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Cash, sub-to, wrap, novation, or wholetail. I run the math, present every legal path, and you pick. Close in as little as 7-14 days. Licensed Texas REALTOR — every deal disclosed in writing.
LICENSED TEXAS REALTOR® · TREC #714808 · BROKERED BY STEPSTONE REALTY, LLC · CREATIVE FINANCE WELCOME · EVERY DEAL DISCLOSED IN WRITING
1) CASH — Fastest, lowest friction. As-is, 7-14 day close, no repairs.
2) SUB-TO — You stay on the loan, I take over payments and title. Best for behind on payments or low-equity.
3) WRAP — New buyer wraps your existing loan. Often higher net than cash, slower close.
4) NOVATION — Light renovation by me, then list. Higher net minus my cost.
5) WHOLETAIL — Quick clean-up, list as-is on MLS. Middle of speed and price.
Step 1: Tell me about your home and situation (10 min).
Step 2: I run the math on every path — cash, sub-to, wrap, novation, wholetail — and bring you side-by-side numbers.
Step 3: You pick what fits. We sign with full disclosure. Close in 7-30 days depending on path.
I'm a licensed Texas REALTOR who actually speaks creative finance — sub-to, wraps, novation, wholetail. Most agents won't touch these because they don't understand them. I do. Brokered by StepStone Realty (a creative-friendly TX brokerage). Every offer comes with a TREC-compliant license disclosure in writing. No bait-and-switch. No 'we buy houses' surprises.