List your home, on terms you set.
Subject-to, wholesale, seller financing, rent-to-own — list however the deal makes sense. Our AI assembles the listing from whatever you have on hand, and motivated buyers find it within hours.
Built for creative-finance dispositions —
not another MLS clone.
Reach motivated buyers
Our audience is actively shopping creative-finance inventory — subject-to, seller financing, wholesale, rent-to-own. They arrive on Re-lo already understanding the strategy you're offering, so conversations skip the explainer phase.
AI handles the intake
Drop a CSV, paste a listing description, attach photos, or share a URL — our AI assembles a structured draft listing in minutes. You review, edit, and approve. No manual data entry, no copy-writing from scratch.
Leads route to you
Every inquiry on your listing is attributed back to you — by name, with the buyer's full profile, intent, and contact details. The conversation lives in your dashboard. We don't take a cut and we don't broker the transaction.
The fastest listing
you’ve ever written.
Drop a CSV, paste a description, attach photos, or share a URL. The AI extracts the address, beds/baths, asking price, mortgage details, and any financing terms — then checks the database for possible duplicates before submitting.
You review and approve. The listing goes to our admin queue for a final human pass, typically within one business day.
Four ways to disposition.
Re-lo isn’t a one-strategy listing platform. Pick the structure that matches your equity position, your timeline, and your tolerance for tax events.
For owners with a low-rate mortgage they want to monetize.
If your loan is FHA, VA, or any pre-2022 conventional at 2.5–4%, that rate is worth real money to a buyer. Subject-to lets you transfer the property while the loan stays in your name and the buyer continues your payments — typically priced 5–10% above conventional comparables because the financing is part of what they're buying.
Learn how subject-to worksFor wholesalers placing assignments and motivated sellers prioritizing speed.
List the property (or your assignable contract) and reach a buyer pool actively shopping discounted, off-market inventory. Typical close in 7–21 days for cash. Assignment fees disclosed transparently on the settlement statement. We don't touch the wire — you and the end buyer close direct.
Learn how wholesale worksFor owners wanting income, tax deferral, or to widen the buyer pool.
Become the bank. Set your own rate, down payment, amortization, and balloon. Spread your capital gain across years under the installment-sale rules. Open the property to buyers who can't easily qualify for conventional financing — often at a higher sale price than a cash-only listing.
Learn how seller financing worksFor owners open to a lease-with-option, often to relocators building U.S. credit.
12–36 month lease with a pre-agreed strike price. Option fee + rent credits accumulate toward the buyer's down payment at exercise. Strong fit for Canadian relocators who need 18–24 months to season U.S. credit. You collect rent in the interim; they build toward purchase.
Learn how rent to own worksSubmit your deal.
An advisor will reach out within one business day to walk through the structure, confirm document requirements, and get your listing into the queue.