A due on sale clause is a provision in most mortgage contracts that gives the lender the right to demand the full payment of the loan balance if the borrower sells or transfers the property without the lender's consent. You can overcome it in these 3 ways:

SBLOCS, or securities-backed lines of credit, are loans that use your investment portfolio as collateral. They allow you to borrow money at a low interest rate and use it for various purposes, including real estate investing. SBLOCS have several advantages over other types of loans, such as mortgages, home equity loans, or personal loans. Some of these advantages are:

If you have a life insurance policy, it could help you buy a property in a couple of ways:

Lenders may accept your policy as a form of collateral or if your life insurance policy has cash value, you could take that money out through a loan or withdrawal and put it toward your home purchase.

In this article, we will explain how these two methods work, what are the benefits and drawbacks of each, and what are the best practices for using life insurance to buy a property.

FHA loans are mortgages that are insured by the Federal Housing Administration (FHA), a part of the Department of Housing and Urban Development (HUD). FHA loans are designed to help low- and moderate-income borrowers who may not qualify for conventional loans. FHA loans have lower down payment and credit score requirements than most other types of mortgages, and they also offer more flexible terms and options. Here are some of the main topics you need to learn about FHA loans:

A self-directed IRA is an individual retirement account that allows you to choose from a variety of investment options that are not typically available in regular IRAs. A self-directed IRA can be either traditional or Roth, depending on whether you want to pay taxes now or later on your investment income. You are able to invest in just about every type of real estate within a self-directed IRA.

A cash-out refinance is a way to access cash by replacing your current mortgage with a new, larger loan. The difference between the new loan amount and the balance on your previous loan goes to you at closing in cash, which you can spend on home improvements, debt consolidation or other financial needs.

To get a cash-out refinance, you need to meet certain criteria, such as having a good credit score, a low debt-to-income ratio, enough equity in your home, and a stable income and employment history. You also need to compare the costs and benefits of refinancing your loan, such as the interest rate, fees, closing costs, and the impact on your monthly payments and taxes.

Hard money loans are short-term loans provided by private investors or companies. These loans are typically secured by real estate assets, making them a popular choice for real estate investors.

A HELOC, or a home equity line of credit, is a type of loan that allows you to borrow money from the equity in your home. A HELOC works like a credit card, where you have a credit limit and you can withdraw money as you need it, up to that limit. You only pay interest on the amount you borrow, not on the entire credit line. You can use the money for any purpose, such as home improvements, debt consolidation, or investing in real estate.

They key to any success is relationships. No one on planet earth is successful only because of themselves. Self-made millionaires don’t exist. Sorry. Every transaction requires another human being. This is doubly true for real estate. EVERYTHING is built or broken over the quality of the relationships and the trust within those relationships. In this article we are going to go over the key members of your creative finance real estate team and ideas of where to find them.

A lesser-known, but still highly effective creative finance strategy is the lease option, which is a type of seller financing that allows the buyer to lease the property for a specified period, usually one to three years, with the option to purchase the property at the end of the lease term, at a predetermined price, with a portion of the rent payments applied toward the purchase price.

Private money loans are short-term loans provided by private lenders, as opposed to traditional financial institutions like banks or credit unions. These loans are typically secured by real estate assets, making them a popular choice for real estate investors.

One of the most important aspects of creative finance is the deed of trust, also known as a trust deed. It is a legal document that transfers the title of the property to a third party, known as the trustee, to hold as security for the loan or debt. Learn all about it here!

One of the most popular and effective creative finance strategies is the land contract, which is a type of seller financing that allows the buyer to make payments directly to the seller, while the seller retains the title to the property until the loan is paid off. A land contract can help you buy or sell properties without using a bank or a mortgage lender, and without needing a large down payment or a good credit score.

One of the most important aspects of creative finance is the promissory note, which is a legal document that states the amount and terms of the loan or debt, and the consequences of default. The promissory note can make or break a creative finance deal, as it can protect your interests, reduce your liability, and prevent any misunderstandings or disputes. Learn all about it here!

One of the most important aspects of creative finance is the purchase contract, which is the legal document that outlines the terms and conditions of the deal, and binds both parties to the agreement. The purchase contract can make or break a creative finance deal, as it can protect your interests, reduce your liability, and prevent any misunderstandings or disputes.

A lesser-known, but still highly effective creative finance strategy is the wrap-around (wrap) mortgage, which is a form of seller financing where the seller keeps their existing mortgage and offers a new loan to the buyer that covers the remaining balance and the equity. This way, the seller acts as the lender and receives payments from the buyer, while still paying the original mortgage to the bank. A wrap can benefit both parties in a real estate transaction, especially when the buyer has difficulty qualifying for a conventional loan or the seller wants to earn a profit from the interest difference.

Creative finance can involve some risks and challenges. One of the ways to overcome these risks and challenges is to use a partnership agreement, which is a legal document that defines the relationship and the responsibilities of two or more parties who agree to work together on a real estate deal.