Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

@Tyler Speelman Your strategy to assist your sibling with a down payment while minimizing tax liability is creative but comes with complexities.

Second, success often depends on creativity, persistence, and a willingness to negotiate.

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

These are deals that people can find on and off market, they just need to be creative on what they can do to the property to make the deal a deal  

But the one thing that you can control is your creativity and how far are you willing to go with risk .

I have $25K cash for a down payment and can add $20K/year ($1,600/month) toward payments.No W2s, I've looked into building a small home right away and using a bank statements loan (have about 8800. monthly income) , but with 9%+ interest rates, it’s beyond my budget.Is there any sort of creative financing ideas possible or private lender possibilities?

I'm using a software that runs on A.I. helps me capture organic leads, automation, my socials, A.i. follow up and has it's own crm.

I am looking to see if there are ways to get creative with downpayment on commercial loans.

I have an applicant who's going through a rental screening process A.T.M. His girlfriend, in her early 20s, does not have SSN nor does she have an ITIN and she's unemployed so she cannot get screened. The guy is meeti...