Frequently asked questions

• Our company’s name is Saving Sellers Property Solutions. 
• We are part of a national group of investors (Connected Investors) who locate Homeowners in need of selling their properties quickly, often to avoid foreclosure, bankruptcy and home loss. 
• We are a company that can offer Homeowners a few different exit solutions: Investor Property Purchase  or CASH OFFER, Market Listing, Seller Financing, Seller Financing with 1-year Balloon, and Subject-To Financing.
• We are often called “Micro-flippers”, “Wholesalers”, “End Buyers”, “Fix and Flippers”, “Buy and Hold(ers)” and/or “Landlords”. We can and will play all roles at different times, depending on the home’s calculation evaluation (debt-to-equity spread, market valuation, home repair costs, etc.).
• We are a company that creates “WIN-WIN” opportunities for all in the Real Estate industry: Homeowners, Investors, Home Inspectors, Appraisers, Financial Lenders, General Contractors, Private Contractors, Construction Crews, Insurance Agents, Real Estate Agents, Brokers and Home Buyers. Our investors pay Homeowners and professionals their dues throughout every process.

• We research the market trends daily.
• We locate distressed Homeowners, whose homes are not typically listed on the local market, who want/need immediate financial help. 
• We “run the numbers”on the Homeowner’s property (determining the debt-to-equity spread, market valuation, home repair costs, etc.), an if the numbers are right (the debt to equity ratio is not too high), we make fair offers to purchase the property, saving Homeowners from foreclosure, bankruptcy and/or losing their home to the government.
• We sign a contract with the Homeowner, solidifying our role in their exit strategy of choice. 
• We pay the Homeowner’s closing costs and, in some instances, their moving expenses (up to $3,000). 
• We close fast, which helps those who are facing foreclosure, probate, bankruptcy and/or home loss, and we pay the Homeowner’s outstanding mortgage debt at closing.
• If the equity is right, at closing, we put money into the Homeowner’s hands, so they can start over (without 7-10 years of ruined credit).
• We determine the home repair costs. If repairs are needed, we hire a General or Private Contractor to complete the repairs within just a few months time. Then, we sell the home.
• We give AZ homes a “facelift”, creating better properties and communities for Home Buyers.
• We strengthen the Real Estate industry by enlisting all Real Estate Professionals to help Homeowners in need..

• Investor Property Purchase or CASH OFFER: a fair home purchase offer from our company, or an investor within our national investor group (Connected Investors).
• Market Listing: our company will list and sell the home on the local housing markets (MLS—Multiple Listing Service, Zillow, Redfin, Trulia and other home marketing sites). The Homeowner does not pay Realtor fees (traditionally a percentage of the home purchase price).
• Seller Financing: the Homeowner acts as the bank, and our company pays the owner a monthly rental fee until the agreed-upon-price is paid in full.
• Seller Financing with 1-year Balloon: The Homeowner acts as the bank. The Homeowner and SSPS agree to a purchase price (higher than a CASH OFFER estimate). SSPS agrees to pay interest-only payments for 11 months,. On the 12th month, SSPS pays the Seller the remainder of the agreed-upon total. 
• Subject-To Financing: our company contracts with the Homeowner to take over their monthly mortgage fees—paying the debt in full. This is an ideal way for a homeowner to build their credit with the help of our company’s punctual monthly payment structure.

• The Homeowner “wins” when their mortgage debt is paid off at closing, preventing them from foreclosure, bankruptcy and/or home loss. 
• The Homeowner “wins” when they do not pay Realtor fees (typically 6% of the purchase price—3% to the Seller’s Realtor & 3% to the Buyer’s Realtor). 
• The Homeowner “wins” when they do not pay closing costs (typically $5K-$10K).
• The Homeowner “wins” when they do not pay their moving expenses (up to $3,000) . 
• The Homeowner “wins” when their home is bought “as is”, without having to pay for and/or complete costly house projects. 
• The Homeowner “wins” when (if the equity is right) they are given cash (beyond their debts) to move forward. 

We won't start spending money on selling your home until we know you're committed to selling. As soon as you commit to selling and sign the Standard Purchase and Sale Agreement, we move into action--and dollars start flying (on our end). We take the contract and an Earnest Money Deposit (EMD) to the Title Company, which opens ESCROW. Then, during the short DUE DILIGENCE period, the END BUYER/INVESTOR orders an inspection and appraisal (which can both cost between $200-$600!). A MARKET LISTING can cost us upwards of $500 to list your home. So, for understandable reasons, we don't want to spend our money unless you're committed to selling your home...thus the contract.

A Micro-flipper/Wholesaler is an investor who locates Homeowners who need quick solutions to their financial problems. He/She does all the initial contact and communication with the Homeowner. He/She completes the preliminary calculations to see if the Homeowner’s debt-to-equity ratio is equitable for the Homeowner (short term) and the “End Buyer” at resale. A Micro-flipper/Wholesaler contracts with the Homeowner on a fair price for the home. Then, in most cases, during the “due diligence” time period, the Micro-flipper/Wholesaler sells the contract to another investor who is called the “End Buyer”—the investor who ultimately buys the home. 

The End Buyer is often called the “CASH BUYER”. He/She pays everyone’s fees: the Micro-flipper/Wholesaler’s “finding fee”, the cost for the inspection, appraisal and all closing costs for the Seller and Buyer. In some instances, they pay the homeowner’s moving expenses (up to $3,000). The End Buyer is the person who purchases the home. Typically, the End Buyer will choose one of two strategies: to “Fix and Flip” or “Buy and Hold”—renting the property out (short-term, mid-term or long-term). 

A Fix & Flipper is typically an investor who purchases homes that are in need of repairs, updating and remodeling. A Fix & Flipper either does the work themselves, or they hire a General or Private Contractor to do the work for them. They generally “flip” a home in less than 6 months and sell the refurbished home for market value.

A Buy and Hold(er) or Landlord is an investor who purchases the home with the end goal of renting the home out, either short-term, mid-term, or long-term. They plan to “hold” on to the property long enough for the property to rise in value. Eventually, they may sell, when the Market is hot.

This may happen from time to time. Because our media reaches Homeowners all over AZ, there may occasionally be a home that our company and other investors won't want to buy. The home may be in a non-profitable rental market, or an area where purchase prices are not predictable. If  investing is too risky a venture, and our company has contracted with a Seller, but does not want to extend a cash purchase, or cannot find another investor (before Due Diligence time is up), new options will be made available to the Homeowner (Seller). An MLS Listing Option can quickly move the sale along. However, when listing a home for sale on public sites (i.e. Zillow, Trulia, Redfin, etc.), a CASH OFFER would be much less probable. Due Diligence and Closing Dates would likely need to be changed, as well, to fit the needs of a new Buyer.