Creative finance the key for Hesperia property deal

A creative split deal and flexible funding structure unlocked a below-market buy with minimal cash in.

The Challenge

Opportunities like this don’t show up cleanly packaged.

A wholesaler had negotiated the purchase of a home and adjoining lot in Hesperia, California, for a combined $520,000, but the seller was firm: it had to be sold as a single transaction.

To make the deal work, the wholesaler structured a split within one escrow, assigning the house to our borrower for $407,000, while retaining the lot for themselves at $118,000 (cash purchase).

This created a strong opportunity, but also a complexity:

• The borrower needed to move quickly on an assigned deal
• The structure wasn’t “standard” from a lending perspective
• Timing and execution were critical to keep the transaction intact
• Minimizing cash into the deal would significantly improve the long-term hold strategy

On top of that, the borrower’s strategy wasn’t a quick flip — it was a buy, improve, and hold as a rental, requiring the right balance of leverage and liquidity.

The Result

Equidy leaned into the structure, not away from it.

We financed the purchase with a $420,000 loan against a property valued at approximately $560,000, securing a first deed of trust on a single-family ranchette set on 2.75 acres.

Because the purchase price of the home was significantly below market value, we were able to:

• Fund the full purchase price of the house
• Eliminate the need for a large upfront capital contribution
• Enable the borrower to proceed with only their share of closing costs
• Avoid any wholesaler fee burden on the borrower

This allowed the borrower, a repeat Equidy client with a strong track record, to preserve capital and execute their strategy cleanly.

Instead of tying up funds in acquisition, they allocated approximately $40,000 toward improvements, positioning the property for long-term rental income and appreciation.

It’s a clear example of how deal structure + speed + flexibility can turn a complicated opportunity into a high-quality hold asset.

Need some creative financing to get your property deal done? We can help.

Not every deal fits neatly into a box, and the best ones usually don’t.

If you’re working through a complex structure, an assignment, or a below-market opportunity, Equidy can help you move quickly and strategically.

Bring us the deal we’ll help you make it work.

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