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Do most of the creative financing methods you hear about actually work? Yes, really. They probably have all worked somewhere for someone at least one time. The point is not if they can all work for you. The purpose would be to understand what is achievable, so you can find your personal creative ways to invest in property. Here are five techniques to enable you to get thinking. 1. Hard money lenders. It is possible to ask around o-r find these online. They concentrate on short-term loans at high-interest. You an average of utilize this type of capital for a 'fix and flip.' You can frequently obtain the money quickly, and who cares if you paid $10,000 curiosity about six months, if you make $30,000 on a task. 2. Low-doc and no-doc loans. No (or low) documentation of your income or credit needed. Again, you'll find banks that do these online now. The catch is you will only have the ability to use up to 80-acre of the price or property value. You could be able to use the other 10% from a buddy or the owner, if you've 10% in cash.  [http://springraise.bear-code.com/node/1278239 link]  3. Seller-carried second mortgages. Sometimes a will loan you 90-days, and permit the vendor to take back a 2nd mortgage from you for 5%, making you wanting only 5% for a downpayment. 4. Land contract. Called 'contract for sale' or other names also, this just means owner allows you to make payments, and produces the title upon payment in full. I offered a this way for $1,000 down, because I wanted the 9% interest, and the higher price I got this way. 5. Charge cards. If a owner will need $10,000 down on a fixer-upper which you expect to make $20,000 on, why not use bank cards? This is a true 0-down package for you, and you will have paid $900 in interest on an 18% credit card, if you turn the task in half a year. Don't let $900 enter the way of earning $20,000. 6. Retirement accounts. The laws get very complex in this region, but you can check with a tax lawyer to see how you might borrow from your personal retirement account to finance property investments.  [http://www.flixya.com/blog/5324367/The-Real-Estate-Boom-How-Long-Does-It-Last- all in one done for you real estate review]  7. Friends and family. Keep organization to it, if you use this source, but loaning you money at 7% is not a present if their money is getting 2% in the bank.  [https://groups.diigo.com/group/concroexiptionauholt/content/the-real-estate-boom-how-long-does-it-last-9729691 flipping real estate 101]  8. Note customers. Cash is needed by the seller. H-e raises the price, and sells to you for $100,000 without any money down, taking back two mortgages from you for $10,000 and $90,000. He organized (or you did) for a note customer to cover $80,000 cash to him for the first mortgage at final, finding him the cash he wanted. You spend two payments now, one to each note case. 9. Get a loan on other property. Interestingly, if you take out a equity loan for a holiday, and then neglect to use it for that, you can use it for the downpayment on an investment property, without violating the principles of the bank that offers you the primary mortgage. In other words, you got in with no cash of your own.  [http://www.purevolume.com/relishdirt1/posts/4294397/Expense+Properties+for+Beginners%3A+Guidance+for+the+Brave+but+Nave+ PureVolume™ | We're Listening To You]  10. Partners. For larger projects, you can prepare for five investors to each put money into a relationship, together with your share being the management responsibility as opposed to money.