Any one have any creative ideas on how to deal with a situation like this?   

However what is really of note here is your creativity in finacing the deal.  

I absolutely adore your creativity! 

I desire to network with other cash buyers, very motivated sellers, and creative & aggressive real estate agents.

Yea Asheville is a good place to live and a lot of people see that I think, but it just makes us have to be a little more creative and work a little harder to find good deals I guess. 

Thank you @James WiseYes you are right,one option would be an standard loan, The benefit would probably be if I can add some forced appreciation before refinancing, it would be a deal with mostly OPM while with an standard loan I must put a 20% down most likely, jut trying to be creative to finance the deal.

You mention limited cash, so unless a contractor will take a the job maybe be cost of materials and labor paid with promissary note, and or payments, get creative.

Be creative, you can do it, I wish you the best.LeJonR

I like how creative, yet simple it is.No wonder we are partners!

How should we approach people and let them know about creative financing so that we don't put ourselves into appearing like consultants and getting into possible litigation?