SoldSmartly™

The Safer, Smarter Way
to Sell Your Home — On Your Terms

Maximize Your Profit. Sell As-Is. No Lowball Offers. No Agent Fees.

Traditional selling costs you time, money, and stress. Lowball investor offers force you to choose between speed and profit. SoldSmartly™ gives you a smarter, safer way—sell as-is, with no agent fees and no uncertainty.

Sell Smarter

Trusted by Homeowners in Challenging Situations

Needed to Sell Fast

Avoided months on the market

Facing Foreclosure

Found a solution in time

Inherited a Home

Sold hassle-free, no repairs

Divorce Situation

A smooth, fair sale

Landlord Exit

Sold without issues

Job Relocation

Closed quickly, moved on time

No Repairs Needed

Sold as-is, no extra costs

The Hidden Costs of Traditional Selling

You expect to sell for top dollar, but hidden expenses quickly eat into your profits:

Agent commissions, closing costs, and concessions reduce your bottom line.

Repairs, staging, and upgrades just to compete with retail listings.

Months of uncertainty—waiting on buyers, dealing with inspections, and risking financing falling through at the last minute.

Even if you find a buyer, once you cover commissions, repairs, and closing costs, you’re often left with far less than you expected.

Why Cash Offers Fall Short

Typical investors and cash buyers promise speed and convenience—but at a steep price to you.

Lowball take-it-or-leave-it pricing—investors prioritize their profits, not yours.

No flexibility—you’re forced to accept whatever terms they offer, or walk away.

No professional oversight—many off-market deals lack the security and structure sellers deserve.

Sellers deserve a better way—one that keeps speed and convenience, but without the financial sacrifice.

An Old Concept, Reimagined for Today’s Market

History repeats itself. In the 1980s and early 90s, when mortgage rates soared to 18%, buyers struggled to afford homeownership. This led to a surge in creative financing solutions—introducing cutting-edge financial products that allowed sellers to offer more attractive terms while still protecting their price, creating a win-win: sellers could sell at full market value, and buyers could afford their payments. These innovative lending alternatives gave homeowners new ways to structure sales, bypassing traditional loan restrictions and expanding the pool of qualified buyers. For the first time, sellers could leverage their existing financing to make homeownership more accessible—all while maximizing their own returns.For years, when interest rates were low and traditional loans were easy to access, these creative financing methods faded from the mainstream. But today, with mortgage rates climbing and affordability shrinking, history is repeating itself—and alternative financing strategies are becoming essential again.

Smarter Selling Strategies Are Back — Here’s Why Sellers Are Turning to Them Again

High interest rates have made traditional loans unaffordable for many buyers.

Home prices remain high, forcing sellers to either lower their price or find alternative solutions.

More buyers are actively seeking flexible financing options to bypass lender restrictions and secure more affordable payments.

That’s where SoldSmartly Advantage™ comes in—taking the best aspects of proven creative financing strategies and reengineering them into a secure, structured, and seller-focused solution.

SoldSmartly Advantage™ — The Best of Both Worlds

Traditional selling and investor offers both have major flaws—one takes too long and costs too much, the other forces sellers into lowball take-it-or-leave-it deals. SoldSmartly Advantage™ is different.

Like a traditional sale—you can maximize your price and avoid lowball investor offers.

Like an investor offer—you can sell fast, as-is, with no repairs, showings, or agent fees.

Unlike either option—you control the price, terms, and how you get paid.

SoldSmartly Advantage™ modernizes creative finance strategies—like AITDs, Wraparound Mortgages, and even cash offers—to give you the best of both worlds, without the risks or downsides of outdated deal structures.

Why Sellers Choose SoldSmartly Advantage™ Over Any Other Option

When it comes to selling your home, you deserve more than just the typical options. SoldSmartly Advantage™ offers a smarter, more flexible path—one that puts your needs first. Instead of settling for traditional hassles or investor pressure, sellers are turning to a solution that delivers real control, better terms, and peace of mind.

Keep Your Price & Maximize Your Home’s Value – No more slashing your price just to attract buyers. Get a deal that reflects your home’s worth.—you can maximize your price and avoid lowball investor offers.

Sell As-Is, Skip the Hassle – No repairs, no updates, no staging—just a simple, straightforward sale.

Move on Your Timeline – No long listing periods or waiting for the "right buyer." Close when it works for you.

No Uncertainty, No Last-Minute Fall-Throughs – Unlike traditional sales, your deal isn't dependent on a buyer’s financing approval.

SoldSmartly Advantage™ lets you sell on your terms—without lowball offers, lengthy delays, or costly repairs. More money, more control, and a stress-free sale—that’s the smart way to sell.

