Before you can be creative in financing you must first know conventional financing, there are rules and laws, you can't just dump out a box of ideas or agreements and expect something to work, you build the financing transactions just like you prepare a meal, one ingredient at a time ensuring each is added at the right time, just enough to provide the intended results while keeping within a legal and ethical framework.You're never going to paint a master piece with a paint by numbers set. :)   

Then they can have a nice meal out with the family and enjoy the gift while they're relaxed and in a good mood.

If you were a grinder willing to eat ramen for every meal and live in a vehicle, it would be an easy choice of talking to the spouse and making a plan that for ___ months your going to live a regimented life, strategically use every minute of time you have, a grind every available hour after your 9-5 at "breaking in" to what you want to be doing.

Once this happens we are projecting the market will stabilize and we will see healthier 3% to 5% annual appreciation for the next few years.

The dividends tend to be a little healthier.  

I can go buy all the fancy knives and cooking equipment, and I still won't be able to prepare a decent meal.

People with 20% or more invested in each property are healthier and can press through the difficult times of a changing market, enabling them to recover and build wealth on the other side.Patience, Padawan.

I live on very little - shop at the Goodwill, eat most meals at home... 

To teach someone who never did a budget before or to learn how to cook inexpensive meals at home or other things that folks just have never been taught.

People need a place to eat their meals.