How To Build A Real Estate Portfolio Without Cash
Thu Feb 05 2026
In this episode, Anderson attorney Clint Coons, Esq., sits down with real estate investor Gabriel Hamel to explore creative financing strategies for building wealth without traditional bank loans. Gabriel shares his inspiring journey from working minimum wage after military service to acquiring nearly 400 properties using seller financing and no-money-down techniques. They discuss how to structure creative deals, overcome the misconceptions about creative financing, the importance of cash flow over appreciation, and strategies for analyzing deals that work in any market. Gabriel also explains the power of building relationships, finding motivated sellers, and creating win-win scenarios that benefit both buyers and sellers. Clint and Gabriel emphasize the importance of taking action, getting involved in investment communities, and pursuing time freedom through real estate investing. Tune in to learn how you can start building your real estate portfolio even if you have little to no cash!
Gabriel Hamel joined the military at 17 and deployed to Iraq in 2003-2004. After returning home, he found himself working 30 hours a week at minimum wage with dreams of financial freedom. When the 2008 financial crisis eliminated traditional lending options, Gabriel discovered creative financing and seller financing strategies. Starting in 2009 with his first no-money-down deal, he systematically replaced his minimum-wage income and eventually built a $60M portfolio of nearly 400 properties. Today, Gabriel co-hosts the Zero to 100 Real Estate Podcast, helping investors build wealth designed around freedom, family, and choice.
Highlights/Topics:
(00:00) - Introduction to Creative Financing with Gabriel Hamel
(02:08) - First Properties and the 2005-2007 House Hacking Strategy
(06:08) - The 2008 Financial Crisis: When Banks Said No
(07:38) - Debunking Creative Financing Myths and Misconceptions
(10:08) - Finding Motivated Sellers and Structuring Win-Win Deals
(20:15) - Cash Flow vs. Appreciation: Building Sustainable Wealth
(30:45) - Analyzing Deals and Making Offers That Work
(42:49) - The Zero to 100 Tribe: Community and Time Freedom
(45:46) - Taking Action: Final Advice for Aspiring Investors
Resources:
Connect with Gabriel 👇
http://www.zeroto100tribe.com/
https://www.instagram.com/the_real_gabriel_hamel
https://podcasts.apple.com/us/podcast/the-zero-to-100-real-estate-podcast/id1745322778
Schedule Your FREE Consultation
https://aba.link/0qx
Tax and Asset Protection Events
https://aba.link/2f2856
Anderson Advisors
https://andersonadvisors.com/
Anderson Advisors Podcast
https://andersonadvisors.com/podcast/
Clint Coons YouTube
https://www.youtube.com/channel/UC5GX-U6VbvMkhSM1ONBiW8w
Anderson Advisors Tax Planning Appointment
https://andersonadvisors.com/ss/
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In this episode, Anderson attorney Clint Coons, Esq., sits down with real estate investor Gabriel Hamel to explore creative financing strategies for building wealth without traditional bank loans. Gabriel shares his inspiring journey from working minimum wage after military service to acquiring nearly 400 properties using seller financing and no-money-down techniques. They discuss how to structure creative deals, overcome the misconceptions about creative financing, the importance of cash flow over appreciation, and strategies for analyzing deals that work in any market. Gabriel also explains the power of building relationships, finding motivated sellers, and creating win-win scenarios that benefit both buyers and sellers. Clint and Gabriel emphasize the importance of taking action, getting involved in investment communities, and pursuing time freedom through real estate investing. Tune in to learn how you can start building your real estate portfolio even if you have little to no cash! Gabriel Hamel joined the military at 17 and deployed to Iraq in 2003-2004. After returning home, he found himself working 30 hours a week at minimum wage with dreams of financial freedom. When the 2008 financial crisis eliminated traditional lending options, Gabriel discovered creative financing and seller financing strategies. Starting in 2009 with his first no-money-down deal, he systematically replaced his minimum-wage income and eventually built a $60M portfolio of nearly 400 properties. Today, Gabriel co-hosts the Zero to 100 Real Estate Podcast, helping investors build wealth designed around freedom, family, and choice. Highlights/Topics: (00:00) - Introduction to Creative Financing with Gabriel Hamel (02:08) - First Properties and the 2005-2007 House Hacking Strategy (06:08) - The 2008 Financial Crisis: When Banks Said No (07:38) - Debunking Creative Financing Myths and Misconceptions (10:08) - Finding Motivated Sellers and Structuring Win-Win Deals (20:15) - Cash Flow vs. Appreciation: Building Sustainable Wealth (30:45) - Analyzing Deals and Making Offers That Work (42:49) - The Zero to 100 Tribe: Community and Time Freedom (45:46) - Taking Action: Final Advice for Aspiring Investors Resources: Connect with Gabriel 👇 http://www.zeroto100tribe.com/ https://www.instagram.com/the_real_gabriel_hamel https://podcasts.apple.com/us/podcast/the-zero-to-100-real-estate-podcast/id1745322778 Schedule Your FREE Consultation https://aba.link/0qx Tax and Asset Protection Events https://aba.link/2f2856 Anderson Advisors https://andersonadvisors.com/ Anderson Advisors Podcast https://andersonadvisors.com/podcast/ Clint Coons YouTube https://www.youtube.com/channel/UC5GX-U6VbvMkhSM1ONBiW8w Anderson Advisors Tax Planning Appointment https://andersonadvisors.com/ss/