Equity Preservation Strategy
Why Settle For Lowball Cash Offers When We Can Pay Your Full Asking Price?
Avoid the classic compromise of high-speed selling. Our private, asset-backed monthly installment contracts allow you to command full market retail value while bypassing the stress, fees, and carries of an MLS listing.
đź’° IRS Section 453 Deferral
Defer immediate capital gains and depreciation recapture liabilities by receiving strategic scheduled installments.
đź’° Senior Lien Protection
đź’° No Carry Friction
Eliminate monthly mortgage overlap, property taxes, structural maintenance, and utility bills the day we close.
Equity Optimization Strategy
Act Like a Financial Institution. Keep Absolute Control.
Dead equity produces zero yield. If your home has $350,000 in unencumbered value, that capital is sitting stagnant. By converting that equity into a secure, interest-bearing monthly installment note with EPS Houses, you create an immediate stream of passive cash flow.
Bypassing standard banking institutions allows you to act as the primary lender. You receive consistent monthly income structured around your long-term wealth goals without the physical, physical operational burdens of landlording.
Our Regulatory Process Alignment
Scenario: Stagnant Capital Reallocated
5.5% Target Yield
Equity Principal
$350,000
Note Duration
10 Years
Annual Yield
5.5% P&I
Estimated Monthly Yield (P&I):
$3,792 / mo
Total Lifetime Earnings:
$455,040
Total Net Passive Interest Gained:
+$105,040
“Why traditional investors must discount your asset—and why we don't have to.”
When a conventional real estate investor makes a cash offer on your property, they are bound by the high friction of institutional capital. A cash buyer must factor in expensive commercial loans, direct holding overhead, local building permit carry times, and the physical costs of remodeling the structure to satisfy a retail bank appraiser. Consequently, they must buy your home at a 20% to 35% discount to protect their margin.
Our Full-Price Terms Program bypasses the institutional middleman entirely. By structuring the sale through seller-carrying monthly installments, we avoid the massive transaction costs of conventional funding.
We pass those savings directly back to you in the form of a higher contract price. In fact, we are fully capable of paying up to 100% of your current retail asking price because we are trading a single lump-sum cash buyout today for a secure, interest-bearing monthly installment agreement.
IRS Section 453 & The Installment Sale Advantage
For landlords who have fully depreciated their properties over decades of ownership, a standard cash sale triggers a severe tax liability. The combination of immediate Federal Capital Gains, State Capital Gains, and Depreciation Recapture can claim up to 30% or more of your net proceeds before you ever receive a dime.
Under IRS Section 453 (Installment Sales), you only declare capital gains tax on the principal portions of the contract you physically receive in any given calendar year. This leaves your unpaid equity principal intact, growing, and compounding passively inside the interest-bearing note.
Net Realizable Equity
The Asymmetric Advantage of TermsSee how an asset-backed promissory note compares to standard market alternatives.
Traditional MLS Route
Typical Cash Investor
EPS Full-Price Terms
RecommendedFirst-Lien Security
Act Like a Financial Institution. Keep Absolute Control.
Sellers frequently ask: “What happens if you stop making the payments?” The answer is simple, legally binding, and protective of your legacy.
Your promissory note is legally tied to a recorded Mortgage or Deed of Trust in public county records. You sit in first-position lien—identical to a major banking institution. If EPS Houses defaults on any monthly obligation, you retain the legal right to foreclose, taking the property back while keeping all previous principal payments and initial down payments.
Our Regulatory Process Alignment
All funds are routed and documented by an independent, licensed third-party servicing agency. They handle taxes, interest reporting, and direct distributions.
We schedule a quick property walkthrough (if needed) and finalize your official written offer, complete with clear terms and options.
From the day of closing, all structural maintenance, code requirements, and physical liabilities are fully transferred to EPS Houses.
Personalized Asset Allocation
Request Your Full-Price Analysis
Provide your basic property metrics below. Our acquisitions team will coordinate market comps and construct cash vs. term option sheets within 24 hours.
Expert Disclosures
Strategic Frequently Asked Questions
Yes, absolutely. Since the transaction is recorded using standard bank-style parameters by a third-party title attorney, you are secured by a First Mortgage or Deed of Trust. If we default, you can execute a foreclosure action to reclaim title while retaining any down payments and monthly amortized payments received.
We route all payments through an independent, licensed Third-Party Note Servicing Agency. They act as the escrow clearinghouse, automatically collecting our monthly payments, servicing any underlying mortgage lines directly (if applicable), and depositing your net yield into your checking account automatically.
Under Seller Financing, your asset has zero underlying mortgage debt. We execute a new promissory note for our mutual parameters. Under a Subject-To acquisition, the asset has an existing, low-interest mortgage in place. Title is officially transferred to us, but the underlying mortgage line remains intact while we take over servicing payments directly.