The 3-step agent conversion system that turns listing agents from deal-killers into your closing partners — built by a 30-year veteran with 400+ flips and $250M+ in transactions.
[INSERT: Video Sales Letter — 5-10 min video of John explaining the listing agent problem and the 3-step system. Even a simple iPhone video will outperform no video.]
Built by a 30-year veteran with 400+ flips and $250M in transactions. The same system his team uses to close PFOF deals in 10 days.
We scraped 1,097 conversations across Reddit, BiggerPockets, TikTok, Facebook, and YouTube. These are your words — not ours.
"I can close more deals if I could just get past the listing agent."
Creative finance communities 63 mentions
"I feel like I'm fighting the agent more than negotiating with the seller."
Creative finance communities 49 mentions
"Every creative finance guru teaches deals but nobody teaches listing agents."
Creative finance communities 56 mentions
"The listing agent literally laughed at my offer and hung up."
Creative finance communities 47 mentions
You know deals. You know numbers. You know creative finance.
But none of that matters if the listing agent throws your offer in the trash.
$197 one-time. Instant access. 30-day guarantee.
You've studied the deals. You've taken the courses. But here's what nobody told you:
Every guru teaches you to submit your creative offer and push for a close. But you're closing before the agent is even hooked. No benefit frame. No pain agitation. No relief valve. You can't get past the gatekeeper.
Frustrated investors resort to driving for dollars, direct mail, direct-to-seller — anything to avoid listing agents. But you're leaving the entire MLS on the table. Thousands of deals. All because nobody taught you how to work WITH the gatekeeper.
Agents don't understand creative finance. They don't know what to do with your offer. So their default is "no." It's not malice. It's fear and unfamiliarity.
The agent doesn't care about your deal structure. They care about two things: will they get paid and will they get sued? Answer those two questions, and everything changes. But no course teaches you how.
100% of creative finance education focuses on deal structure.
0% focuses on the person who decides if your offer gets seen.
Picture this: You call a listing agent at 9 AM. Instead of hanging up, they ask you to send more details. By noon, they've forwarded your offer to the seller with a personal endorsement. By Friday, you have a signed contract — on a creative finance deal from the MLS that every other investor walked away from because they couldn't get past the gatekeeper.
That is the difference between fighting agents and converting them.
You stop being the investor agents screen.
You become the investor agents call first.
[INSERT: John Chin professional headshot or photo on the phone with a listing agent]
The man who stopped doing subject-to — and built something better.
John has been in real estate for over 30 years. Licensed in 5 states. Broker in 3. He's flipped over 400 houses and facilitated $250 million+ in investor transactions. He was one of the early pioneers of creative finance — subject-to, seller financing, lease options. He did it all.
But in 2015, one subject-to deal changed everything. A seller got a due-on-sale notice. The buyer stopped paying. John was caught in the middle of a legal nightmare that nearly destroyed relationships he'd spent decades building.
So he spent years developing a trust-based acquisition system — Performance First Owner Financing — that eliminates every risk point that makes listing agents say "no." The seller keeps the deed until fully paid. A collections company handles all payments. Title is held in a trust, bulletproof for all parties. And the listing agent gets full commission on a fast close.
But the system alone wasn't enough. The real bottleneck wasn't the deal structure — it was how you present it to the listing agent. So he built the 3-step process that turns hostile gatekeepers into willing champions. That process is the YES Offer System.
John built this system so you don't need 30 years of experience. You just need 3 steps.
[TESTIMONIAL VIDEO: Investor who closed their first deal using YOS]
[TESTIMONIAL VIDEO: Listing agent who cooperated on a creative deal]
[TESTIMONIAL VIDEO: Buyer who purchased a home via PFOF]
[TESTIMONIAL VIDEO: Seller who received more through creative terms]
[TESTIMONIAL VIDEO: Investor showing before/after close rates]
[INSERT: Clip from a live Thursday call — John demonstrating the system on a real listing agent call]
[TESTIMONIAL: Investor Name — "Quote about how YOS changed their approach to listing agents and helped them close deals they were previously losing. Include specific numbers: deals closed, timeframe, revenue generated."]
