Full 3% commission, paid from our down payment at closing. Close in about 20 days — no bank, no appraisal. Send the listing — we'll send a written offer the same day.
Paid from our down payment at closing.
$0 from your seller at closing
Close in about 20 days
Written offer in 24–48 hours
No financing contingency, no appraisal contingency
Monthly third-party verification on every payment
We close on title and hold — not assigned to an investor network
No fee, no haircut, no "creative" claw-back on your commission
Once we have the address, the existing-loan basics, and the seller's situation, Paul or David reads the file. If the structure works, you get an LOI in writing within 24 to 48 hours.
You present the offer the way you'd present any other. We don't bypass you, we don't bid your seller through a back channel, and we don't ask you to give up the listing.
We work with licensed local title professionals at closing in your state. The seller's attorney is welcome on the seller side. We commit contractually, in the closing documents, to keep every monthly payment current with third-party servicing that sends the seller written verification each month.
No bank application, no appraisal contingency, no underwriting committee. The mortgage that funds the deal is already there, so the timeline comes down to title work and your seller's schedule.
A real-deal-shape preview. We name the numbers in the first message because that's the only way an agent can present to a seller without a second round of qualifying.
A typical offer names: purchase price, the existing mortgage balance and rate we're taking over (subject-to existing mortgage takeover — Subject-To for short), the down payment we're paying at closing, the commission line (your full 3%, paid from our down payment), the close timeline, the $0 due from your seller at the closing table, and the seller protections written into the closing documents.
Your 3% is paid from our down payment at closing. No haircut for "cash buyer convenience." No "we'll cover your side only." The commission is the commission.
We typically pay full market value because we take over the existing loan instead of paying cash. The cash-buyer discount math doesn't apply to our offers.
Your seller pays nothing at the closing table. The number on the offer is the number that lands in your seller's pocket — no buyer-side fees passed through, no last-minute deductions on the closing statement.
No financing contingency, no appraisal contingency, no last-minute rate-lock collapse. The mortgage that funds the deal is already there.
Third-party loan servicing with monthly written verification to the seller. Positive credit tradeline as on-time payments continue.
We don't assign your contract to an investor network. We close on title and we hold the property.
We don't teach Sub-To. We close Sub-To deals.
We don't run the "we'll inspect and reduce" playbook.
Share the address and your role (agent or owner). We'll come back within a business day with deal math in writing — no pressure, no obligation.
$0 fees · $0 commission · close on your date