SoldSmartly Advantage™ — A Smarter, Safer Way to Sell

SoldSmartly Advantage™ is a first-of-its-kind home-selling solution designed to provide homeowners with a fair, structured, and secure way to sell—without settling for low all-cash offers or poorly structured deals that could create financial or legal risks. Unlike traditional buyers and investors who push one-size-fits-all solutions, we customize every deal to align with your financial goals while ensuring a smooth, compliant, and risk-free transaction.

Why SoldSmartly Advantage™ is the Best Choice

Traditional selling and investor offers force homeowners into difficult choices:

Listing Traditionally?

You may have to lower your price, make costly repairs, and wait months for a buyer.

High agent commissions (5-6%) and closing costs eat into your profit.

Uncertain timelines and buyer financing risks can derail the sale.

Investor Cash Offers?

They’re fast but come at a steep discount, leaving you with far less than your home is worth.

"We buy houses as-is" often means a quick but unfair price for sellers.

No flexibility—strictly a take-it-or-leave-it offer.

SoldSmartly Advantage™ A Better Way

Why SoldSmartly Advantage™ is the Best Choice

SoldSmartly Advantage™ is different. It combines the best of both worlds: the speed of an investor offer and the value of a traditional sale—without the downsides.

Built-In Protections for a Secure Sale – Every deal is legally structured, closed through escrow & title, and managed for full transparency.

Control How & When You Get Paid – Choose a lump sum at closing for a traditional-style sale, opt for monthly income, or structure a payout that fits your financial goals.

Smarter Than a Cash Offer, Safer Than Selling FSBO – Cash buyers offer speed but at a steep discount, while FSBO gives you control but lacks protection. SoldSmartly™ offers both—speed and control—without the risks.

Ongoing Support & Third-Party Management – Every transaction is professionally managed, ensuring a smooth, secure, and hassle-free experience.

With SoldSmartly Advantage™ every step is structured for clarity, security, and results. We handle the details—you stay in control. Here’s how it works:

SoldSmartly Advantage™ | A Simple, Secure Process

From start to finish, we make selling your home easy, safe, and stress-free. Here’s how it works:

Step 1: We Focus on Your Goals First

Instead of making a one-size-fits-all offer, we start with your financial goalss—how much cash you need in your pocket after the sale (your net proceeds) and structure the best terms to get you there.

Step 2: We Structure the Best Deal for You

Using the SoldSmartly Advantage™ we craft a solution that protects your equity, gives you flexibility, and keeps the transaction secure

Step 3: Your Sale is Managed Professionally

Every step is handled through escrow and title to ensure a secure, well-structured, and properly executed closing.

Step 4: You Get Paid on Your Terms

Choose from a lump sum, monthly income, or a hybrid payout that best suits your financial goals.

When most people think about selling their house, they picture a For Sale sign, an agent, open houses, and a long wait. But in today’s market—where interest rates are high, buyers are cautious, and listing competition is fierce—that traditional route isn’t always the smartest or fastest.

Fortunately, there are modern, legal, and proven alternatives to selling your home that don’t require dropping your price, doing costly repairs, or sitting on the market for months.

This is where alternative financing solutions (commonly called creative financing) come in.

Creative financing simply means selling your home in a way that doesn’t rely on a traditional bank loan for the buyer. Instead, it uses flexible terms that work for both sides—often faster, with fewer fees, and more win-win possibilities.

These strategies have been around for decades and are fast becoming the preferred method for smart sellers as they compete with other listings.

Why Sellers Consider Creative Financing:

Close on your timeline – Flexible structures allow for quicker agreements and faster closings when needed.

Sell “as-is” – Cosmetic issues or light repairs can be overlooked

Turn your mortgage into an asset – If you have a low-interest loan, you can leverage it as part of the deal—it becomes a selling feature, not something to pay off.

Flexible payment options – Monthly income through seller-financing can be structured to fit your goals, whether short-term or long-term.

While terms and names vary by state, here are some of the most common non-traditional selling strategies:

Seller Financing – You act as the bank and collect monthly payments from the buyer. This works well if your property is owned free and clear, but requires you to take on the full financing risk.

Lease Option (Rent-to-Own) – You lease the property with the option for the buyer to purchase it later, but with no guarantee the buyer will actually close.

Land Contracts / Contract for Deed – You remain on title until the buyer finishes paying. Common in some states, but can involve complex legal steps and delays in transferring full ownership.

Subject-To (Existing Loan) – The buyer makes payments on your loan, but if structured with limited documentation and oversight, this approach may limit control or protection for you as the seller.

