seller financing, private financing, hard money financing, partnering, joint venturing  

Hi Luca,Are you and your fiancé joint owners in either property or do you both "own" one property?

I would be happy to have newbies be involved in this as well (perhaps a joint venture).

I only have about 15-20k I can use to invest, so I need to figure out how to get creative financing.Maybe you could consider joint ventures with homeowners who don't want to sell to wholesalers but don't have the money to do repairs themselves.I don't mean major repairs but just optimizing the appeal for a retail buyer.Once you agree on an as-is price near what a wholesaler would offer you could lock it down with sales contract.Then a joint venture contract could be drawn up that protects both parties.You would not be looking for distress sales because the homeowner needs to be able to keep paying the mortgage and has to have enough funds to move out before the work is completed.You would have to be selective about the owner and be confident they can fully understand the process and that they can pull it off. 

Gotta say, I almost find it amusing that wholesalers don't understand, especially in Florida, that your "business" is like running a bookie joint, you're underground, black market, off the radar "business" is the target for regulators.

I have a great joint venture partner I plan to buy a property with, using a good private money lender I know.

@Justin FernandezHere is one definition of "joint venture": "a commercial enterprise undertaken jointly by two or more parties that otherwise retain their distinct identities"For the sake of simplicity and what is most likely in our kind of real estate, let's agree for our discussion that we're talking only about 2 distinct parties (as opposed to 3 or more) joining in the JV.

I look forward to gaining all the info I can from the site and doing some Joint Ventures.

Myself and my Wife Have all joint accounts and have equal access to all funds.

I would like to find a Partner or do a Joint Venture with someone.