We buy using Creative Finance and save a ton of money, then we sell using Creative finance and save even more.When you sell using the MLS, you have a ton of fees which makes it difficult to be profitable with your investment.When you use Creative Financing, you have the flexibility of deciding how much profit you get.Click on image to enlarge

And sellers need to be more flexible to close the deal.That's why almost half of homeowners are making some type of concession.

I just need to learn to be flexible and creative, which I hope to do from engaging with the BiggerPockets community. 

Tenants want flexibility, contractors want the highest bid, lenders want safe returns.

If you list in the MLS and pay a real estate agent  5%, plus the amount to get the house to MLS ready, plus carrying costs for the months you have two mortgages, plus right now people are paying on average 2% concessions in the area,  plus closing costs, plus paying off the remaining debt on your mortgage, you can get an approximation of the level of benefit or loss. 

Is it the flexibility, appreciation potential, or something deeper you’re seeing in your market?

Quote from @Melissa Justice: @Vasudev Kirs,Bottom line:Use a HELOC for flexibility unless you want a lump sum for multiple deals (cash-out refi).Don’t sink too much cash into one property- leverage smartly.Consider SFRs in strong cash-flow markets first, then expand into multifamily later.Always happy to share more on what markets are working for other investors.

With rates moving the way they have, I’m curious how other investors are structuring their deals to stay protected:For DSCR loans, are you leaning more toward fixed rates for predictability, or do you ride out ARMs for flexibility?

This allows for more flexibility down the line should they choose to refinance or sell one property, but not do so with the other (vs. a blanket loan that ties the properties together and which may have a release premium).Here's a quick example of what 2-4 unit residential loans would look like for buyers as long as the appraisals come back marked suburban (not rural - rural-marked appraisals will be capped at 65% LTV).With Baker University nearby, I think there's a good chance these don't come back marked as rural even though the town is smaller.

Quote from @Jules Aton: I may be in the minority and as a small landlord it is easier but I tend to be flexible with good tenants who have the occasional struggle.