How We Closed Multi-Unit Deals with Zero Bank Financing featured on The Al Nocletti Show

In this special episode, we flip the script! Annie and I were featured on The Al Nocletti Show, and we’re bringing the full conversation straight to you. Al invited us to dive deep into one of our favorite real estate topics—creative financing—and we held nothing back. From structuring seller terms and taking over multi-unit properties to converting tired landlords into partners, this episode is a masterclass in creative deal-making.

Whether you’re new to real estate or a seasoned investor looking to scale without banks, you’ll get a behind-the-scenes look at how we uncover hidden opportunities, leverage our network, and turn unconventional leads into cash-flowing properties. Plus, we share actionable tips, powerful questions to ask sellers, and how to keep negotiations simple yet effective—even with zero money down.

Episode Highlights & Timeline:
[0:00] - Introduction
[1:46] - Our first taste of rental income and the moment it all clicked
[2:27] - Facing financing roadblocks—and how creative strategies changed the game
[3:06] - Acquiring two 8-unit buildings through relationship-based deals
[4:43] - Transforming under-rented properties and unlocking $250K in equity
[8:28] - Two simple, high-impact questions to ask every seller
[14:25] - Planning with the end in mind: why we decided to hold, not flip
[17:13] - How we got a non-paying tenant back on track—and boosted rent
[27:31] - Solving a foundation issue with a no-interest payment plan
[30:57] - Turning problem properties into opportunities with lease options
[34:56] - Harnessing your network and why Facebook Lives still work
[39:12] - Finding overlooked gems in the historic registry
[43:00] - Using grants and hard money loans to finance major renovations
[47:06] - The hard lessons we learned from rebuilding after Hurricane Ian
[52:10] - Keeping deals simple and conversations clear with sellers

5 Key Takeaways:
1. Your network is your goldmine – Most of our deals came from people we already knew or had worked with before. Relationships are everything.
2. Always ask: “What other properties do you own?” – This one question opened doors to major opportunities we would’ve missed otherwise.
3. Creative financing isn’t complicated—just keep it simple – Confused sellers say no. Speak in plain language and build trust.
4. You don’t need $75K to do big deals – If your deal makes sense, the money will follow. Leverage private lenders or partners.
5. Go where others aren’t looking – The historic registry, word-of-mouth, and even sticky notes can lead to deals most investors never see.

If this episode inspired you or gave you some fresh ideas, be sure to follow, rate, and review the podcast—and share it with a friend who needs to hear this. Your support helps us keep sharing real stories and real strategies!