Purchasing a home, whether it is your principal residence or a rental property, with no money down is a very interesting concept. Although you’ve probably heard many real estate agents or financial planners discuss this concept, it is not as easy as it is made out to be. The hardest part of these structures is accessing the necessary financing to compensate for not using your own money. It also involves an in-depth analytical review to determine the feasibility, or lack there of, for any purchase consideration. This becomes even more difficult, if not impossible, if you are younger and lack the necessary financial experience to facilitate this type of structure.

Years ago I identified a need to facilitate this entire process, ie the process of buying a property with no money down, on behalf of any potentially interested purchaser. Accordingly I assist all type of individuals, seasoned veterans as well as first-time buyers, to purchase a property, either a principal residence and/or a rental property, without using any of your own money. The process is quite simple and can be summarized as follows; you are responsible to find a property which you may be interested in purchasing. At this time I become involved to review the potential purchase with you and, if it goes past the exploratory stage, commence gathering information regarding the necessary financing. If, after exploring different options, you are interested in proceeding I will arrange the necessary 1st mortgage financing which would be derived from either taking over an existing mortgage on the property, having the vendor hold back a mortgage, accessing private funding, obtaining a fully-discounted mortgage from either an A lender or an A plus lender or exploring the sub-prime and B lender marketplace. The source of primary financing will be dependant on each individual circumstance and will be dictated by your individual credit rating, loan-to-value ratios as well as income levels. The residual funds, beyond the primary financing, will be provided in the way of a secondary mortgage. Again, I will arrange the necessary financing on your behalf to complete the purchase.

Be advised that your involvement is required, and expected, throughout the entire process. You and I become a team as we determine which financing, primary and secondary, is most suitable for your circumstance. As we proceed you are involved with all the analytical and investigative work with me, this way you fully understand the structure and that way you can provide the necessary contributions in determining if a certain purchase is even feasible for your circumstance.

The benefit of my involvement is that you can accomplish the purchase of a property, either as a principal residence and/or as a rental property, without using any of your own money. Be advised that there are no up front fees for my services; this will be fully explained during our initial meeting.