March 16, 2026
Using Credit Cards to Fund Real Estate Deals (The BRRRR Strategy)
In this episode, Aviva sits down with Brandon to break down the BRRRR strategy — Buy, Renovate, Rent, Refinance, Repeat — and how investors can use credit strategically to fund value-add real estate deals.
Key Topics Covered
- What the BRRRR strategy is and how it works
- How investors use 0% interest credit cards to fund deals
- The difference between good debt and bad debt
- How refinancing allows investors to recycle capital
- The role of personal brand and social media in sourcing deals
Follow the podcast to learn more strategies for investing in real estate.
From the CRE Secrets Archives: This episode has been lightly edited to remove time-sensitive references and keep the discussion evergreen.
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Can you explain to the listeners
what the birth strategy is?
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Yeah, of course.
So the birth strategy, it's B
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and then four Rs.
The acronym basically just
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stands for a value add
proposition to your real estate.
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So it's buy, renovate, rent,
refinance, repeat.
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So the whole goal is kind of
like a fix and flip, except
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instead of selling it for a one
time profit, you're actually
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just taking it back to the bank
with that new value and
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refinancing, getting all your
money back and then paying off
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the credit cards that what we
use, right?
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Or private money loans or your
own capital that you put into
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it, paying that off and then
repeat the process.
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So you have a small mortgage on
it, but a cash flows brings in
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more than that per month.
So explain the utilization of
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credit cards, because credit
cards are a fascinating thing
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that can go very, very wrong.
Sure if.
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Utilized improperly.
Yeah, unfortunately they're not
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teaching it in school.
So I figured if it was up to me
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type of approach and I had to
figure out how to utilize this
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credit to be able to get credit
cards, liquidate it in the cash
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and then actually use it for
real estate.
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But intelligently have it have
backup plans.
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And I was very cheap for the
longest time, so I was
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desperately looking for those 0%
interest introductories so that
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I could take advantage of it and
not pay a premium.
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Wow.
OK.
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So the strategy is to get a 0%
APR credit card with a high
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limit.
And So what do you do from
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there?
So at Credit Counsel Elite, we
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teach business owners nationwide
how to be able to get up to
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$500,000 in new capital.
And in many cases it's 0%
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interest, as low as 0% interest.
This is 234 or even $500,000.
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We've had people get $600,000
and you could do this every six
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months.
The 0% interest is anywhere from
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six months to 24 months, but on
average typically it's about 18
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months.
So every six months you have the
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ability to go out there and get
more funding.
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But you know these are
opportunities that you get this
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new capital 0% interest and then
you can put it to work in your
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own business, grow, scale or
diversify.
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We're doing a fix and flip right
now like couple houses down the
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street.
I was just visiting and it's
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going to take 9 days to be able
to complete within 90 days.
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If I have a 0% interest credit
card similar to these that I
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could actually just liquidate
and I have 0% interest for 18
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months.
That gives me a lot of time with
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a lot of backup plans that I can
knockout in that 90 days to
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remodel, get great return and
then do it again.
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How do you mitigate your risk
when doing this?
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Yeah.
So I don't look at it as a risk.
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When you get properly educated
on the actual difference between
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good debt and bad debt, I rather
borrow from myself, from the
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banks, from my credit, versus
borrowing from grandma or
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raising hard money like good
money from people that work
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their butt off for it.
You know that to me that sounds
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risky.
But again, people do it all the
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time and I do it as well.
As a real estate investor, it's
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very common to raise capital.
I've raised millions.
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It comes down to looking at the
deal itself and, and having
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backup plans, having like I only
go after real estate deals that
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I'm, you know, it would be a
very, it would be catastrophic
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if something happened that I
didn't make a quarter million
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off of it.
So this deal in particular a lot
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of upside will probably make at
least half a million off of it.
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Our last one that we did, we
netted $475,000.
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So I don't do this all the time.
I cherry pick one or two of
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these deals throughout the year
that are going to be just a home
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run.
