Interest rates on mortgages have skyrocketed to levels we haven't seen in a long time, and this has definitely changed the game for us as real estate investors. On the plus side, the market has slowed down, and there are a lot more opportunities to buy good deals as a real estate investor. But on the negative side, those same high interest rates have made it much more difficult to make a positive cash flow on a property. So I want to help you solve this problem.

And instead of being one of the investors who's complaining about interest rates and sitting

on the sidelines, I'm going to give you some tools and techniques that can help you move

and change and adapt with the times so you can take advantage of the opportunities.

And the key here is something called creative financing.

Thank you. And the key here is something called creative financing. So in this video, I'm going to share five different creative financing techniques

that I've used in my own real estate investing business over the last 20 years

that you can implement today to still buy

investment properties and still make them make sense even with higher interest rates.

The first creative financing technique I want to share is something called private money.

So typically you go to the bank or you go to a lender and you get a traditional mortgage.

But there's a whole universe of private lenders.

These are individuals who either have enough

money to sitting in the bank, or maybe they have something called a self-directed retirement account,

where they can direct that money and they can loan it to you to make interest.

Now, why can this help you as an investor in a high interest rate market? Well, the benefit is

that is very flexible and everything is negotiable when you're sitting there talking to an individual. When you go to a bank, they say, here's our interest rate, take it or leave it, this is what it is, whereas an individual might have different goals, they might have different criteria. And what you'll find with many of them is that money sitting in the bank making a very low interest rate. It's a little bit higher today with CDs, or they might have the money in the stock market and they don't want to have all their money in the stock market going through the ups and downs of the stock market. You can often get a reasonable interest rate that makes sense. Now let me show you an example of how that could work. So let's say you're out there hunting for deals and because there's better buying opportunities now you find a property that has a full

value of $240,000 but you get a really good deal and buy it for $200,000. And let's say that if

you rented that property out, you could get about $1,600 per month. And after paying all of your

operating expenses, taxes, insurance, management, maintenance, those kinds of things. You have about

$1,000 per month left over. So remember our example earlier, if you were to get a $160,000 loan,

so you put 20% down after buying it for $200,000, and you did a 7% interest rate for 30 years,

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