How It Works

Through our innovative syndication model, multiple businesses contribute by switching their credit card processing to VentureKap, our partner. Instead of pooling cash like traditional syndication, merchants contribute through processing partnerships. This collective contribution funds the down payment assistance we provide as a gift to you - no repayment required.

We have a comprehensive program with tools that can help you find the businesses to support your transaction. We will assist you along the way. It is a requirement to bring businesses into your real estate transaction to receive the down payment assistance. We work together to identify potential merchant partners in your network and provide support throughout the process.

Yes! This is one of the key benefits of our program. We charge you only 50% of the current market rental rate for the property. For a home that would typically rent for $2,400/month, you'd pay just $1,200/month. This significant savings helps you while you prepare to purchase the property back from us within the 12-month timeframe.

We understand that securing a mortgage can sometimes take longer than expected. While our standard program allows 12 months for purchase to receive the 20% down payment assistance, we work with participants on a case-by-case basis for extensions when needed. In some cases we will extend you an additional 12 months to purchase the home from us but the down payment assistance will drop to 10% instead of 20%. The 10% reduction will be paid out to the merchants supporting your transaction. Our goal is your homeownership success, so we'll explore options including extensions, alternative financing solutions, or in some cases, the possibility of continuing the rental arrangement while working toward your purchase goal.

VentureKap is our funding partner with significant capital reserves specifically dedicated to this program. Through the merchant syndication model, they generate revenue from the payment processing partnerships while simultaneously funding property acquisitions. This allows them to purchase properties outright in cash, eliminating traditional mortgage delays and enabling you to move in immediately.

You can choose from a wide range of properties, but there are some practical considerations. The property must be suitable for investment purposes, in good condition, and appropriately priced for the local market. We'll work with you to evaluate potential properties and ensure they meet our program criteria. Properties typically range from $250,000 to $500,000, though exceptions can be made based on syndication capacity and market conditions.

We look for participants who demonstrate the ability to eventually qualify for a traditional mortgage within 12 months. This includes stable income, reasonable debt-to-income ratios, and credit scores that are mortgage-ready or can be improved to mortgage-ready within our timeframe. We also consider your network connections to potential merchant partners, though this isn't the only factor in approval.

Businesses benefit because VentureKap offers competitive processing rates and excellent service. Many businesses are happy to switch when they learn their processing partnership is helping someone achieve homeownership. It's a win-win: they get good processing services at competitive rates, and they're contributing to a meaningful cause. There are no additional costs or risks to participating businesses.