Safe Creative Financing
Safe Creative Financing
The Yes Offer System
The 3-step offer system that gets listing agents to push your creative finance offers to their sellers — and unlocks 90% of the inventory that was previously off-limits.
Get the Yes Offer System — $197You understand subject-to, seller financing, wraps, and lease options. But every time you call a listing agent, you hear the same thing.
“Most realtors do not understand subject to. They would be deadweight in the transaction.”
Eliott Elias, BiggerPockets
“In my previous experience with agents, they just do not get it. One of the brokers told me that it is not legal.”
Yuriy S., BiggerPockets
“Real estate agents are quick to discredit you if you mention owner financing.”
John H., BiggerPockets
“If you are dealing with an agent you are basically sunk in my experience.”
Brian Haskins, BiggerPockets
“Even if you get the agent to understand what you do, he most likely won't present it to the seller in the right wording.”
BiggerPockets Investor
This is the real bottleneck. Not your deal structure. Not your market knowledge. Not your capital. It's the five-minute phone call with the listing agent that decides whether your offer ever reaches the seller — or dies in their inbox. And it's the single reason smart, educated investors stay stuck.
We've studied hundreds of creative finance investors. They fall into two categories — and the difference has nothing to do with experience, capital, or market.
The Deal Maker doesn't know more than you. They just know one thing you don't — how to make a listing agent feel safe enough to say yes.
That's it. That's the entire gap.
Here's the uncomfortable part: you already have the knowledge. You understand the structures. You've done the work. You are not missing education — you're missing one conversion skill that nobody bothered to teach you.
So you keep collecting. Another course. Another community. Another script PDF. Another podcast episode about someone else's deals. Meanwhile, the same properties you're analyzing on the MLS get sold traditionally — because the listing agent wouldn't take your call.
90% of available properties sit on the MLS right now. Organized. Searchable. Ready. And you've been told to ignore all of them because “creative finance only works off-market.”
The difference between a Professional Student and a Deal Maker isn't another course. It's a system for the five-minute conversation that determines whether your offer reaches the seller — or dies in a voicemail.
The 3-step process that turns Professional Students into Deal Makers — by converting listing agents from skeptics into advocates.
You play “Columbo.” Call the listing agent, reference their specific property, and ask one disarming question: “The property looks really nice — why has it been on the market for 90 days?” Then zip it. Let them vent. Surface the pain, agitate it with empathy, then hit the relief valve.
That’s when you ask the what’s-in-it-for-me power frame question.
You never use the phrase “creative finance.” Your only goal is four words from the agent: “Yes, send me that email.”
You calculate a “Profit Sandwich” using the included Loan Wrap Calculator — just four inputs — then assemble an email that presents the total cash going into the seller’s pocket as three numbers:
You record a short Loom video walking through the email — no face required — so the listing agent simply forwards it to the seller. No fumbled presentations. No lost-in-translation. Zero data about the seller’s existing mortgage needed.
Once the seller is hooked, you press the easy button. Book a 30-minute Google Meet consultation at TermsThatClose.com. An expert transaction consultant leads the meeting on your behalf — you don’t even need to be on the call.
The consultant pulls the seller’s actual mortgage statement, calculates the exact loan wrap numbers, addresses every objection, and generates the purchase documents. From contract to closing, an in-house transaction coordinator handles title, insurance, and the collections & disbursement company setup. Your work is done.
Industry average: less than 1%. That's an 18x improvement using the same leads everyone has access to.
How the YES Offer System works for buyers, agents, and investors. Introduction to Performance-First Owner Financing — and why Steps 1 and 2 require zero data about the seller’s existing mortgage.
The Zillow Filter Method to identify properties with seller pain. How to calibrate days-on-market by market type — from 30 days in hot markets to 4–6 months in buyer’s markets. No skip tracing. No data subscriptions. No mailers.
The “Columbo” phone call framework: surface pain, agitate with empathy, hit the emotional relief valve. Word-for-word script included. Never say “creative finance” — just get them to say “Yes, send me that email.”
The Loan Wrap Calculator — plug in four numbers and the “Profit Sandwich” builds itself. How to turn a $500K offer into “$648,671 total to the seller” using the 3C framework: Cash Up Front, Cash During, Cash on the Back End.
Assemble the email offer template, record a short Loom video walkthrough (no face required), and send. The agent simply forwards your video to the seller — removing all risk of a fumbled presentation. Zero mortgage data needed.
Your “Easy Button.” Book a 30-minute Google Meet at TermsThatClose.com. Expert consultants lead the call, pull the seller’s mortgage statement, calculate loan wrap numbers, handle objections, and generate the purchase documents. You don’t even need to be on the call.
Full system recap, next steps, and everything that comes with your membership: unlimited free TTC consultations, weekly live calls, the YES Offer Bot, and 50% off transaction fees.
| Resource | Cost | What It Teaches |
|---|---|---|
| Pace Morby SubTo | $10,000 | Deal structures (not agent conversion) |
| Other creative finance courses | $3,000–$10,000 | Wholesaling + creative basics |
| BiggerPockets Pro | $399/year | General RE education |
| Monthly off-market marketing | $3,000–$10,000/mo | Lead generation (10% of market) |
| The Yes Offer System | $197 once | The one skill none of them teach |
From the Founder
30+ years as a licensed Realtor, broker, property manager, and investor. Over 400 flips. I’ve sat on every side of the table — buyer, seller, agent, landlord, operator.
Here’s what I kept seeing: investors treated agents like obstacles. Agents treated investors like they were predatory. In the middle was a seller who actually needed a creative solution that nobody could deliver because the two sides wouldn’t talk to each other.
The Yes Offer System bridges that gap. It’s not about tricking agents. It’s about communicating in a way that makes them feel informed, respected, and safe enough to present your offer. When the seller, the agent, and the investor all win — deals close.
Good — that means you already have the knowledge of a Deal Maker. You're just missing the conversion skill that turns that knowledge into closed deals. The Yes Offer System doesn't compete with what you've learned. It's the piece that makes everything you already know actually work on listed properties.
Because Terms That Close profits from transaction fees to produce the paperwork and help close deals — not from selling courses. The $197 fee for the Yes Offer System simply separates serious deal makers from professional students. We'd rather you close a deal than think about closing a deal.
That's the entire point. This system was designed exclusively for listed properties with listing agents. If you're doing off-market deals, you don't need this. If you want to access the 90% of inventory sitting on the MLS, this is how.
Open Zillow. Apply the filters in the course. This system tells you exactly what to say when you call the listing agent and what to do, step-by-step, to get your offer in front of the seller and closed. You can literally start today.
You already have everything the Deal Maker has — except the one skill that makes listing agents say yes. This is that skill. $197. One system. The last piece.
Get the Yes Offer System — $197Go through the system, use the scripts, make the calls. If you don't see a measurable improvement in your listing agent conversations, we'll refund every dollar.
Free Training Guide
A 30-page road map to getting your creative finance offers accepted by listing agents. Inside you'll find:
You'll receive the guide instantly via text and email.
The YES Offer System Training Guide is on its way to you right now via text and email.