Yeah, I think in real estate,
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people think finding that deal
is easy.
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I don't think people realize how
much work and effort it takes to
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find that killer deal.
You're probably underwriting
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dozens, if not more hundreds of
properties to find the deal that
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pencils properly for your
strategy.
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So for me personally, I would
say yes and no.
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I worked hard to get to where
I'm at, but I also understand I
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do have a lot of favor in my
life where I live in California.
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I don't think making a half,
$1,000,000 on a deal would
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necessarily work in some other
parts of the country.
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I do pay higher taxes over here.
I have a crazy political stuff
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over here.
We have some other wild things
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going on.
So you know, pros and cons.
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But within this area that I
live, I do have the opportunity
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that if I can get a off market
deal and it really just comes
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down to my brand, like the deals
that I get it, it kind of like
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people brought them to me
because they know what I do.
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I've build up my personal brand
and so people are sending me
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opportunities regularly and then
I just cherry pick like this was
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an off market deal.
Same thing with the one
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previously.
I know what it takes to close a
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deal and get the the seller on
my side.
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So how did you build your
personal brand up?
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Yeah, I think consistency is
really the name of the game on
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social media.
It's one of those things like
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I'm not a huge fan of social
media at all.
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But then again, it's a love hate
relationship because I get a lot
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of money from social media.
I get the exposure needed to be
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impactful and I get a lot of
fulfillment by having that
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opportunity to bless other
people with the knowledge that I
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have now.
But what I would say is there's
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a lot of nasty stuff on social
media.
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There's a lot of hate.
You know, everybody's shouting
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out scam or not getting therapy
like they need and they they
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jump on social media and do it
there.
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But what it, what it has taken
is really just being like
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showing up, being consistent and
doing it regularly.
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People will naturally give you
respect.
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And then if you can get in front
of a million people at which we
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pay ads, you know, I pay $50,000
a month on ads and so forth.
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I speak on stages.
We have a book podcast
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ourselves, things like that.
Over time, I've been doing this
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for 10 plus years, But over time
it adds value.
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And when you get in front of a
million people, for example, say
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100,000 of that million actually
likes you, you know, you get a a
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million to know you 100,000 that
like you.
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And then you get 10,000 out of
that that actually trust you.
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Now you got 10,000 people that
are willing to pay you money for
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whatever your services are.
And so that know like and trust
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factor, it really does people
give it to you over time, people
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are naturally just going to like
you or or not, and that's just
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what it is.
But you got to, you got to give
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them that opportunity by showing
up, being consistent and doing
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the things that most other
people will make excuses for.
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Yeah, I like to draw a parallel
between creating a brand and
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real estate in that they're both
long games, and it's that
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consistency over a long period
of time is when you can extract
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the most value.
But this isn't rocket science.
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That's literally how to build a
business, how to become
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successful, how to build wealth.
It's the same play, yeah.
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Just.
A different field.
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And so many of us,
unfortunately, we get spoiled or
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like we have that millennial
mentality and it's like we want
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something yesterday or we're
looking on social media and we
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see somebody just made all this
success.
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It's like as if it's overnight.
If you are just starting to
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follow me today, trust me, it
might look like an overnight
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success, which looks cool, but
I've been doing this for a very
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long time and there was nothing
easy about it so.
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So tell me about Credit Council
Elite, what it is, what it looks
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like.
Yeah, yeah, and some.
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Yeah.
The the best thing that I could
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explain is it's really the
financial literacy that our
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school system should have been
teaching for a very long time.
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We teach basically how the banks
and lenders are judging you so
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you know how to play the game.
At the end of the day, we are
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literally teaching business
owners nationwide how to be able
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to flip the script on the banks
and get massive amounts of
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funding, 234, even $500,000
every six months at within 30 to
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90 days you can implement these
strategies.
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And so we want to get people the
90% approval odds and actually
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the highest limits with the best
terms and conditions possible.
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I could talk all day about how
ridiculous it is that the school
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systems don't teach financial
literacy, but I would bore
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everybody because we all know
it's.
