Why the Wealthiest People Don’t Talk About “No Money Down”

 In real estate circles, "no money down" is a buzzword.

It's appealing, especially to beginners, because it suggests you can start investing without having much (or any) cash. But here’s the reality: the wealthiest people I know don’t talk about “no money down.”

Does that make “no money down” strategies wrong?

Not necessarily.

But just because you can buy real estate with no money down doesn’t automatically make it a good deal.

What Do the Wealthy Talk About?

The truly wealthy focus on business fundamentals and financial metrics like:

• EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization)
• Top-line revenue
• Margins
• Bottom-line revenue
• P&L statements

They’re running well-oiled machines.

Why?

Because a well-run business will always outperform a well-run investment in terms of monthly cash flow.

Business First, Investments Second

It took me years to understand this (I’m a slow learner), but it’s a game-changer:

• Businesses are for income and cash flow.
• Investments are for tax shelters, capital preservation, and residual cash flow.

The wealthiest people I know build businesses that generate RIDICULOUS cash flow.

Then, they funnel that cash flow into investments to create more wealth.

My Journey: Business + Investments

My first business was (and still is) wholesaling real estate.

Wholesaling is a business.

It’s not passive—it’s a function of marketing and sales.

Yet, it’s an incredible cash flow generator.

People often ask, “Matt, why do you still wholesale? Isn’t that beginner-level stuff?”

I keep wholesaling because the margins are insane, and it integrates perfectly with my buy-and-hold investment strategy.

Here’s an example: I recently bought a new piece of real estate.

• Did I use private money? No.
• Did I use hard money? No.
• I used 100% of my own cash.

Why? Because I had the liquidity from my business, and it made sense for that deal.

Rethink What You’re Being Taught

The idea that you should never use your own cash is a popular mantra in real estate circles.

But is it always right? That depends.

Hanging out exclusively in real estate groups can limit your perspective.

The wealthiest people I know balance their time between business and investment circles, learning to think like both an entrepreneur and an investor.

A Different Perspective

Here’s the bottom line:

1. Build a business that generates significant cash flow.
2. Use that cash flow to invest in assets that preserve and grow your wealth.

“No money down” isn’t inherently bad—it’s a tool.

But it’s not the cornerstone of long-term wealth.

Want to expand your mindset? Spend time around successful business owners.

They’ll teach you how to build the kind of cash flow machine that fuels lasting financial freedom.

Click HERE to join my #1 Coaching Group every Tuesday!