Is this program really free to sellers?Yes — 100% free to the seller. The buyer pays all program fees, including our service fee. You receive your full appraised value at closing with no deductions for commissions or program costs.

What if I don't qualify for a traditional mortgage?
That's exactly who this program is for. We work with credit-challenged buyers who have been turned down by banks. We structure an Owner Finance Agreement that lets you move in immediately while you work on credit repair over the 12-month period.

What happens if the buyer doesn't refinance within 12 months?Our team actively supports buyers through the credit repair and refinancing process. We carefully pre-screen buyers before placing them in a program to ensure they have a realistic path to conventional financing within the 12-month window.

Is this legal? Is it Dodd-Frank compliant?
Yes. All Owner/Buyer Financing transactions through Sidelia Investments are fully compliant with the Dodd-Frank Wall Street Reform and Consumer Protection Act. Every deal is legally structured to protect both the buyer and the seller.

I'm currently listed with a Realtor. Can I still participate?
In most cases, yes. You'll want to review your listing agreement to check for any cancellation clauses or penalties. In most cases the Realtor is paid in full at closing.

How fast can the process close?
In some cases, we can close in as little as 3 days. Unlike traditional mortgages that require 30–60 days of bank underwriting, our process moves much faster because we bypass traditional lending entirely.

What is the minimum down payment for buyers?
Down payment requirements vary by property and are outlined in individual listings. Contact us directly at 720.220.7819 to discuss specific requirements for the home you're interested in.