Beyond the
cash offer.
Creative Finance is one of the biggest pillars of our business. It's how we solve deals that a straight cash offer can't touch — and it's a major reason sellers across the country choose us.
We specialize in subject-to deals, seller financing, and mortgage relief — for single family homes, multifamily properties, and commercial real estate, anywhere in the United States.
3
Core Strategies
Subject-To, Seller Finance, Mortgage Relief
All 50
States
We work nationwide
3 Types
of Properties
SFR, Multifamily, Commercial
$0
Fees or Commissions
Ever. What we offer is what you get.
Our Strategies
Three ways creative finance works.
Each strategy is designed for a different situation. We'll help you figure out which one fits yours — or combine them when it makes sense.
Subject-To
We take over your mortgage. You walk away.
A subject-to deal is one of the most powerful tools in creative finance. We purchase your property subject to the existing mortgage remaining in place — meaning the loan stays in your name on paper, but we take full legal and financial responsibility for every payment going forward.
How It Works
- You transfer the deed of the property to us
- The existing mortgage stays in place — we take over all payments
- You are fully relieved of the financial burden
- No foreclosure, no bankruptcy, no credit damage
- We handle all future costs, maintenance, and obligations
Who It's For
- Homeowners behind on payments or facing foreclosure
- Sellers who need immediate relief without a traditional sale
- Anyone who wants out of a property without destroying their credit
- Landlords overwhelmed by a property they can no longer manage
Seller Financing
You act as the bank. We make the payments.
Seller financing is a flexible exit strategy where you — the property owner — act as the lender. Instead of receiving a lump-sum cash payment, you receive steady monthly payments over an agreed-upon term, often resulting in a significantly higher total return than a traditional sale.
How It Works
- We agree on a purchase price, interest rate, and term
- You transfer the property and hold the note (the loan)
- We make monthly payments directly to you
- At the end of the term, we pay off the remaining balance
- You earn interest income — often more than a cash sale
Who It's For
- Property owners who want passive monthly income
- Sellers who don't need all the cash upfront
- Landlords looking for a clean exit with ongoing returns
- Owners of single family, multifamily, or commercial properties
Mortgage Relief
Stop the bleeding. Protect your credit.
If you're behind on payments and the pressure is mounting, mortgage relief through creative finance can be a lifeline. We step in, take over your debt obligations, and give you a clean exit — without foreclosure, without bankruptcy, and without the lasting damage to your credit score.
How It Works
- You reach out and share your situation — 100% confidential
- We review your mortgage, property, and goals
- We structure a deal that relieves you of the debt
- You transfer the property and walk away free
- We handle all future payments and obligations
Who It's For
- Homeowners 1–6+ months behind on payments
- Anyone who has received a foreclosure notice
- Sellers who want to avoid bankruptcy
- People going through divorce, job loss, or life changes
The Process
From first call to
closed deal.
No guesswork. No runaround. Here's exactly what happens when you reach out to us — start to finish.
You Reach Out
Call, text, or fill out our form. Tell us about your property and situation — takes less than 5 minutes. Zero pressure.
We Review Everything
We look at your mortgage, property details, and goals. We come back to you with a clear picture of what's possible.
We Structure the Deal
We build a creative finance offer tailored to your situation — subject-to, seller finance, or mortgage relief. No cookie-cutter offers.
You Review & Sign
We walk you through every detail of the agreement. No surprises, no hidden terms. You sign only when you're fully comfortable.
Deal Closed. You're Free.
We handle the closing, take over all obligations, and you walk away — debt relieved, credit protected, life moving forward.
You Reach Out
Call, text, or fill out our form. Tell us about your property and situation — takes less than 5 minutes. Zero pressure.
We Review Everything
We look at your mortgage, property details, and goals. We come back to you with a clear picture of what's possible.
We Structure the Deal
We build a creative finance offer tailored to your situation — subject-to, seller finance, or mortgage relief. No cookie-cutter offers.
You Review & Sign
We walk you through every detail of the agreement. No surprises, no hidden terms. You sign only when you're fully comfortable.
Deal Closed. You're Free.
We handle the closing, take over all obligations, and you walk away — debt relieved, credit protected, life moving forward.
Ready to start the process?
The first call is free, fast, and completely confidential.
What We Buy
We buy all property types on creative terms.
Single family, multifamily, commercial — if you own it and want to explore creative options, we want to hear from you.
Single Family Homes
The most common creative finance deal. We buy SFRs subject-to or on seller finance terms nationwide.
Multifamily Properties
Duplexes, triplexes, quads, and larger apartment buildings — we structure deals on all of them.
Commercial Real Estate
Office, retail, industrial, mixed-use — we buy commercial properties on creative terms too.
Inherited a property you don't want? Creative finance gives you options beyond a traditional sale.
Why It Matters
Creative finance solves deals that cash can't.
A straight cash offer is great — but it's not always the right tool. Sometimes a seller needs relief from debt, not a check. Sometimes they want monthly income, not a lump sum. Sometimes the numbers just don't work for a traditional sale.
That's where creative finance comes in. It's flexible, it's powerful, and it's a major reason we can say yes when other buyers walk away. Trey, our founder, has been structuring creative finance deals for over 6 years — across single family homes, multifamily properties, and commercial real estate.
Whether you're drowning in a mortgage, want to sell a rental without losing your monthly income, or just want more flexibility than a traditional sale offers — we have a structure that works.
Creative Finance vs. Traditional Sale
Real Results
Creative finance changed the outcome.
“I was behind on my mortgage and didn't know what to do. Vantage Stays walked me through a subject-to deal I didn't even know existed. They took over the payments and I was able to move on without destroying my credit.”
Denise R.
Subject-To Deal“I owned a duplex I was ready to sell but didn't want to lose the monthly income. Vantage Stays structured a seller finance deal where I still get a check every month. It was the best of both worlds.”
Robert M.
Seller Financing“I had a commercial property that was bleeding money. Trey came in, understood the situation immediately, and structured a creative deal that got me out clean. No other buyer even came close to offering what he did.”
Sandra K.
Commercial — Creative FinanceCommon Questions
Everything you need to know.
Let's Talk
Tell us about your property.
Fill out the form and our team will reach out within 24 hours to discuss your options — no pressure, no obligation, 100% confidential.
Why sellers choose creative finance.
Nationwide
We work with property owners across all 50 states.
Headquartered in Des Moines, Iowa.
Not sure which strategy fits?
Let's figure it out together.
Call us at (515) 330-7369 or fill out the form above. We'll listen to your situation and tell you exactly what's possible.