Creative Financing Without Personal Guarantees: Chris Prefontaine on Sub-2, Lease Purchases, and Owner Financing

On this episode of the Deal Farm Podcast, Chris Prefontaine, a four-time bestselling author and three-time Inc. 5000 honoree, shares how he rebuilt after the 2008 crash using creative financing instead of bank loans. He breaks down his "three paydays" system and explains how lease purchases, subject-to deals, and principal-only owner financing let investors buy with little money down and no personal guarantees. Chris also covers how proper paperwork, including a trust structure under Garn-St. Germain, protects against due-on-sale risk. It's a practical listen for anyone looking to do more deals without relying on banks.