Enter owner mode and create a player. Intentionally keep his stats very low and sign him to your team for the maximum number of years at a minimum salary. Then, return to the player creation screen (not through the rosters), and change his attributes to full. You will be able to keep the player through the length of his contract for the original low salary.
While in franchise or owner mode, when asked to input players at the end of a season, begin this by doing the regular offseason procedures. When the next screen appears, go to your features to create-a-player. Create your player, but make his attributes between 12 to 20. Save the player, then go to offseason features until you get to re-sign free agents. Begin the bargaining process on your created player (if the above steps are done correctly, his salary should be between $200,000 to $400,000) and sign him. When main screen appears, go back into the features and highlight your created player you just signed. Go to attributes and raise all the attributes to 99. Notice that although the overall rating goes up, the salary remains the same.
Check to see what teams you are playing. Then, create a player with a 99 overall rating. WRs work best as they are not used every play on offense. Sign the free agent, then go to trade block. Look carefully at what your true needs to make your team better are. Put the created player on the block. Ask for the two positions with a rating of 90 you need the most and a first round draft pick. You can usually get a first rounder with a 90 to 95 player depending on what position you ask for. When you trade, try to get the best deal from teams that you will not face. You can do this with probably three to five created characters, depending on the deals that you get and the needs of your team. This is easy because you do not have to spend any time creating the player and you benefit by trading to teams you do not face.
To get unbelievable players, create a player, in a position that you need who is only 18. Make him rated about 75 overall. After training camp, pre-season, and a good season, you can have a player near 83 overall. Then, down the road, you can easily produce a 99 overall player.
To have a good team with one player or more and a low salary, create a player that would be very bad at his position. Sign him for as cheap as you can without a bonus for seven years. A bonus would make you pay more in the long run. Change his rating to perfect and make him good to a position which is common to his position on offense/defense. For example, WRs can be good secondary players and defensive lineman can be good offensive lineman, or if they are smaller and fast a fullback or tight end.
Note: The following trick only works in franchise mode. To get good first round draft picks each year, create a player during the season (quarterback works best). Make his quarterback accuracy and power 100; if any other stats are made better he will be too much to sign. He will be added to the free agents. Go to rosters and look for all the teams in the NFL that have a bad quarterback. Most of the time, the team who has a bad quarterback will also have a bad season. Once you have found the team with the worst quarterback, go to "Free Agents" under "Roster", and sign the player you created to a one year deal. Once this is done, go to "Trades" under "Roster". Trade your created player (his stats should be about 78) to the team that had the worst quarterback for their first and second round draft pick. Next, go to create a player and adjust the attributes of the quarterback you just traded and make him 12 overall. Now you will have the team's first and second draft pick, and they will have a bad quarterback.
Note: You must have Corey Dillon or the Bengals for this trick. To get a good spot at the NFL draft (if not the first), trade Corey Dillon for their first or second draft picks. They will usually accept. You will now have two good draft picks.
When you are playing a franchise, wait until it gets to week 6. Check to see who has the worst record in the league. Go to that team and trade your first round pick for their first round pick. Even if you are 6-0 and they are 0-6, they will accept about 95% of time.
At the end of the season in franchise mode when signing coaches, go to coaching postions. Be the coach of the team that the desired player is on. Then during the season, trade between the teams you coach. At the end of the next season, go back to coaching positions and quit coaching that team. This is also allows you to take their draft picks.
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