In your experience, how does creative financing impact the loan approval process compared to traditional lending methods?

In our market that's solid base hit given the higher rates and lack of supply. 98% of the houses I see negative cash-flow without creative opportunities (MTR, STR, rent-by-room) or BRRRR. 

@Luis Herna I've seen you on the forums asking all sorts of questions around creative strategies.

@James McGovern - my wife was in attendance and she and I own 20+ properties, a huge office building, have done multiple 1031 exchanges, Segregation studies, flips, private money, creative financing etc.  

Hey Chris,let's talk creative financing options for this 4plus year plan for your property.

What creative financing strategies have you already explored, and how successful were they in helping you close deals?

Once reviewed, try to subtract 1 task that hasn't gotten too much traction and incorporate another new task that will help you get there.

There are ways around that if your insurance agent is creative enough.

I think people are getting more creative thinking about separate living quarters (basements, split levels, etc.). 

Disclosure: I'm an investor, not a realtor, I work in the creative finance area but not in the state you are in so I can't help though I might know investors who can.