OpenKey Co
Real estate acquisitions

You find the house.
We find the terms.

OpenKey Co buys single-family homes on terms, with cash, or creative. We resell on wraps or hold them as rentals — any condition, any situation. Send it over and we'll get you a straight answer fast.

Submit a deal →
Flexible terms / Quick answers / We actually close
What we buy

Three ways we get to yes.

Most buyers need one thing to line up — bank approval, the right price, a clean house. We work more angles than that, which means more of your deals find a home with us. We're buying in a growing list of markets, so send us deals wherever you find them.

TERMS

Wraps & owner financing

We take over with wraparound or seller-financed terms — no bank, no buyer to qualify. Ideal when there's an existing low-rate loan in place that's worth keeping.

HOLD

Rentals

Homes we keep as long-term rentals. We're looking for the right location, condition, and numbers to make a house pencil out as a steady rental.

CASH

Cash & creative

When the numbers call for cash, we close cash. When they don't, we get creative. Either way you get a real answer instead of a maybe that drags on for weeks.

For families · A path to ownership

A home of your own. Without the bank.

If a traditional mortgage isn't in reach right now, that doesn't mean owning a home has to wait. OpenKey Co finances homes directly — so families can move in, build toward ownership, and get the keys without a bank standing in the way.

OWNER FINANCING

We're the bank

You make your payments to us on clear, written terms instead of qualifying with a bank — a simple path toward a home of your own, with no mortgage company in the middle.

CONTRACT FOR DEED

Build toward ownership

Move in and start building toward owning your home right away through steady payments, with every term laid out clearly up front.

LEASE OPTION

Rent, then own

Rent the home now with a locked-in right to buy it later — and a portion of what you pay each month goes toward your future purchase.

Every agreement is put in writing and handled with licensed professionals, and any home purchase closes through a licensed title company or attorney — so you always know exactly where you stand on the way to owning your home.

Ask about available homes →
A place to call home

Modest homes, made for families.

The kind of comfortable, everyday homes people are proud to live in — and proud to own.

Cozy starter homes
Comfortable bungalows
Room to grow
Common questions

Straight answers for families.

Owner financing only works if you trust who you're working with. So here's the honest version of how it works — and exactly what it means for you.

Is owner financing actually legitimate?+
Yes — it's a long-established, completely legal way to buy a home. We put everything in writing and handle it with licensed professionals, and any purchase closes through a licensed title company or real estate attorney, with an independent third party handling the funds. You'll never be asked to hand money directly to us outside of that process.
What exactly am I agreeing to?+
We'll always be clear, in writing, about exactly what you're agreeing to before you sign — your payment, your timeline, and your path toward owning the home. Each program is a real, structured route to ownership, and the full terms are spelled out in your agreement, so there's nothing hidden and no surprises down the road.
Do I need bank approval or perfect credit?+
No bank approval is required — that's the whole point. We do talk through your situation honestly so the home and the monthly payment are something you can carry for the long haul. Our goal is a family that settles in and thrives, not one that's set up to fall behind.
What if I run into trouble with a payment?+
Everything is in writing up front, including what happens if a payment is late — nothing buried in fine print. Life happens, and we'll communicate and work with you where we reasonably can. Either way, you'll know exactly where you stand before you ever move in.
Which areas do you have homes in?+
We're active in a growing list of markets and adding new ones. Reach out and tell us where you're hoping to live — if we're not there yet, we may be soon.

Have a question that isn't here? Ask us directly →

How it works

No mystery. No pressure.

Here's exactly what happens from the moment you reach out. Every step is in writing, and you can walk away at any point.

STEP 01

You send the property

An address and a few details — that's all we need to start. No fee, no obligation.

STEP 02

We review & reach out

A real person gets back to you, usually the same day, with a straight answer or a couple of questions.

STEP 03

We agree on terms

Cash, a wrap, or something creative — whatever fits. It's all spelled out in writing before anyone signs.

STEP 04

We close, protected

A licensed title company or attorney handles the paperwork and the funds. You're covered start to finish.

Every closing runs through a licensed title company or real estate attorney.

That means an independent third party holds the funds and verifies the paperwork — we never ask you to wire money to us directly, and nothing changes hands until the closing is done right.

What makes a deal

Know it in 30 seconds.

So you're not guessing whether to send it over — here's the kind of property that fits what we do.

  • ✓Single-family & small multiHouses and 2–4 units. The bread and butter.
  • ✓Any conditionMove-in ready or needs everything — we'll buy it as-is.
  • ✓Sellers open to termsA big plus, but not required. Cash deals welcome too.
  • ✓Existing financing in placeLow-rate loans we can wrap are especially interesting.
  • ✓In our marketsWe're active in a growing list of areas — not sure if we're in yours yet? Send it anyway and we'll tell you.
Submit a deal

Got a property? Send it over.

No forms, no hoops — just email us the address and a few details. We review every one and reply with a straight answer, usually the same day.

Email your deal →
We review every property and reply with a real answer.
Closings run through a licensed title company or attorney.
No obligation, and your details are never sold or shared.