We sell and rent homes we own. Discover how to move into a new home fast regardless of credit, job history or provable income... even with no money down or bank qualifying.

We're professional real estate investors. Each month we offer a list of properties we own "for sale by owner" or for rent. If you’re looking to move into a new home (or buy investment property) we can offer some very attractive and popular Buyer Programs that can help solve many of the biggest challenges home buyers face today, especially during these unpredicted economic times.

Our homes tend to go very fast so -- if we don’t have a property that you’re interested in now -- be sure to join our VIP Buyers List and be notified or called first when new opportunities become available. 

We specialize in offering several attractive and creative programs to help you quickly move into a new home you want, even if you have hard to prove income, short job history, small down payment or damaged credit.

The programs available for a property are unusually mentioned in the description when it’s added to our list of homes available. Some buyer assistance programs are not based on the property but are instead available or recommended based on your unique situation. Join our VIP Buyers List and we'll work to match you up with a property that meets you needs and desires. 

With enough consideration paid down in cash or through trade, we can be your lender and give you immediate home ownership. The amount we require down and annual interest rate on your home loan mainly depends on:

The flexibility we have with the specific property you want, and which other programs we're also applying to make our deal work for you.

Do you offer any special incentives for public servants?

We have a special place in our hearts for anyone that's a public servant and we will go to the extra mile to work with you to accomplish your dream of home ownership.

Where do you get properties?

We get properties in all around the United States.

What kind of properties do you get?

Residential, Commercial, and Land.

How much of a down payment do you require?

It depends. A lot of times, our properties have multiple people that want them so we go with the buyer that can put the most down and can pay the highest monthly payment.

What if I don't have much money to put down?

Frankly, if you have no money and very bad credit, there’s nothing we can do for you. However, if your credit is reasonably good and you have provable income, we have several programs available for you now. These programs are brand new and not widely known and are designed to help good folks buy a home with little or no money. 

Do I need to have good credit?

No. But you can't have horrible credit either. If you aren't paying your bills on time right now, this isn't a good fit for you. If you went through a rough patch in the past but pay your bills on time now, we can probably help you.

You’ll be glad to learn that you actually can buy a home with damaged credit. In fact, it’s quite common. To do so often requires a flexible seller who is willing to help finance part of your purchase price. You see, there are a lot of lenders who specialize in financing homes for folks with credit problems. To reduce their risk, they may simply reduce the amount they loan. This means the buyer must have a big down payment or the seller must be willing to finance the difference on a second mortgage. Getting you a loan is generally not a problem, however finding a flexible seller who doesn’t need all their cash immediately, may be more difficult. We also work with a great company to clean your credit score to get you qualified for a loan and at a better rate. 

How much home can I afford?

You may be surprised to learn how much of a home you can afford. Generally accepted standards say your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (that’s before income tax) for you and your spouse. Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc. You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc. If an item doesn’t show on your credit report, it probably won’t count against you as a debt. 

It's hard to verify my income, what are my options?

If you feel you can’t buy a home, because you can’t verify your income, think again. Some of our happy customers felt the same way before contacting us, but they found themselves in the home of their dreams within 30 days. There are several little known ways to verify income and many loans available that don’t require it. In fact, income verification is one of the easiest problems to fix in the home buying process. We can also lease you the home until you can verify your income. 

Is there a balloon?

We generally give you 1 year to cash us out.

Do you offer a lease option program?

We can sell with true owner financing or on rent to own. If you have a good-sized down payment, we can do true owner financing. If your downpayment is a little light, a lease option might be a good fit. Are you tired of making monthly rental payments? Think of all the money you’ve wasted in rent over the last few years. What do you have to show for it? Homeownership may seem to many to be an impossible dream. Paying rent or trying to secure a mortgage with a low paying job or bad credit history, are only a few of the obstacles that make buying a home seem so difficult. 

With our unique “Lease Option” program you can realize your dreams. The “Lease Option” program allows you to lease and occupy a home – while at the same time building equity towards the sale price that we set the day you sign the “Lease Option” agreement. This way, you enjoy the pricing and value of ownership today even though you won’t actually purchase the home until later. Plus, you also know that the work you do in the home will not be wasted when the lease is over and all the money you spend on materials can be applied to your down payment. 

Best of all, through this program, while you’re living in your home of the future, you’re also building equity, improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.

This unique program truly makes homeownership a possibility for anyone with something to work with. Read the Q & A concerning our Work For Equity Program beside this letter. 

Is your financing short-term?

Yes, it is. The goal of buying this way is to help those who might have some credit blemishes now and can't qualify now to be able to get into a home now and work on their credit in the next 12 months so that they can refinance. Bad things happen to good people. Upon request, we can establish a payment history by having us report your rent or house payments to a credit bureau. Second, when you’re ready to buy or refinance your home, we can provide a rent or mortgage verification report to your lender that can help get your new loan approved. Finally, whether you "rent until close" or buy with owner financing, we can give you the time you might need now to:

• Clear up marks on your credit report
• Take care of outstanding bills
• Establish more time on a job
• Prove self-employment income
• Cash out of an investment
• Sell your current home
• Or whatever else time will do for you

Is Now a Good Time to Own?

What are you waiting for? For home prices to settle down, or take off? Good economic times? Changes within the government? Stock market to rebound? It could be a long wait. Who knows? We believe responsible home ownership is still the American dream. Whether you rent until close, buy with owner financing or get a new bank loan now... the benefits of buying a home usually outweigh any reasons for spending your hard earned income just on rent.  When you buy from us you can...

• Fix up your home -- how you want
• Build equity each month -- even if renting until you close later
• Receive bigger tax refunds -- by deducting mortgage interest
• Lock-in the purchase price -- for potential appreciation
• Build, improve or establish your credit And more!

Do You Trade for Equity or the Down Payment?

We doubt you’ll ever find a more flexible and creative seller than us! What do you got to trade? Do you own another property you want to sell? We buy and trade houses! Do you have real estate equity you’d like to tap into without selling? Perhaps we can use that. Do you own real estate notes, gold or other cool stuff we might want? We’ll consider anything that’s desirable and of value to us -- including professional services, vehicles, etc. First find a home you want from our list available homes and let’s talk. If we don't have one you're interested in now.

Can We Work Off our Downpayment?

Interested in a fixer upper? Our Sweat Equity Program might be for you! When we have a home that needs work to make it real nice, many times we can offer a "limited-window" for you to buy or it "as is" before we fix it up. The property may need cleaning... or carpet and paint... or a whole lot more. This is a great opportunity to build equity or down payment doing the work yourself -- or hiring our own contractors.  Complete the repairs or remodeling before you move in, or sometimes after. Plus… you’ll get to fix it up how you want... a nice option since it will be your home! 

Do You Offer Any Other Down Payment Assistance?

Do you have little or no money to put down to buy a house? Depending on the property (and your situation) we might be able to let you build up a down payment over time. Then you'd rent the home until you close with traditional bank financing or with our flexible owner financing. We also offer the Sweat Equity and Trading for Equity programs below....

Go here to find owner financed properties available in your area.