FAQs

Explore some of our most frequently asked questions about our buying a home through owner financing.

This would be taxed as short term capital gains.

This would be taxed as short term capital gains.

What are the risks?

We carry an insurance policy on all of our properties that protect the value of the asset. Your recorded mortgage on title protects your ownership and investment if your loan was not properly serviced.

How is my investment guaranteed to the best of your ability?

Your loan is never leveraged on an asset higher than 75% of what it can be sold for; meaning unless some catastrophic events take place, your short term loan is well protected by a high margin. Even in the roughest years of the real estate market, it still             takes quite a bit of time for prices to fluctuate that high of a percentage.

What happens if something happens to the company?

If your loan is not being paid every month, you are legally allowed to foreclose on the property and take ownership. Your mortgage is attached to the title which is recorded on county records.

How am I secured?

You are directly tied to the title of the property via a note and mortgage which is recorded on title so that your loan is backed by a hard asset that doesn't have an expiration date.

How does this process work?
  1. We have a call together to go over our loan options and what goals you are trying to reach with us.
  2. We then present our loan sheet to see if it aligns with your goals.
  3. Simply email us a filled out W9 and ACH instructions for your bank so we can send you monthly payments.
Do you do Rent-to-Own?

Some of our properties are available to rent-to-own, it just depends on the property.

What is Owner Financing?

Our company creates the mortgage for you just like a big bank, without having to jump through all the hurdles. You get the deed at closing and become the owner on the title, which is recorded at the county courthouse.

Can I have another person on title with me or a cosigner to meet income requirements?

Yes, multiple people can be on title and we do accept co-signers on our loans.

What if I have bad credit?

We don't check credit or job history; we only look at verifiable income.

How does this process work?
  1. First thing is to make sure you like the house by walking through it.
  2. We will agree to numbers that fit your budget as best as possible.
  3. We then order the title search and prep the attorney to get ready for closing (2 week process)
  4. Our team will verify your income to make sure the household income is 3 times greater than the monthly payment.
  5. We will coordinate you with our insurance agent to have a new owner's policy in place.
  6. Then we close and set you up on our payment software.
What if I need some time to close?

All of our sellers are able to choose the closing date of their choice. Once we have a clear title search, our company is prepared to close.

What if I have questions throughout the process, how do I get a hold of you?

Our Transaction Coordinator will be in contract with you via call, email, and text throughout the entire process.

What does your process look like when you buy my house?
  1. We get 30 pictures of the house from you
  2. We then have an inspector come and inspect the house on the day of your choice.
  3. If we need a couple rehab bids, we will have 3-4 contractors walk the house as well (when it's a big rehab)
  4. We pay our title attorney to pull a title search to verify ownership and liens.
  5. We will coordinate with you on all documentation and hold your hand through the process.
If I have a mortgage, what do I need for paperwork?

You will need to find a mortgage statement and ask your mortgage company for a payoff letter.

My house needs a lot of repairs, are you still able to buy it?

Yes, we can buy any house.

Do you have a track record of buying houses?

Yes, our team has a collective over 25 years of home buying experience. We buy houses over 8 states currently and growing.

Contact us

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