Wraparound Mortgages / All-Inclusive Trust Deeds (AITDs) – A new loan that wraps around your existing mortgage—letting you offer financing, preserve your low interest rate, earn monthly income, and stay protected with a recorded trust deed or mortgage.

Every option has pros and cons—but when structured correctly, they can be powerful tools to help you sell faster and smarter.

Like many trends that start in California—whether it's tech, design, or business—creative real estate solutions have deep roots in the Golden State. One of the most innovative tools to come out of California real estate law is the All-Inclusive Trust Deed (AITD), also known as a wraparound mortgage.

Originally developed to help sellers offer financing without paying off their existing mortgage, the AITD structure has become a blueprint for similar strategies across the country.

What Is an AITD?

An All-Inclusive Trust Deed (AITD) allows you, the seller, to:

Sell your home without paying off your current mortgage

“Wrap” the existing loan into a new, customized financing agreement

Use a third-party loan servicer to manage payments and records

Stay protected with a recorded trust deed that secures your interest

In most cases, the buyer makes one monthly payment that covers both your existing mortgage and the new terms. AITDs can be tailored to the situation—whether you're wrapping an existing loan, adding seller financing, or combining both—all while keeping the process clear, flexible, and surprisingly simple.

While the term “AITD” is specific to California (and a few other trust deed states), wraparound financing is used throughout the U.S. under different names and legal instruments:

Originally developed to help sellers offer financing without paying off their existing mortgage, the AITD structure has become a blueprint for similar strategies across the country.

An All-Inclusive Trust Deed (AITD) allows you, the seller, to:

In Texas and other title-theory states, these are often done using wraparound promissory notes and deeds of trust.

In judicial foreclosure states like Florida or New York, wraps may use land contracts or installment sales agreements to achieve the same outcome.

In Illinois, similar strategies are used via Contract for Deed setups.

In Georgia or Arizona, investors and attorneys may structure wraps with local variations but the same core principle: the existing loan stays in place, and the seller finances the sale directly.

These strategies have been used for decades by investors, brokers, and savvy sellers who understand how to create win-win deals when traditional financing doesn’t fit the situation.

As reported by First Tuesday, a California DRE-approved education provider in California, describes the AITD as:

“A financing arrangement that wraps the existing mortgage... used when the seller agrees to carry back a portion or all of the purchase price.”
— First Tuesday Journal

And as noted by this California attorney:

“...period of high inflation in California mortgage loan rates this author saw the use of all-inclusive deeds of trust (a.k.a. wraparound deed of trust) to allow borrowers to acquire property when it was difficult to qualify for a high interest rate loan for the entire purchase price. Given the amount of money dumped into the economy by the federal reserve, inflation is likely to be returning, and buyers & sellers will again be using this type of creative financing.”

...and he continues:

“Given that economic signs are pointing to [an] increase in inflation throughout the country, and the new tougher requirements imposed by lenders, experienced real estate attorneys know that the wrap-around mortgage is likely to become popular again.” — CalRealEstateLawyersBlog.com

Why This Strategy Works—In Any Market

Whether it's called an AITD, wraparound mortgage, land contract, or another form of seller financing, these strategies exist to solve a common challenge:

How can a seller move a property without taking a loss, refinancing their mortgage, or waiting around for a perfect, bank-approved buyer?

When used responsibly, wrap-style transactions like AITDs can offer a smart alternative. These structures:

Make it possible to sell without paying off an existing mortgage

Allow sellers to preserve a valuable low interest rate

Create opportunities to earn monthly income instead of lowering the price

Help both sides agree on terms that work now, not just what banks will approve

This approach has been used by experienced buyers and sellers for decades—and when structured properly, it can provide a flexible, secure path to closing, even in today’s challenging market.

Don’t Wait Until It’s Too Late – Talk to Us Today

The Bottom Line

Most so-called 'real estate professionals' fail to structure deals with the seller’s best interests in mind—often exposing them to financial and legal risks. SoldSmartly Advantage™ is different. We offer a smarter, safer, and more profitable way to sell—ensuring you keep control, maximize your value, and walk away with the best possible outcome.

See Your Best Selling Options

Not Just a Better Way to Sell — A Smarter, Proven Strategy

Selling your home is a major financial decision—you need a solution that’s not just smart, but proven.

At SoldSmartly™ we know financing inside and out because our expertise isn’t just in real estate—it’s rooted in mortgage lending at the highest levels.

For decades, our team has been at the forefront of structured financing, bulk loan sales, and large-scale mortgage operations—managing over $150M in credit lines, working directly with Wall Street investors, and specializing in creative financing solutions before the market even realized their value.

We’ve built and scaled some of the nation’s fastest-growing financial companies, ranking in Inc. 500, Forbes, and the San Diego Business Journal’s Top 10 Fastest Growing Companies.

