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When I got my start in the real estate investing game, it seemed very hard to learn any actual way to buy properties without any money out of my pocket. To say the least, I was discouraged. To save some of our newer members the

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

same frustration, here are 4 tried and true "no money down" real estate investing methods. The Owner Finance

Quite simply put, this is what happens when the owner owns the property free and clear and extends credit to you in t

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

he form of a note and mortgage. If you negotiate the owner finance correctly, you can get into the property with no money down. What's more, if you're really sharp in your negotiations, you can get a pretty nice interest rate as

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

well. The downside of this method is that most owners simply won't do it. There are those who will, but they are a tiny minority among motivated sellers, and even a smaller minority among sellers in general. If you can negotiat

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

an owner finance, good for you! If not, maybe one of these other methods will work better for you.

The "Blanket" Mortgage

The blanket mortgage is one of my least favorite methods, for one simple reason: benefit. The seller ge

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

ts the tax benefits while the investor pays down the mortgage. In a blanket mortgage deal, you (the investor) makes payments to the property owner which exactly match the owner's mortgage/insurance payments. The owner then pays

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

his mortgage & insurance in kind, getting all the benefits of ownership without paying in a dime. Another pitfall of this method is the possibility of a dishonest seller taking an investor's money for 3-4 months until the bank f

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

orecloses, then filing bankruptcy, thereby keeping the house and the investor's money and leaving the bank and the investor in a lurch. You can use this method, but be very careful!

The Partner / Backer

This method can be very

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

lucrative for you and for your partner/backer. Simply, you find someone who wants to invest their cash into your deal, while you invest your time, knowledge, negotiating skills and other efforts. You can split the profit any way

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

you like, and none of the money for a deal comes from you!

The Assumption

Some day people will write songs praising assumable real estate loans. Until then, let me give you a short background on them. An assumable loan is a l

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

oan anyone may assume as long as they meet the lender's qualifications for credit score, employment history, etc. Once upon a time the FHA and VA both offered assumable loans with NO qualifying. All you had to do to assume one o

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

f these loans was fill out a form and send the agency around $50. There are still some FHA/VA assumable loans out there, but not many. On December 1, 1986, the FHA stopped allowing non-qualifying assumptions and on February 29,

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

988, the VA did the same. If you can find an FHA or VA loan issued before these dates, chances are it is still fully assumable without qualifying.

The Lease/Option

My favorite method of property acquisition, the lease/option i

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s both wickedly simple and highly profitable - a combination most investors truly love. In a lease/option, you enter into what is basically a normal lease agreement. The only difference is in the option. An option is just what i

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

t sounds like - it's an option to buy a property at an agreed-upon price within a certain span of time. When you put them together, you end up with a rent-to-own scenario. You pay rent each month, the seller credits a certain am

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ount of the rent toward your purchase price. If you decide to buy the property within the option period, you just give the seller a check and get the deed. If you decide not to buy the property, you've still controlled the prope

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ty for that period of time. Controlling is sometimes better than owning. If you control the property, you don't pay the property taxes. You also don't pay homeowner's insurance. You don't pay renter's insurance, either - your te

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

nant/buyer does. You collect a check once a month, send the seller his share and keep the difference. And each time you put a new tenant/buyer into your property, you collect another option consideration (which is similar to a d

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

own payment but usually smaller and 100% non-refundable). The benefits of lease/options are various and sundry, but for this article, suffice it to say it's a great way to acquire/manage real estate.

Keep in mind that this list

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

is by no means all inclusive. There are literally hundreds of ways to buy or control real estate with none of your own money. These methods should get your creative juices flowing and help you to come up with others on your own

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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