Buying an with no money down is a popular strategy for real estate investors looking to scale quickly without tying up their own cash. While "no money down" sounds like a magic trick, it actually involves using creative financing to cover the typical 20–25% down payment required by traditional lenders . Common Strategies for Zero-Down Deals

You can use a short-term hard money loan to cover the purchase and renovations. Once the building is renovated and occupied (increasing its value), you refinance into a long-term commercial mortgage. If the new appraisal is high enough, the new loan pays off the hard money lender entirely. The Trade-Offs

This is the "holy grail" of no-money-down deals. Instead of a bank, the property owner acts as the lender. You negotiate a deal where you pay the seller monthly installments (plus interest) until the building is paid off. Since the seller sets the terms, you can often negotiate a 0% down payment if the seller is motivated to offload the property or avoid a large capital gains tax hit all at once.