Re-lo — relocation real estate platform

Creative Finance · Relocation · Intelligence

Find your next home.
On your terms.

Subject-to, seller financing, wholesale, rent-to-own, and conventional listings — with neighborhood intelligence, deal scoring, and the move itself handled end-to-end.

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Subto
Wholesale
Detached
Townhome
340+
Homes Curated
98%
Client Satisfaction
18
Metros Served
$2.4B
Placed in Property
The Collection

Premier U.S. homes,
privately sourced.

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For Sale
Low risk
$389,000$1,742/mo
Hyde Park Bungalow
1247 W Swann Ave, Tampa, FL
Hyde Park · Hillsborough County
3 Beds 2 Bath 1,420 sf
For Sale
Low risk
$219,000$1,542/mo
Seminole Heights Cottage
5208 N Suwanee Ave, Tampa, FL
Seminole Heights · Hillsborough County
2 Beds 1 Bath 1,080 sf
For Sale
Flood zone AE
$465,000$2,056/mo
Davis Islands Villa
62 Adriatic Ave, Tampa, FL
Davis Islands · Hillsborough County
3 Beds 2 Bath 1,720 sf
The Re-lo Difference

More than a listing site.

01

Five paths to ownership

Subject-to, seller financing, assumable, wholesale, and rent-to-own — five acquisition strategies that meet you where your capital, credit, and timeline actually are. Every listing tells you exactly how its strategy works.

02

An intelligence layer

Neighborhood walkability + amenity data, cash-flow modeling, deal scoring, and side-by-side comparisons baked into every listing page. The numbers an investor would want, presented so any buyer can read them.

03

Advisors who know the structure

Each transaction is routed to advisors and attorneys who actually work on the strategy — title insurance, deed transfer, due-on-sale review, performance mortgages — so the close goes smoothly instead of getting stuck.

“A home should mark the beginning of a chapter — never the source of its complications.”
Ways to Own

Five paths to ownership.

Re-lo isn’t one acquisition strategy — it’s five. Pick the path that matches your capital, credit, and timeline. Every listing tells you upfront exactly how its strategy works and what it requires.

— Strategy I
Subject-To

Assume their mortgage.

Take title to the home and continue the seller's existing mortgage payments. You inherit their interest rate — often 2.5–4% on pre-2022 loans — without applying for a new bank approval. Ideal for buyers outside the traditional underwriting box.

Explore subject-to homes
— Strategy II
Seller Financing

The seller becomes the bank.

Skip the bank entirely. You and the seller agree on a private note — rate, term, balloon, down payment — and the seller holds the mortgage themselves. Closings in days instead of months, and the terms are whatever you negotiate together.

Explore seller-financed homes
— Strategy III
Wholesale

Off-market, at a discount.

Distressed sales, estate properties, time-sensitive opportunities — assigned to you below market value. Cash or short-term financing closes in 7–21 days. Acquire below value and build equity from day one.

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— Strategy IV
Conventional Purchase

The traditional path, done well.

Standard bank or mortgage-broker financing on a market-priced home — for buyers with approval who want the simplicity of a familiar process. Re-lo still adds the lifestyle, neighborhood, and deal-scoring intelligence you'd want on any home.

Explore conventional listings
— Strategy V
Rent-to-Own

Lease today, own tomorrow.

Move in now under a 12–36-month lease with an option to buy at a price you lock in upfront. A portion of each rent payment credits toward your eventual down payment — perfect for buyers seasoning credit or saving toward purchase.

Explore rent-to-own homes
“
We assumed the seller’s 3.1% mortgage on a Tampa bungalow we’d never have qualified for at today’s rates. Re-lo’s advisor handled the deed transfer, the lender notification, and the closing attorney. Twenty-eight days from offer to keys.
M. & D. Chen ·  Subject-to buyers, Tampa
Enquiries

Frequently asked.

A few of the questions buyers, sellers, and wholesalers ask most often. The full list lives on the FAQ page.

View all FAQs
generalWhat is Re-lo?
Re-lo is a creative-finance and relocation real estate platform. We connect buyers, sellers, and wholesalers around homes acquired through subject-to, seller financing, wholesale, rent-to-own, and conventional purchases — across Florida today, and Texas / Arizona / Georgia next.
generalAre creative-finance transactions legal?
Yes — subject-to, seller financing, assumable mortgages, and wholesale assignments have been recognized acquisition strategies for decades. Every transaction is reviewed by licensed counsel, with title insurance, deed transfer, and due-on-sale review handled on a per-deal basis.
buyingWhat are the different paths to homeownership Re-lo offers?
Five: Subject-To (assume the seller's existing mortgage), Seller Financing (the seller becomes your lender), Wholesale (off-market homes at a discount), Rent-to-Own (lease with an option to buy), and Conventional Purchase. Each path has different capital, credit, and timing requirements — every listing page explains exactly how its strategy works.
buyingCan I buy a home if I don't have traditional mortgage approval?
Often yes. Subject-to, seller financing, and rent-to-own homes don't require a bank approval — you assume the seller's mortgage, sign a private note, or build toward purchase over a lease term. These paths are designed for self-employed buyers, newcomers without U.S. credit, or anyone outside the traditional W-2 underwriting box.
sellingCan Re-lo help me sell my home through creative financing?
Yes. List your home on Re-lo as subject-to, seller-financed, rent-to-own, or conventional. We surface it to buyers actively searching for that strategy and connect you with our advisor network for the paperwork.
wholesalingCan wholesalers list deals on Re-lo?
Yes. Wholesalers sign up with a wholesaler role and can list assignments with the assignment fee, contract terms, and end-buyer requirements. Our buyer audience is actively searching for off-market deals — most wholesale listings receive inquiries within 24 hours.