My initial desire was to purchase a HUD home, REO, or Pre-REO that's being marketed, but w/o pre-approval I can't even get anyone to talk to me, so I had to become a bit more creative.

Did you incorporate your business with an LLC?

I dont what it is about this realtor but every time I put a creative spin on deals he shoots them down...smh.. glad I decided to work with more than one..and how can I get around Ernest money when doing cash buys?

I didn't realize my inclination to do things my way, which doesn't really work in corporate America, is EXCELLENT if you want to charge ahead of the pack.

@Joe Santiago Only suggestion: maybe try small local portfolio lenders, and creative financing ( seller carry note ) Maybe even 2nd position note via seller - even better cashflow -> :)

I'd also like to discuss some other creative financing options like portfolio lending, etc.Can you please provide guidance or contacts?

, and will be using the money I save from my job as my primary source of capital in the beginning, although will probably have use some more creative approaches as I butt up against my mortgage limit.BiggerPockets, you have already inspired and motivated me beyond my wildest expectations.

I am really getting frustrated and that is not what I need right now. lol....anybody out there with some ideas on creative financing to come up with a down payment on a really good property??

This could be the reason.There is a creative way around it but it's too long to explain it here.

I will try and throw all sorts of creative financing options while talking to someone.