Buyers who are close to qualifying for a mortgage but need 12–24 months to get their finances in order. 4. Private Money or Hard Money
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A portion of your rent often goes toward the down payment. It gives you time to repair your credit or save more money while "locking in" today's price. Buyers who are close to qualifying for a
Instagram) or focus on a like real estate investors? creative financing for buying a home
Borrowing from individuals (friends, family, or private investors) rather than institutions.
You buy the property "subject to" the existing mortgage. You take title to the house, but the seller’s original loan stays in their name. You simply take over their monthly payments.