Unlock Profits with Smart Property Investments
At the heart of 3G Invest is our commitment to problem-solving. We understand that selling or investing in property often comes with unique challenges. Our team is dedicated to listening, understanding, and crafting solutions that not only meet but exceed your expectations.
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Pioneering Real Estate Solutions for Modern Challenges
At 3G Invest, we understand that the world of real estate is as diverse as the stories behind each property. We're more than just a real estate company; we're your strategic partners in navigating the complexities of real estate transactions. Whether you're dealing with a straightforward sale or a unique challenge, our team is adept at offering both cash purchases and creative financing solutions. We specialize in catering to a variety of needs, including low equity, no equity, novations, vacant properties, tired landlords, foreclosures, and off-market deals.
Our Network of Partners:
Real Estate Agents:
We partner with top-tier agents who bring in-depth local market knowledge and negotiation skills to the table.
Financial Experts:
Our network includes skilled loan officers and financial advisors who simplify the complexities of real estate financing.
Legal Professionals:
We collaborate with experienced title attorneys to ensure every transaction is secure, transparent, and legally sound.
Industry Specialists:
From underwriters to property managers, our extended network of professionals is ready to tackle any real estate challenge.
Customized Seller Solutions:
Every seller's situation is unique, and so are our solutions. Whether you're facing financial difficulties, dealing with an inherited property, or simply looking for a quick sale, we're here to devise a strategy that works specifically for you.
Building Trust and Transparency:
Showcase your property marketing and advertising services. Describe how you market properties to a network of investors, including utilizing online platforms, email marketing, and direct outreach. Emphasize your ability to attract a pool of potential buyers quickly.
Flexible and Creative Approaches:
Our team excels in creative problem-solving. We offer flexible solutions that adapt to your specific circumstances, ensuring a hassle-free and satisfactory selling experience.
Real Estate Consultation: Network Building
Discover the untapped potential of your real estate assets with our personalized consultation services. Whether you're looking to sell, invest, or redevelop, our strategic insights and market analysis can guide you towards profitable decisions.
A Gateway to a Network of Real Estate Professionals
FAQS
What is 'Subject-To' in Real Estate Transactions?
A 'subject-to' transaction involves purchasing a property while keeping the existing mortgage in place. This means we assume responsibility for the existing mortgage, adhering to its terms. It's a recognized strategy by the IRS and is detailed in HUD statement lines 203 and 503. HUD STATEMENT LINK
How are Sellers Protected in a 'Subject-To' Transaction?
Sellers are safeguarded by a Performance Deed, prepared by the closing Title Company. This legal document allows the property's ownership to revert to the original owner, avoiding foreclosure and legal fees, if necessary.
Do you make payments to me, then I pay the mortgage?
No, we streamline the process by employing a loan servicing company to manage our agreement. This ensures that all loan-related tasks are handled professionally, offering peace of mind to the seller.
How do I submit information for a tailored offer?
Please send us an email with the following details:
Full Address, Loan Amount
Remaining Interest Rate
Monthly Payment
List Major Repairs Needed.
This information is crucial for us to create a custom offer for you.Submit Information
What happens after I provide my property information?
We'll review your information and might contact you for additional details. Our aim is to make a fair and honest offer, with no obligation for you to accept. If you choose to sell to us, the process is efficient, and you get to choose the closing date.
What if I have Low or No Equity in my Property?
Even if your property has low or no equity, we can still purchase it. Our approach is designed to provide relief and a fresh start for homeowners in such situations. We focus on preserving your dignity and ensuring financial stability post-sale
How does 'Subject-To' affect my Debt-to-Income (DTI) Ratio for future loans?
At times, the individual responsible for a mortgage debt may not be the one making the actual repayments. In such scenarios, lenders have specific criteria for excluding the monthly housing expense (PITIA) from the borrower's list of recurring monthly obligations. This can be crucial for borrowers concerned about their Debt-to-Income (DTI) ratio.
Criteria for Exclusion of Monthly Housing Expense:
Obligation on Mortgage Debt: The party making the payments must be obligated on the mortgage debt.
No Recent Delinquencies: The payment history for the most recent 12 months must be free of any delinquencies.
No Rental Income Consideration: The borrower should not be using rental income from the property in question to qualify for the mortgage.
Excluding Non-Mortgage or Mortgage Debts from DTI: To consider excluding non-mortgage or mortgage debts from a borrower’s DTI ratio, lenders require substantial proof of payment history.
This includes:
Documentation Requirement: The borrower must provide the most recent 12 months' cancelled checks or bank statements.
Payment History: These documents should clearly show a 12-month payment history with no late or missed payments.
Further Information on Mortgage DTI Assessments: For a more comprehensive understanding of how these scenarios impact mortgage DTI assessments, we encourage reviewing the detailed guidelines provided by Fannie Mae. These guidelines offer valuable insights into how lenders evaluate DTI ratios in unique mortgage situations.
Effortless Home Transitions: Upgrade or Downsize on Your Terms
Navigate the change in your living space with ease. Whether you're moving to a larger home or opting for something cozier, we buy your property in its current state and cover all renovation expenses. Experience a seamless and cost-effective selling process with us.
What Solutions Do You Offer for Avoiding Foreclosures?
We simplify foreclosure complexities, exposing all available options. Our goal is to enable homeowners to walk away on their terms, offering flexible solutions tailored to individual situations
What Options Do You Provide for Frustrated Landlords?
We step in to alleviate the burdens of property management, saving time and money for homeowners who no longer wish to be landlords.
What Support Do You Offer for Life-Altering Events?
We understand the challenges of job transfers, unexpected deaths, serious illnesses, or divorces. Our flexible options are designed to provide support during these difficult times.
How Do You Handle Expired Listings?
For homes with expired listings, we offer direct buying options, avoiding traditional sales losses. We help you understand all your options, ensuring a smooth and beneficial selling process.
