There’s no money-back guaranteeThe most reputable programs will offer some form of money-back guarantee.

Also, the seller wants me to set the closing date on the contract to June 28th instead of our original closing date, which was August 17th, because she wants to receive the money in a timely manner to pay her back taxes.

So, yes investors have been using creative or private money financing. 

They make money and stay in business by taking your payments, and not paying out claims.

Yes, I don't want to waste time, but I also don't want tenants wasting their money.

Make money, save money, buy a house in a neighborhood they believed in, manage it well, and hold it forever.

That's not a lot money!

It's another form of borrowing money.

They're not going to waste their time helping foreigners knowing that many will end up not buying.I'm happy to refer you to my lawyer once you have found a property but it's better that you choose one in the region and province you're going to invest in as there could be "legal" differences pertaining to you.On another note, it's important that you realize that strategies that work in the US might not work in Spain and financing is different so you might want to figure out first if that works for you first to make sure you don't waste time and money unnecessarily.Hope this helps.

You'll save on realtor's fees.One thing to remember is unless you are flipping, selling a rental and buying a new one frequently is going to lose you money.