No bank. No license. No money of your own.

This is how people actually get their first deal under contract.

You send one letter to the listing agent.

Not the seller. The agent is the only one who can put it in front of them.

You offer full asking price.

So there is nothing to argue about. You negotiate the terms instead. Ours has gone out more than ten thousand times.

The sheet does the math for you.

Paste a list price. On a $400,000 listing it comes back with:

Down at closing

$120,000

Balloon in 72 months

$280,000

Agent commission

Paid in full

The script handles the callback.

Exactly what to say when an agent replies, so a 72-month balloon sounds ordinary instead of exotic.

That is the whole kit.

Three files. Nothing to buy, nothing to schedule.