SEED DECK · INVESTOR BRIEF
Owner-Finance Real Estate · The Buyer-Powered Marketplace
The Zillow of Owner Finance.
Two groups are desperate to reach each other. Buyers with cash and income the banks still reject, and sellers who cannot move their homes in a frozen market. We are the only place they meet.
Uber did not own the cars.
Airbnb did not own the homes.
We do not own the real estate. We own the buyers.
Every great marketplace found two sides that could not reach each other and built the bridge, then stocked it with demand before supply ever showed up. In owner-finance real estate, that bridge does not exist yet. We are building it.
Drivers and riders who could not find each other.
Spare rooms and travelers, matched at scale.
Everyday people, finally let into investing.
Cash-ready buyers and stuck sellers, united.
A market frozen on one side.
A pile of cash on the other.
Sellers cannot sell.
Existing-home sales bottoming.
- Existing-home sales near 30-year lows. About 1 in 3 listings is cutting price.
- Locked into cheap 2-4% loans. Owners cannot list without losing their rate.
- Motivated, but no buyers. Almost none can find a qualified buyer at today's rates.
Buyers cannot qualify.
Americans locked out of conventional mortgages.
- ~83M with subprime FICO under 670. Auto-rejected before income is even reviewed.
- ~32M credit invisible or unscored. Thin files, immigrants, cash earners (CFPB, 2025).
- 27.7M full-time self-employed and 1099. Write-offs shrink bankable income; $400K of revenue underwrites as $80K.
- Income is not creditworthiness. The Fed found an income-to-credit-score correlation of just 0.27. 1 in 3 households earning $250K+ live paycheck to paycheck.
Two highly motivated sides. No trusted bridge between them. Until now.
Thrives in any market.
Dominates in this one.
When the market is hot, sellers stack premiums and buyers stretch into homes a bank would never approve. When it cools, sellers reach for creative terms to keep deals moving. Either way the deal closes, and the economics work for everyone.
Sellers cash out on their terms.
Sell in a frozen market, often as-is, and cash out in as little as five years at a price today's market will not support with a mortgage.
Above market rent.
It is a purchase, not a lease. Monthly payments run well above rent, with no maintenance, vacancy, or repair costs. The buyer owns those.
A proven, growing niche.
Seller financing is already a resilient market that becomes more relevant precisely when bank lending tightens.
NAR · J.P. Morgan · Note Investor · 2025-26
Everyone else sells visibility.
We sell access.
Zillow, the MLS, and listing sites show your home and wait. We do the opposite. We acquire buyers first, organize them into city-specific pools, and hand sellers direct access on day one.
The old model
Everyone elseOur model
We flipped itWe do not wait for buyers to find the property. Sellers reach buyers who are already searching their city.
A huge, fragmented market with no trusted brand.
Owner finance is not new. But no one has built the brand for it. It has been left to scattered individuals and risky channels.
Completely fragmented.
Of seller-financed deals come from individual, one-time sellers. Not institutions. No Zillow, no incumbent, no standard.
It lives on Facebook.
Buyers and sellers transact in groups and DMs, where scams and fraud are rampant and trust runs low.
Millions would, if they knew.
Most people have never heard owner financing is an option. Our ads are the first time they are seeing it, and they are flooding in.
Note Investor Seller Financing Report · 2025
Buyers raise their hands.
Sellers reach them instantly.
- 1Browse owner-financed homes
- 2Apply for free
- 3Join their city's buyer pool
- 4Share income, down payment, timeline and location
- 1List a property for free
- 2Get applications and matches in days
- 3Unlock direct access to the local buyer pool
- 4Choose how many buyers to contact
The seller instantly sees active buyers.
A seller lists a home and instantly sees active buyers with down payments, income, and buying timelines, then unlocks exactly as many as they want.
We acquire buyers for ~$2.50. Sellers pay up to $2,600 to reach them.
Paid Acquisition
Always-on campaigns building city buyer pools nationwide.
Organic That Spreads
Our social content is taking off on its own. Buyers arrive for free.
SEO and AI Search (next)
Capture everyone Googling and prompting AI for owner-financed homes.
Every buyer we add makes the marketplace more valuable. And the spread is extraordinary.
CAC and time-to-buyer are current internal metrics.
Three ways we already make money.
Buyer Unlock Packages
Sellers buy access to buyers already searching their city.
Application Unlocks
A few free applications, then sellers pay to unlock buyer contact details.
Guaranteed Buyer Packages
Premium, accelerated service with a guaranteed down payment in 30 days.
Already live. Already working.
A two-sided market has to be lit on both sides at once.
Sellers only pay when buyers are waiting. Buyers only stay when listings appear. Neither side ignites alone. So we flood both at the same time. Capital is the spark.
$0
A seed round to ignite both sides of the marketplace and lock in category leadership. Released in milestone-based tranches tied to performance, so capital deploys against proof.
Data & infrastructure upgrades. Saturate top metros with buyers and sellers.
Launch AI matching on live data. Scale acquisition to top metros. Hold CAC low as spend grows.
Expand nationwide. Deepen seller retention. Compound the flywheel across markets.
Tranche structure is illustrative. Final amounts, milestones, and terms set by agreement.
Most of it buys buyers and sellers. The rest builds the machine.
Paid ads on both sides, amplifying organic social, plus SEO and AI search.
Engineering team, infrastructure, data analyst, and AI matching.
Customer success, sales support, and training.
Buffer for testing, opportunities, and runway.
Density first. Then dominance.
Metro Density
Build deep buyer pools across major U.S. metros so every new listing has buyers waiting from day one.
Market Leadership
Become the largest owner-finance buyer and seller marketplace in America.
The Default Brand
The trusted national name people search, and prompt AI, for owner-financed homes.
Operators who have already
built and scaled.
Serial real estate entrepreneur and creator. Applies operational execution, deal-making experience, and audience reach to support business growth and execution.
Leads customer acquisition across paid and organic channels. 15+ years scaling performance marketing systems and managing $50M+ in ad spend.
Architect of scalable SaaS platforms. Has shipped multiple successful SaaS products leading system architecture, automation, and infrastructure.
Leads conceptual design, brand strategy, UX, messaging, and conversion architecture to improve acquisition, engagement, and revenue across the customer journey.
Whoever owns the buyers owns the market.
We are building the largest network of active owner-finance buyers in America.
We'll reach out within 24 hours
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Sources & important notes
• Existing-home sales near 30-year lows. National Association of Realtors (2026).
• Listing price cuts & days on market. HousingWire / Realtor.com (2026).
• 2026 home-price outlook. J.P. Morgan Global Research.
• Subprime FICO share (~36% under 670). FICO Score Credit Insights (Oct 2025).
• Credit invisible / unscored (~32M). CFPB Technical Correction (June 2025).
• Self-employed (~16.8M) and full-time independents (27.7M). U.S. BLS (2024) / MBO Partners State of Independence (2024).
• Income-to-credit-score correlation (~0.27). Federal Reserve FEDS Notes (2018). $250K+ paycheck-to-paycheck: LendingClub/PYMNTS (2022).
• Seller-financing market size (~$29.5B) & fragmentation. Note Investor Seller Financing Industry Report (2025).
• Company performance figures (CAC, time-to-buyer, traction) are current internal metrics.
Disclaimer: This presentation is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any security. It contains forward-looking statements and illustrative projections that involve risk and uncertainty. Actual results may differ materially. Figures marked illustrative are planning estimates, not guarantees. Prospective investors should conduct their own due diligence and consult their own legal, tax, and financial advisors before making any decision.