When you need cash now, but want a monthly payment

What is the
Advanced Finance Program?

  • A combination of a large downpayment and seller finance.

  • Raúl provides a downpayment of 10-50% of the property value.
    The first 10- 50% is financed by a lender that requires to be in a 1st position lien.

  • The seller will carry a 2nd position lien, seller financed, per the agreed terms.

  • Seller might net more with this deal structure because the seller will accrue interests on the 2nd position lien, and will save a lot in taxes because payments will be made over time.

  • Ideal for sellers that do not need cash now, and are willing to wait for their investments to bear more fruit.

Nancy had always dreamed of retiring to a cozy cottage by the sea. She had worked hard her entire life, scrimping and saving every penny, just so she could make her dream a reality. Finally, after 15 long years of paying off her mortgage, she decided to put her property up for sale.

As soon as the word got out, her phone was ringing off the hook with offers. But none of them were quite what she was hoping for. Most of the offers were below her asking price, and a few were for full asking price. That's when Raúl called.

At first, Nancy was hesitant to take his offer seriously. After all, she had never heard of him before, and his proposal seemed too good to be true. But as they talked more and more, Nancy began to warm up to Raúl.

He offered to pay the full asking price, but with a unique twist. Instead of paying all the money upfront, he proposed a seller financing arrangement. Raúl would pay $250,000 upfront and then the remaining $250,000 over the next 30 years.

Nancy was initially skeptical about the proposal, but Raúl explained that this was a win-win situation for both of them. Not only would Nancy be able to avoid paying taxes on the first $250,000 of the sale, she would also reduce tax payments on the remaining $250,000 and she would also earn a steady income for the next three decades, netting more than if she would sell outright.

It seemed like a risky move, but after talking with Raúl about the different risk mitigation tactics that he offered, Nancy decided to take the leap of faith. She signed the papers, and before she knew it, she had become a bank!

The monthly payments from Raúl came like clockwork, and Nancy was finally able to retire and live the life she had always dreamed of. She spent her days reading by the beach, sipping on fruity cocktails, and enjoying the warm ocean breeze.

Looking back, Nancy knew that taking that chance with Raúl was one of the best decisions she ever made. It was a reminder that sometimes the biggest rewards come from taking well advised and calculated risks.

Marta had always dreamed of traveling to Europe, but it seemed like an unattainable dream. After all, she and her husband had spent their entire lives working hard to own their property free and clear, and retirement was looming on the horizon. But when she saw a special deal on a European tour, she couldn't resist. She brought it up to her husband, who was hesitant at first, but soon warmed up to the idea of seeing the world together.

Marta began to consider how she could finance this dream trip. She had successfully invested in her 401k plan, but she knew that it would not be enough, considering this was reserved for her retirement after all. She listed her property for $500,000. That's when Raúl approached her with an offer she couldn't refuse.

Raúl was moved by Marta's passion for travel and the Eiffel Tower, and he offered to help figure out how much this trip would cost. After finding a ballpark figure of $80,000, the offer was simple: Raúl would give Nancy an $80,000 down payment for the property and agree to seller finance the rest of the equity. Marta would receive extra monthly cash flow due to the agreed interests from the sold property, save on taxes, and on top of that, enjoy her 401k for retirement.

Marta and her husband were overjoyed by this opportunity. They couldn't believe that they could sell their property and finance their dream trip at the same time. They immediately accepted Raúl's offer and began to plan their European adventure.

Thanks to Marta being open to creative financing, she and her husband were able to see the Eiffel Tower and travel all over Europe without any financial worries. They returned home with memories that they would cherish for a lifetime and the knowledge that their retirement was secure. It just goes to show that sometimes, the biggest dreams can become a reality with a little help from unexpected sources.