John Collins is on a mission to help renters break the rent cycle and achieve homeownership with little to no money down. With nearly four decades of experience in real estate and sales, John found his true calling in homebuyer education, teaching everyday renters how to use grants and down payment assistance programs to buy homes they never thought were possible. Through his initiative, Own The Roof, he’s helped thousands of families move from renting to owning by closing the “possibility gap” and showing that you don’t need perfect credit, 20% down, or insider knowledge—just the right strategy. John now reaches renters nationwide through free webinars, practical education, and tools like NoDownPayment.app, where you can search over 2,500 homebuyer assistance programs available across the U.S.

In this episode, you will be able to learn:

• How renters can qualify for zero-down homeownership using down payment assistance (DPA) programs and grants.
• Where to find over 2,500 nat...

When it comes to real estate investing, many people assume they need significant capital or perfect credit to get started. However, in a recent REL Freedom Podcast interview with Jenn and Joe Delle Fave, they have proven that creative financing can be a game-changer in building wealth without traditional bank loans.

As hosts of the Creative Finance Playbook podcast, they’ve mastered strategies that allow them to acquire properties with little to no money down while creating win-win situations for sellers.

1. Seller Financing: A Win-Win Approach

One of the most powerful tools in creative financing is seller financing, where the seller acts as the bank. Instead of securing a loan from a traditional lender, investors negotiate payment terms directly with the seller.

• This method allows investors to purchase properties without stringent credit checks or large down payments.

• Sellers benefit by earning interest and securing a steady income stream rather than receiving a lum

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