Howdy HBS…
It’s true that you don’t need money or credit to do deals.
But being the buyer for these deals would require either money and/or credit.. which are both too risky in my opinion.
If YOU were the wholesaler on these deals, you would not need money or credit. BE THE WHOLESALER!
Other ways you can do deals that you don’t need money or credit is to find vacant houses in nice neighborhoods. then do a master lease.
or buy subject to the mortgage then keep as a rental or sell with a WRAP to get a big down payment and monthly cash flow.
or get an option then do a Highest Bidder Sale … this can be a wholesale deal or a retail deal. Wholesale deals are usually cash and pay faster.. so it is better to focus on them at first.