How To Get Into Property Investment With No Money

Many people aspire to invest in real estate, only to be hindered by the lack of funds. But while it’s certainly easy to do this when one is flush with cash, buying property with little or no money is still possible. Besides some creativity and a little more time, all you will need is to familiarize yourself with strategies on how to get into property investment with no money.


Money is just one piece of the puzzle that is successful real estate investment. This, coupled with the fact that very few people have all the required pieces, is why partnerships are so common in real estate investing. Your ability to find a good partner will depend on what you can bring to the table.

So take an inventory of the ‘puzzle pieces’ you currently have, and try to polish your skills. From time, experience and contacts to great remodeling skills, you could make up for your lack of funds with many different puzzle pieces. So use your networks to find other individuals who have the missing piece in your strategy, and form partnerships with them. Of course, it’s important to do your homework and vet your partners before taking the plunge.


Here, the seller agrees to fund the property so that you don’t have to seek out a new loan. For instance, they could agree to let you pay in monthly installments till the property is paid off, or the terms of the contract expire. Seller-financing has become increasingly popular over recent times, as it allows older rental property owners to get out of the game without losing their monthly income.

The arrangements are often for a short term, with a lump sum payment due at the end of the contract period. The idea here is that the buyer will have the ability to refinance before the term expires. Obviously, finding sellers who are willing to finance the properties will require a good deal of effort from you. But if you’re lucky, you may find one who’s willing to offer friendly loan terms.

Use Hard Money

Hard money lenders are private individuals or businesses who offer funds to real estate investors, albeit at high interest rates. The loan period is usually less than 2 years. Typical hard money lenders tend to be former investors who moved on to the more passive method of offering loans.

Due to the strict terms, hard money is suitable for individuals looking for quick deals. If the deal is good enough, you may be allowed to borrow 100% of the purchase price, and possibly even the cost of repairs. What most lenders really care about is the security in the deal; they want to know that they will make money, no matter what happens. So keep your expectations realistic, since most potential lenders will be conservative on their terms.

Just because you’re broke doesn’t mean you can’t invest in real estate. As you can see, there are plenty of ways on how to get into property investment with no money. If you’re resourceful and strive to find great deals, the lack of cash flow will be just but a slight bump on your way to success.

Ready to start investing? Click here to read this free guide to help you find the best deals online.

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