Just like the asking price, just because the owner suggests one interest rate or term doesn't mean you can't offer something different. 

Bridge Loans or Mezzanine FinancingShort-term financing can cover the down payment:✅ Private lenders: High-interest, but great for acquisitions✅ Mezzanine loans: Secondary financing sitting behind a primary loan✅ Cross-collateralization: Leverage equity in your existing motel or rentals4.

Is your tenant month to month or in a long term lease?  

3️⃣ Too-Good-to-Be-True Terms – 100% financing, super low rates, no credit check… is this ever real?

20% down is available, 25% down will bring significantly better terms in a lot of cases. 

Income would cover rent for a short time.

The idea is to leverage pre-existing networks in a way that builds instant credibility and gets responses fast.If you want to implement this strategy, here’s a link to the exact resource we used:👉 Spreadsheet Link Here (just make a copy for yourself)I also recorded a short video walking through how we set everything up, but since BiggerPockets has rules against sharing that kind of content, feel free to DM me if you have questions on execution.Anyone else using creative co-living marketing strategies that are working right now?

@Ben SyzekFor long term rentals in Colorado Springs you will need to find a deal at 50% ARV (This is very hard) or do a large down payment of 25-35%.

If you proceed with a deed transfer, structuring ownership via an LLC or legal agreement can outline buyout terms, profit-sharing, and future equity splits with your father and sister.

You're going to have other trade offs like higher interest rates, shorter loan terms (like 3 or 5 years) and maybe more lending fees.