I would need to win the lottery to get a 4plex today.

Meaning if you are owed $100,000 - in most places you can bid $100,000 with no money upfront because you are crediting against the loan.Not so in Erie, you need to come up with the $100,000 cash at bid and then the county will send it back to you as the credit.I view seller financing as like hitting the lottery, take the cash not the annuity. 

However, on a weekly basis you get entered into a lottery or a drawing (respectively) to earn a prize greater than that base interest rate.

These guys sell people on their emotions and people think they've won the lottery if they get "in" with them. 

He was quickly and quietly moved out of his previous home in Detroit by Detroit police; they did so because they were quite aware of arecent murder of an 86-year-old Detroiterwho was killed because he was a $20,000 lottery winner.

As one prospect told me I can't pay you anything but if I win the lottery I'll pay twice what you would have got.

Now someone will come on like a lottery winner and say they have gotten both a lower rate and price - yes it happens but the reason is the seller wants out.2.

You scored the lottery, very excited for you!

Your best bet would be friends and family.If you have $0 to put into the deal, again in NY your chances of finding funding will be similar to hitting the lottery.

Learning it on your own and being successful is possible, but so is winning the lottery.