$500
Mel's down payment on her first seller-financed deal.
5 yrs
From $16k in the bank to six-figure passive income.
34
Rental units built using creative financing.
Watch Mel's talk · less than 10 mins
The system
wasn’t built for
you.
You’re doing everything right. Working hard. Saving when you can. But the math doesn’t work — and deep down, you know it.
01
Banks say no or make it impossible.
Self-employed? Non-traditional income? The bank wasn't designed for how you live. And waiting to become "lendable" costs you years.
02
You don't have a six-figure down payment.
Most real estate advice assumes you already have capital. We teach you how to build wealth starting from zero, or close to it.
03
Saving alone won't get you there.
A savings account wastes away to inflation. Wealth isn't built by saving more. It's built by putting money to work in assets that compound.
04
The people you love need more than you can give.
Aging parents. Your own retirement. Starting a family. These aren't abstract. They're the real reason financial freedom matters, and you can't afford to wait.
• TEDx Speaker — Editor's Pick
• Built six-figure financial freedom in 5 years
• Founder, Seller Finance Academy
• Author, Bank on Your Neighbor
• Former licensed social worker
I didn't get into real estate because I had a plan. I got into it because my dad got sick.
He was diagnosed with Alzheimer's at 67. No retirement savings. The care he needed cost $7,000 a month. I was a social worker making $3,000 a month. I sat by his hospital bed holding his hand and realized I couldn't help him. Not because I didn't love him enough. Because I didn't have the money.
That cracked something open in me. I had spent my entire adult life believing wealth was the problem. That people who chased money were the bad guys. Standing in that hospital room, I finally understood what that belief had cost me.
"I spent years believing wealth was the problem, when in truth, the lack of it was costing us dearly."
After he passed, I quit my job. I had $16,000 in the bank, a brand new mortgage, and more determination than common sense. I threw myself into real estate.
Within a year, I closed my first seller-financed deal. $500 down. No bank. Just a conversation with a seller who had a problem I could solve. Five years later, I had 34 rental units and six figures in passive income.
Then I made debt mobile. I took that original seller-financed note, split it into two, did a cash-out refinance, and pulled out $205,000 tax free. Used it as the down payment on a 20-unit property — also seller-financed. Sold the 20-unit three years later for a $425,000 profit. Still have the original triplex.
That is not luck. That is a method. And that's what I teach inside the Seller Finance Academy.
I started this program because I kept meeting people who were exactly where I was before I figured this out. Smart, hardworking, values-driven people who assumed real estate was for someone else. Someone with more money, better connections, a different background. That's not true. I'm proof. And so are the hundreds of students who've closed their first deals inside this program.
You don't need a bank's permission to build wealth. You need a different playbook — and someone to walk it with you.
Not Financial or Legal Advice: The information provided by Seller Finance Academy is for educational purposes only. SFA is not a law firm, a tax professional, or a registered investment advisor. Seller financing involves legal contracts and financial risks; we strongly recommend you consult with a qualified attorney and a tax professional before entering into any real estate transactions.
Results may vary.*
You work directly
with the seller.No
bank in the room.
Instead of borrowing from a bank, you and the seller agree on price, interest rate, and terms directly. This is how real estate used to work, before algorithms replaced conversations.
01
Find a motivated seller.
Self-employed? Non-traditional income? The bank wasn't designed for how you live. And waiting to become "lendable" costs you years.
02
Structure a win-win deal.
Most real estate advice assumes you already have capital. We teach you how to build wealth starting from zero, or close to it.
03
Close with the right legal protection.
Attorney-drafted contracts built specifically for seller-financed deals. No bank approval waiting period. No six-figure down payment. Just a signed note and a property that cash flows from day one.
04
Make debt mobile, and multiply.
This is what separates SFA from every other real estate program. Once you understand how to restructure notes, one deal becomes the foundation for many. Mel went from $500 to 23 doors using this exact method.
