You might want to rethink how you're buying real estate if you currently use your own money and/or credit. At the end of the day, it's a personal decision. When it comes to real estate investing, it's nobody's place to insist one way is better than another. But if you are using your own money and credit, there will likely come a day when you don't have any more money or credit.

At some point in time, lenders will stop loaning you money to buy real estate if you're using your credit to take out mortage after mortgage as you buy more and more houses. How soon lenders start refusing to loan you more money could be after a few houses or maybe it won't be until you've bought 20 or more but lenders will not loan you an infinite amount of money.

Not only that but you're putting your credit at risk. What are you going to do if you can't make the payments on those mortgages? Tenants do tend to break their leases, not pay their rent, and trash the house before they leave. There's no shortage of investors who have learned this lesson the hard way. Will you be next?

Buying houses "subject to" is what savvy investors do. There are more motivated sellers willing to have you take over their payments to get rid of their problem than you can shake a stick at and there not that difficult to locate. Finding is a simple numbers game. Buying real estate in this manner is using leverage in the form of OPM (other people's money) and you won't even have to deal with lenders anymore.

Buying houses "subject to" has many advantages but perhaps the best reason is that you'll never even have to speak to a loan officer or have your credit checked. Learning to use creative real estate financing techniques has its advantages. Ultimately the financing methods you chose to use are a decision for each individual investor to make but if you want to learn how to buy real estate "subject to" along with many other creative techniques to find motivated sellers, make offers that get accepted, and sell the house quickly you'll be interested in my Real Estate Investing Online Home Study Course.