Creative Financing covers the many different ways to aquire properties outside of the conventional methods.  Seller carries, escrow hold-backs, investor down payment programs, realtor rebates, assignments, marketing fees, buy low and refinance to cash out with no seasoning lender are all ways to create a better, easier way to finance investment properties.  They sometimes allow for no or little down payment... even a situation where the borrower can walk away from the closing table with more money then what they had before buying the property.  At IPL, we have experience in all of these areas and can tell our clients what is realistic and what is infomercial hype.