In this episode of the REI Deal Finders Podcast, I’m diving deep into the world of creative financing—what it is, why it matters, and how it can unlock your next real estate deal even if you’re low on capital. I share personal stories from my journey of doing no-money-down deals and break down the most effective strategies that investors are using right now to get properties under contract creatively.

 

We explore owner financing, lease options, subject-to deals, seller carrybacks, and even the lesser-known installment sales contracts. Plus, I explain why it’s crucial to stay ethical and transparent, and how new regulations are reshaping the wholesaling space. If you’ve ever wondered how to invest without a big bank loan or want to scale your portfolio creatively, this episode is for you.

 

 

[Timeline Summary]

 

[0:00] - What is creative financing and why does it matter for investors?

[1:12] - Starting with nothing: My first no-money-down deal and how you can do it too

[3:15] - Top creative finance methods: Owner financing, lease options, subject-to, and more

[5:12] - Asset sales through LLCs and why I avoid them

[7:14] - My take on novations—and why they’re riskier than they seem

[10:25] - Understanding lease options and how to protect your deal

[14:07] - Owner financing: How to negotiate payments, terms, and interest rates

[22:18] - Subject-to deals: Disclosure musts and ethical pitfalls to avoid

[25:10] - Installment sales contracts explained—own without the deed

[34:14] - Seller carryback and private money: Unlocking deals with flexible funding

[36:15] - The power of partnerships: Bringing together deals and dollars

[38:14] - Why new laws are opening up local opportunities for creative dealmakers

[39:19] - The impact of helping sellers—and how repeat deals fuel long-term success

 

If you enjoyed this episode, be sure to rate, follow, and share the REI Deal Finders Podcast. And don’t forget to leave a review—it helps more deal finders like you discover how to creatively close more real estate deals!