How a Single Millennial Bought a $400K Home with Just $12K (INTERVIEW) - 362

Can you really buy a $400,000 home on your own with just $12,000? In this episode, David interviews Carrie, a single elder millennial who didn’t think homeownership was possible… until it was. Hear her story of belief, flexibility, and what it really takes to make your homebuying goals happen — even when the system feels stacked against you.

 

This episode is an inspiring, eye-opening interview with Carrie, a self-described elder millennial who overcame the belief that homeownership was out of reach. As a single woman who once thought buying a home was a fantasy, Carrie shares how she closed on a $400K property with just $12,000 out of pocket — and how the right planning and people made it happen.

 

She breaks down how reframing “compromise” as flexibility helped her shift from city-focused dreams to a home that truly supports her long-term needs — including space for her mom. She also opens up about the real-life responsibilities of owning a property (like tree maintenance and surprise sewer issues), and the importance of learning and adjusting along the way.

 

If you’ve told yourself “it’s too late” or “I can’t do this alone,” Carrie’s story will prove you wrong — and show you what’s possible when you stick to your values and find the right support.

 

“It’s not compromise — it’s flexibility. What can I change later? What can I create?”

 

Highlights:

 

 

• How did Carrie manage to buy a $400,000 home with just $12,000 out of pocket?
• What shifted her mindset from “I’ll never own” to “I can do this”?
• Why did she leave Denver and what made her say yes to Colorado Springs?
• What does it really mean to buy “the property” — not just the house?
• What surprised her about homeownership in the first few weeks?
• How did working with a Unicorn team make the difference?

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible