Unlocking a $12 Trillion Market
The Perfect Market Moment
Market conditions, regulatory clarity, and technology convergence create an unprecedented opportunity for seller financing to scale at institutional levels.
With sellers locked into 2-4% rates and buyers facing 6.5%+ mortgages, the gap creates massive demand for alternative solutions that traditional lending refuses to address.
We apply the best practices of conventional lending combined with the best practices of seller financing. We work with specialized attorneys and title companies with 10,000s of closed transactions under their belts.
AI-powered seller targeting, automated underwriting, and digital closing technology make seller financing scalable for the first time in history.
Our proprietary underwriting and transaction structure protects all parties through:
- •Due-on-Sale Protection: Specialized trust mechanisms safeguard sellers when their original lender has due-on-sale clauses
- •Comprehensive Buyer Vetting: Rigorous underwriting reduces transaction risk and ensures qualified borrowers
- •Seller Financing Wraps: Proprietary trust structures enable sellers to monetize existing mortgages safely
Two Underserved Buyer Pools
Conventional lending has abandoned these borrowers. MORE opens doors that traditional banks refuse to unlock.
Self-employed professionals strategically reduce reported income on tax returns to maximize deductions. Banks see lower income and deny them—even though they have substantial actual cash flow.
Real Example - Contractor:
A contractor reports $100K on tax returns after maximizing legitimate deductions, but bank statements show $180K in annual deposits. Traditional lenders qualify them for $300K based on reported income. MORE evaluates actual cash flow and qualifies them for $550K—the home they actually deserve.
The MORE Solution:
We look at actual cash flow, bank statements, and business fundamentals. We qualify them for what they can truly afford—unlocking their purchasing power.
Perfectly qualified borrowers with strong jobs, savings, and reserves—but a temporary credit event destroyed their score. Banks won't look past it.
Real Example - Divorce Scenario:
A couple divorced and each received $2MM from the sale of their $4MM home. She has a $175K tech job, $2MM in liquid assets, and wanted to purchase a $2.5MM home in a specific school district. She planned a $750K down payment but her credit score dropped below 560 due to 10 months of disputed Amex bills during the divorce.
Traditional banks rejected her despite strong income, substantial reserves, and significant down payment—all because of the temporary credit blip.
The MORE Solution:
We worked with the agent to find a seller willing to accept seller financing. The seller received their full asking price plus $750K down payment and ongoing monthly income. Since the seller's original mortgage had a due-on-sale clause, we structured a proprietary seller financing wrap using a specialized trust that protected the seller from triggering the due-on-sale clause.
She entered a credit repair program with a 2-year balloon term. Once her credit restored, she refinanced into a traditional mortgage. Clear line of sight to payoff.
Inheritance in Probate
Buyer found their dream home today but inherits funds next year. We close now, refinance when probate clears.
Recent Job Change
Excellent candidate who just changed jobs. Traditional banks require 2 years employment history. We evaluate the full picture.
Non-Traditional Income
Freelancers, gig workers, and commission-based earners with strong fundamentals but inconsistent income documentation.
Bridge Financing
Buyers waiting for their current home to sell. We provide bridge financing until their sale closes.
MORE Seller Financing: The Release Valve
We've built the first institutional-grade platform to standardize seller financing, unlocking the market for everyone.
- Unlock liquidity without giving up low rates
- Achieve higher sale prices
- Earn passive income
- Access below-market rates in the 3's and 4's
- Secure homes they couldn't otherwise afford
- Fully underwritten and compliant
- Close more deals in any market
- Expand revenue streams
- Build scalable downline income
"We are not a marketplace. We are the infrastructure that makes these deals possible."
Solving Three Structural Problems Simultaneously
Problem 1: Agents
Getting squeezed out of listings and income in this rate environment. They need another tool other than a price drop.
Problem 2: Sellers
Stuck sitting on golden-handcuff mortgages with no real way out. Seller financing becomes their escape route.
Problem 3: Buyers
Who can absolutely qualify are getting boxed out by a lending system that doesn't know where to put them.
What Makes This Defendable
MORE turns seller financing into a scalable, repeatable listing strategy. It gives agents a path into lending participation without chasing licenses or staying confined by geography. It layers in revenue every time a transaction happens—and the more agents in the system, the more that engine compounds.
And it does all of that without carrying inventory, capital risk, or exposure to rate swings.
📉 Rates Drop?
We pick up volume.
📈 Rates Stay High?
We become essential.
Either way, agents still need to win. And this gives them a way to do it.
This isn't a product bet for investors. It's a platform.
The MORE Sweet Spot
We specialize in solving a specific market inefficiency: enabling sellers to achieve their target prices while simultaneously solving buyer affordability challenges.
An $800K home at 4.99% interest carries the same monthly payment as a $650K home at 6.75%.
Same monthly payment. Seller achieves target price. Buyer purchases more home.
This is the core of our value proposition: sellers no longer need to accept price reductions to move inventory. Instead, they offer favorable financing terms that expand the buyer pool and unlock their asking price.
Homes: $800K and Above
Premium properties where seller financing creates meaningful competitive advantage and attracts qualified buyers.
Buyers: 20%+ Down Payment Capacity
Qualified buyers with substantial down payment reserves who can access below-market rates and purchase more home.
Seller Monetization
Even with existing mortgages, sellers monetize their low rates and generate ongoing monthly income from the interest rate spread—creating passive income post-sale.
