In this episode of Zero to 100, Gabriel Hamel breaks down how he built a real estate portfolio of nearly 400 properties without relying on banks, traditional loans, or large amounts of cash.

Originally recorded on the Clint Coons Esq Podcast, this conversation dives deep into creative financing strategies that most investors either misunderstand or completely ignore.

Gabriel shares his real story, starting with joining the Army National Guard at 17, getting deployed to Iraq, coming home with no money, no job, and no degree, and realizing that traditional paths were not going to give him freedom. After the 2008 crash shut him out of bank lending entirely, he was forced to find another way. That pressure led him to seller financing.

In this episode, you will learn:

• How seller financing actually works in the real world
• Why “no money down” deals are not sketchy or illegal when structured correctly
• Who the real sellers are that want to carry financing and why
• How to find deals without agents, banks, or bidding wars
• Why relationships matter more than terms
• How to evaluate creative deals so they cash flow from day one
• The mistakes new investors make that kill good opportunities

This is not theory. This is not hype. This is a long form, honest conversation about how real estate deals actually get done when the system tells you no.

If you are stuck waiting on banks, saving for down payments, or being told creative financing does not exist in your market, this episode will reset how you think about investing.

Listen all the way through. The biggest lessons are not about real estate. They are about leverage, trust, and playing a different game.