Frequently Asked Questions

We specialize in three primary structures: seller financing, the Mortgage Takeover Trust Acquisition Method, and hybrid structures that combine both. Each is designed to create flexible, clearly documented solutions that can benefit all parties involved.

Yes. These transactions are legal and commonly used in real estate. We structure all agreements with proper documentation and in alignment with established lending practices. We also encourage all parties to seek independent legal and financial advice before proceeding.

A traditional sale typically requires a buyer to obtain a new loan and pay off the seller's existing mortgage at closing. Our approach allows for more flexibility by structuring terms that may avoid immediate payoff while still maintaining clear agreements and defined responsibilities.

In certain structures, including the Mortgage Takeover Trust Acquisition Method, the existing mortgage may remain in your name. However, responsibility for making payments is clearly defined and transferred through documented agreements.

In many cases, yes. With proper documentation (such as a lease agreement and proof of rental income), lenders may allow rental income to offset your existing mortgage when qualifying for a new loan, even without prior rental history.

Most mortgages contain a due-on-sale clause, giving the lender the right to call the loan due if ownership changes. While this clause exists, these transactions are structured with an understanding of how lenders typically evaluate performing loans and documented agreements.

Agreements clearly define responsibilities and protections. As with any transaction, risk exists. Our structures are designed to mitigate them through documentation and controls. If a payment is missed, a deed in lieu of foreclosure can be used based on the governing agreement.

It depends on structure. Some transactions provide partial upfront proceeds, while others distribute equity over time through structured payments.

Yes. Commissions are preserved and paid according to agreed transaction terms, consistent with standard deal documentation.

These structures can help when a property is not attracting strong traditional offers, when maximizing price is important, or when flexibility in timing and payments is a priority.

It can be different, but not necessarily more complicated. The primary difference is structure. We manage communication, documentation, and coordination to keep all parties aligned.

We use clear documentation, defined roles, and trust-based oversight where applicable. Independent legal and financial review is encouraged so parties fully understand the agreement before closing.

A trust-based structure provides organization, documentation, and clear role definition. It can also align with how lenders verify ownership interests and borrower eligibility.

Not always. Many structures are designed to reduce reliance on traditional financing and can be tailored to lower upfront capital requirements, depending on the deal.

Payment structures are deal-specific but clearly defined in writing. Payments may go directly to the seller, toward an existing mortgage, or both.

These structures are often suitable for properties with existing financing, properties with equity, and situations where flexibility is needed to reach an agreement.