FLEXIBLE WAYS TO SELL

Creative Financing Options

for Southern California Homeowners

RealHomeRelief works directly with homeowners to explore alternatives when a traditional listing may not fit the property, timeline, or situation.

Depending on the property, mortgage, equity, and your goals, we may explore Seller Financing, a Lease Option, Subject-To, or in some situations, a cash purchase.

Every property is reviewed individually. If there’s an option worth discussing, we’ll explain how the proposed structure works and what to consider before you decide whether to proceed.

Request a Property Review

No obligation to proceed.

Personalized Property Review

Every property situation is different.

We review each property individually, considering factors such as the property condition, ownership and title, mortgage and equity position, occupancy, timeline, and what you’re trying to accomplish.

The goal of the review is to understand the situation and explain which options may realistically apply before you decide whether to move forward.

Clear information. Realistic expectations. No pressure to proceed.

Options We May Explore

Depending on the property and your circumstances, different purchase structures may be worth discussing.

Seller Financing

A sale may be structured so that you receive agreed payments over time rather than the entire purchase price at closing.

Depending on the terms, this may provide flexibility for homeowners who do not need all proceeds immediately.

Important: Seller Financing involves payment, servicing, default, documentation, and potential tax considerations that should be understood before proceeding.

Lease Option

A Lease Option allows the property to be leased for an agreed period with an option to purchase under agreed terms.

This may be worth discussing when a longer transition is needed or an immediate purchase is not the right fit.

Important: A Lease Option is not a completed sale. You generally remain the property owner until the option is exercised and the purchase closes. There is no guarantee the option will be exercised.

Subject-To

In a Subject-To purchase, ownership transfers to the buyer and the buyer makes payments on the existing mortgage, while the loan generally remains in the seller’s name.

This may be worth exploring in certain situations involving an existing mortgage or limited equity.

Important: The original borrower generally remains responsible to the lender. Missed payments can affect the seller's credit, and the loan may contain a due-on-sale provision.

Cash Purchase

In some situations, a straightforward cash purchase may be the better fit.

The property is reviewed in its current condition, and any proposed purchase terms are explained before you decide whether to proceed.

A cash purchase may be useful when simplicity, timing, or avoiding a traditional listing are priorities.

Not every property or homeowner situation is a fit for every option. Each property is reviewed individually,

and any proposed structure is explained before you decide whether to proceed.

What We Consider During a Property Review

Every property is reviewed individually. We look at the details that can affect which options may realistically apply, including:

Property condition and repair needs
Ownership, title, probate, and lien considerations
Mortgage balance and equity position
Occupancy or tenant situation
Your timeline and what you’re trying to accomplish
Other property or transaction-related circumstances

Not every situation is a fit for every option. The review helps us understand what may be worth discussing before you decide whether to move forward.

A Clear Process From Review to Next Steps

Every property is different, but the review process is designed to stay clear and straightforward.

Step 01

Share Property Details

Tell us about the property, your timeline, and what you’re trying to solve. You don’t need to have every detail to get started.

Step 02

We Review the Situation

We look at the property, ownership, title, mortgage, equity, condition, occupancy, and timing to understand what may realistically apply.

Step 03

Explore Your Options

Depending on the situation, we may discuss Seller Financing, a Lease Option, Subject-To, or a cash purchase.

Step 04

Review the Proposed Structure

If there’s an option worth discussing, we explain how it works, the proposed terms, and important considerations before you decide whether to proceed.

Step 05

Agreement & Next Steps

If you choose to move forward, the agreed terms are documented in writing and the transaction proceeds according to the structure selected.

If a purchase moves to closing, closing is completed through a licensed escrow and title company.

Ready to Explore Your Options?

Share a few details about your property and situation.

We’ll review the information and determine which options may be worth discussing.