Creative Equity Enterprises

   Financing the Old Fashion Way......  Works Every Time!   .....Even by Stopping Foreclosures...Uh. Huh!

       Let us show you how to Buy or Sell" Real Estate with the "Hidden Bank"


Wow! I Didn't Know Until I Met An Expert

My Education in Private Financing with Frank P.


 Farmers Did This All The Time?

I Why go to a bank ? You don't need a conventional lender!

Frank P. opened up an extraordinary world of Creative Financing and its incredible flexibility.

Before your eyes glaze over and you stop reading, listen to FP's story about a farmer, who needed money to buy seed to sow in his fields, grow the crop, sell the produce and make a profit.

“Having no cash available to buy seed, he measured a piece of his farm property and offered to sethell it for $10,000. A neighbor agreed to buy  property if he could buy the property "on time". That's what the farmer wanted. So, the farmer agreed to "finance the deal" using the market value of his lot . This is the "Hidden Bank" the "cash" your "ownership" is worth to a buyer.

Between the farmer and his friend, they created an IOU or Promissory Note            (exactly what a "bank" does), which is a promise to pay over a certain period of time with interest (a mortgage). After signing the "Note" , the farmer's friend legally owned the property (with a lien owned by the farmer, exactly like the bank does) and began building a new home.

The farmer  invested in debt by becoming the "bank" and receiving payments with interest.”  Sounds weird, unconventional, right? But,  now that "debt" is also an "asset"?

 Debt Instrument (A Note) is "A Negotiable Asset"

With no real cash out of his pocket, the farmer had turned one type of asset, land,  into another, a promissory note and mortgage secured by the land. This asset  would now provide monthly income (principle and interest) for the life of the loan.(Until the buyer paid the full price)

 But that was not the farmer's plan; remember, he wanted to seed his fields. So, he went to the nearest “Note Broker” (People who buy Promissory Notes) and sold the note for about $8,500.  The farmer paid cash for seed and planted a crop which he then harvested the next Fall. He sold the crop for $15,000, a $6,500 profit over the cost of the seed. Incredible!