7 Ways to Fund a Real Estate Deal With Little or NO Money

💰 How to Finance Your Next Investment Property (Even if You’re Broke)

Think you need deep pockets to invest in real estate? You don't. If you're short on cash but rich in hustle, you can still close deals — you just need to get creative, be resourceful, and (brace yourself)... talk to people.

Here are the top ways savvy investors get deals done with other people’s money:

🧑‍🤝‍🧑 Equity Partner

Split the deal. You bring the hustle; they bring the capital. Everyone eats.

💸 Private Money Lender

Find someone with cash sitting in a retirement account or savings account.

 ✅ Bonus: Many will fund 100% of the project if you have a great deal and a solid plan.

🏡 Lease Option

Control a property without owning it. Small upfront cost + rent credits = future ownership.

It’s a “try before you buy” with profits baked in.

📜 Subject-To

Take over an existing mortgage subject to the original terms.

Keep the loan in place, take control of the property. Creative, legal, and done all the time.

📆 Master Lease for STRs

No mortgage, no problem. Lease the home from the owner and sublease it as a short-term rental.

Low overhead, high cash flow (done right).

🏦 Hard Money Loan

Not for the faint of heart — but if the numbers work, hard money can get you to closing fast.

Tip: Use this when the property’s going to be flipped or refinanced quickly.

🧠 Seller Financing

Negotiate directly with the seller. They become the bank.

No banks = no underwriting headaches.

🔄 Hybrid Creative Deal Structures

Mix and match! Combine a lease option with seller financing, or private money with a subject-to.

The only limit here is your imagination (and legal paperwork).

Bottom line:

No money? No problem — if you’re willing to bring effort, creativity, and courage to the table.

The deals are out there. So is the capital. You just have to connect the dots.