Welcome

LET'S EXPLORE WHAT CREATIVE FINANCING IS ALL ABOUT

Welcome

LET'S EXPLORE WHAT CREATIVE FINANCING IS ALL ABOUT

We’re Jenn & Joe, creators of the Creative Finance Playbook.

If you desire to start or grow your real estate portfolio without all red tape of going through banks or agents, but don’t know where to start, this page is for you.

Our belief in helping you learn is simple: anyone can build wealth and create freedom using creative financing once they have the right tools and strategies. That’s what we’re all about.

We’re Jenn & Joe, creators of the Creative Finance Playbook.

If you desire to start or grow your real estate portfolio without all red tape of going through banks or agents, but don’t know where to start, this page is for you.

Our belief in helping you learn is simple: anyone can build wealth and create freedom using creative financing once they have the right tools and strategies. That’s what we’re all about.

Get Started Today

WATCH THESE FIRST

WHAT IS CREATIVE FINANCING

And Why Does It Work?

Learn how investors are using strategies like seller financing, subject-to, and lease options to acquire properties with little to no money out of pocket.

Whether you’re a beginner or just curious about how creative finance can help you build your real estate portfolio—this is your starting point.

CLOSING YOUR FIRST DEAL

A Real Deal Breakdown

Wondering what it actually takes to close your first creative finance deal? In this video, I walk you through a real deal one of our clients closed using creative financing techniques.

You’ll see exactly how I found the seller, structured the terms, and overcame objections—even with limited resources and zero bank loans.

SCALING YOUR PORTFOLIO

And Going Full-Time

In this video, I’m breaking down how to go from part-time investor to full-time real estate entrepreneur using creative financing.

If your goal is to replace your 9-5 income and build a portfolio that produces consistent cash flow and long-term wealth, watch this.

Get Started Today

WATCH THESE FIRST

WHAT IS CREATIVE FINANCING

And Why Does It Work?

Learn how investors are using strategies like seller financing, subject-to, and lease options to acquire properties with little to no money out of pocket.

Whether you’re a beginner or just curious about how creative finance can help you build your real estate portfolio—this is your starting point.

CLOSING YOUR FIRST DEAL

A Real Deal Breakdown

Wondering what it actually takes to close your first creative finance deal? In this video, I walk you through a real deal one of our clients closed using creative financing techniques.

You’ll see exactly how I found the seller, structured the terms, and overcame objections—even with limited resources and zero bank loans.

SCALING YOUR PORTFOLIO

And Going Full-Time

In this video, I’m breaking down how to go from part-time investor to full-time real estate entrepreneur using creative financing.

If your goal is to replace your 9-5 income and build a portfolio that produces consistent cash flow and long-term wealth, watch this.

3 Ways We Can Help You

ACCELERATE YOUR GROWTH

3 Ways We Can Help You

ACCELERATE YOUR GROWTH

FAQ's

What Is Creative Financing in Real Estate?

Creative financing is any way of buying or selling real estate that doesn’t rely on a traditional bank loan. It includes strategies like seller financing, lease options (rent-to-own), subject-to deals, and more. It’s about finding flexible ways for buyers and sellers to make a deal work—even if banks say no.

Is Creative Financing Legal?

Yes! Creative financing strategies are 100% legal when done properly with the right paperwork and disclosures.
However, laws and rules can vary by state, so it’s always smart to consult a real estate attorney, experienced investor or coach before doing your first deal.

How Do You Find People Willing To Do A Creative Financing Deal?

Typically, you’ll work with motivated sellers—people who need a solution fast or who have unique situations like:

1. Can’t sell their home traditionally

2. Have little or no equity

3. Want monthly income instead of a lump sum

And while there are many ways you can find these sellers (like through direct mail, online ads, networking with agents, or by talking to people already trying to sell their homes), we have found the easiest way to find loads of highly motivated sellers. Check out how during our next live event here.

Who Should Use Creative Financing Strategies?

Creative finance is a good fit for:

1. Investors who want to buy property with little cash or credit

2. Homebuyers with limited down payments or credit challenges

3. Sellers who want more control over how they get paid

4. Real estate agents who want more tools to help clients

It’s all about helping people make deals that traditional financing wouldn’t allow.

Do I Need Lots of Capital or Good Credit?

