Investment Properties

Multifamily, land & portfolios

Buy or sell income property with creative finance. Less capital, negotiated terms, and documented protection — whether you're acquiring your second door or your two hundredth.

What it is

What this option is

The same creative structures used on houses, applied to income property — on either side of the deal.

  • Multifamily — acquire duplexes through apartment buildings with seller-carried notes instead of agency debt.
  • Land — buy or sell acreage and lots on terms, with payments that match your development timeline.
  • Portfolios — package multiple doors into one negotiated note and one closing.
  • Section 8 — acquire and hold housing-voucher rentals with government-backed rent paid on time, directly to you.
  • Fix & flips — buy distressed property on terms, renovate, and resell; our in-house handyman division does the work.
  • Sellers of investment property can carry paper to defer taxes and collect steady interest income.
Benefits

Why it's beneficial

Terms let you deploy less cash per deal and keep moving while others wait on lenders.

  • Lower capital needed to control an asset
  • Flexible terms — interest-only periods, step-up payments, seasonal schedules
  • Faster closing, which wins competitive deals
  • Easier scaling — your growth isn't capped by a lender's exposure limits
  • Section 8 delivers stable, subsidized rent and longer tenancies
  • Fix & flip on terms keeps your cash in the renovation instead of the down payment
Protection

How it protects you

Investment-grade deals get investment-grade paperwork.

  • Recorded documents securing the note against the property
  • Proper legal structure — entity ownership, title work, and assignment language reviewed before closing
  • Insurance requirements sized to the asset and written into the agreement
  • Clear payment terms: amount, due dates, escrow handling, balloon, and payoff
Comparison

Why it's better than bank loans

Commercial lenders limit how fast you can grow. Seller terms don't.

  • No DTI limits
  • No cap on the number of properties you can hold
  • No strict underwriting or reserve requirements
  • No appraisal delays or lender-ordered re-trades
  • Better rate on the asset — commercial and residential debt sits near 7%; seller terms are negotiated, so your monthly payment can land far lower
  • No huge capital upfront — down payment, interest, and schedule are all negotiable
  • No hard money loan, no double-digit interest, and no 6-12 month payoff pressure on a flip

Flipping or Renovating? Our handyman division can help you with that!

Our handyman division handles renovation, repairs, roofing, gutters, and full reconstruction for flippers and investors around Ponte Vedra Beach, Jacksonville, and within 50 miles — so one team structures the deal and fixes the property.

Investor Intake

Investor Intake Form

Tell us your buy box or what you're selling, and we'll structure it.

FAQ

Frequently asked questions

What is creative finance in plain English?

Instead of a bank writing a new mortgage, the buyer and seller agree on the price, down payment, interest rate, and length themselves. Everything is written up and recorded by a title company or attorney, so both sides are protected.

Is this legal?

Yes. Seller financing, subject-to, wraps, and lease-options are standard real estate tools used every day. We use recorded documents, licensed title and escrow, and written disclosures on every deal.

Do I need good credit or a big down payment?

Credit matters far less than it does at a bank, and down payments are negotiable. Bank loans are currently around 7%, and creative finance often means lower monthly payments without a huge chunk of capital upfront or a hard money loan.

What areas do you work in?

Our handyman and in-person work covers Ponte Vedra, Jacksonville, and within 50 miles. Creative finance deals we do nationwide.

Why do the intake forms require a payment?

Paid intake keeps out spam and non-serious inquiries so our team spends its hours on real buyers and sellers. Every paid intake includes a 30-minute to 1-hour follow-up consultation where we review your situation, confirm the numbers, and polish your position.

What does the $28 Strategy Call include?

A focused 30-minute to 1-hour consultation, a structure recommendation, and a written next step. It is non-refundable. Buyers can upgrade to the $280 active-search option, and Deal Structuring is $280 with a $200 refund if a deal is not finalized within 60 days.

How long does a creative finance deal take?

Most deals close in two to four weeks once terms are agreed, because there is no bank underwriting queue. Timelines stretch only when title issues, tenants, or liens need clearing.

Can you renovate the property too?

Yes. Our in-house handyman division handles renovation, repairs, roofing, gutters, outdoor reconstruction, and full home reconstruction — including fixing properties for flippers and investors.

What is the tennis or golf consulting offer?

Completely optional: we meet you on the tennis court ($128 per session) or the golf course (you cover the tee time plus $80 for my time, nine holes) and consult on your deal there. Ponte Vedra and within 50 miles only.

How do I get started?

Book the introduction call on our home page, or fill out the intake form on the page that matches what you need. You can also email our handyman division with general questions.

Optional · DC Bond & Mr. Lord Barley Consulting Special Offer

Get your quote while exercising

Prefer to talk business somewhere better than a desk? We'll meet and consult you on the tennis court or golf course of your choice — deal structure, pricing, and advisory discussed between sets or holes. Completely optional, and available around Ponte Vedra within a 50-mile radius only.

Tennis Court Consulting

$128 / session

Your club or court. We walk through your deal, scope, and numbers between games.

Golf Course Consulting

Tee time + $80 / session

You cover the tee time and add $80 for my time — nine holes, one clear plan.

Ponte Vedra & within 50 miles only · Subject to availability