Creative Financing FAQs
What is creative financing?
Creative financing means purchasing a property using non-traditional methods, such as subject-to, seller financing, lease options, or hybrid structures, allowing sellers to receive monthly payments, defer taxes, or earn more over time.
Why would I choose creative financing instead of a cash sale?
If you don’t need immediate full payment, creative financing can help you get a higher total price, reduce taxes, and sometimes keep steady income through monthly payments while transferring property management to us.
What is a “subject-to” purchase?
A “subject-to” deal means we take over your existing mortgage payments while keeping the loan in your name temporarily. You’re released from making payments, and we handle everything — until the property is refinanced or sold.
What is seller financing?
With seller financing, you act as the lender. We agree on a down payment, interest rate, and monthly payments — giving you steady cash flow and often a higher total sale price.
What if I have little or no equity in my home?
That’s okay — creative options like subject-to or wrap-around mortgages can still work. We structure deals that protect both sides and ensure you’re not stuck with an unaffordable loan.
How do I know my mortgage will still be paid on time in a subject-to deal?
Payments are made through licensed third-party servicing companies that ensure your mortgage is paid on time every month and you receive confirmation.
Can I sell creatively even if I’m behind on payments?
Yes — we can often catch up arrears, stop the foreclosure process, and structure a creative deal that helps you move forward without ruining your credit.
Is creative financing legal and safe?
Yes. These strategies are 100% legal when structured correctly. We work with experienced title companies and real estate attorneys to ensure full compliance.
What’s the main difference between cash and creative financing?
Cash = fast, simple, and immediate payout.
Creative financing = flexible, customized, and potentially higher total return over time.
What types of properties do you buy?
We buy single-family homes, condos, townhomes, duplexes, multi-unit properties, and even commercial properties if they are tenant occupied and cash flowing.