Creative Real Estate Solutions in Texas | Seller Finance, Lease Option, Wraps | Flippin' Keys

Option 4 — Creative Solutions

When Traditional Methods Won't Work — We Get Creative

Seller financing, lease options, wraparound mortgages, subject-to — we design custom deal structures that work for your situation when nothing else will.

✓ Flexible Terms ✓ No Bank Required ✓ Custom Deal Structures ✓ Any Situation
Let's Build a Deal That Works

Not Every Deal Fits a Box — And That's Okay

Sometimes a cash offer isn't right. Sometimes a bank won't cooperate. Sometimes the numbers don't line up the conventional way. That's when creative strategies change everything.

With 25+ years of real estate investing and deal-making experience, Johnny Lopez and the Flippin' Keys team have seen it all. We specialize in building custom deal structures — seller financing, lease options, wraparound mortgages, subject-to transactions, and hybrid combinations — that create a path forward when no other option can. If there's a deal to be made, we'll find it.

The Toolkit

Creative Strategies We Use

Seller Financing

You become the bank. The buyer pays you directly over time at an agreed interest rate — generating monthly income while you exit the property. No bank, no underwriting, no waiting.

Lease Option

The buyer leases your home with the right to purchase at an agreed price before the lease ends. You receive above-market monthly rent plus a non-refundable option fee upfront — and lock in your exit price today.

Wraparound Mortgage

A new mortgage wraps around your existing one. The buyer pays you on the larger loan; you continue paying your original. The spread between interest rates generates income — even while you still carry the note.

Mortgage Relief Program

The buyer takes over your property — and your mortgage payments — without refinancing. The deed transfers, the loan stays in your name temporarily, and you exit without needing to pay off the balance at closing.

Hybrid Strategies

Sometimes the best solution combines elements of multiple strategies. A partial down payment with seller carry, or a lease-to-own with a wrap — we custom-engineer what works best for your specific numbers and timeline.

Owner Carry / Land Contract

You retain the deed until the buyer pays off the agreed balance. Strong legal protections for you, a clear path to ownership for the buyer — especially useful for land, rural properties, or unique situations.

The Process

How It Works

1

Tell Us Your Situation

Fill out our form or call (830) 244-5800. Share where you are, what you owe, what you need, and what your timeline looks like. There are no wrong answers.

2

We Analyze the Property & Numbers

We look at your equity, existing mortgage, market value, and goals to determine which creative structure(s) could work best for your specific situation.

3

We Present Custom Options

We walk you through one or more creative strategies tailored to your situation — with full transparency on how each structure works and what you can expect.

4

We Structure & Document the Deal

Once you're on board, we work with qualified professionals to properly document and execute the agreement — protecting you every step of the way.

5

Close & Move Forward

The deal closes on the agreed terms. You exit the property on a timeline that works for you — often faster than any traditional sale.

Is This Right for You?

Ideal For Homeowners Who:

  • Can't qualify buyers through traditional bank financing
  • Want monthly income over time rather than a lump sum
  • Have a unique property that's hard to sell conventionally
  • Owe more than the home is worth or have limited equity
  • Want to maximize return through flexible deal structuring
  • Need to exit a property but can't close conventionally right now

The Benefits

Why Sellers Love This Option

  • ★No bank approval needed — we work outside traditional lending
  • ★Potential for higher total return via interest income over time
  • ★Faster than traditional sales — no lender delays or appraisal contingencies
  • ★Solve problems that cash offers and MLS listings can't touch
  • ★Experienced guidance from a 25+ year real estate investor who's built deals from scratch

Explore All 5 Options

We Have Multiple Ways to Help You Sell

Every homeowner's situation is different. Compare all of your options and choose what's right for you.

Option 1

List on the MLS

Get top dollar with an agent

Option 2

Cash Offer

Close in 7 days, no repairs

Option 3

Private Buyer Network

Off-market, vetted buyers

Option 5

Mortgage Relief

Stop foreclosure fast

FAQs

Frequently Asked Questions

Everything Texas homeowners ask about creative real estate solutions.

What are creative real estate solutions?+
Creative real estate solutions are deal structures that go beyond a traditional cash purchase or bank-financed sale. When a conventional approach won't work, we design a custom arrangement — seller financing, a lease option, a wraparound mortgage, subject-to, or a hybrid — that gets the deal done for both parties.
What is seller financing?+
In seller financing, you act as the bank. The buyer pays you directly over an agreed period at an agreed interest rate. This produces steady monthly income and removes the barrier for buyers who can't qualify conventionally.
What is a lease option?+
A lease option is an agreement where a buyer leases your property for a set period with the right — but not obligation — to purchase it at an agreed price before the lease expires. You receive above-market monthly rent plus a non-refundable option fee upfront, and your sale price is locked in from day one.
What is a wraparound mortgage?+
A wrap is a form of seller financing where a new mortgage is created that includes your existing mortgage. The buyer makes payments to you on the larger loan, and you continue paying your original lender. The spread between interest rates generates additional income for you.
What is subject-to financing?+
A buyer purchases your property "subject to" the existing mortgage remaining in place. The deed transfers to the buyer, but your loan stays in your name and the buyer makes the payments. A fast way to exit without paying off your mortgage at closing.
Is creative financing legal in Texas?+
Yes. Seller financing, lease options, wraps, and subject-to transactions are legal in Texas when properly documented. We always recommend a qualified real estate attorney review final documents to protect all parties.
What if I still owe money on my mortgage?+
That's actually one of the scenarios where creative financing shines. We may be able to structure a wrap, a subject-to, or a seller-financed deal that works even with an existing mortgage in place — without needing to pay it off at closing.
How long does a creative deal take to close?+
Creative deals are often faster than traditional bank-financed sales because they don't require lender approval, full appraisals, or conventional underwriting. Once both parties agree, some structures can be documented and closed within days.

Ready to Explore Creative Options?

Call or reach out and we'll walk through whether a creative structure can work for your situation — no pressure, no obligation.

Call (830) 244-5800 [email protected]

Mon – Sat  9am – 6pm  |  Spring Branch, TX

Let's Talk About Your Options

No pressure. No obligation. Just an honest conversation about whether a creative structure can work for your situation.

(830) 244-5800

Email: [email protected]

Address: Spring Branch, TX 78070

Hours:

Mon – Sat  9am to 6pm

Sunday – Closed