Also, with a VA assumable, if the one assuming the loan is not a veteran, then the seller (veteran) entitlement will still be tied up in that property.

Structuring Financing for Volume-Based InvestingTraditional financing methods like hard money loans work well for single properties but can be less efficient when you're scaling up.

.🔹 Creative Financing – Traditional loans don’t always work for distressed properties.

You can buy a rental house, put $60,000 down and you will have to get a non-recourse loan for the rest of the mortgage.

I can likely do this loan, but in all fairness, with this type of loan I suspect a community bank is going to beat me out.

We also have many unique buyer incentives where an investor can get up to a 10% price reduction to come into immediate equity, or get that 10% as a cash back at closing to reduce your down payment and increase your ROI, or buy rates down into the low 4s on 30yr loans to maximize cash flow.

I financed this deal on a 30yr conventional loan and I put 11,000 down with a 6.625% interest rate.

I am considering doing this with a 0% APR credit card to avoid a loan. 

Since the original loan remains in the seller’s name, you may need a nominee interest allocation to deduct mortgage interest, as the Form 1098 will likely be issued to the seller.

Maintenance and potential repairs will also require a long-term financial plan and setting aside a contingency fund for such expenses.The steady cash flow, appreciation over time, and tax benefits can make a meaningful difference to your wealth in the long term, especially with the principal paydown on the mortgage.However, if managing the property from a distance feels too burdensome, or if you’d prefer the certainty and flexibility that comes with having less debt (especially given the high mortgage rates), selling and using the $100,000 in equity to reduce your loan for your next home may be the smarter move.