EP. 162: DTI Too High? Here’s How to Buy Real Estate Anyway (No Banks Needed!)

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The banks said no.

The underwriters said your DTI is too high.

But investors like us? We’re still buying homes—with $0 down and no credit checks.

In this episode of Creative Finance Playbook, Jenn & Joe Della Fave break down how everyday investors are buying homes, building portfolios, and creating financial freedom — without banks, without credit, and without massive capital.

You’ll learn how to structure creative finance deals using Seller Financing, Subject-To, Lease Options, and Wrap Mortgages — done ethically, legally, and profitably in today’s market.

Hear real-life stories of investors replacing traditional loans with strategies that create monthly cash flow, long-term wealth, and total financial freedom — even in high-interest-rate environments.

If you’re ready to buy your next property with $0 down and finally escape the bank-dependent system, this episode is for you.

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DISCLAIMER

We’re Jenn and Joe Delle Fave, here to share our real estate journey. While we’re not CPAs, lawyers, or financial advisors, we are experienced full-time investors who love sharing what we've learned. Always consult professionals before making major financial decisions. Our goal is to inspire, guide, and help you take control of your financial future!