Are there other more creative ways to start cash flowing in year one Be careful because federal mortgage fraud and going to jail is a real thing.

Creative Financing" can mean a lot of different things depending on who you're talking with. 

In the meantime, I’m exploring creative solutions to access the equity in my home while simultaneously rebuilding a credible and sustainable business.

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.

There is a difference between newbies trying to do creative financing deals and actually doing them.

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

We just joined Bigger Pockets & are looking to connect with others who do creative deals in Denver Metro & surrounding areas.

My strategy incorporates asset protection measures like LLCs, specific trusts as well as professional property management to spread risk and ensure quality operations.As well as using tax codes to my benfiitSection 179, IRC Section 162, Cost Segregation and Bonus Depreciation and later 1031 them out for larger projects. 

Look at the articles of incorporation.