Creative Finance Playbook

EP. 160: How to Buy Real Estate with $0 Down | Subject-To & Seller Financing Explained (2025)


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In this episode of the Creative Finance Playbook Podcast, Jenn & Joe Della Fave sit down with Caleb (Creative TC) to unpack the RIGHT way to do creative finance deals like subject-to, seller financing, wraps, and rent-to-own—ethically, legally, and profitably.If you’ve ever wondered:


Can I really take over someone’s mortgage (subject-to) without getting burned?


How do I avoid the due-on-sale clause?What’s the difference between seller financing, wraps, and rent-to-own?


What paperwork do I actually need to stay compliant?…then this is your playbook.



What You’ll Learn in This Episode:


💥How to structure subject-to & seller financing the right way


💥The truth about the due-on-sale clause (and how to handle it if it’s triggered)


💥Lease options & rent-to-own explained: 3 paydays from 1 deal


💥How to protect seller credit while building long-term wealth


💥Case studies & real stories of turning renters into homeowners


💥Why creative finance beats BRRRR in 2025’s high-interest market


Whether you’re a new investor or seasoned pro, this episode shows you how to build passive income real estate portfolios with no banks, no big credit, and no massive capital.


Subscribe for weekly strategies to find, fund & close creative dealsJoin our free community + download FREE seller scripts at CreativeFinancePlaybook.com


Comment “PLAYBOOK” if you’re ready to close your first deal in 2025


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DISCLAIMER

We’re Jenn and Joe Delle Fave, here to share our real estate journey. While we’re not CPAs, lawyers, or financial advisors, we are experienced full-time investors who love sharing what we've learned. Always consult professionals before making major financial decisions. Our goal is to inspire, guide, and help you take control of your financial future!

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