When it comes to selling your property there are many ways to sell your home
Let us help you find the right solution to lift the burden you may be carrying
Cash Sale
Selling a house for cash or with a hard money loan is the easiest and quickest route, allowing you to bypass lengthy processes, avoid repairs, and close fast.
Benefits include:
- Less chance of a deal falling through
- Quick close (typically less than 30 days)
- Less stress
- No appraisal
- As-is sale without the need for repairs
- No warranty or certifications issued by the owner
- Removes many hurdles that conventional sales require
- You won’t have endless showings with tons of people trekking through your house
Seller Financing
Using this method, you sell your property to the buyer on terms, where the purchase price is paid over time through monthly installments.
Benefits include:
- The possibility of a higher-priced sale
- A good source of cash flow
- Savings on closing costs
- Significant savings on capital gains tax
- Faster closings
- As-is sale without the need for repairs
- All terms are negotiable (down payment, interest rate, length of repayment, balloon payments)
Subject-to or “Sub-to”
In this scenario, the buyer takes over your existing loan payments which is often a great option if you’re in financial trouble or if you have low equity and selling your house will cost you money to close. You can then walk away from the property knowing that the payments, taxes and insurance are being taken care of.
Benefits include:
- No closing costs, origination fees, broker commissions, or other costs
- Avoid foreclosure
- Repair your credit
- Plus, many of the same benefits as seller financing
Hybrid Model
A creative financing structure that combines two (or more) methods—most commonly Subject-To and Seller Financing when the seller has higher equity on the property.
A hybrid deal usually involves:
- Subject-To (SubTo): Taking over the seller’s existing mortgage payments without formally refinancing the loan in your name. The loan stays in the seller’s name, but you agree to make the payments.
- Seller Finance: The seller finances the remaining equity owed to them, often through a seller note or seller-carry balance. This covers the equity above the existing mortgage or helps bridge the gap between the mortgage balance and the total purchase price.
With a hybrid, you’re combining the advantages of both: leverage the existing debt and still fulfilling the seller’s equity or payment demands.