Would I need a huge amount of money to start in the real estate rental business?

Not necessarily! One of the biggest misconceptions about real estate investing is that you need millions upfront. But, that’s not always the case, especially when starting with condos or small units.

Here’s why:

Pre-selling units are beginner-friendly.

Many developers offer pre-selling condos with low monthly payment terms, sometimes as low as ₱10,000–₱15,000/month, spread over 2–4 years. You don’t need to pay the full amount right away, which makes it easier to budget and build your investment over time.

Financing is available.

You can also apply for a housing loan through banks or government programs like Pag-IBIG, which helps spread the cost over many years. This means you don’t need to have the full property price in cash.

You can start small.

You don’t need to buy a big house or a luxury unit. A studio or 1-bedroom condo in a strategic location can already generate steady rental income, especially near business hubs, schools, or transport lines.

You can co-invest.

Some investors partner with friends or family to pool resources and share the cost (and profits). This lowers your initial cash requirement and can help spread out risks.

So, do you need a huge amount to start?

Not really. What you do need is a good plan, the right property, and proper guidance. Starting small and smart can get you into the rental business without breaking the bank.