I really enjoy the sweat equity part of flipping and feel like I have a creative mind for it.

I'm not using any creative financing techniques for these first two units, which means I will certainly be leveraging my income for my mortgage loan (this is why I am debating the importance of a 20% downpayment on the second unit, and eating some insurance costs in the process). 

The seller is open to a wrap around mortgage and other creative means of financing without dealing with a conventional bank.

I think there is more ways to be creative in Everett and the city is spending a ton to upgrade the Marina area in Northwest Everett too. 

Plus owners of houses that are distressed are usually more willing to accept creative deals.

Some brokers are also correspondent lenders and have access to private capital, allowing them to provide more creative lending options (like getting a second mortgage on your investment property to repay your down payment after closing 😊).

Creative FinanceWith rates rising, creative finance has become even more prolific.

I've done well on my SF investments, but I've been utilizing creative rental strategies (furnished mo/mo, rent by room, Airbnb), which require more time and effort.

The outcome was two years of therapeutic manual labor and a creative outlet.

Just trying to be creative!!