I have used most of my traditional financing cap with earlier purchases so now I'm using creative financing like seller financing and sub-to purchases to keep growing my portfolio.I'm currently focusing in Tennessee on homes under $500,000.

I have a prospective tenant that filled out an application.However I need some advice on qualifying this individual.The current rent is 3600The applicant is a family The Spouse doesnt work The main applicant gross W2 income is around $10000 monthThe monthly net income is $5700No car loan's No credit cards balancesThey pay $800 month on a personal loan.Since a rent check is written after net income is received.

The right answer to this is they should lock your rate for 30 to 45 days and do so immediately upon your credit being pulled and the application submitted. 2.

For my small size it seemed unnecessary and I didn't see the benefit in the small companies for a small time guy like myself.What I do is I can collect rent through Venmo (free), I have a tennant application embedded into my website (cognito forms...also free) I screen tennants through mysmartmove.com (Transunion's company gives you credit report, background, criminal, eviction etc. and tennant pays for the screening so also free.) 

Looking to see if anyone here teaches any courses or knows of anything to learn creative financing.

I see the technology being applicable in real estate investing as well.

Get creative, ask for a lot of Seller financing deals, etc.

Yes, businesses repossess cars that have been financed.

One thing to consider is owner finance if you can. 

Build a commercial team- insurance, financing, Planning/Zoning, fire inspector, trades- electrician, plumber, carpenter, excavation, concrete, hvac, flooring, engineers, signage, etc.