{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Property Strategy That Lets You Buy Without Cash or Deposits with Toby Spanier","description":"In this episode, I sit down with Toby Spanier, to explore how creative thinking and strategic structuring can completely transform your property investing journey. From buying nine properties in just seven months to running out of capital, Toby shares the hard lessons he learned as a motivated buyer. Toby\u2019s journey highlights the power of asking better questions and structuring smarter deals in today\u2019s challenging market. Toby Spanier is a property investor and former management consultant at Deloitte who began investing in 2015. Starting with traditional buy-to-let and HMO strategies, he quickly evolved his approach after encountering capital constraints and market realities. Today, Toby specialises in creative deal structuring, including SaaS pension lending, \u00a31 deposit exchanges, and 100% vendor-financed acquisitions. He focuses on building win-win solutions for retiring landlords while scaling his portfolio with minimal capital input, always emphasising strategic thinking and disciplined decision-making. &amp;nbsp; Expect to Learn:   Why being too greedy can cause you to lose profitable property deals   The risks of being a \u201cmotivated buyer\u201d and how to shift that mindset   How Toby used a SSAS pension to fund further acquisitions   How exchange with delayed completion works in real-world property deals   The structure behind 100% vendor-financed purchases   Why having no money left in a deal doesn\u2019t always mean it\u2019s a great investment   The key question investors should ask themselves after missing a deal    Episode Breakdown with Timestamps:   [00:00] \u2013 Introduction: Challenging the Doom and Gloom Around Property   [07:48] \u2013 The Worst Mistake Toby Ever Made   [10:18] \u2013 Buying Nine Properties in Seven Months   [15:12] \u2013 Running Out of Capital and Lessons from HMOs   [24:28] \u2013 Selling 43 HMOs in One Portfolio Deal   [29:16] \u2013 The \u00a31 Deposit Deal: Exchange with Delayed Completion   [34:19] \u2013 Structuring Vendor Finance and Low-Capital Acquisitions   [35:32] \u2013 100% Seller-Funded Deals Explained   [53:11] \u2013 Final thoughts and The Better Question Every Investor Should Ask   &amp;nbsp; Follow the Guest Toby Spanier:   LinkedIn: https:\/\/www.linkedin.com\/in\/toby-spanier-4a8445\/   Facebook: https:\/\/www.facebook.com\/toby.spanier     Follow the Host Vicki:   LinkedIn: https:\/\/www.linkedin.com\/in\/vickiwusche\/&amp;nbsp;   Facebook: https:\/\/www.facebook.com\/VickiWusche&amp;nbsp;   Instagram: https:\/\/www.instagram.com\/vicki_wusche\/&amp;nbsp;   Book a Call: https:\/\/bit.ly\/BookVicki&amp;nbsp;   Scorecard: https:\/\/vickiwusche.com\/Scorecard&amp;nbsp;   The Values Manual: https:\/\/bit.ly\/ValuesManual   &amp;nbsp; Listening Links:&amp;nbsp;   Youtube:https:\/\/www.youtube.com\/VickiWusche&amp;nbsp;   Apple Podcast:  https:\/\/podcasts.apple.com\/nz\/podcast\/a-wealthy-life\/id1617293196&amp;nbsp;   Spotify: https:\/\/open.spotify.com\/show\/13lVRTAioD5mR4XUiylAk8     Escape the 9-5 through property - A complete course by Vicki Wusche: https:\/\/bit.ly\/EscapeThe9-5NOW&amp;nbsp; &amp;nbsp; ","author_name":"A Wealthy Life","author_url":"https:\/\/sites.libsyn.com\/406112","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/40825240\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/content\/200690410"}