We help homeowners, agents, and investors understand creative finance with honest numbers and no pressure. We'll help you figure out if your situation is a good fit.
We use conservative numbers, current rent, and real inspections to determine if a deal works.
We do not use pro forma projections. Every evaluation is based on current, verifiable income and known condition.
We calculate value based on what the property earns right now, ensuring it covers all expenses and reserves while providing a return.
Accurate info leads to clean deals. We pause if repairs, rents, or title issues are unclear until they are resolved.
We're not here to push deals. We're here to help you understand if one makes sense.
Every deal starts with real numbers. If the math doesn't work, we'll tell you. No spin, no sales pitch.
Not every property fits creative finance. If yours doesn't, that's okay. We'll be honest about it.
If you're an agent, your role and commission are protected. We work with you, not around you.
Take your time. Ask questions. We're here to educate, not to rush you into anything.
Whether you're trying to sell a property that won't qualify for traditional financing, or you're looking to understand a deal with real numbers, we're here to help you see your options clearly.
If your home has been sitting on the market, or doesn't qualify for a traditional sale, creative finance might be worth exploring. We'll walk you through what's possible and what's not.
This may help if you need to:
Have a listing that just won't move? Creative finance can be a tool to help your clients when traditional buyers can't get approved. You stay involved, and your commission is protected.
Looking to evaluate creative finance deals with realistic numbers? Our calculator shows you cash flow, returns, and sample terms so you can make informed decisions.
If you've ever looked at commercial real estate, you've seen deals where a buyer purchases the LLC that owns the property instead of the property itself. The existing financing stays in place. The bank keeps getting paid. These deals can work well when the numbers hold up and the terms are clear.
Creative finance for residential properties uses the same proven principles. We're not inventing something new - we're applying strategies that commercial investors have used for decades to help homeowners who don't fit the traditional sale box.
Creative finance is common in commercial real estate, and when the details are clear, it can be a stable and well-understood way to structure a deal.
Creative finance is simply any way of buying or selling property that doesn't require a traditional bank loan. Instead of the buyer getting approved by a bank, you structure the deal directly between buyer and seller. See how we evaluate deals.
You become the bank. The buyer pays you monthly instead of a mortgage company.
The buyer takes over your existing mortgage payments while you transfer the deed.
A combination of both - existing mortgage stays, plus seller financing on your equity.
When traditional sales don't work, creative finance may offer a path forward. Here's what it can look like:
Instead of months of showings and buyer financing delays, creative deals can often close in weeks when the terms work.
Sellers often get closer to their asking price by being flexible on how they receive payment - monthly income, down payment, or a mix.
Investors using creative terms typically expect to handle repairs, so you don't have to fix up the property first.
Some sellers prefer receiving steady monthly payments over time rather than one lump sum at closing.
Many creative deals work around existing loans. You don't always need to pay off your mortgage first.
Good creative deals have clear paperwork, proper insurance, and documented payment terms to protect everyone involved.
Our free calculator shows you the numbers for your property - cash flow, terms, and investor metrics. No signup required.
Try the Free CalculatorNew to creative finance? Our Education Hub walks you through everything step by step - from basic concepts to structuring deals safely.
We review deals using conservative numbers and honest evaluation. If a deal meets our standards, we may move forward as the buyer.
If you're a homeowner, agent, or investor with a property that might fit creative financing, we're happy to take a look and give you straight feedback.
Not sure where to start? Have a property you'd like us to look at? Feel free to reach out. We're happy to answer questions with no obligation.