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EVERY PROBLEM HAS ITS SOLUTION, HERE IS OURS:
CASH OFFER
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A cash offer means you receive the full amount offered, minus any mortgage, taxes, and liens. We cover all closing costs and buy your property as-is, with no financing contingencies. The sale is facilitated by a licensed title company, ensuring secure and timely payment disbursement at closing. We're ready with cash on hand!
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Subject To. OFFER
Loan Reinstatement and Payment Transfer: The buyer reinstates the loan and takes over the payments.
Title Transfer: The buyer assumes ownership of the property.
Loan Remains in Seller’s Name: This avoids triggering the due-on-sale clause of most mortgage agreements.
Cash Payment to Seller: At closing, the buyer pays the seller the difference between the agreed purchase price and the loan payoff in cash.
Benefits
Credit Improvement: The loan payments appear to come from the seller, positively impacting your credit as we make payments on the loan.
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Why We Use This Strategy
Cash Flow: Keeping the original loan in place allows us to maintain cash flow by renting out the property.
Seller Security: If we reinstate the loan, pay you in cash, and renovate the house, the likelihood of missed payments is extremely low.
This subject-to financing strategy is one we have successfully implemented for years.
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OWNER FINANCE OFFER
Also known as seller financing, is a unique real estate transaction where the seller provides financing to the buyer, allowing them to purchase the property without going through a traditional mortgage lender. This arrangement can benefit both parties and offer greater flexibility compared to conventional financing methods.
Owner financing works by the buyer and seller agreeing on the sale price, interest rate, repayment schedule, and other terms of the loan. Both parties sign an initial purchase agreement outlining the terms and conditions of the sale and financing. The seller then transfers the property title to the buyer, who becomes the new owner. A licensed title company drafts the final repayment note, detailing the agreed-upon terms, including payment amounts, schedule, and interest rate. This note serves as the official loan document. The buyer makes regular payments directly to the seller according to the terms specified in the repayment note.
Benefits of Owner Financing
For Buyers:
The terms are flexible, with negotiable interest rates, down payments, and repayment schedules which allow us to pay higher by taking the rental to cash out refi exit strategy. Additionally, the closing process is typically faster without the need for bank approval.
For Sellers:
Sellers benefit from a steady income stream, potentially earning more over time than a lump sum sale. Offering owner financing can attract a broader market of potential buyers and may provide tax advantages by spreading out the income from the sale over several years.
Risks and Protections:
If the buyer defaults on payments, the seller will regain the property, and the buyer would lose their investment. The amount owed to seller is secured as a lien against the property, in the event that the buyer tries to resell, the note held by the seller will show and will need to be paid in full prior to resale unless its taken over by assumption if allowed in the purchase agreement.
Owner financing can be a beneficial arrangement for both buyers and sellers, providing flexibility and opportunities that traditional financing methods may not offer. With the assistance of a reputable title company, you can ensure a smooth, legally compliant transaction.
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EQUITY PROTECTION PROGRAM OFFER
Our Equity Protection Plan is designed to maximize your property's value while ensuring you receive the agreed-upon price. We offer two strategic approaches to help you achieve the best possible outcome, whether through direct buyer matchmaking or property enhancement and resale.
Strategy 1: Direct Buyer Matchmaking
In this approach, we put your property under contract for the agreed-upon price. Instead of purchasing the property ourselves, we find a buyer on your behalf. This ensures that you receive your purchase price net to you, with the buyer covering all closing costs.
1. Agreement Terms: We agree on a sale price and put your property under contract.
2. Buyer Search: We actively search for and secure a qualified buyer for your property with our high performance search systems as well as the MLS.
3. Closing: The buyer covers all closing costs, ensuring you receive the full agreed-upon price without any additional expenses.
Our Equity Protection Plan leverages our expertise and market knowledge to maximize your property's value while ensuring you receive the agreed-upon price. Whether through direct buyer matchmaking or partnering in property enhancement and resale, we provide tailored solutions to meet your needs.
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