All Forum Posts by: Katryna Medley

We have a specific off market home in mind that we want to purchase! We want to sell our home in Lufkin and purchase this off market property at $120k plus closing costs

We’re looking for an investor willing to work with us on creative financing for a $120K home plus closing costs. This is a great opportunity for the right person, as we’re fully committed to making this work and offering strong incentives in return.

Why We’re Looking for This Option:

• We’ve been dealing with terminally ill family members, and I took time off from work to help them, so we don’t have savings built up.

• We currently pay almost $1,600/month on our mortgage(that we have been in for almost 3 years), proving we can handle payments.

• A family member is offering us this home at a discount, but they cannot finance it to us, so we’re trying to find a way to make it happen.

What We Can Offer an Investor:

• Option Fee (6%) – We will put down $7,200 once our current home sells.

• Guaranteed Payments – We’ve been handling a $1,600/month mortgage and are looking for a lower payment (~$800-$1000/month) while we upgrade the home and hold responsible for any repairs, significantly reducing risk for the investor.

• Strong Collateral – The property itself serves as security, and all payments will be structured to protect the investor. 

• Flexible Terms – Open to structuring the deal in a way that gives the investor the advantage, whether that means a contract-for-deed, lease-option, or seller financing-type arrangement.

We are fully committed to purchasing this home and making this a win-win deal. If you’re an investor open to discussing creative financing options that secure your investment while allowing us to move forward, we’d love to connect.

Please reach out if you’re interested!

🔹 Seeking Investor for Rent-to-Own Opportunity 🔹

We have an off-market property in mind and are looking for an investor to partner with us on a rent-to-own agreement.

🏡 Property Details:

📍 Location: Fred, TX
🛏 3 BD / 2 BA on 3.33 acres
🏠 Structurally sound, needs cosmetic updates
❄️ Central heat & air, water well, tankless water heater
🌳 Fenced yard, carport

💰 Investment Terms:

• Purchase price: ~$120,000 (investor purchases in cash)
• 6% non-refundable option fee ($7,200) upfront after we sell our current home (Also open to selling our home in Lufkin, TX to you at a discount with no Realtor Fees)
• $800/month rent (none applied toward the purchase price)
• Predetermined purchase price based on a 4% annual appreciation
  • Example: If purchased in Year 3, price would be ~$135,000
• We will buy on or before 36 months(3 years) via our own financing

📈 Investor’s Potential Profit:

💵 Rental Income (3 years @ $800/month) = $28,800
💰 Option Fee (non-refundable) = $7,200
📊 Home Appreciation (from $120,000 to ~$135,000) = $15,000
🔹 Total Potential Profit = $51,000+

📊 Return on Investment (ROI) = ~42.5% over 3 years
(Profit of ~$51,000 on a $120,000 investment)

🔹 Why Invest?

✅ Passive Income: Earn $28,800+ in rent plus appreciation
✅ No Maintenance Costs: We handle all repairs and renovations
✅ Hands-Off Investment: We take care of everything from purchase to closing
✅ Low Risk: The property serves as collateral – if we default, you keep a home with added equity

🛤 Why Are We Pursuing This Path?

We are passionate about building a self-sufficient homestead for our family, growing clean food, and securing a long-term home. Traditional financing isn't currently an option for us due to our unique financial situation, but we are committed to purchasing a home and making this a mutually beneficial opportunity for the right investor.

If you're interested in this low-risk, high-return investment opportunity, let’s connect!

Thanks for your input! I understand your concern about the monthly payment, and I’d like to clarify why this could still be a great investment opportunity.

1. No Financing Costs or Loan Risks for the Investor – This deal assumes the investor is purchasing in cash, not financing. That means no mortgage, no interest payments, no PMI, and no lender restrictions. It's purely an equity investment in a property with built-in appreciation.

2. Guaranteed Appreciation & Buyout – Unlike a typical rental, where an investor hopes for appreciation, this agreement locks in a 4% annual increase in home value and guarantees a buyout within 3-3.5 years. That’s predictable, compounded growth on their capital.

3. Passive Income with No Landlord Responsibilities – Unlike a traditional rental, the investor has zero maintenance costs, repairs, or tenant headaches. We take care of everything—even renovations that increase property value.

4. Solid ROI Even at $1,200/Month – If we break it down:
• $10K option fee (non-refundable)
• $1,200/month for 3 years = $43,200
• Home appreciation ($260K → ~$292K) = ~$32K
• Total profit = ~$85,200+ in 3 years on a $260K investment
• ROI = ~33%+ over 3 years (~11%+ annually), secured by real estate

If you compare that to stock market returns or even rental properties (which require ongoing maintenance, tenant turnover, and property management), this is a low-risk, predictable, and hands-off investment.

I completely understand if this isn’t the right fit for everyone, but for the right investor looking for a secure, passive real estate investment with built-in appreciation and no maintenance costs, this can be a very attractive opportunity.

I am looking for an investor interested in purchasing a home on 5+ acres within 45 minutes of Lufkin, TX, priced around $260,000 or less, and structuring a rent-to-own agreement with me as the tenant-buyer.

This is a low-risk investment that provides steady rental income, built-in appreciation, and a potential $87,000+ profit at the time of purchase.

Investment Breakdown:

• Purchase Price: ~$260,000

• Predetermined Sale Price After 3.5 Years (4% Annual Appreciation): ~$292,000

• Total Rental Income Over 3.5 Years: ~$50,400 ($1,200/month)

• Non-Refundable Option Fee (Paid Upfront): $10,000

• Total Investor Profit Potential: $87,000+

What I’m Offering:

✅ $10,000 down after I sell my current home.

✅ $1,200/month in rent payments.

✅ All maintenance, repairs, and upkeep handled by me—zero landlord responsibilities.

✅ Commitment to purchase within 3.5 years (or sooner).

✅ If we do not purchase, the property remains yours, with any improvements and appreciation.

✅ I am a licensed real estate agent and can help negotiate lower purchase costs or reduce buyer’s agent commissions to benefit the investor.

Why This Is a Win-Win Investment:

✔ Reliable cash flow with zero property management stress.

✔ Guaranteed appreciation with a set exit strategy.

✔ No vacancies, marketing, or tenant turnover risks.

✔ Potential for additional returns if you choose to finance minor renovations.

✔ Secured by real estate—a tangible asset with increasing value.

Why We Need This Financing Option & Our Vision

Due to temporary financial circumstances—my husband is in a commission-based role for under a year, and I have taken a break from my real estate career to care for a terminally ill parent—we do not currently qualify for traditional financing. However, we are financially responsible, and once we secure long-term financing, we are fully committed to purchasing the home.

In the past year, multiple family members have been diagnosed with cancer, which has ignited a deep passion in me to build a self-sufficient homestead where my family can grow our own food, raise livestock, and live more sustainably. This is more than just a dream—it’s a necessity for our health, our future, and our desire to provide clean, homegrown food for our loved ones.

This opportunity would allow us to work toward that goal while providing a profitable and secure investment for the right investor.

If you are an investor looking for a low-risk, high-reward real estate deal, I’d love to discuss how we can create a mutually beneficial arrangement.

Please comment below or message!