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We all know.
We all know.
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It's a broken system.
It takes somebody to step up and
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actually put that stuff into
place.
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And so I'm very blessed.
Like I look at flipping the
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script on the banks.
It just like this.
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At the end of the day, we we
give all of our money to the
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banks, right?
We have all of our money there.
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They give us .00% back,
literally nothing basically.
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And then they put it to work 9
times over and they're averaging
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anywhere from 500 to 3000%.
This is what people don't
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realize.
And because they're lending it
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out back to us and other
individuals on personal loans,
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auto loans, mortgages, credit
cards, they get a huge ROI off
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this stuff.
And so I look at it is it's time
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to flip the script on the banks.
Let's get the OPM, other
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people's money from the banks at
0% interest for 1824 months and
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let's put it to work and make
those infinite returns just like
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they do.
It's like the banks take
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advantage of us.
You can educate yourself and
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work the system in the same way
that they, yeah, just work
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society.
They've already.
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Interesting.
They've already given us the
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road map.
It's what they do.
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Wow, they've.
Already given us the road map,
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we just need to acknowledge that
is the road map.
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And then how do we flip the
script?
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How do we start taking small
little chunks of that and doing
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it to our ourselves and giving
us the alley oop?
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And so this has allowed me to
start and scale multiple
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businesses and to be able to
really make the impact that I
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have, but also get the financial
freedom that I've always desired
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and then be able to buy homes
for my family members and like
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really start setting up
ourselves for generational
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wealth.
Unlocking literally the door to
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real estate is very, very, very
impactful and very powerful when
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it comes to creating legacy,
like you said, generational
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wealth and financial freedom.
00:00:03,040 --> 00:00:07,440
Can you explain to the listeners
what the birth strategy is?
2
00:00:07,680 --> 00:00:09,840
Yeah, of course.
So the birth strategy, it's B
3
00:00:09,840 --> 00:00:12,160
and then four Rs.
The acronym basically just
4
00:00:12,160 --> 00:00:15,760
stands for a value add
proposition to your real estate.
5
00:00:15,760 --> 00:00:19,800
So it's buy, renovate, rent,
refinance, repeat.
6
00:00:20,160 --> 00:00:23,000
So the whole goal is kind of
like a fix and flip, except
7
00:00:23,000 --> 00:00:25,760
instead of selling it for a one
time profit, you're actually
8
00:00:25,760 --> 00:00:28,480
just taking it back to the bank
with that new value and
9
00:00:28,480 --> 00:00:31,840
refinancing, getting all your
money back and then paying off
10
00:00:31,840 --> 00:00:34,680
the credit cards that what we
use, right?
11
00:00:34,680 --> 00:00:37,880
Or private money loans or your
own capital that you put into
12
00:00:37,880 --> 00:00:40,440
it, paying that off and then
repeat the process.
13
00:00:40,440 --> 00:00:43,480
So you have a small mortgage on
it, but a cash flows brings in
14
00:00:43,480 --> 00:00:48,720
more than that per month.
So explain the utilization of
15
00:00:48,720 --> 00:00:53,320
credit cards, because credit
cards are a fascinating thing
16
00:00:53,320 --> 00:00:56,560
that can go very, very wrong.
Sure if.
17
00:00:56,560 --> 00:00:59,880
Utilized improperly.
Yeah, unfortunately they're not
18
00:00:59,880 --> 00:01:03,720
teaching it in school.
So I figured if it was up to me
19
00:01:03,720 --> 00:01:08,000
type of approach and I had to
figure out how to utilize this
20
00:01:08,000 --> 00:01:12,320
credit to be able to get credit
cards, liquidate it in the cash
21
00:01:12,560 --> 00:01:14,720
and then actually use it for
real estate.
22
00:01:14,960 --> 00:01:17,400
But intelligently have it have
backup plans.
