Everything you might want to know.

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.

Not yet — Re-lo currently operates as a technology and intelligence layer for creative-finance transactions. We refer licensed brokers, attorneys, and title companies for the actual transaction. A licensed brokerage arm is on our roadmap (see Resources → About).

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.

Florida is our launch market — Tampa, Miami, Orlando, Jacksonville, Ft. Lauderdale, Naples, and Sarasota. Texas, Arizona, and Georgia (Atlanta metro) follow next. Register to be notified when new homes appear in your market.

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.

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.

The seller's existing mortgage stays in place; you take title to the property and continue their payments. You inherit their interest rate (often 2.5–4% on pre-2022 loans, vs. 7%+ today) and their amortization schedule. A typical close is 21–45 days. Every Re-lo subject-to listing shows the assumed rate, remaining balance, and monthly payment up front.

You lease the home for a defined term (usually 12–36 months) with an option to purchase at a pre-agreed price. A portion of each rent payment is credited toward your eventual down payment. Best for buyers who need time to season credit, save a down payment, or relocate before committing.

Yes — there is no citizenship or residency requirement to own U.S. real estate. Non-residents need an ITIN for tax purposes and must file a U.S. return on rental income. Re-lo's advisor network includes cross-border tax counsel for Canadian, U.K., and European buyers.

Save a search on the Buy page with your filters (strategy, market, price, beds). We'll email you the moment a new listing matches — typically within hours of it being added to the platform.

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.

Whatever you and the buyer agree to: full seller financing (you hold the entire note), seller second (the buyer brings a bank first, you hold the gap), wraparound mortgages, or land contracts. Re-lo lets you specify rate, term, balloon, and down-payment requirements on the listing.

Yes — the mortgage stays in your name; the buyer is contractually obligated to make the payments. Most sellers structure this with a performance mortgage or trust to protect their credit. Re-lo provides template language and advisor referrals; consult a real-estate attorney before closing.

Every buyer creates a profile with verified contact info, intent (primary / investor / relocator), and proof of funds where applicable. You see the buyer's profile before accepting an inquiry. For subject-to and seller-financed deals, we also recommend a third-party background and credit check coordinated through your closing attorney.

Faster than a traditional sale — 21–45 days is typical for subject-to (no bank underwriting), and wholesale deals can close in 7–21 days when the buyer is cash. Seller-financed and rent-to-own deals depend on how quickly you and the buyer paper the agreement.

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.

Both are supported. List your assignment fee transparently on the listing (buyers expect it) or structure as a double-close through your title company. Re-lo doesn't process the transaction or collect the fee — we connect parties and stay out of the wire.

It depends. Florida, Texas, and Georgia don't require a license to wholesale a single deal but have rules around marketing the property vs. marketing the contract. Oklahoma and Illinois require licensure. Re-lo's wholesaler guide (Resources → Wholesaling) breaks down each state — consult an attorney before listing.

Re-lo runs conflict detection on every new listing — address normalization, geohash matching, and URL fingerprinting catch most duplicates instantly. When two wholesalers submit the same property, both are flagged and routed to admin review. The original submitter is given priority while the conflict is resolved.