Ronald Cagape is a real estate broker, investor, author, and speaker committed to helping Filipinos take control of their financial future through deal-making. From starting with debt and a modest salary to structuring creative real estate deals using little or no money down, Ronald built his portfolio through strategy, leverage, and executionnot luck. He is the author of No Money Down Formula, where he shares practical, step-by-step methods for finding, funding, and flipping properties using creative financing techniques.