Bill Gatten is a highly successful real estate investor best known as one who teaches creative financing and has developed three real estate inventions: The Equity Holding Land Trust ™,  The PAC Trust ™ and the NEH Trust ™.  His approach is based on “practice what you preach.”  He is said to do just that.  In his book "Making it BIG in Creative Real Estate and Keeping it...This Time," a 500 page compendium of all aspects of seller-carry, no-down, no-credit-needed, no-payment creative real estate financing he explains these three dynamic methods. Mr. Gatten’s experience is 45 years of sales training, real estate investing and institutional banking.

The PACT Trust ™ covers the following for would be successful investors.  How to ignore due-on-sales clauses, buy for nothing down, avoid credit checks, have “bullet-proof” asset protection, get all the benefits of wraps, land contracts, lease options, and equity sharing without the disadvantages of those financing techniques, protect seller from buyer defaults, simplify closing, eliminate management and maintenances and all with no credit risk.

The PACT Trust ™ and the NEH Trust ™ are two amazing systems that allow for informal mortgage payment assumption while avoiding the lender’s triggers for the “due-on-sale-clause” while shielding and protecting the property’s title from potential lawsuits, creditor judgments, bankruptcy claims, tax liens and probate involvement.

Gatten’s theories to creative real estate investing is to have a plan that adapts quickly to ANY market…it doesn't matter which direction market dynamics flow; the force is still there. In a "down" market, there are few willing buyers; but obtainable properties abound, and they're all for sale at the best prices. In an "Up" market there may be fewer "easily" obtainable properties: but there are more buyers, and they'll do just about anything you want in order to get in on the action.

The fact is that market dynamics in creative real estate have always-required "thinking outside the box." The true Real Estate Investing Entrepreneur lives with, copes with, and makes his/her living with that fact. Understand that when real estate appreciation trends are up, a seller's market prevails: sellers set high prices and hang in there till they get them. On the other hand, when appreciation is down or stagnant, that's a buyer's market: fewer properties are available and sales are sparse.

To excel in any market, we need education…and tools that work in all circumstances. In a seller's market, we must be able to attract and serve buyers who would love to climb on the home-buying bandwagon, but who haven't yet saved up the cash or garnered the credit to do so. In a buyer's market, that knowledge and those same tools must attract sellers of no, low, or negative equity properties; fixer-uppers; distress sales; NOD filings; and "hard-to-moves"…while simultaneously wedging us, the investor, into the middle.

This is where the NARS PACTrust™ comes in. The PACTrust™ is a third-party title-holding land trust system, which works virtual wonders in any market. With this remarkable tool, the existing loan stays in place without a due-on-sale compromise; full income tax write-off is transferred to the tenant (in exchange for much higher payments); the property is shielded from creditor judgments, tax liens, law suits, bankruptcy action and marital disputes.

The PACTrust™ gives your tenant full tax write-off in exchange for paying (your) full mortgage, property tax and insurance. For a share in future appreciation potential, they'll gladly pay 100% of the (your) maintenance, repair and management costs. Bill Gatten is a real estate guru with an excellent background of experience and was named One of the top 25 Most informative People in Creative Real Estate Today.