How it works
Five steps, and you can stop at any one of them.
Dwell Kept buys Kansas City houses directly, on terms: seller financing, or taking over an existing payment. Getting from here to there is a short, boring sequence, and it is worth knowing the whole shape of it before you give anyone your address.
Nothing in the first three steps costs you anything or commits you to anything. The only point at which anything binds either side is your signature on the written terms themselves.
The sequence
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Step 1. You request a free, no-obligation offer
One form. No cost, no obligation, and nothing is decided by submitting it.
We need the property address, whether there is an existing loan and roughly what it looks like, a short answer to what is prompting the sale, and your name with the best email and mobile to reach you. That is enough to start.
There is no calendar link and no phone line on this site, because neither exists yet. A person on our team picks the request up and follows up by the route you give us.
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Step 2. We look at the property and your loan
Real work by a person, not an instant quote engine.
We pull comps and work out what the property is worth to us, and separately, we work out which way we can buy it: seller financing if you own free and clear or close to it, or taking over your existing payment if you have a conventional loan at a rate worth keeping. A government-insured loan (FHA, VA, USDA) is not a fit for the payment-takeover route.
We also look at condition, any deferred maintenance, and where the property sits relative to our hospital-anchor operating area, since that shapes what we would do with it once we own it.
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Step 3. You receive written terms
The price, the structure, and the line between us, in writing.
If it fits, the terms state the price, whether it is seller-financed or a payment takeover, the payment schedule, and anything about the property or the loan we would want addressed first. No amount is ever named before this step.
If it does not fit, a person tells you so, and tells you which part of it did not work. That answer is free too, and it is worth having.
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Step 4. You review it with your own advisors
We expect this. We do not work around it.
Take the terms to your own attorney and your CPA, and read them against your loan documents if there is an existing loan involved. Nothing on this site is legal, tax or financial advice, and we are not licensed to give any of it.
The parts that deserve the most attention are the ones people skim: exactly how the price is paid and over what schedule, what happens if either side does not perform, and, if we are taking over your payment, precisely what that does and does not do to the loan that stays in your name. Take any of it back to the person who prepared your terms and they will walk you through the actual language.
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Step 5. You sign, or you do not
Both are normal outcomes and neither costs you anything.
Terms are negotiable before you sign. If the price, the schedule or the structure is not right for you, say so and we will either adjust it or tell you honestly that we cannot.
If you walk, you walk, and you keep the offer. There is no fee for having asked, no retainer, and no exclusivity while you think about it.
Say it plainly
There is no cost and no obligation.
Requesting an offer is free. There is no application fee, no assessment fee, no retainer, and nothing to pay if the answer turns out to be no.
Receiving written terms commits you to nothing. It is an offer you can take to your attorney, sit on, negotiate, or ignore entirely.
You are not exclusive to us while you consider it, and we will not ask you to stop talking to anyone else.
Before you sign
Three things we raise before you have to ask.
If we take over your payment
This only applies on the payment-takeover route, and it is real enough that we would rather you hear it from us before anything else:
Some purchases involve Dwell Kept taking over an existing mortgage payment rather than paying the loan off. Most mortgages contain a due-on-sale clause that lets the lender call the loan due on a transfer of ownership, whether or not payments stay current. We only do this on conventional loans, never a government-insured one, and a seller should review their loan documents and any proposed purchase agreement with their own attorney before signing.
We flag this before terms are written, not after. We will not tell you how your lender would treat it, because we cannot know and it is not our call to make — it is your attorney's.
Seller financing, plainly
If you own free and clear or close to it, you carry a note instead of an existing loan being in the picture at all. Nothing to assume, no due-on-sale question, no lender in the middle.
The note itself — the schedule, the interest, what happens on a missed payment — is written down before you sign, and it is exactly the kind of document your own attorney should read line by line.
We do not give tax advice, but carrying a note instead of taking one lump sum is worth asking your own CPA about specifically.
A resident already in place
An existing tenancy is workable and it is common. It is also one of the first things we look at, because it affects both the price and how a purchase has to be handled.
Their lease, their rent, and their security deposit ordinarily transfer with the property under Missouri law, and any notices required all have to be handled correctly. The specific mechanics for your property go in the written terms rather than getting described loosely in advance.
Tell us it is occupied when you send the address. Anything touching a current resident’s rights, deposit or lease is handled by a person.
Limits we hold
What we will not do at any point in this.
An offer is only worth what the company behind it is willing to be pinned to, so it is fair to know where the edges are before you start.
- Quote a number before we’ve looked
- Not a range, not a ballpark, not a percentage of anything. Anything said before we have looked at the property and the loan would be invented, and you would rightly hold us to it. The number exists in the written terms or it does not exist.
- Promise a turnaround
- Putting an offer together is real work done by a person, so we do not commit to a date or a deadline for it. A named day we then miss is worth less to you than no day at all.
- Tell you it fits before a person looks
- Fit depends on the loan, the condition, and the location. Only that review decides, and only a person tells a seller their property is or is not a fit.
- Give you legal, tax or lending advice
- We are not a licensed real estate broker, agent, attorney, CPA or advisor, and we will not play one. Those questions go to your own professionals, and we are happy to have ours in the room too.
- Take over a government-insured loan, or ask you to hide anything
- FHA, VA and USDA loans are out of scope for a payment takeover, full stop. And we will never ask you to misrepresent the sale to your lender, your insurer, or anyone else. If a deal only works by hiding it, it is not a deal we do.
Step one
Send us the address.
Sending the address is where the real answer comes from: whether we can buy it, which way, and what the terms would be. It costs nothing and carries no obligation, and the honest no is free too.