Creative Financing for Real Estate Investors
Seller Carryback • Structured Deals • Capital Coordination
Execute seller-financed and creative real estate deals with the right structure, timing, and capital support. Fuel My Deal works with experienced wholesalers and investors using seller carryback and creative financing strategies to close real deals—not theory.
What Is Creative Financing in Real Estate?
Creative financing refers to real estate deal structures that fall outside traditional bank lending. These transactions often involve seller participation, layered capital, or alternative closing strategies to acquire properties with less upfront cash.
One of the most common forms is seller carryback, where the seller finances a portion of the purchase price instead of receiving all cash at closing.
Creative financing is often used by investors looking to:
- Preserve liquidity
- Structure flexible terms
- Acquire properties that don’t fit conventional lending guidelines
Seller Carryback & Morby-Method Deal Structures
In a seller carryback transaction, the seller agrees to carry part of the purchase price as a note—often in second position—while the buyer brings a combination of capital sources to closing.
These structures may involve:
- Institutional or asset-based financing in first position
- Seller carryback notes for the remaining balance
- Short-term transactional or gap capital to execute the close
Fuel My Deal supports the execution and coordination of these layered structures when timing and documentation matter.
When Creative Financing Makes Sense
Creative financing is commonly used when:
- Sellers are open to flexible terms
- Investors want to minimize cash out of pocket
- Properties don’t qualify for traditional loans
- Deals require layered or non-standard structures
- Timing or liquidity constraints exist
These transactions require clarity, alignment, and proper execution to close cleanly.
Who Creative Financing Is Designed For
- Active real estate investors and operators
- Wholesalers transitioning into ownership
- Buyers working directly with motivated sellers
- Investors who understand deal structure and risk
See if your deal qualifies
How Fuel My Deal Supports Creative Deals
Fuel My Deal focuses on deal execution, not selling one-size-fits-all loans.
Support may include:
- Review of seller carryback terms
- Coordination of transactional or gap capital
- Alignment with asset-based or institutional lenders
- Structuring support for layered closings
- Clear communication through the closing process
What's typically required
Creative financing transactions generally require:
- Signed purchase agreement
- Clearly defined seller carryback terms
- Identified first-position financing (if applicable)
- Defined closing timeline
- Cooperative title or escrow
Each deal is reviewed individually.
Ready to Submit a Deal?
If you’re actively closing deals and need capital that can keep up, start with deal qualification.