Zero cost to the seller — the buyer pays all program fees. You keep 100% of full appraised value.
No traditional mortgage required. We structure an Owner Finance Agreement to get you into a home now.
All transactions comply with the Dodd-Frank Act. Every deal is fully protected and legally structured.
If you're a seller who refuses to accept less than your property's full appraised value — and rightfully so — this program was built for you. No lowball offers. No price reductions. You get what your property is worth.
Our team finds a pre-screened, motivated buyer who is genuinely interested in your property and ready to enter into an owner finance agreement.
We structure a 12-month interest-only Owner Finance Agreement. Your property immediately becomes an income-generating asset — payments start right away.
You receive monthly interest-only payments for up to 12 months while the buyer undergoes credit repair and arranges conventional financing.
The buyer refinances into a conventional mortgage and you receive every dollar of your property's appraised value at closing. No reductions, no compromise.
That is not a deal-breaker. Simply review your listing agreement to determine if there are any cancellation fees or we can have the realtor paid in full as per your contract with the listing agents broker when the client refinances. We are happy to work with you to negotiate those terms so we can still move forward and get your property SOLD at full appraised value.
Explore our current listings and find a home that fits your family's needs and budget. Filter by price, bedrooms, and financing availability.
Fill out a brief inquiry form on the listing page. Tell us about your situation, income, down payment availability, and timeline. No credit pull required to start.
Our team reviews your application and structures a customized Owner Finance Agreement. No bank approval needed. We create a path to homeownership directly.
You move into your new home and begin making monthly interest-only payments directly. We are Dodd-Frank Act compliant — you are fully protected throughout.
Within 12 months, with our credit repair support, you refinance into a conventional mortgage. You officially become the homeowner — your name on the deed.
Been turned down by traditional lenders? You're not alone — and you're not out of options. Our private money solutions give credit-challenged families a real path to owning a home.
See how our program stacks up against the traditional home buying and selling process.
| Feature | Our Owner/Buyer Program | Traditional Mortgage Process |
|---|---|---|
| Bank Approval Required | Not needed | Required |
| Credit Score Minimum | No minimum to start | Typically 620+ required |
| Time to Close | As fast as 3 days | 30–60+ days typical |
| Income Documentation | Flexible documentation | W-2s, tax returns, strict underwriting |
| Seller Gets Full Appraised Value | Yes — guaranteed | Often requires negotiation or reductions |
| Cost to Seller | Paid at closing | Realtor commissions (3–6%) |
| Self-Employed Buyers Accepted | Yes | Very difficult — extensive documentation |
| Legal Compliance | Dodd-Frank Compliant | Regulated |
| Credit Repair Support | Included | Not provided |
Sidelia Investments offers a full range of real estate financing solutions for buyers, sellers, and commercial investors.
Full appraised value. Zero cost.
No bank. No perfect credit required.
Still have questions about the program? Here are the most common ones we hear from buyers and sellers.