Deals Others Walk Away From: Creative Finance Strategies With Uncle Lanza of Subto

Most investors walk when a deal gets complicated. Vincent Lanza walks toward it. Known as Uncle Lanza in Pace Morby's Subto community, Vincent has been doing creative finance deals in one of the hardest real estate markets in the country since 2019. In this episode he breaks down how he structures hybrid deals others can't touch, handles sellers who pass away mid-close and mentors complete beginners to their first $20K deal.What we cover:The hybrid deal: combining subject-to and seller finance to acquire a $400K hoarder house with almost no cashHow he structured $200K in seller equity with zero payments until saleThe deal where the seller passed away on closing day and what they did nextSolar liens, tax liens and the title company that blew up a deal at the last minuteHow he went from student to one of Subto's most trusted leadersWhat makes San Francisco one of the hardest and most rewarding markets to invest inThe Lanza method: how he mentors beginners from zero to their first dealThe one mistake that keeps most people stuck in creative financeWhy taking action beats having all the answers every timeHow to join his free weekly deal review callAbout Vincent Lanza:Vincent is the CEO of Verity Property Investors and founder of Lanza Partners. He was one of the first members of Pace Morby's Subto community and is known as Uncle Lanza for his leadership mentorship and deal teaching. He operates across California, Tennessee, North Carolina and Texas.Chapters:00:04 - Intro + who Uncle Lanza is01:06 - One of the first Subto members: how he found Pace at a Fresno meetup03:19 - COVID hits and why creative finance made sense in San Francisco04:46 - Entrepreneurial roots: his dad left Bell Labs for a Silicon Valley startup08:03 - How real estate entered the picture: from CD-ROMs to wholesaling10:39 - Why Kevin O'Leary brought them into real estate in 201914:55 - From student to Uncle Lanza: how he stepped into leadership17:52 - The Lanza method explained simply18:23 - The hybrid deal: hoarder house squatters sub-to and seller finance23:07 - Getting the seller to carry $200K with no payments until sale26:36 - The seller passed away on closing day: what happened next30:43 - Lanza Partners: building a full team around the business33:11 - Building a business with your spouse for 40 years37:27 - Deal that nearly broke them: solar liens tax liens and a bad title company42:09 - The moral dilemma: walk away or close anyway?45:33 - How they saved the deal by going back to the hard money lender50:11 - Why having your property in a trust matters more than most people realize51:50 - What most investors from cheaper markets misunderstand about San Francisco55:33 - California pros and cons: wholesaling landlord laws and co-living57:14 - Watching a beginner go from zero to $20K on his first deal1:02:04 - The one mistake that keeps people stuck in creative finance1:07:38 - Where to find Vincent and the free weekly deal call🔧 Tools & Resources 🔧Some links may be affiliate partnerships.🤝 Uncle Lanza free weekly call: lanzapartners.com/Vincent💸 Deal Funding 360: app.dealfunding360.com/?ref=EdgarSalgado💤 Eight Sleep: https://refer.eight.sl/edgardsalgado🏢 Prime Corporate Services: https://primecorporateservices.com/?_...🏦 Foundational Funding: https://foundationalfunding.com/fundi...🛠️ Edgar's tools: https://linktr.ee/EdgartheConnector🔌 Don't forget to 👍 like, 💬 comment, 🔔 subscribe and share!Instagram: @edgartheconnector | TikTok: @edgarsrei🚧 DISCLAIMER 🚧Not a CPA, attorney, insurance, contractor, lender, or financial advisor. Content is not tax, legal, financial or other professional advice. For entertainment purposes ONLY.