E41: How Creative Lending Becomes an Investment Strategy for Anyone

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How Creative Lending Becomes an Investment (Real Estate Without Owning Property)

Most people think investing in real estate means buying more houses.
In this episode of The Broke Millionaires Podcast, Joshua and Lauryn break down why creative lending itself can be the investment — and how stepping into the role of the lender can create cash flow, reduce risk, and unlock deals traditional financing can’t.

The conversation starts by explaining why the financial system rewards owners over employees, and how inflation quietly destroys savings. But around the 12-minute mark, the focus shifts to creative real estate lending strategies — including seller financing, private notes, and hybrid deal structures — and why these strategies are becoming more powerful in today’s market.

Instead of managing tenants, renovations, or operations, creative lenders can earn returns by structuring deals correctly and using real estate as collateral. This episode walks through how everyday investors can think like banks, solve problems for sellers, and get paid for flexibility.

In this episode, you’ll learn:

What creative lending really means in real estate

How private lending and seller financing work

Why being the lender can mean more control and less stress

The difference between owning property vs. owning the note

How creative lending performs in high-interest or uncertain markets

Why cash flow and structure matter more than appreciation

How families can use lending as part of a long-term wealth plan

This episode is for investors who want exposure to real estate without buying another property, and for anyone looking to build wealth using strategy instead of speculation.

👇 Comment below:
Would you rather own the property — or be the bank?

Resources & Next Steps

If you want to learn how we evaluate creative lending deals and integrate them into a family-focused wealth strategy, check out the Legacy Wealth Builder community or book a discovery call to see if it’s a fit.

👍 Like, subscribe, and share this episode with someone who thinks real estate investing only means owning more doors.

We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit [email protected]

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