Simply put: we don’t just understand real estate financing—we’ve shaped it.
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‍That experience has allowed us to refine and perfect what already works—giving sellers a smarter, safer way to maximize their home’s value in today’s market. We’ve taken the best aspects of creative financing and structured them into a streamlined, seller-first solution.

The Logic Behind SoldSmartly™

Creative financing isn’t new—it’s been used for decades to help sellers maximize profits in high-rate markets, and we’ve perfected it.

Traditional selling & investor cash offers leave money on the table—SoldSmartly™ combines the best of both

Your home’s equity is an asset—and SoldSmartly™ helps you unlock its full value without unnecessary discounts or delays

The biggest mistake homeowners make? Thinking that waiting is the safe choice.

Many sellers assume that holding onto their property puts them in control—that waiting will bring a higher price, the perfect buyer, or a better financial situation.

But here’s the truth: Waiting is not neutral. It’s costing you.

Every day you hold onto your home, you take on hidden risks—market shifts, rising costs, aging property, and missed opportunities.

The market doesn’t wait. Buyer demand changes. Interest rates shift. Life moves forward—with or without you.

So the real question isn’t “Should I sell?” It’s “How much is waiting actually costing me?”

Owning a home isn’t free—even if your mortgage is paid off.

Property taxes, maintenance, insurance, and unexpected repairs all add up.

Inflation erodes the value of your equity while your home ages and becomes less competitive.

Delaying doesn’t mean selling for more—it often means spending more just to keep up.

Selling later rarely means selling for more. It often means selling for less after spending more

Buyers today want modern, energy-efficient homes with smart technology and updated designs.

New construction and renovated homes are setting the market standard—forcing older properties to drop their prices just to compete.

What’s your home worth today? And what will it be worth in six months?

Selling now lets you lock in demand before your home becomes “outdated” in the eyes of buyers.

A home is an asset—but only if it’s working for you.

Sitting on equity doesn’t grow your wealth—it just ties up your money.

Missed opportunities—whether investing, downsizing, or improving your financial future.

Timing the market is a gamble—and the longer you wait, the harder it becomes to capitalize on the right moment.

The peak could be happening right now—are you letting it pass you by?

For many homeowners, staying put isn’t about strategy—it’s about fear of change.

But what’s the real cost of waiting?

Missed experiences

Delayed financial freedom

Holding onto a property that no longer serves you

Most sellers regret waiting too long. Almost no one regrets taking control sooner

Selling now isn’t just about money—it’s about reclaiming your future.

Your home isn’t getting any newer.

Your money isn’t growing while sitting in your walls.

Your best opportunities are happening right now.

Every month you wait, the cost of doing nothing adds up.

The question isn’t “Should I sell?”—it’s “How much longer can I afford not to?”

Don’t Wait Until It’s Too Late – Talk to Us Today

Take the Next Step Toward a Smarter Sale

Every month you wait, your home gets older, your equity remains untapped, and market conditions shift.

SoldSmartly™ gives you a smarter, safer way to sell—on your terms, without unnecessary risks or delays.

Your home sale should work for you—not against you. SoldSmartly™ ensures a structured, secure, and stress-free process, handled professionally through escrow and title. Take control of your home sale today.

Don’t Wait Until It’s Too Late – Talk to Us Today

Real-Life Property Situations We Help Homeowners Navigate

At SoldSmartly™ we understand that life happens, and sometimes selling a home can feel overwhelming. Whether it’s dealing with an inherited property, handling missed payments, or managing difficult tenants, we specialize in helping homeowners facing a wide range of property challenges. No matter what situation you're dealing with, we’re here to offer fast, flexible solutions to help you move forward.

No matter your situation, SoldSmartly™ is here to help you navigate the process with ease and confidence. We specialize in offering custom solutions that address your specific needs, ensuring that you get the best outcome possible, no matter the condition or circumstances surrounding your property.

Get Your Best Selling Solution – Schedule a Call Now

The Safer, Smarter Wayto Sell Your Home — On Your Terms

Maximize Your Profit. Sell As-Is. No Lowball Offers. No Agent Fees.

The Hidden Costs of Traditional Selling

Why Cash Offers Fall Short

Smarter Selling Strategies Are Back — Here’s Why Sellers Are Turning to Them Again

SoldSmartly Advantage™ — The Best of Both Worlds

Why Sellers Choose SoldSmartly Advantage™ Over Any Other Option

Not Just a Better Way to Sell — A Smarter, Proven Strategy

The Logic Behind SoldSmartly™

The Safer, Smarter Way
to Sell Your Home — On Your Terms