Listen...
What if I told you we bought a property for $3,800 down and turned it into $316,000 in projected profit over time?
That's exactly what we did with a deal in Gardner, Kansas. And the best part is, we're cash flowing $558 per month with zero landlord headaches.
This is the power of creative financing. This is what happens when you become the party planner instead of trying to force cash deals.
Here's how it went down:
We found a veteran seller with a 2.25% interest rate on his mortgage. Beautiful property in a great school district. He wanted to sell, but our cash offer didn't make sense for him.
So we got creative.
We offered him $275,000 (more than the $265,000 market value), put $3,800 down, took over his existing mortgage of $201,000 at that incredible 2.25% rate, and he seller-financed the remaining $70,000 at 0% interest over 16 years.
You read that right. A $70,000 loan at ZERO percent interest.
Then we sold it for $320,000 on seller financing at 6% interest. The buyer put $25,000 down and will pay us $2,275 per month.
We're cash flowing $558 per month in true passive income. No repair calls or tenant drama.
But here's where it gets really good:
Because of the interest rate arbitrage we created, our equity is growing every single year.
When this family refinances or sells (average is 5-7 years), we're getting a massive equity payout on top of all the cash flow we've already collected.
That's how we get to $316,000 in total projected profit—a set up that benefits ALL parties involved, including the family.
What we learned from this deal:
Relationship building takes time. This wasn't a one-call close. We talked to this seller multiple times. We built trust. We showed him how we help families gain access to home ownership who can't get traditional financing.
If we had rushed it, we would have lost the deal.
Low interest rates are absolute gold. When you find properties with great underlying financing, you can pay more than market value and still make the numbers work incredibly well.
And here's the bigger picture:
This is about building wealth systematically over time.
One deal like this won't change your life forever. Will your groceries be covered? Sure. But the name of the game is consistency.
Imagine doing one deal like this per month for one year. Now you're starting to really chip away at your burn rate. You're building real financial freedom.
That's what we're here for. To help you transition from chasing the next deal to building a portfolio that serves your life—not the other way around.
Watch the full breakdown where I walk through every detail of this deal.
We're going deeper into creative financing strategies over the next few weeks. More real deal breakdowns. More exact numbers. More step-by-step walkthroughs.
Because underwriting is THE skill that allows you to 10x your life.
To your freedom,
Phil