Even if someone in these forums were to teach you a creative financing strategy that required zero out of pocket cash and the seller was willing to accept those deal terms, you still aren’t qualified to own real estate with your current balance sheet.

.: Someone asked for more detail on Creative Finance.

Looking for any creative input on how something like this could be structured.Taking part of the purchase price of real estate as a charitable donation and using said deduction to lower your taxes is tantamount to sending a cover letter to the IRS with your return requesting an audit.  

Are there other more creative ways to start cash flowing in year one Be careful because federal mortgage fraud and going to jail is a real thing.

The Creative Investor Meetup is designed for beginning to advanced investors who would like additional strategies when constructing deals.All aspects of real estate investing will be covered including (but not limited to) - Wholesaling, Flipping, Buy and Hold and Commercial with an emphasis on Creative Financing.

There is a difference between newbies trying to do creative financing deals and actually doing them.

Creative Financing" can mean a lot of different things depending on who you're talking with. 

We just joined Bigger Pockets & are looking to connect with others who do creative deals in Denver Metro & surrounding areas.

@Tyler Speelman Your strategy to assist your sibling with a down payment while minimizing tax liability is creative but comes with complexities.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.