Creative financing is a term used to describe unconventional or innovative ways of financing a real estate purchase or investment. Creative financing can involve using alternative sources of funding, such as owner financing or private money, or it can involve structuring a deal in a way that is outside the norm, such as a lease-to-own arrangement. Creative financing can be a useful tool for buyers who may not qualify for traditional financing or who want to structure a deal in a way that meets their specific needs.