Creative Finance for Realtors

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Creative finance is a critical tool for navigating market instability. Would you rather learn it all for yourself, or get paid for knowing an expert?

We help realtors turn trash into cash. Do you have a "deal" with one of the following issues?

Low equity

No equity


Interest rates blocking buyers

Slow/Winter season

Won’t pass inspection

Unfinished rehab

Needs major renovations to sell

Stale or expiring listings

Expired listings

Expiring lease options


Liens and judgments

Short timelines

And more

Creative Strategies

The following is not an exhaustive list, but are the most common strategies Creative TC facilitates.


In a typical subject-to transaction, the buyer allows one or more mortgages to stay in place and agrees to make those payments on behalf of the seller. The parties acknowledge the due-on-sale clause and sign the additional paperwork Creative TC brings to the closing to ensure that the deal not only closes, but that it's smooth and successful for years to come.

The property transfers to the buyer, but the mortgage stays in the name of the seller and on the seller's credit report.

Did you know every transaction is some form of subto? Consider all the rights-of-way, water rights, utility easements, etc... every property is ultimately bought subject to those encumbrances.

But isn't subto illegal? Is it illegal to sell a property subject to the mortgage?

Nope. Technically it's a default of the mortgage contract. That means the lender has the option to call the loan due-on-sale (extremely rare), and if the borrower cures the default, the lender must continue/reinstate the mortgage.

We have multiple strategies for handling a due-on-sale, and it doesn't scare us a bit.

Seller Finance / Seller Carry

Sellers either want or have to finance their equity to their buyer, and a promissory note and mortgage are created for the debt.

This can be combined with subto, making it a hybrid wherein the seller's equity is secured as a 2nd position lien for the Buyer.

Wraparound Mortgage

Wraps are a form of seller finance one or more underlying liens are rolled into a single, all-inclusive note and mortgage which has it's own interest rate. The underlying liens are listed in the documents and are paid on schedule, and what's left after the other payments goes to the seller/investor as profit.

Novation (“agreement to rehab and sell” - similar to Net Listing)

It's all in the name: Agreement to Rehab and Sell.

The buyer brings funds and labor, fixes up the property without buying it, and then sells the property. Typically, the buyer makes all mortgage payments from the contract until the closing (30-180 days). The seller usually gets paid a flat dollar amount and/or a percentage of the sales price.

This strategy significantly reduces expenses to flippers who would otherwise have to borrow funds for the purchase as well as the rehab.

How to leverage your commission for more cash

Private Money Lending

We've helped lenders get up to 60% interest on deals we're working.

Don’t waste your commission checks → Make that money work for you! Put it to work in our creative deals.

We're connected with private money

We're LOOKING for private money

Get involved and see creative deals from the inside!

True Stories: PML deals we've been involved in

  • Seller on a seller finance deal is banking $25K and now ready to lend up to $15K back to us at 8%

  • Friends and family lent $65K at 14% for 6mo

  • A lender gave us a line of up to $75K from a self directed IRA (SDIRA) for a flat fee of $1,000/mo with a minimum of 3mo (or 16% interest)

  • An associate from Creative TC lent $21K 10% flat/total return in 60 days (that’s earnings of $2,100, or 60% annualized interest rate)

  • Caleb has $95K of private money on a house at 6% interest-only for 5 years (that’s $475/mo)... on a house he got paid to buy and which cash flows $hundreds per month Video: How I got paid to buy a house! Caleb's First Creative Deal: an Interview with Pace Morby

  • Clients lent $15K for a $30K payback

  • We helped a Buyer and Seller arrange for a $50K loan to be paid back as $100K in 45 days

  • Another PML lent $87K to be paid back $112K in 8 months

  • People with low interest HELOCs are leveraging those lines of credit to re-lend on secured real estate assets, making money on borrowed money