take your bonus, pay down the home and sell it. not much creativity that can be had. if you try and short sell it the banks could still come back after you and it will crush your credit. chalk it up to a very expensive lesson learned - was it driven by FOMO of feeling like you needed to invest because everyone else was making money?

Also use Placer.ai stats to compare both properties, local demographics, median income etcOur experience on the lending side is that if gross sales are consistent over last 3-years, under writers will consider this incomeI would definitely consider option-1 based on tenants sales, NOI and how stable the restaurant is running.

I got creative with coming up with money (401k up to 50k, 0% interest for a year credit card loans and lines of credit loans from banks).

I’d love to get creative with marketing without spending a ton, whether through social media, local community groups, or any other cost-effective avenues.

Trying to find a creative way to partner with the owner, owner is retiring and won’t be able to hold it.

They didn't make a fuss over the due-on-sale clause because they valued the relationship and the steady cash flow.From what I've heard, smaller regional lenders or credit unions are sometimes more open to these kinds of creative financing strategies.

Hey Noey,The way I see it would either be a bridge (depending on how low) which wouldn't necessarily satisfy the 30 year stuff or getting creative on a 30 year.You could bring on a person onto an LLC to act as a credit partner and to find a lender that would utilize their score for pricing.

Very new, minimal money and interested in creative financing. 2.

seems like some crazy strategy that is taught by some creative finance guru. 

**Introduce the Idea of Seller Financing** - **Present It as a Solution**: Frame seller financing as a creative solution that benefits both parties.