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Building a portfolio with HMO , 0% credit card and JV with Family


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I'm keen to get started in property investing. Have a 5 year plan to gain £2000 net rental income a month.


From my research I won't be able to get a HMO mortgage without a minimum of 6 months as a BTL landlord. So would it be correct for me to get a low cost BTL that generates positive cash flow then get a HMO property later. 


Have little saving and £25k salary, whats everyone's ideas on raising a deposit using 0% interest credit card?

Also parents have 1 rental property with no debt attached to it and would like to invest in another property, how can i structure the property so that both of us can grow our portfolio?



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