Using the HOMMEL HACK in 2026 💸ðŸ§

Christian Osgood breaks down the Hommel Hack, a real estate financing trick where you offer the seller a big down payment and their desired interest rate, then delay your mortgage payments for six months. Use that grace period to renovate and raise rents so the property cash-flows when payments start.
Chapters
If you're not finding rentals that cash flow in 2026, you probably need to know about the Hommel hack. Now, if you haven't used this strategy, Caleb Hommel actually developed this in our mentorship group, and he used it to close countless properties. You can do the same thing. So basically what you do is you legally don't pay your mortgage. He found a deal, awesome price, but the rents were really low, and there's a few units that need to be renovated, so the income would go up, but there was no way to get it to cash flow day one. I don't like buying real estate that loses money. You shouldn't either. So the solution, he gave them the price they wanted, he gave them the down payment they wanted, and he says, hey, I'm going to give you $100,000 down. He raised the money, by the way, that didn't come from him, but he writes them a $100,000 check. He's like, also, I'll give you the interest rate you want on this deal. However, my payments are going to start in 6 months. They have to live with getting their exact price they wanted. They're going to live off that $100,000 he just gave them as their security. And in 6 months they're going to get the exact payments they wanted. He said yes to everything that they wanted but gave himself 6 months to increase the rents, finish his renovation. That deal has cash flowed forever. That is such an easy strategy. The simplest little creative clauses can be the difference between cash flowing a deal or losing money on a deal. Caleb knocked this out of the park. That's why we call it the Hommel Hack. Hommel Hack, try it on your next deal.
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