What if you could buy a rental property with a 3% interest rate in today's market? Creative financing can make that possible, but one poorly structured deal could cost you thousands.

In this episode of The Co-Living Show, Miller McSwain and Craig Curelop sit down with Caleb Christopher, real estate investor and owner of Creative Title, to break down how subject-to deals, seller financing, and wraparound mortgages actually work.

Caleb shares how he went from accidental landlord to creative financing specialist, including a deal where he took over a property with a 3.65% mortgage rate and the sellers actually paid him to take it off their hands.

But creative financing isn't just about finding great deals. Caleb explains the risks investors often overlook, how to protect both buyers and sellers, and why doing things ethically matters just as much as making money.

In this episode, you'll learn:

• How subject-to financing works and why investors use it to acquire properties with existing low-interest mortgages
• The differences between subject-to deals, seller financing, and wraparound mortgages
• How Caleb acquired a property with a 3.65% interest rate and almost nothing out of pocket
• What happens when a lender enforces the due-on-sale clause
• How to structure creative deals to reduce risk for both buyers and sellers
• Why creative financing isn't always a zero-money-down strategy
• How combining creative financing with co-living can improve investment returns
• The importance of transparency, ethical negotiations, and having multiple exit strategies

Whether you're buying your first rental or looking to scale your co-living portfolio, this episode offers practical insights into structuring creative real estate deals without exposing yourself to unnecessary risks.

Connect with Caleb Christopher:

Personal website and resources: https://calebchristopher.io

Creative Title: https://creativetitle.io

Connect with the Hosts:

Miller McSwain: https://www.instagram.com/millermcswain/

Craig Curelop: https://www.instagram.com/craigcurelop/

Learn More About Co-Living:

Property Management: https://www.homecrew.co

The Co-Living Book: https://colivingbook.com

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