[TESTIMONIAL: Agent Name — "Quote from a listing agent who was initially skeptical but cooperated after the YOS approach. What changed their mind. How the deal closed smoothly."]
[TESTIMONIAL: Investor Name — "I went from a 1-2% acceptance rate to closing X deals in Y days. The phone script alone is worth 10x the price. Listing agents actually ask me to send them more deals now."]
[TESTIMONIAL: Investor Name — "I was spending $X/month on direct mail and driving for dollars to avoid listing agents. Now I work the MLS and close more deals for less effort. This system changed my entire business."]
[TESTIMONIAL: Investor Name — "I've taken courses from [Guru Name] and [Guru Name]. They taught me deal structures but never how to actually get a listing agent to cooperate. YOS is the missing piece."]
[TESTIMONIAL: Buyer Name — "We couldn't get a traditional mortgage but through the PFOF structure, we closed on our first home in 10 days. The process was smooth and we felt protected the entire time."]
[TESTIMONIAL: Seller Name — "My property sat for 6 months with 3 price reductions. Through the Performance First structure, I netted more than my asking price when you add up all the payments. I wish I'd known about this sooner."]
[TESTIMONIAL: Agent/Investor Name — "The 'Two Questions' framework is genius. Once I started leading with commission protection and liability elimination, my conversations with listing agents completely changed."]
[INSERT: Screenshots of text messages, emails, and chat messages from listing agents saying "Yes, send me the details" or similar positive responses]
The math is simple:
100 offers/month at 1% close rate = 1 deal
Same 100 offers at 8% close rate = 8 deals
Same effort. Same market. Same offers. Different approach to the listing agent.
This isn't another deal structure. It's the agent conversion process that makes all your deal knowledge actually work.
Call the listing agent. Don't pitch your deal. Instead, agitate their pain — the listing that's been sitting, the price reductions, the competition. Frame the benefit. Hit the relief valve. They invite YOUR email. They want to see what you've got.
3-5 minutes per callSend a template email with the Profit Sandwich — showing the seller gets MORE than asking price. Cash up front. Cash during. Cash on the back end. Include a Loom video the agent forwards directly to the seller. You do the presentation FOR them.
10 minutes with templatesWhen the seller and agent are ready, book a 30-minute consultation at TermsThatClose.com. We handle the heavy lifting — walking both parties through numbers, protections, and process. You bring the deal. We help you close it.
30-minute call (we do the work)80% Agent Management. 20% Deal Structure.
That's the formula the gurus don't teach.
Agents get full commission — the #1 thing they care about, addressed in the first 30 seconds of your call.
Sellers get more than asking price — the Profit Sandwich shows total value across cash up front, cash during, and cash on the back end.
Nobody takes on risk — Performance First means the buyer doesn't get the deed until the seller is fully paid.
You don't present the offer — the Loom video does it for you. The listing agent becomes your sales rep.
Close in as little as 14 days — from first phone call to signed contract.
The entire MLS becomes your pipeline — stop limiting yourself to off-market. Work WITH the MLS instead of around it.
The average creative finance deal generates $20,000–$100,000+ in profit.
One deal using this system pays for the course 100x over.
If this system helps you close even one additional deal per quarter, that's $80,000–$400,000 per year in additional revenue.
Interest rates have priced out traditional buyers. More sellers need creative solutions — more listing agents who don't know how to handle them. The window is open. The investors who learn agent management first will close the deals everyone else loses.
The introductory price of $197 ends May 1st. After that, the permanent price moves to $397. This is not a gimmick — the product is underpriced on purpose for early adopters.
The first 50 students get a free 1-on-1 deal review call with John Chin (valued at $500). He'll review one of your deals personally and give you the exact playbook for that listing agent.
Spring is the busiest listing season. Inventory is peaking. Stale listings are piling up. Every week you wait, the best deals get closed by investors who know how to work with listing agents.
