For Property Owners
Flexible Selling Solutions
A traditional sale isn't always the best fit for every property or every situation. I work directly with owners, realtors, brokers, wholesalers, title companies, and attorneys to structure creative financing purchases around what the seller actually needs.
Discuss Your Property
Ways I Purchase Properties
I purchase through creative financing, not a one-size-fits-all offer.
Below is a plain-language look at how each structure works. Every transaction depends on the property, the existing financing, title review, your goals as the seller, and a written agreement both sides are comfortable with. None of these is guaranteed to fit your property; we'll work through that together before anything is decided.
Subject-To
I purchase the property subject to the existing mortgage. The loan stays in your name, and I take on responsibility for making the monthly payments according to our written agreement. The lender isn't formally involved in transferring or assuming the loan; we simply agree, in writing, on how those payments will be handled going forward.
Seller Financing
I finance some or all of the purchase price directly with you as the seller. You receive payments over time under mutually agreed written terms, rather than a lump sum at closing.
Subject-To With Seller Financing
A combination of both: the existing mortgage stays in place while you carry the remaining equity through a separate seller-financed note, with its own written terms.
Why Sellers Consider Creative Financing
A traditional sale isn't always the goal.
Sellers come to these conversations for a lot of different reasons. Here are some of the most common ones I hear: yours may be one of these, a combination, or something else entirely.
- Limited equity in the property
- Wanting monthly income rather than a lump sum
- An upcoming relocation on a tight timeline
- Repairs the seller doesn't want to fund or manage
- A property that's difficult to sell traditionally
- Tax planning around how proceeds are received
- Needing a flexible or delayed closing date
Long-Term Ownership
Cared for after closing, not just before it.
What happens to your property after we close matters to me. Every acquisition is professionally managed for the long term: maintained, kept occupied, and treated the way an owner who plans to hold it for years would treat it, because that is exactly the plan.
That is part of why sellers, brokers, and title companies come back to work with me again.
My Process
Five steps, from first call to closing.
Every property is different, but the path from our first conversation to a closed transaction generally looks like this, so you always know what comes next.
Conversation
A no-pressure call to understand your property and your goals.
Property Review
I look at the property, the loan (if any), and the numbers.
Discuss Options
We talk through which structures, if any, could work for you.
Purchase Agreement
If it's a fit, we put terms in writing that you're comfortable with.
Closing
We close through a title company or attorney, on the timeline we agreed to.
Frequently Asked Questions
Straight answers to the questions sellers ask most.
It means I purchase the property subject to the existing mortgage. The loan stays in your name, and I take responsibility for making the monthly payments according to our written agreement. The lender isn't formally transferring or assuming the loan; we're simply agreeing, in writing, on how those payments are handled going forward. It isn't the right fit for every loan or every seller, so we'll talk through whether it makes sense for your situation.
You act as the lender: I make agreed-upon payments to you over time, typically with interest, under terms we put in writing. It can create ongoing income and potential tax benefits, and terms are negotiated to work for both sides.
It's a combination of the two: the existing mortgage stays in place, and you carry the remaining equity through a separate seller-financed note. Some people call a similar concept a wraparound mortgage, but I generally prefer structuring these as a subject-to purchase alongside a separate note rather than a single wraparound loan.
With seller financing, yes, that's the structure. With a straight subject-to purchase, you don't receive ongoing payments; instead, I take over making the existing mortgage payments going forward.
In a subject-to purchase, I make the payments once we close, even though the loan remains in your name. We'll walk through exactly how that works, including how payments are documented, before you decide anything.
Often, yes. Limited equity is one of the more common reasons sellers explore creative financing in the first place, since it can open up options a traditional sale wouldn't.
Generally no. I purchase properties as-is in most cases, which is part of why sellers with deferred maintenance or repair needs reach out.
It depends on the structure and the property, but creative financing can often move faster than a traditional listing process, and we'll agree on a closing date that works for you.
What Residents Are Saying
Feedback from people who've lived in these properties.
Long-term ownership means the property still has to work well for the people living in it. Here's some of the feedback residents have shared along the way.
“The room was clean, comfortable, and exactly as described. The owner was responsive from the first message and made move-in simple.”
“I appreciated how well the property was maintained. Any time I had a question, the owner responded quickly and took care of it.”
“Great communication from start to finish. The owner was easy to reach and genuinely helpful when I had questions about the house.”
“The house felt safe and well kept. The owner was respectful of everyone's space while still being quick to help when something came up.”
“Moving in was smooth and stress-free. The owner walked me through everything I needed to know and followed up to make sure I was settled in.”
“The property was clean and quiet, and the owner was on top of maintenance requests. I never had to wait long to get an answer.”
“I felt like my concerns were actually heard. The owner deserves praise for how well the property is run and how easy it was to communicate.”
“A comfortable place to live with a responsive owner. Repairs were handled promptly and the common areas were always kept in good shape.”
“The owner is supportive and easy to work with. I always felt like a priority, not just another tenant.”
“Everything about the process was straightforward, from touring the room to signing on. The owner was upfront about expectations the whole way through.”
“Well maintained, clean, and quiet. The owner checked in periodically just to make sure everything was going well, which I appreciated.”
“I felt comfortable reaching out whenever I needed something. The owner was consistent, fair, and easy to get in touch with throughout my stay.”
Payment Illustrations
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Ready When You Are
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