Creative Real Estate Investing with Frances Chau
The Creative Real Estate Investing System
That Banks Don’t Want You to Know About
Discover the proven deal structures I’ve used for 20+ years to close win-win deals — no cash, no credit, no bank approval needed.
Learn the exact strategies to profit in real estate without banks — while helping families, avoiding foreclosures, and building generational wealth.
ABOUT ME
Hi, I'm Frances!
Hi, I’m Frances Chau — cancer survivor, Creative Real Estate Investor, and coach with 20+ years of experience. I’ve closed deals using strategies most investors overlook — and built a movement around teaching others how to create financial freedom while making a difference in senior care.
I created Keys to Creative Cashflow (KTCC) to give you the exact tools, scripts, and deal structures I’ve used to transform lives — including my own.
👉 This isn’t theory. It’s real-world, step-by-step guidance you can apply immediately.
95% of Newby Investors Don't Know What a Good Deal Looks Like
The Problem:
Most investors fail because they rely on banks, credit, or large amounts of cash to do deals. Or worse — they don’t know how to handle tough situations like pre-foreclosures, liens, or sellers with no equity.
The Agitation:
That’s why 95% of beginners burn out. They lock up bad deals, lose credibility with agents, and walk away before they ever see their first payday.
The Solution:
Keys to Creative Cashflow changes all that. You’ll learn how to structure win-win deals that don’t require your money or credit — and position yourself as the go-to problem solver in your market.
What You’ll Learn (12 Core Lessons + 5 Bonuses)
Core Lessons include:
- How to set up your business foundation the right way
- The 5 Steps to Success in Creative Real Estate
- How to analyze deals using the MAO formula
- Structuring ACTS, Subject-To, Seller Financing & Wrap deals
- How to work pre-foreclosures & communicate with sellers
- Wholesaling & completing Texas TREC contracts
Bonus Lessons include:
⭐ Lease Options & Novation Deals
⭐ Fix & Flip Investing Basics
⭐ Finding Private & Hard Money Lenders
⭐ Partnerships & Joint Ventures (with contracts)
⭐ Spiritual Enrichment Lessons to build resilience
Find Motivated Sellers
Who are ready to hand you
the keys to their property
Proven Scripts
Talk to Sellers and
Listing Agents Confidently
Deal Structure BluePrint
Create win-win scenarios
while building value and trust
Here’s Exactly What You’ll Get Inside Keys to Creative Cashflow
15 power-packed lessons designed to take you from beginner to confident deal-maker.
What You’ll Get:
Lesson 1: Business Foundations — Set up your LLC, DBA, and systems so you look and operate like a pro from Day 1.
Lesson 3: Subject-To Deals — Learn how to take over existing mortgages and create instant cashflow without bank approval.
Lesson 7: Seller Financing & Wraps — Structure win-win terms with sellers who need solutions beyond cash.
Lesson 12: Closing Contracts — Complete Texas TREC and assignment contracts without confusion.
What my Students are Saying?
Francis R.
Insurance Sales Rep.
"I never thought I could be real estate investor without cash or credit. Frances helped me close my first Subject-to deal in under 30 days and I made $10,000."
Barbara H.
Realtor - Texas
"Frances' philosophy is rooted in helping homeowners in tough situations while walking away with dignity. She is fair and creative. Everyone walks away a winner."
Ronnie D.
City Building Inspector
"I have replaced my income many times over. During the COVID-19 pandemic I made $500K. Frances taught me how to lower my risk and make money in any market."
Keys to Creative Cashflow
What's Inside
Wholesale Mindset
Beliefs that separate winners from wannabes
No Bank Qualifying
Acquire real estate without having to take out a new loan
Find Your Market
Work in your own backyard or the next county over
Motivated Sellers
Where to find them and how to build rapport and trust
The Power of CREI
Why you don't need banks to build wealth
Negotiate Like a Pro
Scripts and techniques that close more deals
Legal Contracts
Use the right forms and close at an investor friendly Title Company
Avoid Mistakes
How to dodge common errors that many new investors make
Are you ready?
This isn’t just about real estate. It’s about building a lifestyle of freedom, purpose, and impact. When you join KTCC, you’re not just learning — you’re stepping into a movement that combines wealth-building with giving back through Adoration Angels and senior care initiatives.
FAQ
Still Have Questions? I’ve Got Answers.
I know investing in yourself is a big decision. That’s why I want to make sure you feel confident before you take the next step. Here are the most common questions students ask me before joining Keys to Creative Cashflow.
Nope. That’s the beauty of Creative Real Estate. These strategies are designed for people who don’t have large savings, perfect credit, or a license. You’ll learn how to structure deals using terms, not your own cash.
Most programs teach “traditional” wholesaling or flipping that require cash, credit, or private money. Keys to Creative Cashflow teaches you 12 proven creative strategies — ACTS, Subject-To, Wraps, Lease Options, Seller Financing, Novations, and more. These give you more ways to profit and help families at the same time.
That depends on you. Some students close their first deal in 30–60 days, others take longer while they build confidence and systems. If you apply what you learn and take action, your first creative deal can come sooner than you think.
You can! Every lesson is available a la carte. If you just need help with, say, Subject-To deals or pre-foreclosures, you can buy that one. But if you want the complete system, bundles and memberships give you the biggest savings.
You’ll get instant login access to the course portal. You can watch lessons anytime, from any device. If you join the membership, lessons will be dripped weekly so you can stay on track without overwhelm.
Perfect. This program was built for beginners and experienced investors alike. Lesson 1 starts with building your foundation, then we work our way up to advanced deal structures. You won’t be lost — I break everything down step by step.
No license is required to do Subject-To deals. I’ll also share how to protect yourself legally and work with title companies to ensure clean, professional closings.
Because this is a digital training with immediate access to my years of contracts, strategies, and lessons, all sales are final. But here’s my promise: if you take action on what you learn, these strategies can pay for themselves many times over.
Yes. Keys to Creative Cashflow is the foundation, but if you want hands-on help, I offer group coaching and 1-on-1 mentorship. You’ll see upgrade options after checkout.
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3X Income for the Super Wholesaler