In Gary Keller’s book, Shift, he lists 25 creative options that are most common, but barely scratch the surface:- Seller Contributions- Seller-Funded Permanent Buydown- Seller-Funded Temporary Buydown- Owner Financing- Contract For Deed- Seller Second Lease Option And Lease Purchase- Seller-Assisted Down Payment- Wraparound And Assumable Mortgage- Gift Funding- Selling And Refinancing Existing Assets- Non-Occupied Co-Borrowers- Using 401(K)- Temporary IRA Transfer- Pledged Asset Mortgage- Equity Transfer And Bridge Loan- Employer-Assisted Mortgage- Lender-Funded Buydown- Fannie Mae’s “My Community Mortgage”- Running Scenarios With Automated Underwriting Systems- Adjusting Amortization Period To Lower Payment- Adjusting Interest Rates To Cover Closing Costs- State, Province, And Local Grant Or Bond Programs- Mortgage Credit Certificate- Private LendingHe said these options barely scratch the surface.

I"m a Top Tier Certified TC in the creative space.

Check what others are doing in your market and adjust, if necessary.

You can adjust the formula according to your area.

We have great weather so it's an easier adjustment coming from LA.

Once you've found them in the geographical area, then you must find as close to age, beds, baths and sqft as you can so as few adjustments need to be made.

If he plans to live another 50 years, he needs an inflation adjusted way to protect wealth. 

It has to be hauled to a certified disposal site or taken and burned at a special facility .

And it can mean some huge adjustments in the case of those who interpreted incorrectly.You claim what is true and accurate, not what you think will avoid audit.

When a one-off event like COVID hits, do you have the time, knowledge, and experience to adjust and handle the situation?