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Investing in real estate with a limited budget, how do I get started?

investing in real estate

Investing in real estate, that’s something only rich people are able to do’. It’s something many of us think all too often. But nothing could be further from the truth! Even with a smaller budget, you can nowadays make great investments. We’re happy to explain how!


Investing in real estate is much more than just a financial decision. Whether it is an office space, a flat or a larger house, the purchase of real estate also involves an emotional rollercoaster. From rejoicing to a moment of fear when you make a large payment, to the pride that comes with financial success. But which investment strategies are worth considering? And which ones fit your budget?

Investing in real estate, what does it mean?

Real estate means ‘land and everything built on it’. Anyone who invests in property usually buys a building or a house wanting a return on investment. This return can be achieved in two ways: by renting out the purchased property and receiving rental income, or by renovating the property (this irrevocably increases the value of your property) and reselling it after a certain period of time. With both formulas, you can raise enough capital to repay your loan and perhaps even earn some extra on top of it. We call this approach ‘property investment’.

Are you not yet fully aware of how ‘property investing’ works? You can easily compare it to a game of Monopoly. The aim of the popular game is to buy as many properties as possible as quickly as possible. Does someone land on a space where you have a house or hotel? Or do you own the whole street? Then ‘visitors’ have to pay you rent. Do they want to buy a space from you? Then you ask more money for that particular investment (with or without an extra house or hotel) than you paid for it yourself.

Types of property

We distinguish three different types of real estate: residential property, commercial property and holiday property. But which type of investment is needed for which type of property? And what will it cost you?

Residential property

Residential property is an umbrella term for property that will be used primarily for living in. So are you buying a new home to live in with your family? Or do you decide to invest in a flat in the city to live in yourself? In this case, we are talking about residential property.

Commercial real estate

With commercial real estate we mean the purchase or sale of premises where ‘own use’ is not the final goal. Office spaces for large and small companies, shops and spaces with other purposes are part of this.

Holiday property

The word speaks for itself: holiday real estate is real estate that you invest in when you are looking for a second or outer home. Although the gross return on a second home is not much more than the return on a first property investment, people are increasingly choosing to purchase a second property as an investment.

Depending on what your goal and budget is, you can invest in different types of property. And today, you can make an investment with a fairly limited budget: with a starting capital of around 25,000 euros, you are already well on your way to securing a loan from the bank and, consequently, to becoming a property investor.

4 tips for investing in real estate on a tight budget

1. Define your strategy

Before you invest in real estate, you should ask yourself the following questions: do I want to buy real estate for personal use or do I want to buy the property as an investment in order to rent it out afterwards and get an income from it? And if I want to invest in a property to rent out afterwards, which type of property should I choose? Residential, commercial or a holiday home? Obviously, you want your real estate investment to generate returns in the long run, whether in the form of rental income or a sale. So it is best to consider all the options before ‘opting’ directly for a specific property.

2. Choose territory with growth potential

You have probably read it a few times already, but if you also want to benefit from your investment, choosing the right location is key. If you are looking for office space, it is best to choose a location that is closer to a (large) city. For a (single) house with a garden, it is advisable to choose something further out than the city centre. Prefer to live in a flat? Then again, you’d better choose a location that is a little closer to a city or village centre.

But not only the location of your property is an important location-related factor, also the real estate agents active in the area play an important role in the choice of a property tailored to your needs.

3. The interest rate, important for your investment

Do you have a starting capital of 25,000 euros? Well look at you! Then it’s quite possible that you have a chance of getting a loan to finance the remaining capital needed for your real estate property. But a loan also plays a crucial role in making an investment.

If you want to borrow, you have to deal with interest rates. And those interest rates have a big impact on your repayment and therefore also on the return you can get from your investment. If you borrow at a low interest rate, in principle you can borrow more from the bank and you need to contribute less yourself. As a result, the return on your capital may even increase exponentially and you may even be able to pay off your loan sooner. The message here is to negotiate your interest rate well before you actually take out the loan.

4. Start investing in real estate from an early age

Today, real estate is only increasing in value. So, the earlier you start investing in real estate, the faster your invested capital will return. If you invest in a garage box in your twenties, by the time you reach your thirties, it will yield more capital when you sell it than when you bought it. You can then use that capital for a larger investment, which you might not have been able to make at that age without the proceeds of that garage box… If you then sell that property, you again have more capital to invest in something even bigger, and so on. Who knows, by the time you are 50, you may even be able to buy property for your children! An advantage that can only make everyone happy!

Conclusion? Investing in real estate is certainly not just for the rich. With the right strategy, the right insights and the right approach, you can also invest wisely with a smaller budget!

Immowi Assistance

There is often an invisible wall between marketing and sales. Companies invest in marketing campaigns to generate leads, but do not take the right actions to turn those leads into customers. To remedy this shortcoming, the strategic online lead generator Immowi is adding a new extension: Immowi Assistance. Until now, we delivered high quality leads thanks to online marketing, but with Immowi Assistance we significantly increase the chance of these leads actually becoming customers. Thanks to this approach, companies that do business with us know how to convert their leads and have a platform where the leads are offered on a silver platter, ready to be converted into valuable customers.
Extremely result-oriented
We could make it easy on ourselves and be happy with just bringing in high-quality leads. But it’s frustrating when your hard work doesn’t follow through. Immowi’s great strength has always been that we are very results-oriented. Many marketers have a reputation for selling hot air, because they can’t substantiate their returns. We did that right from the start, and that’s why we were able to grow from one to more than 10 full-time employees in a very short period of time.
With MyImmowi we just go one step further than what classic lead generators do. We go to the point where a lead becomes a valuable prospect. We help our customers convert their leads into customers.
Entrepreneurial mindset always in mind
MyImmowi builds the bridge between marketing and sales. We Make it as easy as possible for the client to contact the lead. You have to keep them warm. If you let a few days or even weeks pass between the moment a lead shows interest in your product and the moment you contact that lead, you will lose him. Then your success ratio will remain low. So, we try to immediately set an appointment in the diaries of our clients’ salespeople. You have to strike while the iron is hot.
Letting sales people do what they do best
Sales people like to sell, but they thoroughly hate administration. They keep track of their leads, their appointments and their deals in Excel, or even with pen and paper. They only keep track of their own prospects. Many companies do not have a sales pipeline. So, you risk sending a quotation to a customer after a successful meeting, but ultimately missing the customer because you forgot to follow up on the quotation. You’re almost done, but because of the lack of a decent digital process you miss out on a customer – and therefore also on turnover.
We pick the low-hanging fruit for our customers. We automate the entire process from lead to customer, and put it into one clear dashboard. This way, as a business manager, you can follow everything from A to Z. How many leads does a campaign produce? How many of those leads drop out along the way? How many become customers? What stage is each lead in? The personnel cost of sales people is very high in many companies. If sales people do not lose time calling leads and recording appointments – which we do – they can focus on what they are really good at. And that is still selling, closing deals.
Measuring ROI to the euro
We bring marketing and sales under one roof. That way, you can make your campaigns much more effective. Imagine that your campaigns for one brand on Facebook and on Google both generate 10 leads, but that 8 of those 10 Facebook leads become customers and only 2 of those 10 Google leads. If you’re purely marketing, you won’t get that information and so you’ll continue to put the same amount of effort into Facebook and Google.
If you also include the sales part and you do get that information, then you can turn the right buttons, redirect your budgets and generate much more turnover.