I have always wanted to build unique structures using my creativity while also gaining cash flow using my hotel management background.

We have found a creative way to access some equity to make our equity work harder for us so it's almost like the beginning of a BRRR strategy.  

For this reason, we are pursuing creative financing.

Thank you for your answers, and any other creative financing suggestions!

Syndication was the rage the last few years, and now creative financing has become more prevalentGino

Come up with a creative excuse to see inside so you can market it to your buyers. 

The short version is do lots of research and buy Class A or B (you won't cash flow at 7% rates on LTR, unless you do MTR, STR or some creative strategy).

You could do that for 3-5% down.. live in it for a year to meet typical requirements for use… then move into a new house, and ‘voila’ - you bought your second (multi-family) rental for 3-5% down instead of 20-25%.It is entirely possible though that you will face debt to income issues on your first rental if your lender wants to see a year or twos worth of rental history before counting your rental income to offset your debt payments…so beware of that.Otherwise you may have to look at creative financing… maybe bringing in a money person where it was a short term investment for them, like “I’ll give you 8% on your money (versus the 4-5,% you could earn from the bank CD) if you will partner with me on this purchase.”

Consider partnering with your parents to co-sign a mortgage or exploring creative financing options like FHA loans or private money lenders.

Listening helps you understand what the other party wants, allowing you to craft creative solutions and close deals.Leveraging due diligence for negotiation and decision-making is a powerful strategy in real estate investment.