Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

12 million in debt with no money and no credit!

15 Jan 2023 · 0 min

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In this segment Christian Osgood explains the core advantage of creative financing for real‑estate deals: investors can bypass traditional bank requirements such as underwriting, credit checks, and third‑party approvals. Instead of fitting into a bank’s conventional box, the investor simply identifies a desirable property, then arranges the necessary debt and equity after the deal is secured. Osgood emphasizes that the deal itself is the most critical factor; if a buyer cannot qualify for a bank loan, they should simply avoid the bank and find alternative financing methods.

Another great benefit to creative financing is you don't have to fit into the bank's conventional box. That means you don't need to go through underwriting, you don't need to get a credit check, you don't need another person's approval to buy your deal. All you have to do is line up the debt and the equity after you find a deal. The deal is the most important part. If you want to buy it and you don't qualify, just don't go through a bank. Figure it out. They're not necessary.