I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

For me as well as the seller.First, you have to define Sub to financing.Do you mean the reckless kind where you overpay for a property, take over the financing and borrow from others to cover closing costs and holding costs when you have no money, no credit, no income, no reserves and can't tell a warranty deed from a deed of trust and you close on the kitchen counteror do you meanbuying below market value, already having a nice income, having reserves, using escrow and title, already understanding the due on sale clause, have done a lot of creative purchases and know when to use and when not to use creative finance and how to recover if something goes amiss?

Mostly from a home equity line of credit.

Of course back then we were getting “screwed” with 6-7% rates.

Since i had capital and had access to my commercial banks for the best rates possible on vertical and horizontal loans..

Depends on the brokerage you have, but the one we use currently has a rate at 5.83% at 50% LTV.

There are also 'mezz' lenders (typically for larger transactions) who will cover up to 90% CLTV and require you to bring the remaining equity to the deal, and additionally there is Gap Funding in the form of unsecured personal debt.The latter can potentially be the most expensive option, but allows for true 100% financing as there are no restrictions for how to use these funds, as they are unsecured, and generally obtained through personal credit, income etc (since there is no collateral for obtaining these funds).

With the right resources and help, you can still make it happen.There are options that can help make buying a home possible today — even if your savings are limited or your credit isn’t perfect.

5C's of credit are a good framework to understand the fundamentals.

Fort Collins did it since the 1960s and only recently created a law against it because of rent rates.