Active Deal Seller Retains Title Lender Participation

6240 Stone Valley

Reno, Nevada · Single-Family Renovation & Resale

Investment Opportunity — Good Results Home Buyers

Seeking Lender Commitment
As-Is Value
$480–$500K
Estimated market
Seller Payout
$450,000
Fixed at resale
Renovation
$150,000
Lender funded, capped
Target ARV
$720,000+
Post-renovation resale
Net Profit
$65K–$100K
After all costs
Executive Summary

A renovation and resale, built around aligned incentives.

Good Results Home Buyers is presenting a structured renovation and resale opportunity on a single-family property at 6240 Stone Valley in Reno, Nevada. The deal is built around a fixed seller payout, a fully secured renovation advance, and an upside-sharing arrangement that aligns the seller, the lender, and the operator from day one.

Importantly, the operator does not purchase the property. The seller retains title throughout the project. The arrangement is governed by a written contract that locks in a fixed seller payout of $450,000 at resale, a UCC-1 filing that protects the renovation capital, and an exclusive listing agreement with the operator's licensed real estate broker at a 2% listing-side commission.

After renovation, the property is brought to market with a target resale value of $720,000 or more, based on after-repair value projections for the area. The seller walks away with more than a traditional cash offer, the lender earns a secured and structured return with strong downside protection, and the operator earns a defined share of the upside for executing the project.

Property

Address
6240 Stone Valley, Reno NV
As-is valueEstimated
$480K–$500K
First mortgageRemains in place
~$120,000
Equity cushion
$360K–$380K
Renovation budgetCapped, lender funded
Up to $150,000
Target resaleAfter-repair value
$720,000+

Deal Structure

Three instruments, executed simultaneously

1. Written contract between seller and operator. Locks in the fixed $450,000 seller payout and authorizes the renovation scope.

2. UCC-1 financing statement filed to protect the renovation capital deployed into the property, securing the lender's position.

3. Exclusive listing agreement with the operator's licensed NV real estate broker at a 2% listing-side commission.

Title

Remains with the seller throughout. The operator never purchases the property. At resale, proceeds are distributed per the contract waterfall.

Financial Breakdown

Seller payoutFixed
$450,000
Renovation budget
$150,000
Total project basis
$600,000
Target resale
$720,000+
Projected gross profit
~$120,000
Net (after costs)
$65K–$100K

Resale Waterfall

On a $720,000 exit
Seller $450K
Reno $150K
Gross $120K
Seller
$450K
Reno
$150K
Gross
$120K

Gross to net

Selling & financing costs run ~$40K–$64K depending on hold period and buyer-side commission — full stack shown in the Cost & Sensitivity card below.

Cost & Sensitivity — Every Dollar Between Gross and Net

Standard Reno resale assumptions on a property in this size and price band. Nothing optimistic.

Listing-side commission2% contracted
~$14,400
Buyer-side commission2.5% typical for this price band
~$18,000
Title, escrow, transfer, closing
~$4,000
Holding costsTax, insurance, utilities, 6–12 months
~$4,000–$8,000
Lender financingIf held months 7–12
up to ~$19,600
All-in selling & financing
$40K–$64K

Lender financing of $19,600 reflects a full 12-month carry: $10,000 rolled fee + 1% × $160,000 × 6 months. If the property resells inside month 6, financing drops to the $10,000 flat fee.

Profit Split Scenarios

Net proceeds split 50/50 between seller and operator after all selling and financing costs. The seller keeps the fixed $450,000 floor either way.

Upside Scenario
Quick exit, low carry
Resale price
$720,000
Gross profit
$120,000
Selling & financing
~$40,000
Net profit
~$100,000
Seller share (50%)
$50,000
Operator share (50%)
$50,000
Total to Seller
$500,000
Base Scenario
Full hold, typical commissions
Resale price
$720,000
Gross profit
$120,000
Selling & financing
~$55,000
Net profit
~$65,000
Seller share (50%)
$32,500
Operator share (50%)
$32,500
Total to Seller
$482,500

Under either scenario, the seller nets materially more than a traditional cash offer, which would clear roughly $460K–$480K gross before their own closing costs. The lender's return is independent of scenario — secured by contract and collateral, detailed in the Lender Terms card.

