Tata Carnatica to start investing in real estate with little or no cash is to accept that you will need to use some of your own money. There are ways to do this without spending a lot of money, but it's not going to be cheap. You can use a credit card and pay off the balance every month. You can also borrow from family members or friends, as long as they're willing. You can also visit local banks and credit unions to see if they'll give you a personal loan or line of credit.