Investor Financing Guides

Creative Financing, Market by Market

"Creative financing" covers the structures that don't fit a standard loan application: seller carrybacks, subject-to purchases, wraparound mortgages, cross-collateralized loans, and seller-funded rate buydowns. In a higher-rate market these tools are how your market deals that don't pencil conventionally still get done — but each one trades convenience for legal and structural complexity, and they deserve clear-eyed treatment.