: Buy, Rehab, Rent, Refinance, Repeat. You use short-term financing (like hard money) to buy and fix a property, then refinance with a bank to pull your original capital back out.
Critics note that "no money down" rarely means "no money involved"—you still need reserves for repairs, vacancies, and closing costs. Lenders often view these deals as high-risk because the borrower has no "skin in the game," which can lead to higher default rates. Success typically requires finding or motivated sellers that allow for creative deal structures. How To Buy Rental Property With No Money Down In 2026
: No-money-down deals often carry higher interest rates or less favorable terms. Expert Verdict buying income property with no money down
: The seller acts as the bank, allowing you to make payments directly to them, often with flexible or zero down payment terms.
: Enter the market without exhausting personal savings. : Buy, Rehab, Rent, Refinance, Repeat
: Bringing in a co-borrower or silent partner who provides the capital while you provide the "sweat equity" by finding and managing the deal. Pros and Cons Pros Cons
: Using a Home Equity Line of Credit (HELOC) or a cash-out refinance from your primary residence to fund the down payment on an investment property. Lenders often view these deals as high-risk because
: High interest and loan balances may exceed monthly rental income.