23
00:01:17,560 --> 00:01:20,000
And I was very cheap for the
longest time, so I was
24
00:01:20,080 --> 00:01:24,240
desperately looking for those 0%
interest introductories so that
25
00:01:24,240 --> 00:01:26,240
I could take advantage of it and
not pay a premium.
26
00:01:27,240 --> 00:01:28,040
Wow.
OK.
27
00:01:28,040 --> 00:01:36,200
So the strategy is to get a 0%
APR credit card with a high
28
00:01:36,200 --> 00:01:38,960
limit.
And So what do you do from
29
00:01:38,960 --> 00:01:41,760
there?
So at Credit Counsel Elite, we
30
00:01:41,760 --> 00:01:45,560
teach business owners nationwide
how to be able to get up to
31
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$500,000 in new capital.
And in many cases it's 0%
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interest, as low as 0% interest.
This is 234 or even $500,000.
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We've had people get $600,000
and you could do this every six
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months.
The 0% interest is anywhere from
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six months to 24 months, but on
average typically it's about 18
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months.
So every six months you have the
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ability to go out there and get
more funding.
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But you know these are
opportunities that you get this
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new capital 0% interest and then
you can put it to work in your
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own business, grow, scale or
diversify.
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00:02:23,560 --> 00:02:26,360
We're doing a fix and flip right
now like couple houses down the
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street.
I was just visiting and it's
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going to take 9 days to be able
to complete within 90 days.
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If I have a 0% interest credit
card similar to these that I
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could actually just liquidate
and I have 0% interest for 18
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00:02:40,760 --> 00:02:43,440
months.
That gives me a lot of time with
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a lot of backup plans that I can
knockout in that 90 days to
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remodel, get great return and
then do it again.
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00:02:50,760 --> 00:02:53,600
How do you mitigate your risk
when doing this?
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00:02:54,520 --> 00:02:56,720
Yeah.
So I don't look at it as a risk.
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When you get properly educated
on the actual difference between
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good debt and bad debt, I rather
borrow from myself, from the
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banks, from my credit, versus
borrowing from grandma or
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raising hard money like good
money from people that work
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their butt off for it.
You know that to me that sounds
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risky.
But again, people do it all the
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time and I do it as well.
As a real estate investor, it's
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very common to raise capital.
I've raised millions.
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It comes down to looking at the
deal itself and, and having
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backup plans, having like I only
go after real estate deals that
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I'm, you know, it would be a
very, it would be catastrophic
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if something happened that I
didn't make a quarter million
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off of it.
So this deal in particular a lot
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of upside will probably make at
least half a million off of it.
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Our last one that we did, we
netted $475,000.
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So I don't do this all the time.
I cherry pick one or two of
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these deals throughout the year
that are going to be just a home
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run.
Yeah, I think in real estate,
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people think finding that deal
is easy.
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I don't think people realize how
much work and effort it takes to
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find that killer deal.
You're probably underwriting
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dozens, if not more hundreds of
properties to find the deal that
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pencils properly for your
strategy.
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So for me personally, I would
say yes and no.
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I worked hard to get to where
I'm at, but I also understand I
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do have a lot of favor in my
life where I live in California.
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I don't think making a half,
$1,000,000 on a deal would
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necessarily work in some other
parts of the country.
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I do pay higher taxes over here.
I have a crazy political stuff
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over here.
We have some other wild things
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going on.
So you know, pros and cons.
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But within this area that I
live, I do have the opportunity
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that if I can get a off market
deal and it really just comes
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down to my brand, like the deals
that I get it, it kind of like
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people brought them to me
because they know what I do.
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I've build up my personal brand
and so people are sending me
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opportunities regularly and then
I just cherry pick like this was
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an off market deal.
Same thing with the one
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previously.
I know what it takes to close a
90
00:05:17,360 --> 00:05:21,280
deal and get the the seller on
my side.
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00:05:22,360 --> 00:05:24,880
So how did you build your
personal brand up?
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Yeah, I think consistency is
really the name of the game on
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social media.
It's one of those things like
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I'm not a huge fan of social
media at all.