This isn't theory. These
are real people.
School teachers. Social workers. Entrepreneurs. A Portland realtor going through a divorce. The common thread isn't background. It's deciding to learn a different way.
$45,000
in annual passive cash flow, in 6 months
Sorcha
Her husband had just lost his tech job. She had one Airbnb room bringing in $1,500 a month and no idea how to scale it. Mel taught her how to raise private money against that cash flow — she raised $40,000 from friends and family. Then Mel showed her rental arbitrage: leasing condos from owners who couldn't sell them, furnishing them, renting them to travel nurses. Within 6 months that $40,000 turned into $45,000 a year in passive income.
Cash flow, creativity, and problem-solving can matter more than capital.
Results may vary.*
$11k down
$400/mo cash flow
Kate · College Educator
No real estate background. She started by checking out children's financial literacy books from the library. Within 3 months of joining SFA, a networking connection brought her an off-market duplex. She closed with $11,000 down and cash flowed $400 a month from day one.
You don't need to come in experienced.
Results may vary.*
Results shown are individual experiences and are not typical, average, expected, or guaranteed. Individual results vary based on background, experience, effort, capital, market conditions, financing, deal flow, expenses, professional support, and execution. SFA does not guarantee that any student will close a deal, earn income, generate cash flow, build a portfolio, recover program costs, or achieve any particular financial outcome. Real estate transactions involve risk.
Three things stand between you
and your first deal.
We give you all of them.
Most real estate programs sell you information. SFA gives you the three things that actually close deals: the knowledge, the plan, and the people.
The Course
The SFA video curriculum.
57 step-by-step video lessons covering every stage — finding motivated sellers, structuring win-win terms, drafting the offer, protecting yourself legally, and making debt mobile so one deal becomes many. Lifetime access. Paced in the order it needs to be learned.
The Plan
Your personal roadmap to the first deal.
You don't just get content, you get a plan built around your life, your market, your situation. From your onboarding call with a Student Success Advisor to your defined buy box and weekly action priorities, you'll always know exactly what to do next.
The People
Weekly calls with real estate investors who give a damn.
Live access to Mel and a rotating group of millionaire real estate investors who built wealth the same way we teach: through relationships, not institutions. Deal reviews. Live Q&A. Real feedback on real deals. The room most investors spend years trying to get into.
Here's exactly what you get,
and what each piece is worth
on its own.
Every component below was built to solve a specific problem that stops first-time creative finance investors cold.
Curriculum
57 step-by-step video lessons
5A complete learning path covering mindset, deal sourcing, negotiation, offer crafting, legal structure, and making debt mobile. Lifetime access.
Value
$3,997
Live Coaching
Weekly calls with Mel and real estate investors coaches
Deal reviews, live Q&A, deep dives into creative financing structures with Mel and guest coaches who are actively investing right now. 12 full months.
Value
$5,997
Onboarding
Live call with a Student Success Advisor
Before week one, a dedicated advisor walks you through the program, helps you define your buy box, and sets up your first 90 days with a clear plan. You don't start alone.
Value
$997
Deal Tools
Direct mail program for your market
Build a direct mail strategy from the ground up. Proven letter templates plus portal access to send letters directly to property owners in your target market. Generate your own deal flow.
Value
$1,997
1:1 Coaching
One on One Real Estate Coaching
Bring your actual numbers, your target market, and the deal in front of you. You get direct, one-on-one time to work through your specific situation. Not general advice, your situation. This is where the strategy becomes yours.
Value
$6,997
Deal Tools
Deal Maker Desk CRM and Leads
1 year CRM and leads tool access built for seller finance. Track every seller, offer, and follow-up in one place, and get matched with leads in your market so you always have deals to work. Stop losing prospects in a spreadsheet and keep your whole pipeline moving from first contact to closing.
