In this episode of the Profit First for Real Estate Investing podcast, I sit down with the legendary Lou Brown—real estate investor, educator, and creative financing pioneer with over 40 years in the business. Lou shares how he’s completed over 1,000 transactions without ever qualifying for a bank loan and how everyday investors can do the same.

We dive into creative acquisition strategies, the power of seller financing, and why professionalism and credibility win more deals than just offering the highest price. Lou also breaks down his “buy, hold, sell” philosophy and explains how trusts can protect everything you build. If you want to buy properties without banks, create cash flow, and actually keep what you earn, this episode is packed with gold.

Episode Highlights

[0:00] – Introduction

[2:10] – Lou’s 40+ year journey and teaching investors since the 1980s

[3:28] – Why he never goes to banks and how he structures deals creatively

[6:05] – How to walk into a seller’s home with credibility and win deals

[8:10] – Why sellers often choose professionalism over the highest offer

[12:03] – The 37 ways Lou can structure a creative transaction

[15:02] – How sellers help fill out the cost-to-sell worksheet

[18:03] – Why education wins in competitive markets

[20:41] – Millionaire Jumpstart and Lou’s weekly live coaching access

[24:17] – Transitioning from landlord headaches to a “path to homeownership” model

[25:48] – The Garn–St. Germain Act and discovering the power of trusts

[27:04] – How to protect every asset you own using separate trusts

5 Key Takeaways

1. You don’t need banks to buy real estate. Creative financing and seller cooperation can replace traditional lending.
2. Professionalism wins deals. A structured presentation and credibility package separates you from competitors.
3. There’s always another offer structure. If sellers reject cash, there are multiple creative options to increase value for both parties.
4. Sell while you hold, hold while you sell. Lou’s slow-flip strategy creates cash now, cash flow, and long-term wealth.
5. Protect what you build. Trust structures can shield assets and prevent one liability from infecting everything else you own.

Links & Resources

• Buy, Hold, Sell Book: https://streetsmartinvestor.com/bhsbook
• Millionaire Jumpstart Training: https://millionairejumpstart.com
• Learn more about Profit First for real estate investors: https://www.simplecfo.com

If this episode gave you a new perspective on buying creatively and protecting your wealth, make sure to rate, follow, and review the podcast. And share it with an investor who needs to learn how to buy without banks and keep more of what they earn.