This Realtor Thinks Creative Finance Is a Scam… Here’s What It Can Do That Banks Can’t

A realtor literally commented on my video: “I hope nobody falls for this. It’s a scam.” If you’ve ever thought the same thing about subject-to, seller finance, wraps, lease options, or other creative real estate, this video is for you. I’m not trying to replace agents or argue in the comments. I’m showing real problems we’ve already solved for agents and their sellers that traditional listings and bank loans couldn’t solve. HOW WE’VE HELPED AGENTS & SELLERS In this video, I respond directly to that “scam” concern and walk through real deals where creative finance became the missing tool in the toolbox: An on-market pre-foreclosure the agent couldn’t move with traditional buyers A high-income buyer who couldn’t qualify for a conventional mortgage but still became a homeowner with a lease option → seller finance structure A seller who owed more than the home was worth and didn’t want to trash their credit with a short sale A Cape Coral seller moving overseas who needed relief from a payment but didn’t have enough equity for a normal sale In each case, we worked with the agent, not against them: -The agent still got paid -The seller’s problem actually got solved -A buyer or investor got a real, ethical deal This is what I want skeptical realtors to see: Creative finance isn’t magic, but it is a set of legal, structured tools that let us help people after traditional real estate runs out of options. ⏱️ Timestamps: 0:00 – Reading the “scam” comment from a realtor 0:40 – Are you serving or limiting your clients as an agent? 1:25 – Case Study #1: On-market pre-foreclosure the agent couldn’t sell 2:45 – How we took over the loan, paid arrears, and still paid the agent 4:10 – Lease option to seller finance: helping a denied buyer become an owner 5:20 – Why good buyers get denied (DTI, tax returns, cannabis jobs, etc.) 6:00 – Upside-down seller: creative alternative to a short sale 6:35 – Cape Coral seller moving overseas with little equity & a 3% loan 7:45 – Today’s market: arrears, foreclosures, damaged credit & timing issues 8:40 – How agents, wholesalers & creative buyers can collaborate 9:35 – Why this isn’t a scam: intent, structure, transparency 10:10 – Call to action: bring us your “problem deals” and let’s solve them HOW TO COLLAB WITH HOUSEABLE If you’re the agent who left that comment (or you quietly agree), here’s what to do next: Subscribe for weekly breakdowns on: -Subject-to, seller finance, wraps, hybrids, lease options _Real case studies from Florida, the Midwest, and other working-class markets Drop a comment with your concerns – If something still feels “scammy,” ask. I’d rather walk you through the structure than see your clients stuck. Bring us your problem deals – Pre-foreclosures, low-equity sellers, denied but motivated buyers, weird timing situations. Share this with another skeptical agent – We want more collaboration, not less. The better you understand these tools, the more buyers and sellers you can actually help. At HouseAble, we use creative finance to solve problems traditional real estate and banks can’t—so agents, sellers, and buyers all have more than one way to win. #creativefinance #subjectto #sellerfinance #wraparoundmortgage #realtorlife #listingagent #realestateagent #realestateinvesting #houseable #dominglese