8 Ways To Start Real Estate Business With No Money

January 10, 2024by FIPS Multilinks

Investing in real estate has long been considered a path to financial success, but what if you don’t have a hefty sum of money to get started?

Fear not, aspiring investor! In this guide, we’ll explore creative and practical ways to dip your toes into the world of real estate with minimal funds. You read it right: you can invest in real estate with little to no money.

I know you were in doubt if the title of this article is just a click bate to make you click, because how can it be possible to invest in real estate without money, but I’m assuring you that this content is real, In this article you’ll learn a few things about how to start investing in real estate without having to spend hundreds of millions not even hundreds of thousands. 

Investment Experts have proven that there are creative ways to invest in real estate with little or no money

Any property that is acquired yields money in two ways, either through appreciation in the market value of the property or through rental income and this is what is considered to be an investment in real estate.

In the world of real estate, there is no such thing as a down payment without funding because funding is required in real estate. Now to invest in real estate without spending money requires you to recognize, comprehend and even take advantage of other people’s money.

It is common knowledge that everyone wants to own a piece of the earth, if you ask 20 adults today if they would like to become land owners or own more land in addition to what they already have, ninety-eight per cent of them would say yes, but owning real estate ends up been a mere dream for many, this is because many believe that real estate investment is capital intensive and that real estate investment is only a business for the rich, but as mentioned earlier in this article we will be going through some of the creative ways that has been proven by investment experts on how you can invest in real estate with little or no money, let’s examine them.

Leverage the Power of Networking

Real estate partnerships are common for investing in real estate with little or no money, When your pockets aren’t overflowing with cash, your network becomes a valuable asset. Networking within the real estate community can open doors to opportunities you might not discover otherwise. Attend local meetups, join online forums, and connect with experienced investors. Building relationships can lead to partnerships, joint ventures, or even mentorships, providing you access to valuable resources without a significant financial commitment. 

Fractional Home Investment

In this option, the seller of the property acts as the lender and allows you to make payments on the property over time. The investor buys the property from the seller/homeowner instead of a bank, and they both sign a contract specifying the interest rate, the new repayment plan, and the repercussions of default.

Explore Government Programs

Certain government programs and grants support real estate investment, especially those aimed at community development and revitalization. Research local and federal initiatives that provide financial assistance or tax incentives for property investors. Participating in such programs can significantly reduce your initial financial burden.

Sweat Equity

Put your skills to good use by investing sweat equity into a property. If you have construction, renovation, or landscaping skills, consider finding a distressed property, negotiating a favourable deal, and using your expertise to enhance its value. The increased property value can then be leveraged for financing or a profitable resale.

Option To Buy

Sometimes referred to as a “lease-option,” this method allows investors to acquire properties without initially taking legal ownership. However, the investor will sign a legal “option to buy” from the homeowner at a specific price in the future. In return, the investor rents the property out on a long-term basis with an agreement in place to purchase the property at a later date for a previously set amount.

Hard Money Lenders

When traditional lenders turn you away due to a lack of substantial capital or credit history, hard money lenders might be a viable alternative. These private lenders typically offer short-term loans with higher interest rates, using the property as collateral. While this method involves higher costs, it can provide the necessary financing to acquire a property and initiate your real estate journey

Real Estate Crowd funding

With real estate crowdfunding, many people pool their money to invest in a property, like an apartment building or a shopping centre. It’s like being part of a team where everyone gets a share of the profits or the fun of owning that awesome building. So, instead of owning a whole property by yourself, you get to join a friendly group and share in the adventure of real estate ownership!


Wholesaling is a real estate investment strategy that requires minimal capital but demands a keen understanding of market trends. As a wholesaler, your role is to identify distressed properties, negotiate a favourable purchase price with the owner, and then sell the property to an interested buyer for a higher price. The profit from the transaction is your cut. This method allows you to participate in real estate transactions without personally financing the property.


Embarking on a real estate investment journey with little to no money requires creativity, resourcefulness, and a willingness to explore unconventional strategies. While these approaches offer pathways to real estate success, it’s crucial to conduct thorough research, seek advice from experienced investors, and remain diligent throughout the process.

Remember, the key to successful real estate investment isn’t always a fat wallet but a combination of strategic thinking, networking, and seizing the right opportunities. So, put on your investor hat, stay curious, and let the exciting world of real estate unfold before you, one no-money-down strategy at a time! Happy investing

Author: Moses Adewale Gbadamosi

Notification of survey price increase by Lagos state Government

Due to the recent increase in NIS Survey Fees by the Lagos State Government, FIPS Multilinks Limited will be modifying survey fees for our Lagos properties accordingly.

Kindly note that this adjustment also affects outstanding payments, and all pending statutory fees will now align with the updated rates.

Your prompt cooperation is greatly appreciated. Thank you for your understanding.