Have you seen any creative financing like that before?

A smart seller/listing agent will likely require a large EMD to tie you to performing on your offer, so be prepared for that. 

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

I think it's just a matter of being a bit creative and finding opportunities to add value to a property.

Good afternoon everyone, been a member for over a year now and got started in Real Estate because of Biggerpockets, this is my first post. I have a question maybe someone can guide me to the right source,I have a clie...

To minimize upfront costs, explore down payment assistance programs, creative financing strategies like seller financing, or rent-to-own agreements. 

Are there other creative options I haven’t considered?

I wasn’t prepared to lose so much of my savings as carrying cost basically I paid for the tenants to live there for 3 months + my own living expenses in that time.

What worked for me was focusing on building strategic relationships with top tier people (quality partners) who could complement what I brought to the table—sales, management, and execution.When you are approaching sellers for creative financing, leading with a clear value proposition (and CONFIDENTLY) is key.

While I know this isn't a lot in today's market, I believe there are creative ways to make it work.I’m a former foster child who was declared independent as a teen, so I've been living with close friends that I consider family.