Creative Real Estate

At Circlefoot, we offer creative solutions to the world of real estate. As a licensed local San Mateo County construction and real estate professional, we offer a range of services that cater to buyers, sellers, and investors. Our non-traditional, creative financing methods, such as subject-to transactions and seller financing, set us apart from the crowd.


Need to negotiate favorable terms for your investment or primary residence? At Circlefoot, we’re here to guide you through the purchasing process by utilizing our expertise in creative real estate.


When it’s time to sell your property, we understand that you want to maximize your return while minimizing stress. Consider creative strategies such as 1031 exchanges, lease options or installment sales.


Our long term approach to real estate investing is an excellent way to diversify your portfolio and build long-term wealth. We practice what we preach! Call us to learn about our investment strategies and how they can help you with your planning.

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What is creative financing in real estate?

Creative financing in real estate refers to alternative methods of funding a property purchase or sale, beyond traditional bank loans. It involves using strategies such as subject-to financing or seller financing to achieve a mutually beneficial agreement between the buyer and the seller.

What is seller financing in real estate?

Seller financing, also known as owner financing, is a creative financing option where the seller acts as the lender for the buyer. Instead of relying on a bank or mortgage lender, the buyer makes payments directly to the seller, typically with agreed-upon terms and interest rates. This arrangement can be advantageous for buyers who may not qualify for conventional loans or prefer more flexible financing options. It also allows sellers to expand their potential buyer pool and potentially earn additional income through interest payments.

Note: It’s important to note that when implementing creative financing strategies in real estate, it is advisable to consult with legal and financial professionals to ensure compliance with local laws and regulations.

How does subject-to financing work in real estate?

Subject-to financing is a creative financing method where a buyer takes over the existing mortgage on a property instead of obtaining a new loan. The buyer assumes the responsibility for making the mortgage payments, while the seller transfers the property’s ownership without paying off the existing loan. This arrangement can be beneficial for both parties involved, providing a solution for sellers facing financial difficulties and offering buyers an opportunity to acquire property without traditional financing constraints.

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