Real estate can be purchased in many ways. The right strategy depends on your financial situation, your investment goals, and the specific property. Here are the most common methods we use and teach.
Conventional Mortgage
A standard bank or credit union loan, typically requiring good credit, stable income, and a 5–20% down payment. Available with fixed or adjustable interest rates.
FHA Loans
Government-backed mortgages from the Federal Housing Administration. Down payments as low as 3.5% with more flexible credit requirements — great for first-time buyers.
VA Loans
Exclusive to veterans, active service members, and qualifying spouses. No down payment required, favorable rates, and no private mortgage insurance.
Trust Acquisition
A property purchased into a trust provides estate planning advantages and privacy. Title is held by the trust while beneficiaries retain control of the property.
Subject-To (Mortgage Takeover)
A buyer takes over an existing mortgage and continues payments under the original terms. Especially useful when the existing loan rate is better than current market rates.
Seller Financing
The seller acts as the lender — the buyer makes payments directly to them over time. Terms are negotiable and can help buyers who don't qualify for traditional bank financing.
Other Creative Methods
- Lease Options: Rent with the right to purchase the property at a set price later.
- Partnerships: Team up with other investors to share acquisition costs and profits.
- Hard Money Loans: Short-term, asset-based lending — commonly used for fix-and-flip projects.
- Private Lending: Borrow from individuals rather than banks or institutions.
- BRRRR Strategy: Buy, Rehab, Rent, Refinance, Repeat — a proven portfolio-building cycle.
Each strategy has its own benefits and risks. The right choice depends on your situation. Reach out to us and we can walk through your options together.