The BP Rental Property Calculator does not let me perform such "creative financing".

If you're looking to learn or discuss creative ways of dealing with a situation, I would suggest finding a good REI club.

Are there ethical considerations or is this just another 'creative financing opportunity'Am I the only one who has ever suffered this type of dilemma :)btw Happy Christmas and a great New Year to anyone who helps me out of this New Years problem:)

We're going to have to look at paying off some of that debt, and/or creative financing.

His office specializes in working with investors and can help navigate the challenges of a creative deal

A smart, seasoned investor knows more about alternative creative real estate contract engineering than the lawyer, banker or an agent.

(that training was not available to me, probably because the agency didn't have a clue to how to invest, how to make money or creative financing terms)  An idea that may have merit.......Interview agents. preferable a new agents.Let the agent know what your objective are (to buy, to control, to flip to build your portfolio)Be honest, let the agent know you are serious and that you have the cash or technique to control real estateSign a buyer broker agreement with the agencyIt is important to let them know that you will pay them a fee on unlisted properties that you buy.You need to lay out a plan that will help you and them to put together profitable transactionsOffer to not only pay a commission but you will list with them when you are ready to sell and (this is important) that you will give them a percent of your net profitsBe generous with your agent, offer a gas credit card, cash for giving you expired listing, buy lunch and give them cash from time to time.

But, I see wherein you are also open to doing out of State purchases and that's a good plan B to incorporate in your investment strategy.http://www.biggerpockets.com/startherehttp://www.biggerpockets.com/meethttps://www.biggerpockets.com/alertsHow to Use @Mentions on BiggerPocketshttps://www.biggerpockets.com/ruleshttps://www.biggerpockets.com/termshttps://www.biggerpockets.com/inviteshttps://www.biggerpockets.com/perkshttps://www.biggerpockets.com/forums/categorieshttps://www.biggerpockets.com/courses/a-beginners-introduction-to-real-estate-investing (video courses)https://www.biggerpockets.com/real-estate-investing (Ultimate beginner's guide to REI)REI can be very daunting, but, before you go searching for that 1st buy, please take a few minutes to bone up on the tips in link below.https://www.biggerpockets.com/renewsblog/2014/12/19/real-estate-investing-success-smart-tips/REI books suggested by BPershttps://www.biggerpockets.com/renewsblog/2015/11/13/7-real-estate-books-beginner-investors/ (7 absolute must read books for beginner REI)http://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

I may be able to use creative financing for the bigger deals but, do I want to be *forced* to make the deal in this way?

@Cody GrayHey Cody,Brandon from bigger pockets has a book on creative financing for real estate deals.