(346) 222-1110
Creative Finance Specialists — Houston TX

Creative Finance Solutions for Houston Homeowners. Sell on Your Terms.

Keep your low interest rate. Avoid capital gains. Create passive income. With subject-to and wrap mortgage strategies, you can sell your Houston house without traditional bank hassles—and often walk away with more cash.

Explore Your Options Call (346) 222-1110

100% Free  ·  No Obligation  ·  Tailored Solutions

Discover Your Creative Finance Options

Subject-to, wrap mortgages, and more.

We structure deals that work for YOU
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100% Free. No Obligation. Customized for your situation.

Your Options

Two Powerful Ways to Sell Without Traditional Hassles

Understand which creative finance strategy fits your situation best.

Subject-To Existing Mortgage

Transfer the deed, keep your low rate

With a "subject-to" sale, you transfer the deed to us, and we take over making your mortgage payments. The loan stays in your name, but we handle everything. This is perfect for tired landlords who want out but don't want to lose their low interest rate or pay capital gains taxes.

  • Avoid foreclosure and protect your credit
  • No need to bring cash to closing — even if you have little equity
  • We handle all repairs and tenant issues after closing
  • You receive cash upfront for moving expenses or whatever you need

Ideal for: Tired landlords, inherited properties, homeowners with great mortgage rates.

Wrap-Around Mortgage

Create passive income from your sale

A wrap-around mortgage allows you to sell your home to a buyer (us) who makes payments to you, and you continue paying your underlying mortgage. This creates a spread that can provide you with passive monthly income. We structure these deals to benefit both parties and ensure compliance with Texas law.

  • Flexible terms and higher sale price potential
  • Faster closing than traditional sales — no bank underwriting
  • No upfront repair costs — we buy as-is
  • Potential for ongoing monthly income from the spread

Ideal for: Sellers with equity who want passive cash flow, or those selling to a buyer who can't qualify for traditional financing.

Simple 3-Step Process

How Creative Finance Works With 8REI

We make it easy to explore and execute a creative sale.

Tell Us Your Goals

Do you want to keep your low rate? Need cash now? Want passive income? We listen and explain which strategy fits best.

We Structure a Custom Deal

We'll evaluate your property and existing mortgage to craft a subject-to or wrap offer that meets your needs—with full transparency.

Close & Reap the Benefits

Close in 14–21 days. You walk away with cash, ongoing income, or both—while we handle all future payments and responsibilities.

Start Now — Explore Your Options
Real Story

A Landlord Who Kept His 3% Rate With Subject-To

★★★★★

"I owned a rental in Katy with a 3% mortgage rate. I was done being a landlord—tenants were a nightmare—but I couldn't stomach losing that rate or paying capital gains. 8REI explained subject-to and structured a deal where they took over payments and gave me cash at closing. I walked away with money in my pocket, my credit intact, and zero landlord headaches. If you have a low rate and want out, call them."

Paul T. Katy, TX · ZIP 77084 · Subject-To Sale Completed
Common Questions

Creative Finance Questions — Answered Honestly

What Houston homeowners ask us most about subject-to and wrap mortgages.

A subject-to sale means the buyer takes over the seller's existing mortgage payments without formally assuming the loan. The deed transfers to the buyer, but the original loan remains in the seller's name. In Texas, this is legal and commonly used when sellers have low interest rates they don't want to lose, or when they need to sell quickly without paying off the full loan balance.
Yes. Subject-to transactions are legal in Texas. They are not a way to avoid the mortgage—the payments continue being made by the new owner. However, the original borrower remains ultimately responsible if the buyer stops paying, so it's essential to work with a trustworthy, experienced investor like 8REI who has a track record of making payments on time.
A wrap-around mortgage (or 'wrap') is a form of seller financing where the seller extends a new loan to the buyer that 'wraps around' the existing underlying mortgage. The buyer makes one monthly payment to the seller, and the seller continues paying the original lender. This creates a spread (profit) for the seller and allows the buyer to purchase without traditional bank financing.
Creative financing offers flexibility that traditional cash sales can't match. You can sell even with little or no equity, keep your low interest rate, avoid capital gains taxes (subject-to), generate passive income (wrap), and close faster than a conventional sale. It's ideal for tired landlords, inherited properties, or anyone wanting to maximize their financial outcome.
If 8REI makes the mortgage payments on time—which we have a 100% track record of doing—your credit is not negatively impacted. In fact, continued on-time payments can improve your credit over time. You also avoid the credit damage of a foreclosure or short sale.
Subject-to and wrap transactions typically close in 14–21 days, sometimes faster. Because there's no bank underwriting or appraisal required, the process is streamlined. We coordinate with your existing lender and handle all the paperwork to ensure a smooth, compliant closing.
Creative Finance Help By ZIP Code

We Offer Creative Solutions Across Greater Houston

Wherever your property is located, we can structure a deal that works.

77084Katy West 77449Katy Central 77083Alief SW 77072Alief 77088Acres Homes 77085SW Houston 77053SW/Fort Bend 77373Spring 77015East Houston 77584Pearland 77016NE Houston 77033Sunnyside 77060Greenspoint 77091Garden Oaks 77078East/Cloverleaf

Don't see your ZIP? Contact us — we very likely cover your area.

Ready to Explore a Smarter Way to Sell?

Get a no-obligation consultation today. We'll explain exactly how subject-to or a wrap mortgage could work for you.

Explore Creative Options

Or call us directly: (346) 222-1110