Second loan: $500
  • Total debt: $700

Now say the property brings in $1,700 from Section 8:

  • $1,700 rent
  • minus $700 in payments
  • minus $200 for taxes and insurance
  • minus $200 set aside for repairs and vacancy
  • = $600 net

That's two loans on one house, and it still hits $600 a door.

The Real Key: Know Which Method Fits Which Property

Not every property should be handled the same way.

Some are better as monthly payers. They're cheap to get into and bring in steady rent, so you leave them alone and let them cash flow.

Others are better for a cash-out refinance. They have strong value and equity, and they can fund your next three or four deals.

The skill is knowing which is which before you buy. Look at:

  • Entry cost. How much cash does it take to get in?
  • Value and equity. How big a check could a refinance produce?
  • Rent. Does the Section 8 rent cover every payment and still leave $600?

Build It Diverse, Build It to Last

A portfolio built on one method is fragile. Building on both is how you stack.

The monthly payers give you steady income, and the cash-out refinances give you the money to keep buying. Together, they get you to 139 units and $1 million a year.

Find the deal. Pick the method. Stack the next one.