Creative Real Estate Financing Forum

Financing Strategies to Help Tight Deals Cash Flow
Creative Real Estate Financing
Financing Strategies to Help Tight Deals Cash Flow

What types of financing are working best for you right now when a deal is a little tight on cash flow? Are you finding better results with DSCR loans, adjustable-rate loans, seller financing, interest-only options, or something else? With rates and expenses where they are, I'm interested in heari...

Rate Locked Investors
Creative Real Estate Financing
Long Beach, New York
Rate Locked Investors

I see alot of people who purchased around early 2020's who want to access cash from their investments but cant refinance without messing up their cashflow. Is anyone here running into similar issue?

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Subject-To Deals Live or Die on This One Underwriting Detail
Creative Real Estate Financing
Subject-To Deals Live or Die on This One Underwriting Detail

Subject-to gets pitched as simple — take over payments on the existing loan — but the deals that go sideways almost always trace back to skipping the same step: actually verifying the loan. That means confirming the real payoff balance, the payment history (is it even current?), the interest rate...

HEI Financing Question
Creative Real Estate Financing
HEI Financing Question

Hello Everyone, I recently heard about a loan product called an HEI - Home Equity Investment. I spoke with a senior client who has significant equity in her home, however is in need of some cash to sustain her financially. I have done some preliminary research on companies such as Point and Split...

HELOC For portfolio
Creative Real Estate Financing
Cleveland, Ohio
HELOC For portfolio

Hi, I am trying to finance my first multifamily. I have 15 cash flowing properties with $900k of equity, since they have low current rates I'd like a heloc or other ideas to find $150k for the multi family down payment. any advice or ideas please? Thanks, Jemma

Transactional funding misconception
Creative Real Estate Financing
Transactional funding misconception

I have never pulled comps on a deal I funded. I do not ask for your ARV, your rehab budget, or your rent estimate. That surprises people, because every other lender they have talked to starts there. Do you know what a transactional funder is actually underwriting? If you assumed it was the proper...

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THDA/FHA loan question.
Creative Real Estate Financing
THDA/FHA loan question.

Hi everyone, I am wondering whats the difference in the THDA loan? Pros and Cons, i am hearing that a first time buyer in Tennessee can receive 15k towards a property is this true and are there any repercussions? Thanks in advance.

Selling with Seller Financing? What are note buyers looking for?
Creative Real Estate Financing
Austin, Texas
Selling with Seller Financing? What are note buyers looking for?

What has been your experience selling with seller financing? Are you basically a glorified landlord or has your experience been better? What were the terms of your your loan? Did you sell the loan to a note buyer? What loan terms are note buyers looking for? I know a lot of questions but your exp...

Subject-to exit for a tenant-occupied rental with negative cash flow
Creative Real Estate Financing
Leander, Texas
Subject-to exit for a tenant-occupied rental with negative cash flow

I own a property in Leander, TX 78641, currently worth approximately $365K. The current lease runs through August 31, 2027, with base rent of $2,200/month plus a $25 animal fee. The loan is current. I’m flexible on what I receive from the property depending on the overall structure. My main prior...

When Does "Making the Financing Work" Become "Making the Deal Look Good"?
Creative Real Estate Financing
Miami, Florida
When Does "Making the Financing Work" Become "Making the Deal Look Good"?

One of the advantages of knowing financing is that I can often take a deal that doesn’t work and find another way to structure it. That’s also one of the dangers. The original financing doesn’t work. Fine. Change the leverage. Bring in more equity. Extend the term. Find different money. Change th...

Crowdsourcing an historic restoration?
Creative Real Estate Financing
Dayton, Ohio
Crowdsourcing an historic restoration?

Investor newbie here, but not new to crowdsourcing or running my own business. I'm looking for creative ways to leverage my skills in social media, crowdfunding, and narrative storytelling to build up an audience for my flip before I ever start renovation. I don't even have a property right now, ...

How much is DSCR actually swinging your refi terms right now?
Creative Real Estate Financing
How much is DSCR actually swinging your refi terms right now?

Lenders seem to be tightening DSCR requirements lately. Anyone seeing real differences in refinance terms between a 1.0x and a 1.25x+ deal in this rate environment?

When the Equity Is There but the Financing Isn't, What Are the Options?
Creative Real Estate Financing
Orange, California
When the Equity Is There but the Financing Isn't, What Are the Options?

