The "Creative" Framework for Low-Down, High-Return Rentals

BiggerPockets Real Estate Podcast

Are high interest rates and large down payments stopping you from investing in real estate? If so, creative finance might be precisely what you need. It’s what today’s guest, Ankit Lodha, used to go from zero rental properties to THIRTY in just a couple of years. Sounds risky? What if we told you Ankit was walking into equity when he bought these deals, keeping him from being overleveraged and helping him build wealth faster?

After saving up for over a decade to buy his first property, Ankit quickly realized that building wealth would be a slow grind if he didn’t solve his down payment problem. He was working hard as a data scientist by day, looking for real estate deals by night, and needed a solution to help him creatively buy real estate WITHOUT putting twenty-five percent down on every property. After finding a sweet spot in his local housing market, where he made substantially more rent than other landlords, he knew he needed more properties.

Today, Ankit talks about how he scaled from zero to thirty properties using creative financing, seller financing, and traditional mortgages. He’ll talk about how he dodged the high mortgage rates most investors were forced to accept, how he built a team and runs his properties remotely, and the ingenious ways he buys houses for very little down with high cash flow.

In This Episode We Cover:

Creative financing explained and using it to build your real estate portfolio faster

Low money down real estate with seller financing and creating a win-win for you and the seller

Making twice his mortgage payment in rent by tapping into this “gray area” of his market

Building his team while working full-time and managing his rentals remotely

Making a fifty percent return on one very creative real estate deal

The risks of creative finance you MUST know about before you start

And So Much More!

Links from the Show

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Creative Financing: How To Use It In Real Estate

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(00:00) Intro

(01:47) Data by Day, Deals at Night

(05:51) Moving and Remote Management

(11:07) Making 2x His Mortgage

(17:15) Building the Team

(20:38) Creative Solutions with HUGE Returns

(29:16) Low Money Down Strategies

(30:11) Next-Level Seller Financing

(34:25) Creative Finance Risks

(37:41) Long-Term Vision

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1015

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