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Most Common
Subject-To (Subto)

We take over your existing mortgage payments. The loan stays in your name temporarily while we take title and handle all payments going forward. No new loan, no bank involved.

How It Works

We purchase the property "subject to" the existing mortgage. You transfer the deed to us through the title company. From that day forward, we make every mortgage payment. Your loan stays in place until we sell (paying it off) or refinance it into our name.

Key Benefits to You

• Immediate relief from mortgage payments
• No agent commissions or closing costs
• No repairs needed — we buy as-is
• Works even if you're behind on payments
• Close much faster than a traditional sale
Best for → Behind on payments · Relocating fast · Underwater on mortgage · Facing foreclosure
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Passive Income
Seller Financing

You act as the bank. Instead of receiving a lump sum at closing, you receive monthly payments from us at an interest rate you agree to. Creates a steady passive income stream.

How It Works

You own the property free and clear (or with equity). Rather than selling for a lump sum, you carry the financing — meaning we make monthly payments directly to you, at an agreed interest rate, for an agreed term. You hold a note secured by the property.

Key Benefits to You

• Monthly income without being a landlord
• Often nets you more than a cash sale
• Interest income on top of principal
• Property secured as collateral
• Significant tax advantages on installment sale
Best for → Sellers with equity who want monthly income · Free-and-clear properties · Sellers who don't need all cash now
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Flexible Exit
Lease Option

We lease your home with an option to purchase it later at a price you lock in today. You receive consistent monthly lease income and a guaranteed future sale on your terms.

How It Works

We enter into a lease agreement for your property, with an option to purchase at a set price within an agreed timeframe. You continue to receive monthly income. At the end of the lease term, we exercise the option and purchase — or you retain the property if we don't.

Key Benefits to You

• Monthly lease income immediately
• Lock in today's price for future sale
• Keep title until purchase is complete
• Flexibility if you're not ready to fully sell
• We handle the property during the lease
Best for → Not ready to sell immediately · Want to lock in price · Need income while planning next move
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Maximize Value
Novation Agreement

We step into your shoes, improve the property, sell it at full market value, and split the net profits with you. You get significantly more than a cash offer without doing any work.

How It Works

Rather than buying your home at a discount, we agree to renovate and sell it for maximum value. We handle all repairs, staging, and listing. When it sells at full market value, we split the net proceeds according to a pre-agreed formula. You get more money — we get compensated for our work.

Key Benefits to You

• Maximum value — not a discount cash offer
• You don't pay for repairs out of pocket
• No effort required on your end
• Often 20-40% more than a cash offer
• Profit share agreement in writing upfront
Best for → Homes needing repairs · Sellers who want max value · Properties with strong equity but needing work
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Fast Close
Cash Offer

Sometimes a fast, clean cash close is exactly what you need. No banks, no contingencies, no financing falling through at the last minute. We make fair offers and close quickly.

How It Works

We make a cash purchase offer for your property at a fair price. You accept, we open title, and we close. No waiting for a buyer's bank to approve a loan. No contingencies that fall through. No months of your home sitting on the market.

Key Benefits to You

• Fastest possible close — no bank delays
• No contingencies or financing fall-through risk
• Certainty — once we commit, we close
• No repairs, no showings, no open houses
• Fair offer based on actual market data
Best for → Inherited properties · Probate situations · Properties with title complications · Sellers who need certainty
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For Investors
Joint Ventures & Partnerships

Are you a wholesaler, investor, or agent with deal flow in GA, FL, or TN? We're actively looking for reliable partners. Bring us deals and let's split the profit fairly.

How It Works

You bring us a deal — a motivated seller, a property under contract, or a creative finance opportunity. We evaluate quickly, provide our terms, and if we move forward, we pay your assignment fee or split the profit according to a pre-agreed JV structure. Clean, fast, repeat.

Key Benefits to You

• Fast decisions — usually within 24 hours
• Reliable closing — we don't flake
• Fair split on JV deals
• Ongoing relationship — not a one-time deal
• We take creative finance deals others pass on
Best for → Wholesalers with creative finance deals · Real estate agents with off-market sellers · Investors seeking a buying partner

What's Your Situation?

Click your situation to learn which strategy fits best — or contact us and we'll figure it out together.