Not necessarily! That’s the whole point of creative financing—it lets you control or purchase properties without big bank loans, big down payments, or perfect credit scores. We've even done deals That said, having some funds for closing costs, marketing, and reserves is always helpful.

Do I Need A Real Estate License To Do Creative Financing Deals?

The great news? No! You do not need a real estate license to buy or sell properties using creative finance for your own investments. Which makes this a great way for anyone to get into real estate investing!

What Type of Properties Can I Buy with Creative Financing?

You can use creative financing for single-family homes, luxury estates, multi-family units, vacant land, and even some commercial properties. The key factor isn’t the property type—it’s the seller’s willingness and flexibility.

What Kind of Sellers Agree to Creative Financing Deals?

Sellers may choose creative financing if they:

1. Want monthly income instead of a lump sum

2. Have trouble selling the home traditionally

3. Need a quick or hassle-free sale

4. Owe more than the property is worth (little or no equity)

5. Are investor-savvy and prefer installment income over time

What's the First Step to doing a Creative Financing Deal?

Step one is usually talking with the seller to understand their needs and situation. Then you can determine if a creative option like seller financing, subject-to, or lease option makes sense for both parties.

FAQ's

What Is Creative Financing in Real Estate?

Creative financing is any way of buying or selling real estate that doesn’t rely on a traditional bank loan. It includes strategies like seller financing, lease options (rent-to-own), subject-to deals, and more. It’s about finding flexible ways for buyers and sellers to make a deal work—even if banks say no.

Is Creative Financing Legal?

Yes! Creative financing strategies are 100% legal when done properly with the right paperwork and disclosures.
However, laws and rules can vary by state, so it’s always smart to consult a real estate attorney, experienced investor or coach before doing your first deal.

How Do You Find People Willing To Do A Creative Financing Deal?

Typically, you’ll work with motivated sellers—people who need a solution fast or who have unique situations like:

1. Can’t sell their home traditionally

2. Have little or no equity

3. Want monthly income instead of a lump sum

And while there are many ways you can find these sellers (like through direct mail, online ads, networking with agents, or by talking to people already trying to sell their homes), we have found the easiest way to find loads of highly motivated sellers. Check out how during our next live event here.

Who Should Use Creative Financing Strategies?

Creative finance is a good fit for:

1. Investors who want to buy property with little cash or credit

2. Homebuyers with limited down payments or credit challenges

3. Sellers who want more control over how they get paid

4. Real estate agents who want more tools to help clients

It’s all about helping people make deals that traditional financing wouldn’t allow.

Do I Need Lots of Capital or Good Credit?

Not necessarily! That’s the whole point of creative financing—it lets you control or purchase properties without big bank loans, big down payments, or perfect credit scores. We've even done deals That said, having some funds for closing costs, marketing, and reserves is always helpful.

Do I Need A Real Estate License To Do Creative Financing Deals?

The great news? No! You do not need a real estate license to buy or sell properties using creative finance for your own investments. Which makes this a great way for anyone to get into real estate investing!

What Type of Properties Can I Buy with Creative Financing?

You can use creative financing for single-family homes, luxury estates, multi-family units, vacant land, and even some commercial properties. The key factor isn’t the property type—it’s the seller’s willingness and flexibility.

What Kind of Sellers Agree to Creative Financing Deals?

Sellers may choose creative financing if they:

1. Want monthly income instead of a lump sum

2. Have trouble selling the home traditionally

3. Need a quick or hassle-free sale

4. Owe more than the property is worth (little or no equity)

5. Are investor-savvy and prefer installment income over time

What's the First Step to doing a Creative Financing Deal?

Step one is usually talking with the seller to understand their needs and situation. Then you can determine if a creative option like seller financing, subject-to, or lease option makes sense for both parties.

UP-TO-DATE,

COMPREHENSIVE,

SOMETIMES CRAZY

CREATIVE FINANCING

INSIGHTS & TIPS STRAIGHT

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How did you hear about Jenn & Joe

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UP-TO-DATE,

COMPREHENSIVE,

SOMETIMES CRAZY

CREATIVE FINANCING

INSIGHTS & TIPS STRAIGHT

TO YOUR INBOX

How did you hear about Jenn & Joe

I confirm that I want to receive communication from Creative Finance Playbook using the contact information I provided. Message and data rates may apply.

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  • Start Here

  • Podcast

  • Events

  • Free Training

GET IN TOUCH

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