<p>From 2008 Crash to Creative Comeback </p><p>Chris Prefontaine’s real estate journey is a masterclass in resilience: after nearly losing everything in the 2008 crash while relying on banks and big down payments, he rebuilt from scratch using only creative, non-traditional techniques—no personal loans, no banks, no credit exposure. What started as survival turned into a thriving family business and the Inc. 5000-ranked Smart Real Estate Coach company. The secret sauce? Three bank-free buying strategies (owner financing, lease-purchase, and subject-to existing loans) that let him and his students scoop up properties on terms, often locking in low 2–4% mortgages that sellers are desperate to offload because “life happens”—divorce, job loss, inheritance headaches, or insurance spikes in places like Florida. </p><p>#CreativeRealEstate #NoBankNeededT</p><p>he Lucrative 3-Payday System That Replaces Your Job </p><p>Prefontaine’s trademarked “3-Payday” system turns every deal into a cash-flow machine: (1) a chunky non-refundable down payment from a rent-to-own buyer (average $25–30K), (2) monthly positive cash flow from the spread between what you pay the seller and what your buyer pays you ($300–$1,000+/month), and (3) a massive back-end payday from principal pay-down plus markup when the buyer cashes you out—totaling $45K–$350K per deal over 2–5 years. Students routinely replace six-figure salaries with just 5–7 deals; one former government engineer walked away from a 30-year career after his first five deals each cleared six figures. No flipping, no rehabs, no landlords-and-tenants headaches—just high-profit, predictable income that survives any market. #3Paydays #ReplaceYourJob</p><p>Why Now Is Actually the Perfect Storm </p><p>While the media screams “crash incoming,” Prefontaine sees a golden window: panicked sellers, tighter bank lending rules, and millions of low-interest mortgages owners want to escape create endless motivated leads. His students are buying subject-to at 2.75% and owner-financing free-and-clear properties with zero-interest principal-only payments while traditional buyers sit paralyzed. His blunt advice: pick a proven niche you love, find a mentor who’s survived real downturns (not just the last bull run), put on blinders for three years, and ignore shiny-object gurus promising riches in 30 days. Done right, creative real estate isn’t just recession-proof—it’s the fastest, safest way for regular people to fire their boss and build life-changing wealth on their own terms. </p><p>#RealEstate2025 #QuitYourJobWithRealEstate</p><p>Connect with Chris: </p><p>Instagram: https://www.instagram.com/smartrealestatecoach/ </p><p>YouTube: https://www.youtube.com/smartrealestatecoach Facebook: https://www.facebook.com/smartrealestatecoach Website: https://smartrealestatecoach.com/ Free Master&#39;s Class:: https://wickedsmartacademy.com/mastersclass FREE Best Selling Book: https://wickedsmartbooks.com/christine Upcoming Events: https://smartrealestatecoach.com/events/ Free 15-Minute Strategy Call https://smartrealestatecoach.com/action/</p>