@Walt Viera if you can't come up with 3% down to buy a home via FHA loan to house hack, then you're stuck with:1) Wholesaling2) Creative financing3) Finding a family member or friend to lend you funds or partner with you

These geniuses thought if they simply put it at an angle the wood support it's own weight.

you MIGHT be able to use a commercial loan, possibly even an SBA loan.. but a private lender might work better. is the seller open to creative financing?

So many options already, but the first thing that comes to mind is creative financing.

If you are actively buying using creative finance, at some time you will be sued.

Today, there are properties with indoor basketball courts, lazy rivers, movie theaters, and exterior spiral slides going from the upper deck to the lower deck...truly creative ways of grabbing the first round of renters.Even though my rents were steady because I had a hefty repeat renter business by then, I realized that this trend of having a large luxury home was not enough if I wanted to capture more renters.  

What are some creative ways of structuring an equity split between the three of us.

I’ve been able to get creative in ways like this to buy houses without using my own savings.

I'd also get familiar with creative financing structures like Sub2, novations, or seller finance. 

There are some creative finance options, like adding renovations to the property, which can help bypass seasoning requirements or programs that will allow 90 days.