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RAW Note Buyer
Texas Note Buyers
Seller Financing

Structure Texas seller financing the right way.

A well-structured note performs better, holds value at exit, and protects you as the seller. RAW helps individuals, builders, and developers create owner-finance paper that works today and sells tomorrow.

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  • Texas-specific compliance
  • RMLO/SAFE Act guidance
  • Built to perform
  • Built to be sellable
Confidential review
17+ years · 412+ deals
Talk to a real Texas operator
Written summary, no hard sell
What We Do

Structuring, advisory, and capital — in one place.

Note Structuring

Term, rate, down payment, amortization, balloons, and triggers built for the asset.

Compliance Guidance

Coordinate with licensed RMLOs and Texas attorneys to keep your note compliant.

Exit-Optimized Notes

Notes designed to sell — full, partial, or hypothecation-ready from day one.

Builder & Developer Programs

Scalable owner-finance programs for builders, developers, and land sellers.

Wrap & Sub-To Strategy

Document wraps, subject-to, and creative structures safely and properly.

Loan Workout & Repair

Restructure underperforming notes back to sellable, performing paper.

The Engagement

How we work with sellers and builders.

  1. STEP 01

    Discovery

    Asset, audience, and goals — sale, hold, or scale.

  2. STEP 02

    Structure

    Term sheet with rate, term, down, and protections.

  3. STEP 03

    Documentation

    Coordinate with attorneys, RMLOs, and title.

  4. STEP 04

    Exit Path

    Standing offer to buy, partial, or hypothecate.

Why Structure Matters

Bad structure costs real money.

Pricing

A note with 5% down and below-market rate trades at a steep discount. Structure first — sell second.

Performance

Proper underwriting and down payment dramatically reduce default risk.

Compliance

Owner-occupied residential paper has rules. Get them right up front.

Optionality

A clean, well-documented note can be sold full, partial, or borrowed against on day one.

FAQ

Texas seller financing — answered.

Why does seller financing structure matter?+
A well-structured note is worth more, performs better, and is easier to sell, partial, or borrow against. Bad structure costs you tens of thousands at exit.
What makes a note 'sellable'?+
Adequate down payment, market-rate interest, payor underwriting, proper documentation, RMLO/SAFE Act compliance where required, and clean recordation.
Do you help with Texas-specific rules?+
Yes — including Texas executory contract rules, homestead considerations, and Dodd-Frank/SAFE Act compliance through licensed partners.
Can you structure a note we plan to sell to you later?+
Yes. We routinely advise sellers structuring a note today with an eye toward a later partial sale or full buyout.
Do you also work with builders and developers?+
Yes. We structure builder and developer seller-finance paper that can be sold or warehoused at scale.
Free Note Review

Build a Texas seller-finance note that holds value.

Whether you're selling one property or running a builder program, we'll help you structure it to perform and to sell.

Get My Free Note Review or schedule a consultation →