6 Ways To Get Into Property With No Money

6 Ways To Get Into Property With No Money

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Entering the property market can seem like a big challenge, especially if you don’t have much money to start with. However, there are clever ways to get involved in property investing without a large financial investment. 

This article explores six practical approaches to help you break into the property market, even if your pockets aren’t deep. From innovative financing options to leveraging existing assets, these methods are designed to help you make your first steps into real estate.


Wholesaling is a way to make money on property without buying it. You find a property for sale, get it under contract, and then pass the contract to someone else for a price. This is good because you don’t need to buy the property yourself. 

You can make money from the difference in price between what you get it for and what you sell it for. But remember, it’s not easy. You need to work hard to find good deals and understand property prices. It’s a good start for getting into the property with little money​​.

Airbnb Rentals: 

Airbnb rentals are a great way to start in property with little money. You can rent out your home, or part of it, for short periods. This can bring in extra money. Many people like using their own home for Airbnb because it’s easy and doesn’t cost much to start. You can make it into a full business if you want. It’s a smart way to use your home to earn money and get into real estate investing​​.

Seller Financing: 

Seller financing is when the person selling the property lets you pay them over time, instead of getting a loan from a bank. This can be a good option if you need money for a big deposit. You and the seller agree on how much you will pay each month and other details like the interest rate. 

Sometimes, you might not have to pay a down payment, especially if the property needs fixing. This method can help you buy property without much money upfront​​​​.

Equity Partnerships: 

Equity partnerships are when two or more people team up to invest in property. In this, one person might find a property that needs work, while the other person uses their money to help buy it. It’s important that everyone involved knows what they are doing and agrees on things like money and roles. 

This way of investing is good if you understand property but don’t have much money. You can join with someone who has money but maybe doesn’t know much about property​​.

Convert Residence Into Rental:

Converting your current home into a rental property is another way to get into property without much money. If you already have a home, you can rent it out and then buy a new place to live. This is often easier than buying a new rental property because the deposit you need is usually less. 

By renting out your home, you can start making money from property. This can be a good step to start building your property portfolio without needing a lot of money upfront​​.

Borrowing Money or Shared Ownership

Borrowing money from friends and family can help you start in property. This way, you can agree on how to pay back the money in a way that suits both of you. 

For example, you might pay less interest than with a bank loan. It’s important to be clear and honest about how you will use the money and pay it back. 

Another way is shared ownership. The Shared Ownership Scheme helps first time buyers who can’t afford to buy a home in the regular way. This scheme allows multiple people to buy shares in the property, and then eventually pay rent on the remaining share. 

Important Points to Remember:

  • In real estate, everything is negotiable. Understand the terms and work towards a deal that benefits you.

  • Building trust and credibility is crucial, especially when dealing with private lenders or partners.

  • Do your research and be aware of the risks involved in each method.


Getting into the property with no money is challenging but possible. It requires creativity, research, and a willingness to explore unconventional methods. Whether through wholesaling, Airbnb rentals, seller financing, partnerships, converting your residence, or borrowing from friends and family, each approach offers a unique path to enter the real estate market. 

Remember, success in real estate often comes from understanding the market, building strong relationships, and being adaptable to various investment strategies.