They’re relocating out of town and would like to sell by the beginning of the year.Here are the key details:Current rent: $1,850/month (tenant is month-to-month, wants to stay)Market rent estimate: $2,200–$2,350/monthTenant history: Has been there for about a year; was paying $2,150 at their prior rental, so an increase to $2,000+ should be manageable.Seller’s situation: They owe about $156,000 on the property and want to net around $100,000 after all taxes and fees.Existing mortgage rate: 3.5%Wholesaler offer: $287,000My position: I just bought a fixer-upper, so most of my cash is tied up, but I can access around $100,000 from a HELOC at 6.5% (15-year draw / 15-year repayment).Question:Is there a way to creatively structure a deal that allows me to leverage the seller’s existing low-interest mortgage — even though it’s not officially assumable?

And which investing strategies pair best with creative financing  buy and hold, BRRRR, flips, or wholesaling?

For a single-family residential property, the options outside traditional rentals are limited by zoning, but there are a few creative paths people have successfully used, like home offices for remote workers, small professional practices, or creative studios if local ordinances allow. 

We would love creative deals where the down payment is $25k or less, but we have considerable wiggle room.

Right now, sellers are motivated, competition is low, and creative financing conversations flow easier.Use this time to:Evaluate your deals and numbers.

Ken, that’s a solid example, putting up $100 and structuring it into a $23K profit plus cash flow shows how creative deal-making can beat the clock. 

Hi @Kyle Patel, there are a lot of creative ways to get started even if you don’t have a ton of cash saved up.

.: When you are new, looking for lenders & considering Fix & Flip, BRRRR, or rental, as a buyer, I’d ask the owner/seller to be one of my private lenders with creative financing.

LI spoke with the agent briefly and mentioned that there might be a creative way to make it a win-win situation for both of us.  

Those who plan ahead — lining up bridge, DSCR, or creative options — can step in when others are hesitating.I often remind my clients that “adaptation beats timing.”