Negotiate closer to $170K with creative financing is your best bet. 

Need to be creative and fuel capital in various ways to put into the long term investments.

Advancing my knowledge of underwriting is a key area for me to grow, as I've always understood this to be something the lender does but I keep hearing that we as investors get creative with underwriting.

My goal is to acquire my first investment property, ideally a single-family rental, by early-2025.I’m particularly interested in hearing from others who’ve navigated the Hudson Valley or Catskills markets, especially with rental properties or creative financing strategies.

Anyone have any creative financing ideas?

I don't have a ton of cash right now so figuring how to do it all creatively is definitely in my priority list.

That said, we’ve been able to help investors secure creative financing solutions that work for this model.If you decide to move forward, just make sure your financing strategy aligns with your long-term goals, and the properties are good fits for Padsplits model.  

please let me know if you have successfully completed a creative finance deal and you have some terms example breakdowns i can take a look at much appreciated im trying to buy an apartment complex asap

Deal with it.Correct me where I'm wrong but Novations can be executed by either a Power of Attorney being given to the investor or by an investor just doing the paperwork, both being done after they secure their interest with an option contract (unless there's some other creative thing I haven't heard about yet).

Anyone can buy real estate but you want someone to partner with who's drive is unparalleled and is creative enough to pivot in the event numbers get tight.  2.