"Creative financing" techniques includes such practices and financial instruments as second mortgages, home-leasing plans, land leasing and property exchanges, according to your text.

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Creative financing refers to innovative, non-traditional methods of financing real estate transactions, and indeed includes practices such as second mortgages, home-leasing plans, land leasing, and property exchanges to facilitate deals that might not be possible through conventional financing methods.

"Creative Financing" Techniques Includes Such Practices and Financial Instruments as Second