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?

The seller requires a cash purchase & I’m exploring creative ways to structure the deal.

Take the win, be conservative, and don't conflate a bull market for your genius.

Very creative but probably not doable1.

I learned a creative way to finance properties using my 403B.

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

At this stage, you can also discuss creative financing options, like seller financing, that might help bridge the gap between what you can afford and what they’d like to get for the property.

Are there any creative ways you’d recommend for me to identify and approach motivated sellers or uncover foreclosures?

I’m passionate, hardworking, and eager to dive into creative financing opportunities and learn from those who’ve walked this path successfully.If you’re someone who enjoys teaching, partnering, or sharing insights, I’d love to hear from you!

They tend to be less bureaucratic and more creative than big banks.