If anyone has any advice on creative financing, I’d appreciate it.

Investors: how do you structure payment terms with contractors to keep cash flow manageable on creatively financed deals?

I am still in the research and preparation stage, and I will make sure to study how tax strategy fits into the bigger picture early on.

I’m licensed in over 25 states and have spent the last few months studying multifamily and creative finance strategies with the goal of building a portfolio that generates long-term cash flow and stability.I’m extremely motivated to start closing deals now — ideally multifamily or self-storage, though I’m also open to triple net opportunities down the line.

I’ve seen some investors get creative lately — curious to hear what others are doing to close deals faster.

I am currently learning about real estate investing and preparing for my first small multifamily property, ideally a duplex or triplex, through an FHA or other low down payment program.At this stage, I am focused on building knowledge, analyzing deals, and understanding financing options so I can be ready when the right opportunity appears.

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. 

Hi everyone, Found a promising multifamily deal and I’m looking into creative financing options since traditional routes move pretty slow right now.Open to hearing what’s worked for others or connecting with anyone who’s done similar deals in Southern California.Thank you, Sharlene