Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

Creative Financing for Real Estate Deals

11 Apr 2026 · 1 min

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0:43

Christian Osgood breaks down how real estate investors without cash can still close deals using seller financing, bank loans, or DSCR loans. The key is securing a strong credit score and down payment source, then structuring the deal so you control it while connecting the seller to financing. Every deal needs a custom approach.

Chapters

I think regardless of whether you do seller financing or you do a bank loan, you have to, if you don't have money, you have to get creative on how you qualify. That's the bottom line. So if you go get a DSCR loan, if you don't have the money down, you have to get a little bit of creativity involved to figure out, okay, well, how, what would I need to qualify? I need someone with a credit score. I need someone with the money down. And you know, how do I structure it to where I have control, even though I don't have any of the pieces, I'm just playing matchmaker. You do seller financing. How do I make the seller feel warm and fuzzy about me regardless of my background? It's going to take creativity regardless of whether it's actually seller financed or bank loan or commercial. And it's not going to be just, if I do X, Y, and Z, every deal is going to work. It's going to be, what do I have to do to make this deal work?