1. With seller financing you’re negotiating directly with the owner about terms, down payment, interest rate, and amortization. A lot of times you can get creative — 5%, 0%, or even rolling the down payment into the note if the seller is motivated. To actually find these deals, you have to look where sellers might be open to creative terms: expired listings/FSBOs, out-of-state owners, inherited properties, etc.
2. If seller finance isn't available, other low-down options you can explore are owner-occupied financing like FHA loans or hard money or private lenders who will fund a high‑LTV purchase if the numbers are strong; these aren't "no money down" but can get you into a deal with far less cash than a traditional bank.
If you have any specific questions, don’t hesitate to DM me. Happy to help out however I can!
FHA mortgage 3.5% down payment. VA and USDA mortgages as little as zero down payment. No collateral line of credit for down payments and rehabs. Second mortgages, loans from family and friends.