Sell or refinance your property today!
Homeowners or Investors
OUR CREATIVE REAL ESTATE SOLUTION
Whatever your problem we do have your back and the resources to cover it. We are much more than buying machines with profit as our only bottom line. We truly care about solving your problem in a way that everyone wins.
And, occasionally, for us the win is nothing more than the good feeling that we have helped you. This is a business, however, and most of the time our win must also be in the form of monetary gain while benefiting you, the seller.
What We Offer
Sell your home or investment property for top dollar
Our community is a large consortium of investors specializing in various types of real estate, including single-family homes, multifamily apartments, mobile home parks, RV parks, raw land, and commercial businesses. Within this environment we have our own separate business entities and specialties which make for a perfect combination of diversity and collaboration in funding, buying, sharing and selling various kinds of real estate for the benefit of everyone.
Creative Financing
This whole category of real estate finance has been greatly expanded and implemented by a man named Pace Morby who has helped thousands of buyers and sellers and built a real estate empire in a little less than ten years.
| Aspect | Seller Financing | Subject-To (Subto) | Strategy |
|---|---|---|---|
| Definition | Seller acts as the lender, financing the buyer's purchase with agreed-upon terms. | Buyer takes over seller’s existing mortgage payments, with title transferred but loan in seller’s name. | Creative deal-making, often using a lender for EMD or costs, plus Subto/seller financing to secure properties. |
| Financing Source | Seller provides the loan directly to the buyer. | Existing mortgage from the seller’s lender. | Lender (short-term) or existing financing (Subto/seller financing). |
| Upfront Cost | Down payment negotiated with seller, often flexible. | Minimal; may include small cash to seller or closing costs. | Low; Lender funds EMD or down payment for a fee/profit share. |
| Title Transfer | Yes, buyer gets title; seller holds a lien. | Yes, buyer gets title; original loan stays in seller’s name. | If acquiring property; may wholesale without taking title. |
| Primary Benefit | Flexible terms, no bank qualification needed. | Low interest rates from existing loan, little cash required. | Scalability with minimal personal capital, fast deal execution. |
| Main Risk | Buyer default; seller must foreclose to reclaim property. | Due-on-sale clause; seller’s credit at risk if buyer misses payments. | Lender fees cut profits; relies on quick resale or cash flow. |
| Best For | Buyers with poor credit, unique properties. | Investors seeking low-rate loans, distressed sellers. | Wholesalers, aggressive investors stacking deals. |
Our Services
- We listen carefully to what you need.
- We think outside the box. Often there is more than one solution.
- We clarify your options and help you decide which one seems best .
- We can prevent a foreclosure by expediting the process.
- We buy your property “as is”, regardless of condition.
- We negotiate a fair market value for you that benefits both sides.
- We pay all closing costs and agent commissions.
- We can help with other decisions or needs to reduce stress.
- We can also help you find a new home and the moving logistics.
Contact Us
Get a FREE no obligation estimate of your property’s value and your net proceeds if we buy your property. Your information is confidential.
About Joy Valentine
- Licensed Real Estate Broker, Calif. DRE # 00926827.
- Master’s degree in Social Work (M.S.W.) University of Hawaii
- Former Marriage and Family Therapist License # 6172 (Ret)