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But then again, it's a love hate
relationship because I get a lot
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of money from social media.
I get the exposure needed to be
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impactful and I get a lot of
fulfillment by having that
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00:05:44,200 --> 00:05:46,440
opportunity to bless other
people with the knowledge that I
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have now.
But what I would say is there's
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a lot of nasty stuff on social
media.
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00:05:50,480 --> 00:05:52,640
There's a lot of hate.
You know, everybody's shouting
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00:05:52,640 --> 00:05:56,160
out scam or not getting therapy
like they need and they they
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jump on social media and do it
there.
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But what it, what it has taken
is really just being like
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showing up, being consistent and
doing it regularly.
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00:06:05,400 --> 00:06:07,440
People will naturally give you
respect.
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And then if you can get in front
of a million people at which we
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pay ads, you know, I pay $50,000
a month on ads and so forth.
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I speak on stages.
We have a book podcast
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ourselves, things like that.
Over time, I've been doing this
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00:06:22,600 --> 00:06:25,920
for 10 plus years, But over time
it adds value.
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00:06:26,200 --> 00:06:29,680
And when you get in front of a
million people, for example, say
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00:06:29,680 --> 00:06:34,320
100,000 of that million actually
likes you, you know, you get a a
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million to know you 100,000 that
like you.
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And then you get 10,000 out of
that that actually trust you.
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Now you got 10,000 people that
are willing to pay you money for
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whatever your services are.
And so that know like and trust
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00:06:47,720 --> 00:06:51,960
factor, it really does people
give it to you over time, people
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00:06:51,960 --> 00:06:54,520
are naturally just going to like
you or or not, and that's just
120
00:06:54,520 --> 00:06:56,640
what it is.
But you got to, you got to give
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00:06:56,640 --> 00:06:59,760
them that opportunity by showing
up, being consistent and doing
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00:06:59,760 --> 00:07:02,600
the things that most other
people will make excuses for.
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00:07:03,360 --> 00:07:09,360
Yeah, I like to draw a parallel
between creating a brand and
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real estate in that they're both
long games, and it's that
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consistency over a long period
of time is when you can extract
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00:07:18,560 --> 00:07:21,160
the most value.
But this isn't rocket science.
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That's literally how to build a
business, how to become
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successful, how to build wealth.
It's the same play, yeah.
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00:07:29,560 --> 00:07:30,920
Just.
A different field.
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00:07:31,200 --> 00:07:34,720
And so many of us,
unfortunately, we get spoiled or
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like we have that millennial
mentality and it's like we want
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something yesterday or we're
looking on social media and we
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see somebody just made all this
success.
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00:07:43,520 --> 00:07:47,240
It's like as if it's overnight.
If you are just starting to
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00:07:47,240 --> 00:07:50,720
follow me today, trust me, it
might look like an overnight
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00:07:50,720 --> 00:07:54,240
success, which looks cool, but
I've been doing this for a very
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00:07:54,240 --> 00:07:56,760
long time and there was nothing
easy about it so.
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00:07:57,200 --> 00:08:01,880
So tell me about Credit Council
Elite, what it is, what it looks
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00:08:01,880 --> 00:08:04,480
like.
Yeah, yeah, and some.
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00:08:04,840 --> 00:08:06,440
Yeah.
The the best thing that I could
141
00:08:06,440 --> 00:08:09,000
explain is it's really the
financial literacy that our
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00:08:09,000 --> 00:08:12,160
school system should have been
teaching for a very long time.
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00:08:12,360 --> 00:08:15,560
We teach basically how the banks
and lenders are judging you so
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you know how to play the game.
At the end of the day, we are
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literally teaching business
owners nationwide how to be able
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00:08:20,960 --> 00:08:23,960
to flip the script on the banks
and get massive amounts of
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00:08:23,960 --> 00:08:29,520
funding, 234, even $500,000
every six months at within 30 to
148
00:08:29,520 --> 00:08:32,120
90 days you can implement these
strategies.
