And you get to hear so many different perspectives from creative investors. 

ANYWHO, after the rush of adrenaline began to subside from the possible first creative finance deal i've ever done, I realized I HAVE NO MONEY. lol.

(I know the price and time are huge variables, just wanting a ballpark from some of you that may do these)-What other creative instruments or methods can one use to make this deal happen?

Yes, we are in business to make money, but our primary goal is to offer solutions to that seller and if you are prepared to present them more than one possible solution, even if that means being more creative, you will be able to convert more leads, than if you are sifting and sorting thru motivated leads, looking only for those that have a clear titles.

I would get creative with the letter, the more creative I have gotten the better response it has gotten

Also in regards to continuously putting down 15% - 20%, at the time I was purchasing the property was before I had discovered the BP podcast and was not aware of all of the more creative ways to purchase properties and my only other known alternative at the time was to use an FHA loan on which the mortgage insurance would have diminished the return so much that it wasn't feasible. 

Anybody got any creative solutions for finding properties off the MLS other than direct mail or SEO for your website?? 

So at the same purchase price and renos, using a little creative financing allows us to cut out "cash down" by more than half, which almost doubles our ROI!

I like the creative thinking!!!

But, depending on the size of your portfolio (more than 5 units ish), ask your agents to look at this as a commercial policy and be creative and they should be able to give you a few separate options that can save you especially if they provide a shared liability policy.