We are pioneering a new category of GAP funding and building working relationships with high-quality real estate investors that wholesale.
We close on the property in our business name and hold the title for you — this keeps further costs away from you on the legal side. We provide you an Option to Purchase the property at the price you agreed with the former owner. This is commonly referred to as the A2B side of the transaction.
Most wholesalers get an agreement with homeowners that they can close in under 30 days. We honor that times three to give you optional time if needed. The faster the better — holding longer than 30 days costs us and you more — but it is very manageable and you get peace of mind that it is there.
We have a maximum of 90 days usage on the money. At that benchmark, if for some reason you still are not able to sell the property (the B2C side), our company steps in and sells it and we cut bait from the deal together. We do not foresee this being an issue, as our experienced underwriting team considers your A2B side critically and thoughtfully with the goal of a win/win.
States we fund in
We are accepting applications in AZ, OK, GA, FL, TN, SC and NC — with more coming soon.
Expenses wholesalers / investors pay for 100% Funding
A2B Closing
- $1,250 flat admin fee (paid upfront to start loan)
- $350 inspection fee (paid upfront to start loan)
- 1 pt (1%) of purchase price
- Closing costs
B2C Closing
- 20% of the gross profit or $4,000, whichever is greater
- 1 pt (1%) per 30 days for money held, up to a 120-day max
- Any costs prepaid on A2B Closing will be reimbursed back to TDF
Profit calculator
Plug in your numbers to see your cash to close at the A2B side and what you keep after our fees at the B2C side.
What you will pay to buy the property from the seller.
Example: $150,000
What you expect to sell the property for.
Example: $190,000
1 point (1% of the purchase price) per 30 days of money held — currently 2 pts at $1,500.00 each. Terms cap at 90 days.
Example: 60 days
Typically 2–3% of the A2B purchase price.
Example: $2,500
Roughly 0.5% of the A2B purchase price.
Example: $750
Due at the A2B closing.
Example: $350
Flat $1,250 due at the A2B closing.
Example: $1,250
Funding structure
On 100% funding you bring $0 toward the purchase. If underwriting asks for option money (often 5% or 10%), that amount is added to your cash at the A2B closing — currently $0.00.
Cost & fee breakdown
Every line item you pay, based on the numbers above.
A2B closing — due upfront
- Take Down admin fee (flat)
- $1,250.00
- Inspection fee (flat)
- $350.00
- Title & closing costs (1.67% of purchase)
- $2,500.00
- 90-day property insurance (0.5% of purchase)
- $750.00
- Option money (100% funding)
- $0.00
- Total cash to close
- $4,850.00
B2C closing — paid from the sale
- Take Down profit split (20% of gross profit)
- $8,000.00
- Points held (2 × 1% of purchase = $1,500.00 per 30 days)
- $3,000.00
- Insurance reimbursed to Take Down
- $750.00
- Total paid to Take Down at B2C
- $11,750.00
Costs prepaid at the A2B closing are reimbursed back to Take Down at the B2C closing.
Your deal
Your net profit
$28,250
Cash to close: $4,850.00 (100% funding)
We'll email this profit estimate to the address you enter.
A2B closing — paid upfront
- Take Down admin fee
- $1,250.00
- Inspection fee
- $350.00
- Title & closing costs
- $2,500.00
- 90-day insurance
- $750.00
- Cash to close
- $4,850.00
B2C closing
- Resale price
- $190,000.00
- Purchase price
- $150,000.00
- Gross profit
- $40,000.00
- Take Down split (20% of profit)
- $8,000.00
- Your 80% share
- $32,000.00
- Points held (2 × $1,500.00)
- − $3,000.00
- Insurance
- − $750.00
- Your net profit
- $28,250.00
Points schedule — 1% every 30 days
One point equals 1% of your $150,000.00 purchase price = $1,500.00. Each 30-day increment you start bills a full point, so a partial month still counts as one. Terms cap at 90 days (3 points).
- Point 1 — days 1–30
- $1,500.00
- Point 2 — days 31–60
- $1,500.00
- Total points for 60 days (2 pts)
- $3,000.00
Day 61 starts a new increment and would add another $1,500.00.
Take Down takes 20% of the gross profit (or $4,000, whichever is greater); you keep the other 80% less points and insurance.
Estimates only. Final figures come from underwriting and your settlement statement.
* If the property is not resold in 90 days our company will take over to market and sell it, and the agreement between us is void.
** The title is held in our company name with an Option to Purchase provided to the wholesaler / investor.