We Close Deals Others Can't — Cash Offer in 24 Hours
Subject-to. Seller financing. Wholesale. BRRRR. Lease options. Novation. We structure deals for sellers who need creative — and investors who can underwrite the upside. 346-313-7818.
Get Your Cash Offer
How we structure deals
Subject-To
We take title; existing loan stays in seller's name. Fast, often higher net to seller than retail. Due-on-sale clause risk disclosed. Best for low-rate mortgages.
Learn moreSeller Financing
Seller carries the note. Monthly income for 15-30 years. SAFE Act / Dodd-Frank compliance reviewed by attorney on every deal. Best for free-and-clear properties.
Learn moreWholesale (Cash Close)
We assign the contract or double-close. 7-14 day cash close. Texas Property Code §5.086 disclosure on every contract. Fastest exit for distressed sellers.
Get cash offerBRRRR
Buy-Rehab-Rent-Refi-Repeat. We help investors structure acquisition financing through our hard-money + DSCR partner network. Full deal analysis provided.
Learn BRRRRLease Option
We rent + option to buy later. TX Property Code §5.062-5.085 executory contract rules followed strictly. Disclosure forms recorded. Best for tenant-buyers with credit issues.
Learn moreNovation
We replace your contract with a new one. Useful when retail listing requires improvements but seller can't fund repairs. We fund, list, split proceeds.
Get cash offerRecent creative finance deals — real math
“Subject-To, Spring Branch Houston. Seller behind on payments, 3.25% loan. Seller netted $8K cash + caught-up loan. Our cost: $3K + assumed loan. ARV after rehab: $385K.”
Deal #487 — Spring Branch, Houston TX
“Wholesale, Pearland TX. Inherited property, multiple heirs. Sellers netted $245K combined. Our assignment fee: $18K. End-buyer purchase: $263K. Closed in 12 days.”
Deal #502 — Pearland, TX
“Seller Finance, Katy TX. Owner free-and-clear. $15K down payment at close, $1,500/mo for 20 years at 6%. Seller receives $375K total vs $290K cash. Tax-advantaged installment sale.”
Deal #511 — Katy, TX
“Lease Option, Cypress TX. Tenant-buyer with 620 credit. $8K option fee (non-refundable). $2,400/mo rent. $320K strike price locked 24 months. Buyer refinances at expiry.”
Deal #519 — Cypress, TX
Learn creative finance — then do deals with us
Creative Finance Fundamentals — $197
Subject-to, seller finance, lease options, wraps explained with real deal examples. Self-paced. Lifetime access.
Buy courseCreative Finance Mastery — $997
Advanced deal structuring, contract templates, attorney-reviewed forms, underwriting spreadsheets. 12 modules + live Q&A.
Buy courseMastermind — $7,500
12-month cohort with CEO Lateefat. Deal reviews on YOUR deals. JV opportunities on Afiyah pipeline. 10-person cap.
ApplyCreative finance FAQ
Is subject-to legal in Texas?
Yes — but TREC has issued public consumer warnings and the due-on-sale clause in the existing mortgage CAN be triggered by the lender. We disclose this risk in writing to every seller before contract. Our attorney reviews every deal.
Do you need a license to do seller financing?
Federal SAFE Act and Dodd-Frank apply. Most repeat seller-financing operators must hold an MLO license OR qualify for specific narrow exemptions. We work with licensed partners or qualify for exemptions case-by-case.
Why is your cash offer below retail?
Because we close in 7-14 days, pay closing costs, accept as-is, take all market risk. The trade-off is speed and certainty for price. We show you the math — 3 comps, 3 offer structures. You decide.
Can you really close in 24 hours?
We make the OFFER in 24 hours. Closing takes 7-14 days for cash, 14-21 days for subject-to, 21-30 days for seller finance. Title search and attorney review take time.
What states do you operate in?
Active in 12 states: TX, GA, FL, TN, NC, OH, IN, AZ, NV, MD, AL, SC. Expanding to all 50. Creative finance compliance varies by state — our legal team reviews each.
Get your cash offer in 24 hours — call 346-313-7818
Or submit above. We present up to 3 offer structures: cash, subject-to, and seller finance. You pick what works.
Get My Offer