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Updated about 4 years ago on . Most recent reply
![Michelle Paulsen's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1872707/1621516302-avatar-michellep159.jpg?twic=v1/output=image/crop=828x828@0x0/cover=128x128&v=2)
Down Payment Discussion
How can I get a place with 0% down? I am looking to get my first property and I want to put as little down as possible. I know I can do as low as 3.5% but how do you negotiate to 0%? I would love to hear stories of everyone who was able to do this!
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![Dalyn Hazell's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1649212/1621514469-avatar-dalynhazell.jpg?twic=v1/output=image/crop=960x960@0x0/cover=128x128&v=2)
@Michelle Paulsen I am not the expert on creative financing, but I've heard that the VA and the USDA loan programs do not require any down payment at all.
Also, strategies like subject-to and owner financing can get you into a property with 0% down, if structured the right way.
Have you read Brandon Turner‘s book “The Book on Investing in Real Estate with No (and low) Money Down”? I recommend going through that one.