KGY Capital | focus on creative financing like • Provide Seller Financing / Owner Financing Act as (or facilitate) the seller becoming the lender: They structure deals where the seller carries a note (promissory note secured by a mortgage/deed of trust), allowing the buyer to make monthly payments directly to the seller/lender over time instead of getting a bank loan. • Offer Wraparound Mortgages (Wrap Mortgages) Create a “wrap” loan where a new loan (from the lender/seller) encompasses the existing underlying mortgage. The buyer pays the creative lender, who then pays the original mortgage—often at a higher interest rate for profit. • Facilitate or Fund Subject-To Deals Help buyers take over (“subject to”) the seller’s existing mortgage payments without formally assuming the loan (title transfers, but the loan stays in the seller’s name). The lender may provide additional funding or structure protections. • Provide Bridge Loans or Short-Term Hard Money-Style Funding Lend money quickly for acquisitions, rehabs, flips, or gaps in funding, often at higher rates (10-15%+), with focus on property value over borrower credit. • Structure Lease Options / Lease-Purchase Agreements Set up deals where the buyer leases the property with an option to purchase later (rent credits may build toward down payment). The lender might fund the option fee or provide backend financing. • Offer Private Money Loans Lend their own capital (or pooled from investors) for real estate or business purchases, with flexible terms, faster closings, and fewer underwriting hurdles than banks. • Act as a Gator Lender (Transactional / Gap Funding) Provide short-term funding (e.g., for earnest money, down payments, or full purchase) in exchange for a high return or equity upside, often in creative flips or sub-to deals