abigail
19
Off-market deals in a single year
Mel
34
Rental units built with creative financing, starting at $500 down
We got tired of asking permission.
We came at real estate from two different doors. A social worker who bought her way out, and a dealmaker who finds property nobody else has seen yet. We're moving to eXp together and bringing the whole playbook with us.
Mel Dorman
Founder, Seller Finance Academy
A licensed social worker until her dad was diagnosed with Alzheimer's at 67 with no retirement savings. She bought her first seller-financed property for $500 down and built 34 units in five years. TEDx speaker and author of Bank on Your Neighbor.
Abigail
Off-market acquisitions
Nineteen off-market deals in a single year, every one of them sourced by conversation rather than by portal. She runs outreach for the collective and takes the community calls on finding sellers before anyone else does.
Watch Mel's talk · less than 10 mins
The brokerage part, plainly.
80/20 to a $16k cap
You keep 80 percent until you've paid in $16,000 for the year. After that the rest of the year is yours.
Revenue share
When you bring agents in, you earn on their production. This is the part that keeps paying after you stop selling.
eXp University
Live training most days of the week, included, and separate from anything we teach.
Cloud brokerage
No desk fees, no office, no franchise cut. You work from wherever you already work.
Whether you're licensed yet or already at eXp.
Path one
Join under us
Getting your license or switching brokerages? Name us as your sponsor when you move to eXp. The course and the weekly call come with it.
Path two
Co-sponsor with us
Already at eXp? You can still co-sponsor. Bring agents into the collective alongside us and they get the same access. So do you.
You sell the asset. You just don't own any of it.
Your income resets to zero every January.
Commission is production, not ownership. Stop producing and it stops, no matter how many years you've been at it.
You watch deals die at the lender and can't do anything about it.
Financing falls through, the buyer walks, the listing goes stale. There was another way to structure it and nobody in the room knew it.
Your brokerage takes a cut and gives you a desk.
Split, franchise fee, desk fee. You're funding an office you use twice a month.
Creative financing keeps coming up and you don't have a real answer.
Sellers ask. Investors ask. Right now you refer it out or you lose it.
You work directly with the seller. No bank in the room.
Find a motivated seller
Roughly 4 in 10 homes in this country are owned free and clear, no mortgage at all.
Revenue share
Start with the property, not the asking price.
Structure it so you both win
You have multiple levers. Move them around until it's a yes for both of you.
Make debt mobile and multiply
Once you understand how to restructure notes, one deal becomes the foundation for many.
Two things, and they're both yours free.
The full video curriculum
Fifty-seven step-by-step lessons covering seller sourcing, running the numbers, structuring terms, drafting the offer, protecting yourself legally, and making debt mobile so one deal becomes many. Lifetime access.
$2,000
Weekly Conscious Wealth Collective call
One call a week with Mel and Abigail. Realtor-focused. Deal structure questions, what's working in your market, and the conversations you can't have at a brokerage meeting.
$2,000
Yours when you move your license to eXp with us
$4,000
Free
This isn't theory. These are real people.
Sorcha
$45,000 a year in passive cash flow, in six months
Raised $40,000 from friends and family against the cash flow of a single Airbnb room.
Kate · college educator
$11k down, $400 a month
No real estate background. An off-market duplex within three months of joining.
Jason Lee · school teacher
Deal saved
The bank changed requirements mid-transaction. He offered the seller three creative options and the seller picked seller financing.
Jess · therapist
$500 a month
Single mom, no background. Her first seller-financed condo in about ten weeks.
Jason & Susan · coffee shop owners
$1,500 a month
The fifth seller they asked said yes. A fourplex, 10 percent down, 5 percent interest-only.
Video
Student testimonials
The existing testimonial video wall carries across from the SFA page.
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.
One call. No pitch deck.
Thirty minutes on whether moving your license makes sense for you. You'll get a straight answer either way.
Where you are now
Your current split, your fees, and what you're actually netting.
What the move looks like
Timing, the license transfer, and what changes on day one.
Sponsor or co-sponsor
Which of the two paths fits your situation.
Whether creative finance is worth your time
Honestly. For some agents in some markets it isn't, and we'll say so.
Honest answers to the real questions.
I'm already at eXp. Is this for me?
Yes. You can co-sponsor with us. You bring agents into the collective alongside us, they get the course and the weekly call, and so do you.
I'm getting my license, or I'm at another brokerage. What do I do?
Name us as your sponsor when you join eXp. That's the whole process. The course and the call come with it.
What does the course actually cost me?
Nothing. It's $4,000 of program value and it's included because you moved with us. There's no upsell on this page.
Do I get coaching or a deal hotline?
No. This is the video curriculum and one weekly group call. The one-on-one coaching, the CRM, the direct mail program and the deal hotline are part of the paid SFA program and are not included here.
Do I need to know creative finance already?
No. The curriculum starts at the beginning. Most agents come in having heard the term and never having structured one.
Is there a guarantee?
No. The paid SFA program has one. This doesn't, and we'd rather say that here than on a call.