Lender Terms

Loan amount
Up to $150,000
Months 1–6Flat fee if repaid
$10,000
Months 7–12On $160K balance
1% / month
Minimum returnEven if undrawn
$10,000
Security
UCC-1 filed
Month 12+
Refi contingency
Effective APR
~13–20%

Draw Process

01
Controlled disbursement

Funds held in a controlled account, released on a draw schedule — never a lump sum.

02
Paid to contractors directly

Upon submission of invoices and before/after photos. The operator never touches the capital.

03
24-hour approval

Approved draws process within 24 hours to keep the project on schedule.

04
Minimum return guaranteed

If the full $150K is not drawn, lender still receives the full $10K minimum return.

Risk & Downside Protection

Capital is protected by a recorded UCC filing, a binding contract with the seller, and an exclusive listing agreement that controls the resale process from start to finish.

UCC-1 Filing

Secures renovation capital against the improvements on the property.

Seller Contract

Locks in the $450K fixed payout. No back-end negotiation risk.

Exclusive Listing

Property cannot be sold around the lender or operator.

Equity Cushion

~$120K first mortgage against $480K–$500K as-is value.

Draw Control

Funds released only against documented work. Zero direct disbursement.

Refi Contingency

12-month refinance path in place if property has not resold.

Supporting Comps — Stone Valley Dr & 89523

Public-record sales from the same street and zip, alongside the broader market trend. The $720K target ARV sits above the most recent unimproved neighbor sale — appropriate posture for a renovated product in a rising submarket.

Address
Sold
Date
Status
6265 Stone Valley DrSame street
$700,000
Nov 2024
Anchor
6220 Stone Valley Dr2,190 sqft · built 1987
$585,000
Nov 2023
Unimproved
6480 Stone Valley DrSame street
$565,000
Apr 2023
Unimproved
89523 median saleZip-code trend, Feb 2026
$580K–$630K
+7.6% YoY
Trend
6240 Stone Valley — TargetRenovated, this deal
$720,000+
Post-reno
Target

Data compiled from public Zillow and Redfin listings. A full MLS comp pull filtered to 2,000–2,400 sqft, 1977–1997 year built, renovated in the last 18 months, within one mile, will be provided to lenders on request before commitment.

Why This Deal Works

Incentives aligned across all three parties. Nobody wins alone — and nobody loses alone.

For the Seller
Net more, risk nothing.

Retains title throughout, walks away with more than a traditional as-is offer, bears no out-of-pocket cost or renovation risk.

Base: +$32,500 · Upside: +$50,000
For the Lender
Secured return with a floor.

$10K guaranteed minimum, strong equity cushion, disciplined draws, UCC-filed collateral position.

Effective APR ~13–20% annualized
For the Operator
Skin in the game.

Executes a defined scope, carries all financing cost from their own share, earns only when the deal performs.

Performance-contingent

Interested in This Deal?

Title work, contractor scope, and seller documentation are ready to finalize. We're prepared to move immediately upon lender commitment.

Discuss Terms →

Important disclosures. This page is a summary of a proposed private transaction and is for informational purposes only. It is not an offer to sell, or a solicitation of an offer to buy, any security, loan participation, or other financial interest. All figures — including as-is value, after-repair value, comparable sales, projected profit, projected returns, and scenario breakdowns — are estimates based on publicly available data and are not guaranteed. Actual results will depend on market conditions, contractor pricing, hold period, and other factors outside the operator's control. Any lender participation is subject to execution of definitive written agreements, including the written seller contract, UCC-1 financing statement, and exclusive listing agreement. Prospective lenders should conduct their own due diligence and consult their own legal, tax, and financial advisors before committing capital.