House Keys in Front Door Lock

5 Fantastic Ways to Invest in Property With a Low Budget

When we talk about real estate investment, the first thing that comes to our mind that ‘it needs lots of money to buy a property’.

As a result, people with a low budget do not consider this option.

What if I tell you that you can easily invest in real estate with a low budget?

Property investment is considered as one of the safest and most profitable ways to invest.

Many times, people buy a property for rental purposes, or they hold the property and wait until its value increases to then sell on.

If you have money to make a down payment, then it is fairly straightforward.

However if you don’t, then there are other ways by which you can invest in a property.

Let’s check out some great tips on how to invest in property with less money:

Lease a Property with an Option to Buy

If you do not have any savings to make a down payment on a mortgage, then you could make payments on a lease agreement.

You can keep making these payments until the time you have adequate funds to purchase the property.

If you are leasing the property, check the agreement thoroughly.

Check the final purchase price of the property and then ensure all rental payments are going to be deducted from the purchase price, and this is clearly stated in the legal agreement.

Seller Financing

If you want to invest in a property but have no or very little money, then opting for seller financing is a great option.

You need to check with the seller they are ready to sell you the property with seller financing terms.

Seller financing is just like taking a loan.

The only difference here is that you take a loan from the seller instead of a mortgage from a bank.

In this case, having strong negotiation skills could get you a very good deal.

Talk to the seller and find out what are their expectations as far as the loan repayments are concerned.

You could opt for monthly instalments over 10-15 years without paying any down payment.

That way, you can buy the property without worrying about paying a substantial initial amount.

Business Partners Shaking Hands
Finding an Equity Partner Can Be a Great Way to Buying Investment Property

Find an Equity Partner

If you do not have enough money to pay a deposit on a house, then buying a property with a suitable partner can be quite a beneficial route to take.

Real estate is a lucrative industry. Many investors are ready to put their money into real estate but don’t want the hassle of managing the property.

If you can prove to them how good you are at property management, it could be the perfect business partnership.

If they’re convinced, they can be your funding partner via a share equity arrangement whilst you take care of day-to-day management issues.

But make sure you are both 100% clear about the role of each partner.

You need to work on partnership terms and put them in writing.

Your partner provides the funds to buy the property, and you take care of the management aspect of the property.

This includes rehab work, finding a good buyer, and finally selling off the property.

Once the property is sold, you simply split the profit with your equity partner.

If you are not a part of any investor community, then finding an equity partner may prove difficult.

In such a case, you could contact an experienced real estate agent instead.

Being a part of the industry, they will have in-depth knowledge about this process.

The right agent would not only help you to find an equity partner, but would also help you in buying and selling off the property.

Hard Cash or Private Loans

If you have a low budget and want to invest in property, then taking money from hard money lenders is another option.

Hard money lenders have lesser rules and regulations compared to banks.

The only catch is that the interest rates charged by them can be extremely high.

You could even opt for a private loan.

In this case, you take a loan from your friend or a relative.

The best part about such a loan is that you can negotiate with them and work out the best possible deal for all involved.

Money Savings & Calculator
Savings for a Down Payment are Vital to Buying Property

Take Over Mortgage Payments

Finally, if you have a property in mind that you’d love to own but don’t have enough funds, then you could opt for taking over the mortgage payments.

But before closing the deal, you need to check if there is any other existing loan made against the property that you would become liable for.


As you can see, even if you have very little capital at your disposal, there are still numerous alternative ways to buying a property in today’s market.

With a little ingenuity and creative thinking, you can acquire the necessary finances to buy a property to own for yourself or flip and sell on for profit.

You just have to explore all the options and find one that works for you.