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The world has endless possibilities, and being able to invest in real estate without having any money is definitely one of them. Surprised to hear this? Well, we have got a detailed guide to help you get started.

A little brushing up of knowledge, understanding and a dash of cleverness will produce good results for you. It might sound evil, but it is completely legal and fair! So, the misconception surrounding ‘Do I need money to invest in real estate?’ can be answered with ‘No.’

Read till the end, so you don’t miss out on anything of value. Then apply what you learn, and see how the cash floods into your bank account. Well, we hope so!

How to Invest In Real Estate Without Any Money



To start your journey, you must possess knowledge, understanding, and awareness regarding available financing options and possibilities. These may vary across countries and regions, so doing research at the start will help you go a long way.

We have outlined few options that will enable you to invest in real estate without your own money. So, let’s help you kickstart your journey as a real estate investor.

Hard Money Lenders

Hard money lenders are groups of people or private individuals who lend their money to real estate investors. It’s definitely a good option that you can consider. In return, these hard money lenders will charge the investors a certain percentage on the borrowed amount added with interest rates. Also, this way you get to avoid a boring trip to the bank!

Seller Financing

Another name for seller financing is owner financing. Seller financing refers to the entire process where the seller of the real estate property handles the mortgage process and not the bank. The buyer and seller sign the mortgage agreement in which they decide interest rate, repayment schedules, and penalty of default. In simple terms, your usual mortgage procedure has been simplified.


Microloans are small loans granted by individuals or organizations with the aim of promoting startups. Although the loan being offered is smaller than what is offered by formal institutions, you can still use it to gear your goal of investing in real estate with no money. After all, a startup and real estate investment both have the same motive-of profit!

Forming Equity Partnerships

A very common and sought-after method for investing in real estate is forming partnerships. If an investor doesn’t have any money, he can find someone to partner with who has the financial resources. In return, the person with no money can work on discovering a cheap property on sale. When both investors bring something to the table, they can form a joint-equity partnership. However, different partnerships might have different agreements, epecially in terms of the percentage of ownership.


Wholesaling doesn’t exactly come under-investing in real estate. However, it does involve the entire process of it. You can find discounted properties and refer those to potential buyers. In return, you get to charge your commission fee. This process will enable you to get in the game, play it, and learn! It’s one of the best options if you’re a newbie who needs experience.

Government Loans

Government loans such as FHA and USDA loans are a common and easy source of investing in real estate. They don’t have strict credit requirements and offer low-interest rates. However, they have a lot of disadvantages; they are met with a lot of limitations. Also, you might be required to live there, which is something you would want to consider before going for this option.

Lease Option

Another usual way to invest in real estate without money is through the lease option. A lease option is an agreement that allows renter to purchase the rented property. The renter can purchase the property either during, or at the end of the rental period. This can apply to both residential and commercial properties. In layman’s terms, you get to rent a property with a higher rental price until you become the owner yourself. Easy, no?

Final Thoughts

Having no money shouldn’t stop you from chasing your dreams. We hope we have helped clear your confusion regarding this subject. Explore and understand the above-mentioned financing options, and choose the one that suits you the best. Always remember, “where there is a will, there’s a way!”



Want to learn the real facts about finding,fixing,and flipping properties and how you can get started? I took my years of experience…years of me just figuring it out and put together what works and how you can get started from absolutely nothing all into one book…just for you!

If you want a quick easy way to learn everything you need to know about flipping properties and breaking into real estate…this is the book for you. 

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