• Pace Morby

How Creative Financing Can Save Anyone Thousands of Dollars

I saw a video on TikTok last week of a guy who was bragging that he was making bank buying and selling houses from his computer.


While my style of real estate investing has always been physically showing up for buyers and sellers, I thought I’d look into this just to see what was up. Turns out, this guy was wholesaling houses from the comfort of his own home.


I wholesale houses on occasion, but if you had to give me the voice between wholesaling, fix and flipping, buying and renting and creative financing – creative financing is king.


If real estate investing were a cage match, creative financing would win the money every time because you can do anything with it.


I’ve said this before, but here are just a few things I’ve done with creative finance in the past:

  • Sold a car for thousands more than it was worth.

  • Bought a home for my family..

  • Wholesale properties and vacant lots for development.

  • Bought multi-million dollar multi-family properties.

  • Bought multiple new cars.


And this is just some of the stuff off the top of my head.


Because buying a car is small potatoes, but also super important to giving people freedom, I broke down the steps of how to buy a car just to show you how to do it.


You can watch that here.




Just like with a car, you can buy anything you need in life with creative financing.


For the average person not looking to get into real estate investing, creative financing is still something you should learn how to do to save yourself thousands in your lifetime.


If you just want a home to live in – and not necessarily to invest in as a rental property or otherwise – creative financing saves you so much money, and still pays your seller you’re buying the home from a ton of money too.


How’s that even possible?


Well, let’s say you’re trying to buy a $300,000 home. If you’re a first-time home buyer, you could save $15k for a down payment, and then go to a bank for the rest. You’ll then owe the bank some serious interest.


Especially now that interest rates are only going up, you will be paying your bank back thousands and thousands of dollars more just to have a place to live.


Instead, you can approach sellers and negotiate a lower interest rate that you both agree on, and they get paid that money instead of the bank. Your agreement just hinges on them acting as your bank instead of you getting payment in full.


Then you pay them back over an agreed amount of time like you would with a bank anyway. You save money and they make more money.


It’s that easy, which is why we have thousands of people in the SubTo community that help each other learn how to do this.


It gives you financial freedom like you’ve never had before. And financial freedom that you’ll never have unless you learn how to do it.