Ep 020 | Creative Finance Masterclass: Subject-To, Notes & 0% Seller Terms with Avi Rasowski

What if you could get paid three times on one deal—upfront, monthly cash flow, and a big backend? In this episode, Avi Rasowski breaks down exactly how he uses owner financing, subject-to, and notes to turn “hard” leads into high-yield deals. We cover real numbers (like a $14K → $55K flip via terms and a $100K buy → $240K cash exit), how to evaluate spreads with a financial calculator, staying compliant (Dodd-Frank/S.A.F.E. considerations), using trust/lease-option structures, and even borrowing against notes (collateral assignment/hypothecation) to scale without expensive private money.What you’ll learnWhy owner financing can beat wholesaling: down payments ≈ wholesale fees + monthly spread + backend equityThe “infinite return” arbitrage: loan amount, rate, term, payment—how tiny inputs can double your moneyReal case studies: Lancaster, SC $14K buy → $55K sale on terms; Gaffney, SC owner-financed deal that ended in a $240K cash exitCompliance & risk control: ability-to-repay, screening buyers, and trust/lease-option mechanicsAdvanced strategies: securing 0% seller notes against better collateral, effective cost of capital, and borrowing against notesPortfolio building: when to keep vs. sell, handling defaults, and designing forever-cash alongside notesIf you’re into creative finance, seller financing, subject-to deals, private lending, self-directed IRAs, or just squeezing more profit out of “non-bankable” properties, this is a masterclass.👍 If this helped, like & subscribe for more deep-dives from Built for Wealth. Follow along for more content just like this:https://www.instagram.com/joshswart/https://www.facebook.com/joshua.swarthttps://www.tiktok.com/@joshswart3