You've owned this property. You've maintained it, paid taxes on it, and made decisions about it for years. What happens next should be a choice — not a default. We're here to talk through what that looks like.
"A traditional listing isn't the only way to move a property —
and for many owners, it's not even the best way."
When you sell through a real estate agent, you're paying commissions, waiting on inspections, negotiating with buyers who may back out, and handing control of your timeline to a process that wasn't designed with your interests at the center.
We reach out to property owners directly because we believe there's a better conversation to be had — one that starts with your situation, your goals, and what you actually want out of this property before anyone starts talking numbers.
Seller financing — sometimes called owner financing — is when the seller acts as the lender. Instead of a bank writing the mortgage, you receive monthly payments directly from the buyer. It sounds unconventional. In practice, it can be one of the most advantageous structures available to a property owner.
We agree on a purchase price and terms. Instead of paying cash upfront, we make monthly payments to you — principal plus interest — over an agreed term. You hold a lien on the property until the note is paid off or refinanced. Your position is secured by the real estate itself.
A lump-sum sale can create a significant tax event in one year. Seller financing spreads that income over time, which many owners find more manageable. It also generates consistent monthly income — often at a rate better than you'd get from a CD or savings account — while the property continues to appreciate under our management.
Your lien is recorded. If we ever default — which we structure our deals specifically to avoid — you have the right to reclaim the property through foreclosure. You are not unsecured. We work with title companies and attorneys to make sure your position is documented correctly from day one.
Not every property is a fit for seller financing, and not every owner wants it. We don't push a structure that doesn't serve you. What we ask for is an honest conversation about what you're looking to accomplish — and we'll tell you plainly whether we think this can work for both sides.
We consider several acquisition structures depending on the property, your situation, and what makes sense for both parties. Here's how we think about each.
You receive monthly payments at an agreed interest rate for a set term — typically 3 to 7 years. At the end, we refinance or pay the remaining balance in full. You earn income throughout and receive your principal back at maturity.
A straightforward purchase at an agreed price, funded through our capital or private lending partners. Closes fast — typically within 2–3 weeks. No bank approvals, no extended contingency periods.
A portion of the purchase price is paid at closing, and the remainder is carried as a seller note. Gives you immediate liquidity while preserving income potential on the balance.
We take over the existing mortgage payments while title transfers to us. Your name comes off the deed. The loan remains in place. This works in specific situations and we explain the full picture before anyone agrees to anything.
In select cases, we explore whether a seller wants to retain a small equity stake in the property after the sale — participating in appreciation over time rather than cashing out entirely. Uncommon, but worth discussing for the right situation.
We lease the property with an option to purchase at a preset price within a defined window. You receive consistent rental income during the lease term while locking in a future sale.
This isn't about telling you one is always better. It's about making sure you have the full picture before deciding.
| Factor | Traditional MLS Sale | Seller Financing with Us |
|---|---|---|
| Agent Commission | Typically 5–6% of sale price | None — we deal directly |
| Time to Close | 30–90 days depending on buyer financing | Flexible — we set the timeline together |
| Certainty of Close | Subject to buyer's loan approval, inspections, appraisal | We control our own financing — no third-party bank |
| Tax Impact | Full gain recognized in year of sale | Installment sale treatment — spread income over time |
| Monthly Income | One-time lump sum only | Monthly payments at a negotiated interest rate |
| Control Over Buyer | Open market — any qualified buyer | You choose who you sell to |
| Property Condition | Buyers typically request repairs or credits | We buy as-is — no inspection contingencies |
| Ongoing Involvement | None after closing | You remain the lienholder — with legal protections intact |
| Community Outcome | Depends on who buys and what they do with it | We invest, rehab, and steward the property long-term |
Tell us a little about your property and what you're thinking about. We'll reach out within one business day to schedule a call — direct, no pressure.
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