---
title: How Easy Realty Handles Investor, Subject-To, Seller Financing, Wholesale, and Creative Financing Offers
description: Easy Realty's policy for evaluating investor, subject-to, seller financing, and wholesale purchase offers.
---
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July 13, 2026
# How Easy Realty Handles Investor, Subject-To, Seller Financing, Wholesale, and Creative Financing Offers
Easy Realty receives inquiries and proposals from investors, wholesalers, and buyers using creative financing strategies. These may include subject-to transactions, seller financing, assignments, novations, installment sales, and other non-traditional acquisition structures.
This article explains how Easy Realty evaluates these proposals, what information may be required from prospective buyers, and how EasyBot responds to these inquiries.
What Is a Creative Financing Offer?
A creative financing offer is a proposal to purchase real estate using methods other than traditional cash or institutional mortgage financing.
Examples include:
- Subject-to transactions
- Seller financing
- Lease options
- Contract for deed arrangements
- Assignable contracts
- Wholesale transactions
- Novation agreements
These transactions can be legitimate purchase proposals, but they often require additional review and verification.
Easy Realty's Approach
Easy Realty does not automatically reject investor offers or creative financing proposals.
Every proposal is evaluated on its own merits and may be presented to the seller when sufficient information is provided for seller consideration.
Easy Realty's goal is to:
- Protect seller interests
- Verify buyer credibility
- Preserve confidential information
- Ensure the seller has enough information to make an informed decision
Information We May Request
Before releasing seller financial information or engaging in detailed discussions regarding the seller's mortgage or financing situation, Easy Realty may request:
- Proof of funds
- Identification of the buyer or purchasing entity
- Confirmation whether the buyer is the principal purchaser or intends to assign the contract
- Information regarding the proposed financing structure
- A written purchase agreement or contract
- Additional documentation necessary to evaluate the proposal
Requests for Mortgage Statements
Investor inquiries frequently request:
- Mortgage statements
- Loan balances
- Payoff information
- Loan terms
- Other seller financial information
Easy Realty generally does not release confidential seller financial information until:
- The prospective buyer has been identified
- Buyer credibility has been verified
- Appropriate documentation has been received
- The seller authorizes further disclosure
Example Investor Inquiry
The following is an example of a common investor proposal:
- Purchase price substantially composed of subject-to financing
- Existing mortgage remaining in place
- Seller financing component
- Limited cash paid to seller at closing
- Request for mortgage information before submitting a formal contract
These proposals are not automatically rejected. However, Easy Realty may seek additional information before moving forward.
Example Red Flags
The following factors may require additional review:
- No proof of funds provided
- Buyer identity unclear
- Purchaser intends to assign contract
- Request for seller financial documents before verification
- No written agreement submitted
- Incomplete purchasing entity information
- Inability to verify buyer experience or transaction history
The presence of any of these factors does not necessarily invalidate a proposal. They simply warrant additional due diligence.
EasyBot Response Process
When an inquiry contains terms such as:
- Subject-To
- Subject To
- Seller Financing
- Creative Financing
- Investor Offer
- Wholesale Offer
- Assignment Contract
- Novation
- Mortgage Statement Request
- Existing Loan Assumption
EasyBot may provide a standardized response requesting additional information before proceeding.
The purpose of the response is to:
- Verify buyer identity
- Confirm transaction structure
- Protect seller confidentiality
- Gather sufficient information for seller review
Easy Realty Policy Summary
Easy Realty seeks to evaluate all legitimate purchase proposals fairly while protecting the interests of its clients.
Investor offers, subject-to offers, seller financing proposals, wholesale opportunities, and other creative financing structures may be considered. However, Easy Realty may require additional documentation and verification before releasing confidential seller information or advancing discussions.
This approach helps ensure transparency, protects the seller, and supports informed decision-making by all parties involved.
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