We take over your mortgage and other debts. You get cash in hand. We fix up your house and sell it for more, sharing that extra value with you.
Here's exactly what you'd get with each option. No confusion, no hidden fees.
Put your house on the market the traditional way. This is for comparison only — we don't offer this service.
Why the Discount?
Your house needs paint, floors may be worn, and buyers will want you to fix things. They'll offer 15-20% less because of this.
Takes 3-6 months
10-30+ showings
You pay all fees
We buy your house with cash. No financing needed. We pay less because we're taking all the risk ourselves.
Why We Offer Less
We have to pay for repairs ($20K-$30K), hold the house while selling, and make a profit. That's why we offer 70% minus repair costs.
Close in 7-30 days
No showings
We pay closing costs
We buy your house Subject-To — we take over your existing mortgage and any other debts. You get cash at closing and walk away. Here's exactly what happens:
Here's Exactly What Happens
At closing: We buy your house Subject-To the existing mortgage. We take over your mortgage payments AND pay off your other debts (solar, etc.) directly. You receive $65,000 cash. You walk away free and clear.
60-90 days later: We use our own money to renovate the house. Then we sell it to a new retail buyer. That sale pays off your original mortgage. Your name comes off completely. Done.
Closing
You get $65K cash
60-90 Days
We renovate & sell
Done
Name off mortgage
Close in 14-30 days
No showings while you live there
We handle everything
This isn't some complicated investment strategy. It's a simple way to get more money in your pocket without the hassle.
Got orders to move? You're not relying on selling this house to buy your next one. You need out now, you need cash in hand, and you don't want to deal with showings or repairs from halfway across the country. We take over, you move on.
Done being a landlord? Got an old house you don't want to renovate or manage anymore? You've been dealing with tenants, repairs, and headaches for years. Now you can walk away with cash in hand and never worry about it again.
Here's the thing about cash offers: they have to be low because investors like us usually have to bring in expensive financing to buy houses. That means less money for you.
But with Subject-To, we don't need any financing. We take over your existing mortgage — whether the rate is high or low doesn't matter to us. We take that over, give you cash at closing, then we put our own money into renovating the house.
Since we're not paying for expensive financing or a big down payment, we can pay you significantly more than a traditional cash offer. You're leaving money on the table if you take that lowball offer.
Investor has to finance the entire purchase plus pay for repairs out of pocket. That's expensive. So they offer you 70% of value minus repairs.
$185,000
You get less because their costs are higher
We take over your mortgage. No financing needed. We put our money into renovations instead. More value for you.
$250,000
$65,000 more in your pocket
Since you're not relying on this sale to buy your next place, you have options:
You get MORE cash because we're not paying for expensive financing. We take over your low mortgage, give you cash now, renovate the house ourselves, and sell it. Everyone wins.
Need to Sell Fast
Don't want to wait 3-6 months
Can't Afford Repairs
House needs work you can't pay for
Military PCS
Moving for work, need out fast
Enough Equity
House is worth more than you owe
No Showings
Don't want strangers walking through
Not Enough Equity
You owe more than the house is worth
Ready to see which option works for you?
Get Your Cash OfferEverything you need to know about selling your house without listing it.
Instead of paying off your mortgage like a traditional sale, we simply take over your payments. We assume ownership of your house, take over your mortgage and any other debts (like a solar loan), and give you cash at closing.
You don't have to come up with money to pay off your loan — we handle it by taking over the payments.
A regular cash investor has to pay for everything upfront and make a profit. They have to discount your house heavily to cover repairs, holding costs, and their profit margin.
With us, we don't need as big a discount because we make our money by fixing up the house and selling it for more. That means more money in your pocket than a regular cash offer.
Yes. Taking over someone's mortgage is completely legal in Texas. It's been done for decades.
Your lender technically has the right to call the loan due, but they rarely do this when payments are being made on time. We work with licensed Texas real estate attorneys to make sure everything is done properly.
Subject-to transactions are recognized under Texas Property Code § 5.069 and have been standard practice for many years. Our transactions are handled by licensed attorneys in compliance with Texas Real Estate Commission (TREC) guidelines.
Since we take over your mortgage, the loan stays in your name for a while. Here's what that means:
We can often take over second mortgages, home equity loans, or other liens — it depends on the numbers. We'll analyze your specific situation and explain exactly what we can and cannot assume.
Some debts work well with this approach, others don't. We'll give you a clear answer upfront.
14-30 days from offer to closing — much faster than listing with a realtor (3-6 months).
We can work with you on timing:
We'll find a solution that works for you.
There are a few things to know:
We minimize these risks by making timely payments and working to get the loan paid off as quickly as possible.
From offer to cash in hand — we make it easy.
Fill out our form or call us. We'll look at what you owe and what your house is worth.
We'll tell you exactly how much cash you'd get and what we'd pay off on your behalf.
In 2-4 weeks, we take over your mortgage, pay off your debts, and you get cash.
We fix up your house and sell it. Your debts are paid. You have cash in hand.
There's no obligation. We'll look at your situation and tell you exactly what we can offer.
Get Your OfferOr call us directly: (726) 207-3130