Seller financing becomes a powerful alternative to price reductions. Instead of negotiating down from $800K to $750K, agents offer creative financing that keeps the seller's price intact while expanding the qualified buyer pool. This transforms MORE into an essential tool in every agent's toolkit—particularly in premium markets where price sensitivity is highest.
A $12 Trillion Systemic Failure
This is not a niche market—it's one of the largest untapped financial opportunities in the U.S. housing sector.
Demand for alternative financing is accelerating among self-employed buyers, entrepreneurs, and high-net-worth individuals who are underserved by traditional banks.
Proven Demand & Accelerating Adoption
We are fully operational with demonstrated market fit and real-world results.
Enterprise Partnerships
Signed partnership with eXp Luxury and adopted by agents across major national brokerages, providing access to thousands of agents and consistent deal flow.
Five Revenue Streams, One Agent-Centric Platform
MORE is infrastructure for modern real estate transactions. Each revenue stream is independently monetizable but compounds in value when connected through our platform.
Structuring fees and transaction coordination for compliant seller-financed deals
Purchase loan participation and refinance referral income through Federal Savings Bank partnership
Title premiums and closing fees from agent-owned joint venture
Interest-rate arbitrage, capital recovery, and agent referral fees from cash offer acquisitions
Recurring servicing fees and insurance placement commissions
Why This Model Works
Multiple Revenue Streams
A single transaction generates revenue from several sources simultaneously
Network Effects
As agents recruit and grow teams, transaction volume increases exponentially
Capital-Light Growth
No balance sheet risk—we don't fund loans or hold mortgages
Why We Win
The first and only platform to standardize seller financing at institutional scale
25+ years of mortgage and real estate expertise built into our DNA
Distribution model drives organic, exponential growth through agent networks
No lending or balance sheet risk—revenue scales without capital deployment
Unique federally chartered partner bank relationship simplifies compliance
First platform allowing agents two-level downline across financing verticals
Experienced Leadership with a Proven Track Record
25+ years in mortgage lending and real estate finance. Pioneering scalable seller financing solutions and transforming how agents participate in lending.
25 years in mortgage lending and creative financing. Leading national expansion efforts and building partnerships with top brokerages across the country.
Scalable Agent-Centric Distribution Strategy
Targeted national distribution through established agent ecosystems, strategic partnerships, and high-adoption brokerage focus.
- Retechnology
Access to ~650,000 agents
- Labcoat Agents
Access to ~500,000 agents
- SkySlope
Transaction software platform serving ~800,000 agents
Co-branded education campaigns positioning MORE as a revenue expansion model
- eXp Realty
- LPT Realty
- Real Brokerage
• Platinum sponsorships at national conferences
• Educational breakout sessions + structured onboarding
Growth-oriented listing agents
Team leaders seeking diversified income
Luxury and rate-sensitive market operators
Agents already aligned with ancillary revenue models
Strategic Advantage
Precision distribution into entrepreneurial agent communities already primed for revenue expansion — accelerating adoption while minimizing customer acquisition cost.
Join Us on WEfunder
Invest in the transformation of residential real estate finance with favorable terms and significant upside potential.
Conversion Mechanics
- •Converts at the lower of $12.5M valuation cap or 20% discount during qualified financing
- •Accrues 10% annual interest until conversion or maturity
- •If not converted, principal plus accrued interest due on demand at maturity
$2.5M Use of Funds Allocation
Targeting Criteria
- •Properties on market 60+ days
- •Property value $800K+
- •Current mortgage rate <4%
- •Home equity position >30%
Market Opportunity
These sellers represent a massive untapped market. They are locked into ultra-low rates and have significant equity—making them ideal candidates for seller financing solutions that unlock liquidity without sacrificing their rate advantage.
Get a comprehensive one-page overview of MORE's market opportunity, financial projections, and investment terms. Perfect for sharing with potential investors and partners.
What's Included:
- ✓ Market opportunity and problem statement
- ✓ Current traction and financial projections
- ✓ Use of funds breakdown
- ✓ Investment terms and ROI potential
- ✓ Leadership team overview
- ✓ Next steps for investors
Minimum: $50,000
Target exit: Less than 7 years
Your 50000 investment grows to $2.86M by Year 5
Key Terms
- ✓ Investor Payback First: Your initial investment is returned before any distributions
- ✓ Future Equity: Remaining profits shared based on your equity percentage
- ✓ 20% Discount: You receive a 20% discount on valuation cap
- ✓ Valuation Cap: $12M (your investment is capped at this valuation)
- ROI %
- Total Value
| Year | Investment | Exit Value | Profit | ROI |
|---|---|---|---|---|
| 1 | $50K | $0K | $-50K | 0% |
| 2 | $0K | $0K | $0K | 0% |
| 3 | $0K | $0K | $0K | 0% |
| 4 | $0K | $2.3M | $2.3M | 4471% |
| 5 | $0K | $2.9M | $2.9M | 5614% |
| 6 | $0K | $3.4M | $3.4M | 6757% |
| 7 | $0K | $4.0M | $4.0M | 7900% |
Disclaimer:
These projections are based on MORE's financial targets (18,000 transactions/year, $225M net profit, $1B exit valuation in <7 years). Actual results may vary. Past performance does not guarantee future results. This is not investment advice. Please consult with a financial advisor before investing.