I keep seeing a particular problem with otherwise viable real estate deals, and I'm interested in how other investors are solving it. The property has substantial equity, sometimes hundreds of thousands of dollars, but the owner can't access it. The bank says no. DSCR doesn't work. A hard-money l...

Owner Financing + Hard Money for Rehab - Is this Combo Possible?
Creative Real Estate Financing
Cincinnati, Ohio
Owner Financing + Hard Money for Rehab - Is this Combo Possible?

Hi, my name is Rose. I’m working on a BRRRR deal and want to sanity-check the financing structure before I move forward. I found a property with a purchase price of $50,000, with the seller offering owner financing: $6,000 down, 12% interest, 2 points, 10-year amortization. The property needs reh...

How have people structured partnerships?
Creative Real Estate Financing
How have people structured partnerships?

Hello everyone, I have been doing some research into creative financing and specifically partnerships. I think they are one of a few options that really make sense for me and my goals. If you have had experience either on the capital side or management side of one of these deals and are willing t...

What Would You Do? $80K Payoff on a $350K Family Property That Needs Repairs
Creative Real Estate Financing
Madeira Beach, Florida
What Would You Do? $80K Payoff on a $350K Family Property That Needs Repairs

I’m looking for advice from experienced investors, lenders, and anyone who has handled a similar situation in Florida. What would you do if you were in my position? My father is currently on the deed to my primary residence in Pinellas County. I’ve lived here for more than 10 years and make the p...

How Early Do You Arrange Financing?
Creative Real Estate Financing
How Early Do You Arrange Financing?

Do you typically arrange financing: A) Before searching for properties? B) Once you find a potential deal? C) After getting under contract? D) Somewhere in between? I'm curious how investors balance having financing ready with not wanting to over-prepare for a deal that may never happen.

Seller Financing a Property with an Existing Conventional Mortgage — Trust Strategy?
Creative Real Estate Financing
Denver, Colorado
Seller Financing a Property with an Existing Conventional Mortgage — Trust Strategy?

Hey BP, Looking for input from anyone who's actually structured this, not just theorized about it. The situation: I have a Denver condo/loft with an existing conventional mortgage (UWM, originated 2020, 2.875% rate, ~$420k original balance). I'm considering seller financing this property to a buy...

Thoughts on Creative Financing?
Creative Real Estate Financing
Thoughts on Creative Financing?

What have peoples experiences been with creative financing? What has worked well? What has not worked well? What advice do you have to someone considering creative financing?

Why a profitable business can still be denied business funding
Creative Real Estate Financing
Why a profitable business can still be denied business funding

One thing I’ve noticed working in business funding is that revenue alone doesn’t always make a business bankable. A business owner can have solid income and still run into issues because of: • Personal credit profile • High personal credit utilization • How the LLC is structured • Business age • ...

Creative Finance Deal in Cleveland, OH ($49.9k Purchase) Structuring Advice Needed!
Creative Real Estate Financing
Creative Finance Deal in Cleveland, OH ($49.9k Purchase) Structuring Advice Needed!

Hey BiggerPockets Community! I've been actively wholesaling and analyzing off-market deals in the Greater Cleveland area, and I'm currently working on executing a Creative Finance (Seller Financing) deal on a single-family property in Cleveland, OH (44110). Quick intro about myself: I operate as ...

Real Estate & Investor
Creative Real Estate Financing
Chattanooga, Tennessee
Real Estate & Investor

Opportunity Zone Investment and Funding Opportunities

Funding holding me back
Creative Real Estate Financing
Funding holding me back

Hey All, I am dead set on making real estate investing my future. My goal is to have my first property within 90 days. However, I am really having trouble understanding the acquisition and complexities around financing my project(s). Is it as hard as I am making it out to be in my head? I have he...

Credit card stacking advice
Creative Real Estate Financing
Houston, Texas
Credit card stacking advice

Hi y’all, I’m a Houston resident currently flipping a property out in Oklahoma. I’m looking to use credit card stacking to cover my rehab costs and avoid paying interest. There are plenty of business credit cards with a 0% introductory APR for the first year, but that rate typically only applies ...

Any Melbourne FL/Brevard investors interested in fixer-uppers with owner financing?
Creative Real Estate Financing
Any Melbourne FL/Brevard investors interested in fixer-uppers with owner financing?

Curious how many local investors here are actively looking for creative-finance opportunities, especially buy-and-hold investors. Would love to connect with more people investing in the Melbourne/Brevard area.