As an agent, you can also represent yourself and put your commission toward the down payment, further lowering your out of pocket costs.

Even if someone in these forums were to teach you a creative financing strategy that required zero out of pocket cash and the seller was willing to accept those deal terms, you still aren’t qualified to own real estate with your current balance sheet.

She has never read a book on real estate, listen to a podcast, made a post on Bigger Pockets, or initiated going to a training.

There simply are too many people attempted to get their hands in our pockets. 

Quote from @Argel Algura: Hey Bigger Pockets Community,A year ago I wrote about rebuilding and starting over in life and considering real estate investing as a path (see post here: "Bad credit, minimal cash and starting over in life . . .

I attended a REI conference back in October 2024 prior to knowing anything about Bigger Pockets or investing in general, and it gave me the motivation to seek out information and shoot for my first couple of deals in 2025.

I have the money to buy now but I would rather do creative financing and use as little money as possible out of my own pocket. looking to start with BRRR method but maybe should start with a wholesale first to fund that?

There are a number of QIs right here on Bigger Pockets.

This gives less risk and quicker returns, and more sure net in your pocket. 

They often won’t tell you about problems until it affects their wallet, and they’ll flat-out lie if it suits their needs.