If buyers are going to command wealth-building factors, you are going to have to be able to control the financing terms. Obviously "interest-only" will increase net cash flow and leveraged appreciation; but you’ll have given up all amortization. If you sell your property on an installment sale, you’ll have converted management effort to possibly higher income, but sacrificed tax shelter and leveraged appreciation and amortization. You’ll have passed these on to your buyer. I’m afraid there’s no way out; if you want to become filthy rich, you’re going to have to latch on to as many of the wealth-building tools as you can, and this is best done by buying property rather than selling it. The way you finance a long term rental house holds the key to accomplishing this. 

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The essence of creative financing is to be able to transfer equity between buyer and seller without the need for much cash.  This requires at least two highly motivated parties who are willing to work together, and knowledgeable enough to make a deal.  When a third party “deal-maker” is added to the mix, part of the profit can be carved out without any investment at all.  Learning how to become that third party is a major key to being able to earn profits on every buy/sell/lease/Option transaction.  To jog your imagination, here are ten ways that a deal can be made using creative financing with very little cash; but you’ve got to propose it.

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