Value
$2,364
1:1 Coaching
Deal Hotline
1 year access to the deal hotline you can call when you're stuck. Got a live deal and need a second set of eyes? Call the hotline and talk it through with someone who's structured these deals before. Walk through the numbers and the offer so you can move on it with confidence instead of guessing.
Value
$1,997
• THE PROMISE
Coaching until your first deal — guaranteed.
Do the work. Get the deal. If you complete the program and haven't closed your first seller-financed deal within 12 months, we keep coaching you until you do. That's not a tagline. It's the commitment.
Value
Priceless
Do the work.
Get the deal.
The method works when you do.
3 mo
Kate closed her first cash-flowing deal three months after joining.
5 yrs
Jason Lee went from a $30k salary to financially free in 5 years.
6 mo
Sorcha turned $40,000 into $45,000/yr in passive income.
Results shown are individual experiences and are not typical, average, expected, or guaranteed. Individual results vary based on background, experience, effort, capital, market conditions, financing, deal flow, expenses, professional support, and execution. SFA does not guarantee that any student will close a deal, earn income, generate cash flow, build a portfolio, recover program costs, or achieve any particular financial outcome. Real estate transactions involve risk.
Ready to stop waiting
for permission?
The strategy call is free. It's 45 minutes. You'll walk away with clarity on whether this path is right for you, whether you join the program or not.
On the call, we'll talk through
•
Where you are financially right now and what's actually blocking you.
•
Whether seller financing is realistic for your situation, market, and timeline.
•
What your first deal could actually look like — not in theory, but for you specifically.
•
Whether SFA is the right vehicle to help you get there.
Honest answers to the
real questions.
Most of these come up on every strategy call. The short version is here. Bring the longer ones to the call.
Will I really close a deal if I've never invested before?
Kate had zero real estate background and started with children's library books. Within 3 months she closed her first deal with $11,000 down and now has $400/month cash flow. The program is built for creative-financing beginners, whether they have traditional real estate experience or are looking at property for the first time.
What if I'm scared to talk to sellers or negotiate?
Most people are. We do roleplay practice inside the program before you make your first real call. You'll have a coach and a community behind you. You won't be going in alone.
What makes this different from other real estate courses?
Most programs hand you information and disappear. SFA includes 12 months of live coaching, a community of deal collaborators who are actively investing, attorney-drafted legal templates, and a guarantee that you'll close your first deal or we keep coaching until you do.
Do I need real estate experience or a license?
No and no. Seller financing is a buying strategy available to any purchaser. You don't need a license to buy property creatively. You need education, the right tools, and a network. That's what this is.
What if I fall behind or can't attend every live session?
All coaching calls are recorded. The curriculum is drip-fed to your inbox with lifetime access. You have 12 months of coaching support, not 90 days and done. Life happens. The program is built knowing that.
Is this just information, or will I know exactly what to do?
This is hands-on. By the end of 90 days you'll have a real offer in motion and a deal pipeline in progress, not a folder of notes you never open again.
Is there a guarantee?
Yes. Do the work and get the deal, or we keep coaching you until you do. It's a commitment that consistent effort, with the right guidance, produces results.
What if I don't have a lot of money to start?
Mel's first seller-financed deal was $500 down. Kate closed with $11,000. Sorcha started with a $1,500/month Airbnb room. The method is specifically designed for people who don't have a mountain of capital waiting to be deployed.
Not Financial or Legal Advice: The information provided by Seller Finance Academy is for educational purposes only. SFA is not a law firm, a tax professional, or a registered investment advisor. Seller financing involves legal contracts and financial risks; we strongly recommend you consult with a qualified attorney and a tax professional before entering into any real estate transactions.
*Results shown are individual experiences and are not typical, average, expected, or guaranteed. Individual results vary based on background, experience, effort, capital, market conditions, financing, deal flow, expenses, professional support, and execution. SFA does not guarantee that any student will close a deal, earn income, generate cash flow, build a portfolio, recover program costs, or achieve any particular financial outcome. Real estate transactions involve risk.
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