Real Estate Creative Financing Explained | Here's How I Use Creative Financing To Save $$$

These are real estate creative financing options I've used personally on multiple real estate investments. Here's how I used them, when they work best, and how to make creative financing in real estate work for YOU.

0:00 – How I Bought This House Without a Bank or Credit Check
No mortgage, no credit pull, no 20% down—this is how I did it.

0:28 – What Is Creative Financing?
Breaking down the two key types: Owner Financing and Subject-To.

0:48 – Real Example: I Bought This Home Using Subject-To
The seller had a mortgage—I took over the payments, not the loan.

1:30 – How Subject-To Helps the Seller
This boosts the seller’s credit and doesn’t hurt their ability to buy again.

2:32 – Why It Works for Me as an Investor
No impact on my DTI, but I still control the home because the deed is in my name.

3:20 – Deed vs. Mortgage Explained (Grocery Store Analogy)
Why owning the deed is everything—even if the loan’s not in your name.

4:35 – How Subject-To Saves Me Thousands in Entry Costs
No $60K down payments. Here’s why subject-to is way cheaper than banks.

5:57 – Locking in Low Interest Rates From the Seller’s Loan
I’m getting 2–4% interest rates while others are stuck with 7%+.

6:40 – Full Cost Breakdown of This Subject-To Deal
Exact numbers: how much I paid the assignor, agent, seller, and in closing.

8:10 – Where to Find Subject-To / Creative Financing Deals
MLS, Zillow, door-knocking, direct to seller, wholesalers—endless opportunities.

9:03 – Why You’re Not Limited to “Fixer-Uppers” with This Strategy
Creative financing works on beautiful, move-in-ready homes too.

9:41 – How to Talk to Agents & Sellers About Creative Financing
Be transparent and explain the win-win—rapport and trust matter.

10:42 – Touring a New Deal I Might Buy Using Creative Financing
Walking through a property I’m evaluating for my next subject-to deal.

13:19 – What to Do Next: Get the Contract & Start Investing
You’re ready to make your first subject-to deal—download the contract below.

14:10 – Final Thoughts: Use Creative Financing for Any Strategy
Buy and hold, flip, Airbnb, midterm—this method works with every approach.

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