there are things like breeder loans when you pay a fee and one of your animals can breed someone else, then you keep divide up the offspring. i don't know anyone who is ever done this or willing to do this with a normal male/female. the only time i can see it being done is when you have a morph and you breed to someone else's morph to create designer morphs.

if you ant morphs your best bet is to save up some money and buy them.