Roof needs replacing? Old electrical panel? Foundation crack? We buy houses that need real work — you don't spend a dollar on repairs before closing.
A traditional 6% realtor commission on a $395,000 home is $23,700 gone before you see a dime. We cut that out entirely.
Seller-side title fees, taxes, and misc. closing costs typically run another 2-3%. That's ours to absorb, not yours.
Our owner-finance structure pays you interest every single month for the life of the note — real, scheduled income, not a one-time check.
Most owner-finance deals run 5-7 years before a balloon payment. We structure ours around 24 months — you get cashed out sooner.
If we're ever unable to secure refinancing to pay off your balloon, you keep the house — plus every dollar of interest already paid, plus any upgrades made while we held it.
Example figures only, based on a $395,000 home listed on the retail market versus a $294,000 owner-finance offer at 10% interest-only for 24 months. Your numbers will differ — run your address through the free estimator.
| Line item | Traditional sale ($395,000 list) | Our owner-finance offer |
|---|---|---|
| Realtor commission (6%) | −$23,700 | $0 |
| Seller closing costs (~3%) | −$11,850 | $0 |
| Bank-required repairs before funding | Often $10,000–$30,000+ | $0 — sold as-is |
| Monthly income during the term | $0 | $2,450/mo × 24 months |
| Final payout | Lump sum at closing | $294,000 balloon at month 24 |
| Total net to seller | ~$359,450 (perfect-condition assumption) | $352,800 |
The traditional-sale total assumes a flawless retail closing with no negotiated repairs, price reductions, or delays — in practice, homes that need work almost always net sellers less than this figure once a bank-ordered inspection gets involved. All numbers above are illustrative examples, not a quote for your property.