Getting started in real estate doesn’t always mean big money or dealing with banks. Many new investors are using creative real estate strategies to buy properties with little money down. One smart method is called seller financing, and it’s helping people grow their income without taking on traditional loans.
In this blog, we’ll explore how seller financing works, how real estate investor Maximilian Dier used it to build his business, and how you can start investing—even if you don’t have perfect credit or a lot of cash.
What Is Seller Financing in Real Estate?
Seller financing is when the seller acts like a lender. Instead of using a bank loan, the buyer pays the seller directly in monthly installments. This helps avoid loan approval stress and gives both sides more control over the deal.
This method is perfect for investors who want to learn how to invest in real estate with little money and avoid traditional mortgage requirements.
Maximilian Dier’s Real Estate Journey Without a Bank
Starting Small in College
Max, an investor based in Dallas, Texas, began investing while still in college. He bought his first property, fixed it up, and rented the rooms to other students. This gave him a way to cover living expenses and earn monthly income.
Learning Creative Investment Strategies Early
This first project showed Max the value of alternative real estate financing and opened the door to smarter, low-cost investment options.
Real Example: How Seller Financing Worked for Max
In one deal, Max bought a property for $150,000 using seller financing. He only paid $13,000 down and got a 0% interest rate. That property now earns him $1,500 in rent each month—great cash flow from a low upfront investment.
This is a great example of real estate investment strategies that don’t require huge savings.
Watch this short video where Max breaks down exactly how seller financing helped him build his real estate portfolio—without using a bank loan.
How to Use Seller Financing to Buy Property
1. Find Motivated Sellers
Look for sellers who are ready to move on quickly. They might be tired of managing the property or want a steady monthly income instead of a lump sum.
2. Offer Monthly Payments Instead of a Big Check
Sellers often prefer reliable income over a large one-time payment. This can help you build a deal that works for both sides.
3. Keep the Terms Simple
Use clear, simple payment terms that make sense. Talk about the monthly payment—not just interest rates.
4. Make Sure the Deal Cash Flows
The rent you collect should cover all costs and still give you profit. That’s how you build long-term income.
Why Seller Financing Is a Smart Real Estate Strategy
Here’s why more investors are using seller financing real estate deals:
- No bank loan needed
- Smaller down payments
- Quicker closing process
- Good for people with low credit or little savings
If you're looking for how to buy a home without a mortgage, this is a great option.
Real Estate Investing Tips for Beginners
Learn from Other Investors
Join local groups, online forums, or attend meetups. Talking to others can lead to new deals and better ideas.
Try More Creative Real Estate Investing Options
Besides seller financing, learn about lease options, subject-to-deals, and private lending. The more tools you have, the better your chances of success.
Watch the Market
Even small properties can grow in value. Keep up with local trends and property values.
The Mindset Behind Smart Investing
Max says it’s not just about knowing the numbers—it’s about being consistent. Stay curious, use tools like DealMachine to find deals, and keep learning. That’s what separates successful investors from those who give up early.
“Partner with people who share your vision and stay open to creative ideas,” he says.
Conclusion: Build Wealth Without Relying on a Bank
Seller financing is a powerful way to grow your income and start real estate investing—even if you don’t have a big budget or perfect credit. With smart planning and creative strategies, you can get into real estate, build cash flow, and create long-term wealth.
Follow Max’s example: start small, learn from every deal, and don’t be afraid to try something different. With the right mindset and tools, you can succeed in real estate on your terms.