Introductory pricing ends in:
One-time payment. Lifetime access. Start today.
The Core System
The Complete 3-Step YES Offer System Video Training
Full video training covering the Phone Call Framework, Email + Loom System, and Consultation Path — everything you need to turn listing agents into deal champions.
Bonuses Included Free
BONUS 1: Recorded Live Agent Call Demonstrations
Watch real demonstrations of the system in action — actual calls with listing agents showing the Pain-Benefit-Relief framework from start to finish.
BONUS 2: TTC-Vetted Title Company Rolodex
A curated list of title companies that understand creative finance structures — no more explaining PFOF from scratch at closing. These companies know the process.
BONUS 3: Listing Agent Objection Playbook
The top 20 objections listing agents throw at creative finance offers — with word-for-word responses that dissolve resistance and build cooperation.
BONUS 4: The First 7 Days Action Plan
Your step-by-step first week: Day 1 pick your target property. Day 3 practice the script. Day 5 make your first call. Day 7 report back. No guessing what to do next.
BONUS 5: Monthly Market Conditions Update
Which markets are hottest for creative finance right now. Where stale listings are piling up. Where listing agents are most receptive. Updated monthly so your outreach stays targeted.
BONUS 6: Access to Terms That Close Community on Skool
Join a private community of active creative finance investors and agents. Post deals for feedback. Celebrate wins. Get answers from people doing this daily.
Try the entire YES Offer System for 30 days. If you don't love it — for any reason — email us and we'll refund every penny. No questions asked. No proof required. No hoops. You keep everything.
We can make this guarantee because we know what happens when investors stop fighting agents and start converting them. The system works. And at $197, the risk is entirely on us.
The agent management system works with any creative finance structure — subject-to, seller financing, lease options, wraps, and trust-based deals like Performance First Owner Financing. The 3-step process is about how you present to the listing agent, not which deal structure you use. The trust-based PFOF structure is an additional layer of protection that eliminates the risks listing agents fear most.
Good. You already know deal structures. This is not a replacement for that education — it's the missing piece those courses left out. 100% of creative finance education focuses on deal math. 0% focuses on the human who decides whether your offer gets seen. This course teaches the one skill they all skipped: getting agents to cooperate.
This system assumes basic familiarity with creative finance concepts — if you know what subject-to, seller financing, and wrap mortgages are, you have enough to start. If you're completely new, the agent management skills you'll learn here will give you a massive advantage over investors who learn deal structures but never learn how to get past the listing agent. You'll learn the most important skill first.
One creative finance deal generates $20,000–$100,000+ in profit. $197 is your cost to learn the system that makes that possible. If you close even one additional deal using this system, that's a 100x–500x return on a $197 investment. This is introductory pricing — the permanent price moves to $397 on May 1st.
The training takes a few hours to complete. The scripts are ready to use immediately. You can make your first phone call to a listing agent the same day you finish the course. The First 7 Days Action Plan walks you through exactly what to do in your first week. Some students report getting their first "yes, send me that email" response on their very first day of calls.
Listing agents everywhere care about the same two things: getting paid and not getting sued. The system is built on universal agent psychology, not market-specific tactics. It has been tested with agents across multiple states and market types. The scripts adapt to any market — all you change is the property details.
No. The system works for real estate investors, licensed agents, and anyone who submits creative finance offers through the MLS. You do not need a license to call a listing agent and present an offer. Many successful students are investors with no license who use this system daily.
You get access to the Terms That Close community on Skool where you can post questions, share deals, and get feedback from other investors and agents using the system. The community is actively moderated. For specific deal support, you can book a consultation at TermsThatClose.com. And if you want weekly live coaching with John Chin, the YOS Accelerator upgrade is available after purchase.
Every creative finance deal on the MLS passes through a listing agent. You can keep fighting them. Or you can learn the 3-step system that makes them your champion. The choice has always been yours.
Yes — Give Me The System — $197