Are you thinking of renovating your home but worried about the costs? Our “Renovate Now, Pay Later” program is the ideal solution for homeowners looking to enhance their property for personal enjoyment, create income-generating spaces, or maximize profits when selling. We offer flexible plans designed to benefit homeowners in various situations, ensuring that you get the most out of your property—without the financial strain.

Homeowners:
Every home has the potential to be more functional and personalized. Whether you’re considering adding a home office, modernizing your kitchen, or finishing the basement to create extra living space, we’ve got you covered. Our experts will help bring your vision to life, making sure your home meets your lifestyle and needs.

Landlords:
Many of our clients are landlords aiming to maximize the return on their property investment. With rising home prices and living costs, generating rental income can be a great way to offset expenses. A legal basement apartment can generate $1,500 to $2,500 or more in rental income per month. Recent regulations allow for additional rental units per property, meaning even more potential revenue for landlords. Our consultants specialize in providing the best renovation options to increase rental income while enhancing property value.

Sellers:
It’s a well-known fact that renovated homes sell faster and at higher prices. At our company, we share your goal of maximizing profit while minimizing time on the market. Whether you’re making minor upgrades or undergoing a major renovation, we’re here to ensure you get top dollar for your property.

Our Approach: Expertise in Construction, Real Estate & Financing
With years of experience in construction, real estate, and financing, we’ve developed strategies that benefit both homeowners and investors. Every project is unique, and we adapt our approach to meet the specific needs of each client.

Here are some of the tailored financing programs we offer:

3 Months, 0% Interest
This plan allows homeowners to invest up to $100,000 in renovations with no upfront costs. It’s perfect for those preparing to sell, offering a risk-free way to maximize your home’s value. You pay nothing until your home sells, with no interest if paid within three months.

6 Months, 6% Interest
For homeowners who need more time to repay the renovation amount, this plan offers up to $100,000 with a 6% interest rate. It’s ideal for those planning to refinance after increasing their home’s appraised value. You’ll have up to six months to repay the loan.perfect for those who may not sell within the initial three-month window as well. Yes, we made sure to cover that scenario as well!

20 Year, 12% Interest
Need flexibility? This open loan option provides up to $100,000 at a 12% interest rate, with no penalties for early repayment. This option is designed for homeowners who need time to arrange long-term financing or generate income from their property before repaying the loan. The potential rental or resale value gained often outweighs the monthly loan payments.

Projects Beyond $100,000
Planning to sell your house and believe a major renovation will maximize your profit? We understand that large-scale projects can dramatically boost a property’s value but may come with significant upfront costs. In these cases, we’re ready to partner with you, offering customized solutions to help you unlock your property’s full potential.

Here is how this model works:

1. Property Valuation
We start by agreeing on the current value of your property. Our trusted real estate team (see [SellWithHalAndTeam] for more information on our partners) conducts a thorough evaluation, but we’re also open to working with your preferred appraisal company.

2. Renovation Proposal
Next, we design a renovation plan tailored to your home and aligned with current market trends. We collaborate with [Q-Engineering], a trusted name in design and permits (see Trusted Partners for details), ensuring all necessary permits and approvals are in place.

3. Future Valuation
Based on the renovation plan, we estimate the future value of your property after the work is completed. This helps us establish a realistic projection for your home’s increased worth.

4. Profit Sharing
We negotiate a portion of the future increase in your property’s value as our return on the investment. This, along with the renovation costs, will only be payable once the property is sold.
(*The exact percentage is agreed upon upfront, typically around 25% of the increased value.)

5. Renovation
The renovation begins with no upfront costs to you. Once the work is complete, your newly upgraded home is not only more functional but also significantly more valuable, helping it stand out in the market.

6. Payment
While each transaction is unique, typically there is no payment required for up to three months after the renovation is completed. After that period, the amount converts into a 20-year open loan with an interest rate of 12%.

Example: How Profit-Sharing Works
Let’s say you’re selling your home with a mortgage balance of $900,000. After assessing your property, we determine its current value is $1,100,000. We propose a $100,000 renovation, estimating that it would raise your selling price to $1,500,000. Our fee is 25% of the increase in value.

Here’s how the numbers break down:

• Current Property Value: $1,100,000
• Current Profit (Without Renovation): If you sell today, after paying off your $900,000 mortgage, you will net $200,000.

Now, let’s factor in the renovation:

• Renovation Cost: $100,000
• Future Sale Price After Renovation: $1,500,000
• Increased Value: $400,000 (from $1,100,000 to $1,500,000)
• Our Fee: 25% of the $400,000 increase, which equals $100,000.

After the sale:

• $1,500,000 – $100,000 (Renovation) – $100,000 (Our Fee) – $900,000 (Mortgage) = $400,000 Remaining

This means that, thanks to the renovation, you would earn an additional $200,000 in profit without having to pay for the upgrades upfront.