Creative finance
Seller Financing
Buy directly from the seller through an owner-financing arrangement.
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Premier marketplace for owner financing and creative real estate
Find Your Path to Homeownership
Explore owner-financed homes, subject-to deals, lease options, wrap mortgages, and more—without the usual friction.
Financing options
Browse the financing paths that matter most
Creative finance
Private Mortgage
Purchase using privately arranged financing secured by the property.
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Creative finance
Subject-To
Purchase a property while the seller’s existing mortgage remains in place.
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Creative finance
Lease Option
Rent the home now with the option to purchase it later.
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Creative finance
Wrap Mortgage
The seller provides financing that wraps around an existing mortgage.
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Creative finance
Assumable Loan
Take over an eligible seller’s existing mortgage, subject to lender approval.
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Featured listings
Premium creative-finance opportunities
How Dwelyx works
A simple path to homeownership
1
Search
Find creative-finance opportunities that match your budget and location.
2
Connect
Reach out directly to sellers and review flexible terms with clarity.
3
Become a Homeowner
Move forward with a financing path that fits your goals.
Why choose Dwelyx?
Built for buyers seeking flexible ownership
Search by down payment
Filter by the amount you can put down and find a better fit quickly.
Search by monthly payment
Explore homes that align with your ideal monthly budget.
Creative financing only
Browse owner-financed and flexible opportunities in one curated marketplace.
Nationwide marketplace
Discover listings across the country without the usual lender friction.