If your property has been on the market for more than three months, you may be tired of waiting, paying the ongoing costs of owning the property, and wondering when the right buyer will come along.

A creative financing solution may give you another option. Instead of relying solely on a traditional buyer who needs conventional financing, we may be able to structure a purchase around your specific situation.

Depending on the property and your financial circumstances, this could include seller financing, a subject-to arrangement, an installment sale, or another mutually agreed-upon structure.

Potentially, yes. Depending on your mortgage balance, interest rate, equity, and the terms of your loan, there may be creative financing strategies that could be considered.

Some transactions may involve existing financing remaining in place while the buyer makes the mortgage payments. Other situations may call for seller financing or another structure.

Seller financing may allow you to turn the equity in your property into a potential stream of monthly income rather than receiving all of the proceeds at once.

For example, you may agree to receive a down payment followed by monthly principal and interest payments over an agreed period.

The trade-off is that you may not receive all of your money immediately, and you take on risks associated with the buyer's ability to make payments. The terms should be carefully structured and reviewed by qualified legal and financial professionals.

This is where creative financing may become particularly interesting.

If you have an existing mortgage with a favorable interest rate, replacing it with a new mortgage at today's higher rates could change the economics of the transaction.

Depending on the circumstances, a subject-to strategy may be one option to explore. In this type of transaction, the buyer acquires the property while the existing loan remains in place.

It may, depending on the circumstances.

Creative financing can sometimes allow the parties to negotiate terms beyond simply focusing on the purchase price.

The purchase price, down payment, interest rate, monthly payment, and repayment period can sometimes be structured differently from a traditional sale.

A higher purchase price with favorable financing terms may produce a different financial outcome than a lower cash offer, and the opposite can also be true.

There may be ways to structure a transaction that provides you with money at closing while using creative financing for the remaining balance.

For example, a transaction could potentially involve a down payment at closing with the remaining amount financed by the seller.

The exact structure would depend on the property's value, existing liens, mortgage balance, and the terms negotiated by both parties.

Our goal is to create a transaction where everyone benefits.

You may be able to move on from a property that has been sitting on the market, potentially receive cash to help with your transition, and possibly create an additional income stream if seller financing is part of the agreement.

At the same time, our broader goal is to use real estate investment to help create more affordable housing opportunities for families who are struggling to find safe and affordable homes.