Turning Real Estate Investing on it's head

The Slow-Flip Investing Strategy

We buy livable, lower-priced houses at a discount, then resell them as-is on long-term, fixed monthly payments to everyday buyers and landlords. Instead of being landlords ourselves, we function like a finance company—creating real-estate-backed notes while private lenders earn a fixed return.

Overview

Quick Summary

  • Buy box: older, entry-level homes in working-class neighborhoods priced typically ≤ $30k–$50k (market dependent).

  • We don’t rehab. We price to move and sell as-is with affordable monthly payments (30-year schedule).

  • Two sides of the model:

    • Acquisition capital (5-year private notes): private lenders fund purchases and earn a fixed rate (commonly 12%, fully amortized over 60 months).

    • Disposition to end-buyers: home is resold on a 30-year installment contract / land contract with down payment and fixed monthly payment.

  • Why it works: cash in > cash out, wide spread between end-buyer payment and our 5-year lender payment, plus strong downside protection because we buy cheap and keep repairs off our plate.

The Flow (Step-by-Step)

Our approach is both simple and effective, ensuring favorable outcomes across the board.

houses in toledo ohio

Source New Deals

  • We identify properties in our buy box through agents, wholesalers, direct-to-seller outreach, and auctions.

  • We run a quick numbers screen against our price-to-rent and payment benchmarks.

Investment secured by promissory note

Acquisition Funding (5-Year Private Note)

  1. Our lending partners provide capital (typical structure below).

  2. Lender is protected by a recorded first-lien (mortgage or deed of trust; state-specific).

  3. Property is insured with hazard insurance naming lender as mortgagee/loss payee.

sell to end buyer via owner financing

Sell As-Is on Terms (30-Year Schedule)

  • We resell as-is via installment land contract / contract for deed (or state-equivalent).

  • Buyer brings a down payment ($2k–$5k).

  • Buyer makes fixed monthly payments spread over 30 years; we can escrow taxes & insurance

return on investment

Servicing & Cash Flow

  • We handle payment collection and lender disbursements. We manage escrows, track balances, and issue year-end statements.

  • If a buyer defaults, we follow the contract’s default remedies (state-specific), regain control, and resell.

Monthly cashflow

Exit & Recycling

  • Lender receives monthly payments

  • Our 5-year private note amortizes to $0; the asset keeps producing 30-year payments.

Who is this for?

Who is a Private Lender?

Private lending means everyday people can put their own money to work for a steady, fixed return—secured by real estate, without the hassles of ownership.

  • Private lenders who want predictable, fixed income backed by a real asset (first-lien, hazard-insured).

  • Investors/landlords who prefer owning notes over unclogging toilets (no tenants, no rehab, no midnight calls).

  • End buyers (owner-occupants or landlords) who want simple monthly payments and are comfortable with basic, as-is condition.

Ready to Explore First-Lien

Real Estate Notes?

COMPANY

RESOURCES

Disclosure: This information is for educational purposes only and is not legal, financial, or investment advice. RDestiny Real Estate Investing LLC is not your advisor unless agreed to in writing.

Please consult your own professional advisors before making financial decisions. Information shared is believed reliable but not guaranteed and may change. We may have referral relationships that provide compensation.

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