"She Feared Losing Her Water" — Inherited Mobile Home, Shared Well, Life Estate

Duval County, 2024. A 78-year-old heir with a trashed tenant, a shared well, and code restrictions that blocked a normal sale. Sale price $160,000, with $150,000 of it seller-financed. Attorney-closed.

Serving Jacksonville + surrounding areas — Fernandina, Yulee, Orange Park, St. Augustine, Palatka, and nearby.

Inherited

Mobile home

Shared well

Life estate

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Option 1: Net Cash Number (In Writing) As-is. We'll show what you'd actually pocket after typical costs and payoffs.

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Option 2: Higher-Price Terms (In Writing) Higher price than cash — put in writing and attorney-closed.

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Option 3: List vs. Sell "Truth Check" Comparison of listing net vs. selling as-is today.

Real Case — Attorney-Closed, 2024

A 78-year-old heir's mobile home had a trashed tenant, a shared well, and code restrictions that blocked a normal sale. We wrote a plan that protected her water, her living situation, and got her paid at closing.

See the redacted closing statement →

Get Your 3 Options

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What's the main situation?

The Situation

Three problems stacked on one property.

She inherited a mobile home she couldn't sell

The home came to her through an estate. A tenant had trashed it. On top of that, the property sat on a shared well and carried code restrictions that stopped a conventional sale before it started.

The real fear wasn't the money

At 78, the thing she was actually worried about was losing her water and her place to live. A standard cash offer — take the check, be out in fourteen days — solved none of that. It would have made the problem worse.

Why the normal buyers passed

A shared well and code restrictions kill financing, and a trashed manufactured home has almost no retail buyer pool to begin with. Every buyer who wanted a clean, vacant, financeable property walked.

What We Did

Structured around the fear, not just the price.

A life estate so she kept her home

The structure protected her living situation and her water rights instead of forcing her out on a closing date. That's the piece a straight cash offer can't do.

Seller financing so she kept income

The sale price was $160,000, and $150,000 of that was seller-financed — meaning she gets paid over time rather than in one lump. Look for the "Due to Seller: $10,000" line on the redacted statement; the rest is the note.

Attorney-closed in Duval County

The whole structure was documented and closed by a real estate attorney. Nothing about a life estate plus seller financing should ever be done on a handshake.

The Result

A clean closing with no panic decisions.

What she got

Cash at closing, a secured monthly income stream, her water rights intact, and her living situation protected. She did not have to clean the home out, evict the tenant, or fix the code issues — those became ours.

Why it's here

This is the deal that best explains why we give three written options instead of one cash number. If we'd only had a cash offer to give her, the right answer would have been for her to say no.

Most Investors Only Give One Option. We Give Three.

Because every situation is different. Sometimes you need speed, sometimes you need the most money.

Best for Speed

Net Cash Offer

A guaranteed cash price. We typically cover all standard closing costs. We buy as-is. You pick the closing date.

Closes in as little as 10–14 days
No repairs needed

Best for Max Value

Terms (Higher Price)

We pay you a higher purchase price in exchange for paying over time (monthly). Everything secured by attorneys.

Beats the "Cash" price
Monthly income potential

The Truth Check

Market Comparison

We calculate what you'd net if you listed with an agent (minus commissions/fees). If listing is better, we'll tell you.

Transparent math
No pressure guidance

Real Closings — Redacted HUD Proof

We Don't Just Promise Solutions. We Prove Them.

Each card shows a real situation we solved — with a redacted closing statement you can review. Look for "Due to Seller" on the HUD.

InheritanceTenantsCode Issue

"She feared losing her water."

Situation: Inherited mobile home. Tenant trashed it. Shared well + code restrictions blocked a normal sale.
What we did: Structured a plan that protected her living situation and water rights.
Result: Clean closing with net proceeds in hand — no panic decisions.

LandlordTenantsRepairs

"She wanted out — without hurting tenants."

Situation: Burned-out landlord. Repairs needed. Didn't want to displace tenants or manage contractors.
What we did: Presented cash and terms options. Committed to keep tenants in place short-term.
Result: Sold without showings, repairs, or tenant chaos.

Late PaymentsLienRepairs

"She was upside down and stuck."

Situation: Behind on payments. Code lien. Would've needed cash to close a traditional sale.
What we did: Took over the existing mortgage and covered closing costs — no out-of-pocket for her.
Result: She walked away without bringing a check to closing.

Mobile HomeSeller FinancingAs-Is

"They wanted full price, not a cash discount."

Situation: 1959 mobile home on its own land. Too old for any lender, which caps what a cash sale can pay.
What we did: Paid the full $100,000 price — $5,000 down and $95,000 carried by the seller at 0% interest.
Result: Full price instead of a cash discount, plus $500 a month secured by the property.

📁 Full redacted closing statements available on request. Three of these closed through a Florida real estate attorney; the seller-financed purchase closed directly between the two parties.

Straight Answers — No Runaround

It's not our default, and we don't push it. It was the right answer here because staying in her home was the actual problem to solve. Most deals don't need it.

Because $150,000 of the $160,000 price was seller-financed — she's paid over time on a secured note instead of all at once. That was the point of the structure.

Yes. Shared wells and code restrictions are two of the most common reasons a Northeast Florida mobile home won't sell conventionally, and they're a normal part of what we underwrite.