Buy a house

Whether you are credit and/or cash challenged, or you have an abundance of both, this new program can help you are intent on buying a home without having to go through the conventional process of pre-qualifying and signing your name on a huge loan.

Perhaps you are an investor seeking to acquire property but would prefer not to commit a large sum of cash and sign on a large loan.

If you have as little as 5%* of the home's value and can handle the monthly payments, you qualify for this program. The only other requirement is that at the end of the agreement you must refinance the home with a loan in your own name or, if you choose not to purchase it at that time the home will be sold. In either event, at that time if there has been any appreciation, it is split between you and A&A Property Solution.

Based on your needs you can even achieve the benefits of tax deductions not available in other seller-finanacing avenues such as lease/options, lease/purchase, "subject-to", and land contracts. You can even participate in the principle reduction during your time in the property.**

• Keep more of your pay check in your pocket (through any tax dedications received**)
• Enjoy all the benefits of fee simple real estate ownership (stop renting, start owning)
• Avoid lender scrutiny (No pre-qualifying)
• Reduced risk (No need to be initially tied to a large 30 year mortgage)

Requirements	How to start
5%** of your target properties value	Submit your target price though the buyer's registry
Amount of monthly payments you can handle	This information is part of information submitted in the buyer's registry

Submit your property parameters and preferences by joining our buyer's registry There is zero cost to do so and you may request to have your name removed at any time.

If you have more immediate property needs, you can sign up for our Property Finder program.

* Can work with amounts smaller then 5% but your payments will be higher. Conversely, the more you contribute above 5%, the smaller your payments and the more benefits you can obtain.

** Principle reduction: The amount the underlying mortgage is reduced with each monthly payment thus contributing to the property's equity build up.

Income tax deduction benefits are negotiable. If you have tax questions at the time of the transaction, please contact your tax professional for advice.

• Buyer's Registry
  Sign up and let us know about your real estate preferences and parameters. You will then be immediately notified when properties matching your requirements become available. Join today!
• Property Finder Program
  This is a great, no-risk program for those individuals seeking to get into a property in the next 30-45 days. You can still join the buyer's registry and participate in this program. Get started now!

The following articles cover the more widely used forms of seller financing which you may be more familiar. While they are regularly used, it is important to fully understand their more dangerous aspects.

Lease Option (L/O)
This commonly used form of "rent-to-own" seller financing well known but it has pitfalls that can leave you with only undesireable consequences.

Contract for Deed
You make payments on the property until it is paid off and only then are you given legal title. This sort of "lay away plan" can go very wrong.

The "Wrap" - All Inclusive Mortgage (aka AITD)
The seller creates their own mortgage that "wraps" (covers) the existing payments on the property with a little extra cashflow for them. Wraps can quickly unravel into a chaos.

The Equity Share
You share ownership in a proerty with someone else. It sounds pretty good until they do something that affects you and the property.

The "Subject-To"
You assume (take over) payments on the existing property financing. Just hope the lender doesn't discover this arrangement since it violates their "due on sale" clause which gives them the right to immediately call the loan due.