Your W-2 Income Is the Exact Profile FHA Lenders Look For
3 sessions. 135 minutes total. A clear plan to go from renting to owning — using the income you already have.
100% satisfaction guarantee · $97 rolls over as program credit
Join the First Step Challenge
A 3-day, 1-on-1 coaching sprint that turns "I want to buy a house" into "Here's exactly how I'm going to do it."
"Give me 3 sessions — 135 minutes total — and I'll hand you a personalized roadmap to your first house hack."
Thomas Collins
Founder, ShiftRich
Even if you've never looked at a mortgage in your life.
No experience needed. No real estate license. No perfect credit score.
Sound familiar?
For Anyone Researching Real Estate Online But Still Hasn't Made a Move
You've watched the YouTube videos. Read the Reddit threads. Maybe even toured a property or two.
But you still don't know your real numbers — what you can actually afford, what lenders will approve, or whether a deal is actually good.
You're not lazy. You're not behind. You just don't have a plan built around your situation.
That's exactly what the First Step Challenge fixes — in 3 sessions.
Watch this first
See What the Challenge Looks Like
Video coming soon
The First Property Is the Hardest One. Until Now.
Every experienced investor will tell you the same thing: the first deal is the scariest. Not because it's the riskiest — but because you don't know what you don't know. The First Step Challenge eliminates that uncertainty in 3 focused sessions.
You Don't Need...
You just need a plan. We'll build it together.
Thomas Collins
Founder, ShiftRich
A note from Thomas:
I bought my first house hack in 2017. A duplex. I was terrified. I didn't come from money, didn't have a mentor, and I made mistakes — overpaid on my first renovation, underestimated tenant screening, and nearly broke even for the first year.
But that first property changed everything. It cut my housing cost to near zero, built equity I could leverage, and gave me a framework I've used to build a portfolio since.
I created the First Step Challenge because I wish someone had sat down with me for 135 minutes and said: "Here are your real numbers. Here's how to read a deal. Here's your plan for the next 90 days."
That's what this is. No fluff. No upsell pressure. Just a clear starting line — built around your real situation.
If you're ready to stop researching and start moving, I'll meet you inside.
Who This Is For
✅ Perfect for you if:
✗ Not the right fit if:
Your First Property, Not Your Tenth.
This isn't about building an empire overnight. It's about taking the first step with clarity, confidence, and a real plan.
The curriculum
How It Works: 3 Days, 3 Outcomes
Your Real Numbers
"What can I actually afford?"
- Build your Buyer Blueprint — income, debt, savings, and credit score
- Run your FHA pre-qualification estimate (no lender needed yet)
- Identify your target market and property type
- Leave with: a 1-page Buyer Snapshot you can hand to any lender
Read a Deal Like an Investor
"Is this property worth it?"
- Walk through a real listing using the ShiftRich Deal Scorecard
- Calculate rent potential, cash flow, and house hack offset
- Use AI deal analysis to stress-test the numbers
- Leave with: one scored deal and the confidence to evaluate more
Your 90-Day Roadmap
"What do I do Monday morning?"
- Map your next 12 weeks: credit improvement, savings milestones, lender conversations
- Identify 2–3 lenders to contact and exactly what to say
- Set your first-offer target date
- Leave with: a 90-Day Milestone Map — your personal action plan
You'll Walk Away With a 90-Day Milestone Map
Not a generic checklist. A personalized, week-by-week action plan built around your real income, credit score, savings, and target market. This is your roadmap from "thinking about it" to "making an offer."
The transformation
Before vs. After the Challenge
Why $97?
Because free advice is everywhere — and it's keeping you stuck. The $97 is a filter. It means you're serious. It means you'll show up, do the homework, and follow through.
It also means Thomas is investing real time in your situation — not delivering a one-size-fits-all webinar.
And here's the best part: if you decide to join any ShiftRich program after the challenge, your $97 rolls over as credit. You're not spending it — you're investing it.
What's Included
The Details
What
3-Day First Step Challenge
Format
1-on-1 Zoom sessions (45 min each)
When
Book your sessions after enrollment
Investment
$97 (rolls over as program credit)
Deliverable
90-Day Milestone Map
Support
7 days of email follow-up
Ready to Take the First Step?
Stop scrolling. Stop researching. Start building.
Your W-2 income is your superpower. Let's build a plan around it — together.
Start the Challenge — $97P.S. — If you scrolled straight to the bottom, here's the short version: For $97, you get 3 private coaching sessions with Thomas Collins, a personalized Buyer Blueprint, a scored real deal analysis, and a 90-Day Milestone Map. If you join any ShiftRich program later, the $97 rolls over as credit. If you complete the challenge and don't find it valuable, you get a full refund. No risk.