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00:08:32,440 --> 00:08:38,159
And so we want to get people the
90% approval odds and actually
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00:08:38,240 --> 00:08:41,320
the highest limits with the best
terms and conditions possible.
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00:08:44,159 --> 00:08:46,800
I could talk all day about how
ridiculous it is that the school
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00:08:46,800 --> 00:08:50,760
systems don't teach financial
literacy, but I would bore
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00:08:50,760 --> 00:08:53,000
everybody because we all know
it's.
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00:08:53,000 --> 00:08:55,440
We all know.
We all know.
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00:08:55,760 --> 00:08:59,320
It's a broken system.
It takes somebody to step up and
156
00:08:59,320 --> 00:09:00,960
actually put that stuff into
place.
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00:09:01,160 --> 00:09:03,400
And so I'm very blessed.
Like I look at flipping the
158
00:09:03,400 --> 00:09:05,680
script on the banks.
It just like this.
159
00:09:05,840 --> 00:09:09,080
At the end of the day, we we
give all of our money to the
160
00:09:09,080 --> 00:09:11,120
banks, right?
We have all of our money there.
161
00:09:11,360 --> 00:09:16,200
They give us .00% back,
literally nothing basically.
162
00:09:16,600 --> 00:09:21,400
And then they put it to work 9
times over and they're averaging
163
00:09:21,400 --> 00:09:24,840
anywhere from 500 to 3000%.
This is what people don't
164
00:09:24,840 --> 00:09:27,080
realize.
And because they're lending it
165
00:09:27,080 --> 00:09:31,320
out back to us and other
individuals on personal loans,
166
00:09:31,320 --> 00:09:36,320
auto loans, mortgages, credit
cards, they get a huge ROI off
167
00:09:36,320 --> 00:09:39,520
this stuff.
And so I look at it is it's time
168
00:09:39,520 --> 00:09:42,120
to flip the script on the banks.
Let's get the OPM, other
169
00:09:42,120 --> 00:09:47,440
people's money from the banks at
0% interest for 1824 months and
170
00:09:47,440 --> 00:09:49,880
let's put it to work and make
those infinite returns just like
171
00:09:49,880 --> 00:09:51,920
they do.
It's like the banks take
172
00:09:51,920 --> 00:09:55,640
advantage of us.
You can educate yourself and
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00:09:55,640 --> 00:10:00,520
work the system in the same way
that they, yeah, just work
174
00:10:00,520 --> 00:10:02,720
society.
They've already.
175
00:10:02,960 --> 00:10:04,880
Interesting.
They've already given us the
176
00:10:04,880 --> 00:10:06,960
road map.
It's what they do.
177
00:10:07,840 --> 00:10:09,800
Wow, they've.
Already given us the road map,
178
00:10:09,800 --> 00:10:12,920
we just need to acknowledge that
is the road map.
179
00:10:13,320 --> 00:10:15,000
And then how do we flip the
script?
180
00:10:15,000 --> 00:10:17,800
How do we start taking small
little chunks of that and doing
181
00:10:17,800 --> 00:10:21,040
it to our ourselves and giving
us the alley oop?
182
00:10:21,280 --> 00:10:24,880
And so this has allowed me to
start and scale multiple
183
00:10:24,880 --> 00:10:28,400
businesses and to be able to
really make the impact that I
184
00:10:28,400 --> 00:10:31,840
have, but also get the financial
freedom that I've always desired
185
00:10:31,840 --> 00:10:35,760
and then be able to buy homes
for my family members and like
186
00:10:35,760 --> 00:10:37,880
really start setting up
ourselves for generational
187
00:10:37,880 --> 00:10:42,080
wealth.
Unlocking literally the door to
188
00:10:42,080 --> 00:10:47,120
real estate is very, very, very
impactful and very powerful when
189
00:10:47,120 --> 00:10:51,320
it comes to creating legacy,
like you said, generational
190
00:10:51,320 --> 00:10:53,040
wealth and financial freedom.
