The Selling Options Nobody Explains to Sellers
By Ed Brancheau, Co-founder, SunnyNest Homes. Reviewed by the SunnyNest family team. Updated July 2026.
Every article about subject-to deals, novations, and seller financing is written for investors. That tells you who the industry thinks deserves to understand the deal. We disagree. These guides explain each structure from your side of the table, including the risks and the exact protections to demand in writing.
Two ways to get paid for the same house
Cash
One number, in days. Capped by the formula on our offer math page: value, minus repairs, minus costs, minus margin. Right when certainty beats the last dollar.
Terms
Paid over time, or by a buyer who takes on the loan, or at a retail price after we do the work. Often more in total, in exchange for time or structure. The five below are the ones we use.
The five options, from your side of the table
A San Diego family answers, not a call center.
Ed gets back to you within one business day with a ballpark for every option, in dollars.
Cancel free within 3 business days of signing, 5 if you are 65 or older.
We pay you $100 when you sign, and you keep it even if you cancel.
Not sure which fits? Ask for all of them.
Tell us about the property. Ed gets back to you within one business day to set up a short call, and on it he walks you through a ballpark for every way we could buy it, in writing, in dollars. If we are close, a 20-minute video walkthrough firms it up before any offer. No pressure, no obligation, and we will tell you if listing with a Realtor is your better move.