What’s the most creative strategy you’ve seen to buy a house?

[Mike Schorah]

In Gary Keller’s book, Shift, he lists 25 creative options that are most common, but barely scratch the surface:

- Seller Contributions

- Seller-Funded Permanent Buydown

- Seller-Funded Temporary Buydown

- Owner Financing

- Contract For Deed

- Seller Second Lease Option And Lease Purchase

- Seller-Assisted Down Payment

- Wraparound And Assumable Mortgage

- Gift Funding

- Selling And Refinancing Existing Assets

- Non-Occupied Co-Borrowers

- Using 401(K)

- Temporary IRA Transfer

- Pledged Asset Mortgage

- Equity Transfer And Bridge Loan

- Employer-Assisted Mortgage

- Lender-Funded Buydown

- Fannie Mae’s “My Community Mortgage”

- Running Scenarios With Automated Underwriting Systems

- Adjusting Amortization Period To Lower Payment

- Adjusting Interest Rates To Cover Closing Costs

- State, Province, And Local Grant Or Bond Programs

- Mortgage Credit Certificate

- Private Lending

He said these options barely scratch the surface. What other options are there?