OPTION 1: OPTION 2: When Seller Uses RE Agent & You're Using Property For a Rental When Buying Subject To & Selling to Tenant Buyer Pro: Doesn't require specialized knowledge Pro: Little competition "Adequate" cash flow - Nothing Exciting Can be little $ down You get appreciation if property goes up Can do Unlimited number Can Get Started Much Sooner Get down payment (Cash $$) back immediately Great Cash Flow No Bank Approval Needed No Maintenance or Repairs Con: Have To Have $45,000 Cash for Down Payment Con: Have To Have $15,000 Cash For Reserves (just in Case) Have To Have $15,000 Cash for Closing & Carrying Costs Due on Sale Clause Have to Get Bank Approval Must learn the technique Can only do 4 -10 properties depending on bank Competing with everyone else Requires 20% Down & other requirements If AC breaks - you fix it If roof needs replacing - you pay for it If toilet clogs - it's on you If house gets trashed - you un-trash it You take loss if property goes down in Value Tenant Can Trash The House When Seller Uses RE Agent & Using Property For a Rental When Buying Subject To & Selling to Tenant Buyer Asking Price MLS $225,000 $225,000 Balanced Owed $223,969 $223,969 RE Agent 6% $13,500 $0 No Agent Involved Seller Brings to Closing ($12,469) $0 So No fees Asking Above ARV $0 $0 Seller Walking Money $0 $0 Sometimes Walking Money If I Use ConventionalFinancing If I UseSubject To Asking Price MLS $225,000 $225,000 Amount Down - 20% $45,000 $100 (I Give $100 Down) New Loan Amount $180,000 $223,969 I Take Over Loan Title Report $600 $600 Closing Costs $1,250 $1,250 Monthly Payment $1,151 $1,225 I Take Over Existing Payment 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.

Subject To is definitely NOT a “No Money Down” technique”, Here’s why . . .The obvious question is: "How Do I Keep Finding These Smokin' Deals"It costs money to locate a willing seller.

Within the first five months of this year alone, I’ve already made $235,000 by applying the techniques and mindset shifts I learned through SBTW.

I am not a real estate agent, so I view it from safety and profitability from the investor's point of view.You can see how this is done by checking basic techniques I've written about at https://www.biggerpockets.com/posts/user/kenm286/started.Those aren't the only ways and others have other avenues, I just like investing safely.I can be reached by going to https://www.biggerpockets.com/users/kenm286 and clicking on Message  

Are you going at this to build a "bank" you can use for other techniques or are you well funded and simply want to wholesale? 

My wife and I first encountered VestRight and loved the sales pitch but also felt hesitant with onboarding/sales techniques.

What is the easy, creative financing technique you use to buy and cash flow immediately? 

.: Subject To is definitely NOT a “No Money Down” technique”, Here’s why . . .The obvious question is: "How Do I Keep Finding These Smokin' Deals"It costs money to locate a willing seller.

There are no beginner creative financing techniques you can do safely without being trained and having plenty of money to back you up.

The IRS in its Passive Activity Loss Audit Technique Guide published a sample Activity Log.