Acquisition Criteria

Our Buy Box

If you're an agent or wholesaler bringing us deals, here's exactly what we buy and how. Match these and we'll move fast — with your full commission paid at closing.

✓ What we buy

  • Single Family, Duplex, or Multi-Family
  • Max purchase price $600,000 (NV up to $650,000)
  • Minimum 3 bedrooms
  • Minimum 1.5 baths
  • Minimum 1,100 sq ft
  • Built 1950 or newer (TX: 1980+)
  • Existing loan rate ≤ 5% preferred (for Wrap)
  • Rent-ready / turn-key / minimal or cosmetic repairs

✕ Disqualifiers

  • Adjacent to commercial, or commercial / mixed-use
  • Significant repairs needed
  • Rural (more than 40 miles from a city center)
  • HOAs or age-restricted communities
  • Solar liens
  • Reverse mortgages, HELOCs, or ARMs
  • Flood zone / uninsurable property
  • Arrears above $20,000
What we bring

Entry cost under 10% of purchase price

Our money into the deal at closing typically covers all of this:

Cash to Seller

Full Commission

Paid at closing

Closing Costs

Arrears

How we structure

The right method for each deal

Stack Method

New loan pays off existing mortgage

A new DSCR loan pays off the existing mortgage in full at closing. Seller gets cash at closing and carries remaining equity as a subordinated 2nd note.

  • No interest-rate requirement
  • Best for 0–85% LTV
  • Seller walks clean, no lender risk
Hybrid

Cash + seller carry + take over loan

Cash to the seller and a seller-carried note for the remaining equity, plus we take over the existing low-rate loan.

  • Loan rate under 5% (kept)
  • Best when the rate is worth keeping
  • Seller gets note income
Wrap

Wrap the existing financing

Buyer takes title with a new note that wraps the existing loan terms. Payments are routed through a licensed servicer.

  • Loan rate under 5%
  • Best for high LTV (85–100%+)
  • No new financing needed
Where we buy

Markets & counties

Tap a state to see the exact metros and counties we're buying in.

🤠 Texas — up to $600K · built 1980+
DFWWacoAustinSan AntonioHoustonEl PasoLubbockCorpus Christi
🏔️ Colorado — up to $600K
Denver CountyEl Paso CountyPueblo County
🌴 Florida — up to $600K
TampaDestinJacksonvilleDaytonaFort Myers
🎰 Nevada — up to $650K
Clark County (Las Vegas)
🎸 Tennessee — up to $600K
Davidson CountyRutherford CountyMontgomery CountySevier CountyKnox County
🧀 Wisconsin — up to $600K
Milwaukee CountyWaukesha CountyWashington CountyOzaukee CountyRacine CountyKenosha CountyWalworth CountyJefferson CountyDodge County

Have a deal that fits?

Send it over and we'll come back fast with a structure and an offer — commission included.