What are creative ways to get a downpayment

[Andrew Martinez]

Other that Heloc and a credit card what are some creative ways or other ways to get a down payment for an investment property. We got an approval for a STR but need 25% down in $180,000. This is a great opportunity and we would like to see what some ideas are. Thanks

[Don Konipol]

Quote from @Andrew Martinez:

Other that Heloc and a credit card what are some creative ways or other ways to get a down payment for an investment property. We got an approval for a STR but need 25% down in $180,000. This is a great opportunity and we would like to see what some ideas are. Thanks

90% of “creative down payment” died 20 years ago when the definition of mortgage fraud was changed, the cowboy title companies that asked no questions lost their underwriter affiliations, and the don’t ask don’t tell mortgage brokers were no longer able to table fund.
I would not consider what’s left as CREATIVE methods of obtaining a down payment, I would consider them as ALTERNATIVE methods.
if you have a personal credit line some non institutional lenders won’t require you to reveal this as a down payment source.
If you own other real estate, you might be able to place a second mortgage on this property to get the cash for a down payment on the property you’re trying to purchase
if you own a late model car free and clear you can get a title loan
Notice that all these methods require you have untapped equity or untapped credit capacity.  
If you have no other assets with borrowable equity or exchange value, and no more credit capacity, then you’d have to “sell” equity in the property being acquired. Depending on how much cash you need, how much cash you have of your own to invest, the value of the property and of course the purchase price, you may have to give up so much equity that the deal is no longer worth it to you.  In which case you might be better off “flipping” the contract to an end buyer, if the deal is as good as you believe.