While most DSCR lenders require 20-25% down, some allow lower down payments under certain conditions:1. 15% Down DSCR Loan✅ Some lenders allow 85% LTV (15% down) with strong DSCR (1.2+), good credit (700+), and reserves✅ Higher interest rate compared to 20% down✅ May require prepayment penalty2. 10% Down DSCR Loan (Rare & More Expensive)✅ Available for experienced investors with strong financials✅ Often requires higher reserves (6-12 months of PITI)✅ Could involve seller concessions or second lien financing3. 0-10% Down with Creative Financing🔹 Seller Carryback: Find a seller willing to carry a second mortgage for part of the down payment🔹 Cross-Collateralization: Use equity in another property instead of cash down🔹 Gap Funding / Private Money: Partner with a PML for the down payment

How does refinancing and cash out Refis work with creative finance like subto and seller finance? 

Higher-cost markets can still work with appreciation, rent growth, and creative financing.Best next steps?

Hello Sam,I am new to creative finance as well  I have been listening to the Creative Finance Playbook Podcast with Joe and Jen.  

Thats from the horses mouth Peter himself said this in a training video I watched today that was more of a commercial to sign up for the 1 on 1 couching.

Has anyone been in a similar situation or used some creative ways to unlock the trapped equity?

Instead, I’d look for:Lower-priced properties in better cash flow marketsA better rent-to-price ratio (aim for 1% or close to it)Creative financing options—seller financing or an assumable loan with a lower rate could make the numbers workIf your main goal is long-term appreciation, make sure you’re okay covering that monthly loss for years.

Seller Financing & Creative Structuring✅ Seller Carryback: Many hospitality properties struggle to sell, making sellers more open to carrying part of the purchase price.

Creative financing: Explore seller financing or subject-to deals for your next property, which often require less upfront cash and bypass traditional lending limits.You’re on the right track thinking long-term—house hacking and leveraging your duplex are great moves.

Looking for a plumber with creative solutions.