The method in one breath
If you only remember five things, remember these. The lessons go deeper on each.
1 · Meet full price
You agree to the seller's full asking price (if it appraises). The leverage isn't the price — it's the terms: more equity up front in exchange for the structure.
2 · Finance the down
A debt fund finances the down payment; a transactional funder covers the escrow leg for a one-day close. You bring far less of your own cash to the table.
3 · Stack the seller in
The remaining balance becomes a capital contribution into a newly-formed LLC — the seller keeps a small equity position (often 5%) instead of holding a plain note.
4 · Refi them out, tax-smart
At the balloon you refinance and pay the seller from the new loan. They're receiving debt proceeds — generally not taxed as income (confirm with a CPA).
5 · End-buyer can get a loan
Because the property sits clean in the LLC (not buried under a wraparound note), an end buyer/wholesaler can actually finance the whole thing — the fix to the messed-up contract.
6 · Protect everyone
The operating agreement adds a 60-day cure on missed obligations — miss taxes, insurance or HOA past 60 days and the seller takes 100% of the LLC. Aggressive terms, never predatory. A trust variant exists if equity feels unfamiliar.
Work through it
Built so a fellow student can go from zero to running the play.
The Course
Eight written lessons + essays that assemble the whole strategy step by step, with the numbers worked out.
⚠️Risk & Default
The honest version: what happens to the seller in a default vs a normal seller-carry, can they lose the property, and is it predatory?
📈The 130% Leverage
130% of what, exactly — and can the buyer tap the capital contribution as liquidity for other projects?
🏛️Who Lends 130%?
Nobody does — here's the trick. Two financings, who funds above 100%, DSCR loans, and credit sponsors, in plain English.
💵Cash Flow & Entities
Who collects rent, pays the loan, manages the property and pockets the profit — and what the debt fund actually is.
🤝The Closing Script
The simple 33/67 pitch, a not-predatory transparency checklist, the balloon-extension clause, objection handling, and the contract kit.
⚖️Default: What They Inherit
On a takeover, do they inherit the full 130% of liens — or less? The precise answer, the math, and the caveats.
📁Document Vault
Draft templates for everything — operating agreement, contracts, security agreement, debt-fund loan docs, disclosures. Attorney review required.
🔎Clause Review (team)
Every clause in plain English — what it says, why it protects us, and how it stays win-win. Plus the buyer-protections rider.
🎧Transcripts
Every recording with audio player + three views: raw, readable, and the real-estate-only takeaways.
🧠The Quiz
30 scored questions with explanations. Find out if you could actually pitch this on a seller call.
📖Glossary
Every term Ben uses — capital contribution, debt-financed distribution, transactional funder — in plain English.
⬇️Audio Downloads
De-duplicated, re-encoded MP3s plus silence-trimmed "condensed" cuts. Yours to keep.
📝The Contract Fix
The exact rewrite Ben sent after the wrong agreement went out — and why the LLC structure matters.