A New Asset Class Built on Embedded 3% Mortgage Capital
Millions of homeowners hold sub-4% fixed-rate mortgages that institutional capital cannot directly access. MORE transforms those positions into scalable portfolio opportunities.
"We are the lending equivalent of Netflix to Blockbuster, Uber to taxis—a disruptive force standardizing seller financing at institutional scale."
Rigid Underwriting Meets Embedded Mortgage Capital
The Structural Problem
50% of non-traditional income workers — self-employed, gig workers, multiple income sources — are denied traditional mortgages. Traditional underwriting models fail to reflect how modern Americans actually earn. Meanwhile, 44 million homeowners sit on sub-4% fixed-rate mortgages they cannot afford to give up.
The MORE Portfolio Solution
MORE Portfolio addresses the structural gap between responsible, income-capable homebuyers and rigid traditional underwriting models. By wrapping existing sub-3.5% mortgages, we acquire premium properties and resell them to underserved buyers through structured seller financing — with underwriting based on demonstrated ability to repay, not credit scores.
MORE Portfolio: Seller Financing Wraps at Scale
We are the only company wrapping existing sub-3.5% mortgages to acquire properties and resell via structured seller financing — creating value for every participant in the transaction.
For Sellers
- 80+ cents on the dollar (vs. 65-70 from iBuyers)
- Keep low-rate mortgage intact
- Quick, certain sale
For Buyers
- 10% down with ability-to-repay underwriting
- Access to financing when traditional lenders say no
- Structured, professional facilitation
For Agents
- Deal sourcing from cash offer platforms
- Recurring commission income (30% split)
- Differentiated value in rate-constrained market
How MORE Portfolio Works
ACQUIRE
- Purchase homes from cash offer deal flows
- Target: Properties with underlying mortgages ≤3.5% fixed-rate
- Purchase at 20% discount ($400K on $500K homes)
- Wrap existing low-rate mortgage (not all-cash)
- Capital per property: ~$90K
RENOVATE
- Fix up property for optimal resale
- Renovation costs: ~5% of purchase price (~$20K)
- Timeline: 30-60 days
RESELL
- Sell to underserved buyers via structured seller financing
- Minimum down payment: 10% (at 7.75%) or 15% (at 6.5%)
- Buyer pre-approved by MORE Lending (ability to repay)
- Seller financing note sold to investor (not held on balance sheet)
Revenue Per Property
| Revenue Stream | Amount |
|---|---|
| Down Payment | $50K–$75K |
| Interest Spread | ~$13.5K/yr × 10 yrs |
| Title Revenue | ~$900 |
| Agent Commission | ~$5,000 |
| Seller Financing Services | ~$10,000 |
| MORE Lending | ~$1,125 |
| Total Per Property | ~$31,625 avg |
0.0M Homes in Addressable Market
Key Market Metrics
Scalable Path to $0.0M+ Revenue
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Properties | 100 | 300 | 1,000 |
| Agents | 10 | 50 | 150 |
| Revenue | $9.96M | $29.88M | $99.6M |
| EBITDA | $6.11M | $18.33M | $61.1M |
| EBITDA Margin | 64.8% | 61.3% | 61.3% |
Seed Round: $4M Raise
Investment Terms
Capital Allocation
Investor Returns (3-Year Exit)
Scalable Agent Network
Growth Targets
Agent Value Proposition
Frequently Asked Questions
We are the ONLY company doing seller financing wraps at scale. This proprietary model creates a structural moat — competitors would need to build the same agent network, lending relationships, and operational infrastructure from scratch. Our first-mover advantage in wrapping sub-3.5% mortgages is compounding as we scale.
All buyers are pre-approved by MORE Lending and must demonstrate ability to repay through verified income documentation. We require minimum 10% down payment, which provides significant equity cushion. Seller financing notes include standard default provisions, and professional servicing ensures timely collections.
All transactions are facilitated by licensed RMLO (Registered Mortgage Loan Originators). Seller financing wraps comply with Dodd-Frank requirements for seller financing. Each transaction is structured with full legal documentation and title insurance.
We purchase a home with an existing low-rate mortgage (e.g., 3.5%). Instead of paying off that mortgage, we "wrap" it — creating a new seller financing note at a higher rate (6.5-7.75%) while the original mortgage remains in place. The spread between rates generates recurring revenue for 10+ years.
We target a Series A/B raise in 2-3 years at 5-10x EBITDA multiples. Potential acquirers include institutional real estate funds, proptech companies, and financial services firms. The recurring interest spread revenue makes this an attractive acquisition target.
Seller financing notes include standard default provisions. Professional servicing companies handle collections and, if necessary, foreclosure proceedings. The 10-15% down payment provides equity cushion, and properties in our target range ($300K-$600K) maintain strong resale values.
iBuyers pay all-cash, limiting their offer prices (65-70 cents on dollar). MORE wraps existing mortgages, enabling 80+ cents on dollar offers. We also serve a different buyer segment — those denied traditional mortgages but with demonstrated ability to repay. Our model generates recurring revenue vs. iBuyers' one-time transaction fees.
Minimum investment is $50,000 for convertible note participation.
We're targeting Series A in Q4 2026 or Q1 2027, pending successful Year 1 execution of 100 properties and agent network expansion to 100 agents.
Click the "Invest Now" button to access the investment portal and complete accreditation verification. Our team will follow up within 48 hours to discuss terms and next steps.
Ready to Invest in the Future of Real Estate?
Join institutional investors backing the only seller financing wrap platform operating at scale. $4M seed round now open.