{"id":18189,"date":"2025-06-08T20:33:50","date_gmt":"2025-06-08T20:33:50","guid":{"rendered":"https:\/\/ourhouseforsale.com\/?p=18189"},"modified":"2026-02-20T18:09:55","modified_gmt":"2026-02-20T18:09:55","slug":"zero-down-real-estate-investing","status":"publish","type":"post","link":"https:\/\/ourhouseforsale.com\/index.php\/2025\/06\/08\/zero-down-real-estate-investing\/","title":{"rendered":"Zero Down Real Estate Investing"},"content":{"rendered":"<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0Zero down? Why would a seller want to walk away from closing with nothing? Well, they wouldn\u2019t, and that brings up the most important point about real estate investing with no downpayment: The seller almost always needs cash at closing, but it doesn\u2019t have to be YOUR cash.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0A Zero Down Example<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0I\u2019m selling a small rental property right now, with payments of $400\/month. The buyer has a good credit report, and the $5,000 downpayment covers closing costs and even a foreclosure, if necessary. So at this point, I don\u2019t care where he gets the downpayment. A $6000 cash advance on a low-interest credit card for example, would cost him about $135 per month, and give him enough for the downpayment and his closing costs.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0In this case, with rent around $600 per month, he would be okay. In some cases, however, that extra $135 might cause negative cash-flow. So be sure that however you do it, the numbers work. By the way, I would have set the payments at $350, if he had asked, because it\u2019s the price and the interest rate that are important to me.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0Other Zero Downpayment Methods<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0While there are sellers (like myself) that are able to offer terms and low downpayments, usually you have to find a way to get at least 70% of the price to them in cash. Think in terms of how to get a primary loan, then how to raise the money for the remainder. A couple examples follow.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0Some banks still do \u201cno doc\u201d loans, meaning they don\u2019t require verification of income, source of downpayment, etc. They generally loan only 70% to 80% of the property value, but if the seller is willing to take a second mortgage from you for the other 20% to 30%, you are in with no money down. The seller gets 70% or 80% in cash, plus payments for years to come. You\u2019ll have two payments, of course, so be sure the numbers work.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0You can borrow against your home or other property to come up with downpayment money. If you borrow for a \u201cvacation,\u201d and leave whatever you don\u2019t spend in your checking account for a while, you can use it without violating bankers rules about borrowing for a downpayment.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0Even if you live in a small town, there are usually a few \u201cnote buyers.\u201d These are investors that buy land contracts, mortgage loans and other \u201cnotes\u201d at a discount. If a seller takes a purchase money mortgage from you for $100,000, for example, a note buyer might pay him $85,000 for it. So how does that help you or him?<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0An example: A seller prices his property at $195,000, and expects to sell it for $180,000. You offer $205,000 in the form of a mortgage for $160,000, and another for $50,000. You have arranged for the sale of the first mortgage at closing for $136,000 to a note buyer. The seller gets that cash now, plus payments from you on the second loan for $50,000. Notice that this adds up to $186,000, which is more than he expected to get out of the deal.<\/span><\/strong><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u00a0 \u00a0 \u00a0These are just some of the ways you can buy with zero down. Real estate investing is about making the deal work for all parties. Find a way to get what you want, and get the seller what he wants. That is more important than having big cash on hand.<\/span><\/strong><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00a0 \u00a0Zero down? Why would a seller want to walk away from closing with nothing? Well, they wouldn\u2019t, and that brings up the most important point about real estate investing with no downpayment: The seller almost always needs cash at closing, but it doesn\u2019t have to be YOUR cash. \u00a0 \u00a0 \u00a0A Zero Down [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_angie_page":false,"page_builder":"","footnotes":""},"categories":[5,137],"tags":[139,138,11,140],"class_list":["post-18189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","category-buying-real-estate","tag-buying","tag-buying-real-estate","tag-real-estate","tag-zero-down-payment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zero Down Real Estate Investing - OurHouseForSale<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ourhouseforsale.com\/index.php\/2025\/06\/08\/zero-down-real-estate-investing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zero Down Real Estate Investing - OurHouseForSale\" \/>\n<meta property=\"og:description\" content=\"\u00a0 \u00a0 \u00a0Zero down? 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