In owner financing, success starts long before the first payment is made — it begins with finding the right buyer.

I’ve learned over hundreds of transactions that the buyer you choose is the single biggest factor in how smoothly a deal performs. A great buyer means consistent payments, fewer issues, and stronger long-term returns for investors.

That’s why at Blades Capital, I put as much effort into qualifying buyers as I do into finding good properties.

The goal isn’t just to sell a house — it’s to create a win-win

A lot of people think owner financing is about moving inventory or finding someone to fill a property. For me, it’s about creating successful homeowners — families who are ready, responsible, and able to maintain their payments for years to come.

That mindset changes everything.

When you approach every deal with the goal of setting the buyer up for success, you naturally protect the investor at the same time.

Where I find qualified buyers

Because I focus exclusively on Wichita and surrounding areas, I’ve built a strong reputation and network that helps me connect with serious buyers who are ready to own.

I source buyers through:

- Local marketing and referrals from past clients

- Partnerships with realtors and contractors

- Direct inquiries from my website, OwnerCarryKansas.com

- Word-of-mouth within the community

Wichita is a close-knit market. I’ve lived here my whole life, and word travels fast. People know that when they buy a home from me, they’re getting a fair deal and a real chance at ownership.

That kind of local trust helps me attract high-quality, motivated buyers.

How I screen buyers before approval

Every buyer goes through a professional underwriting process using an RMLO (Residential Mortgage Loan Originator).

This step isn’t optional — it’s critical.

The RMLO reviews income, employment history, credit behavior, and debt ratios to make sure the buyer can actually afford the payment. This process keeps every loan federally compliant and ensures that we’re not setting anyone up to fail.

I also personally meet each buyer before final approval. I want to understand their situation, why they’re buying, and how committed they are to the property.

It’s not just numbers — it’s people. And I can read people well.

Down payments that create commitment

Another key part of the process is the down payment.

I typically require buyers to put down anywhere from $5,000 to $25,000, depending on the property and their financial situation.

That down payment does two things:

It shows real commitment from the buyer — they have skin in the game.

It adds an immediate layer of protection for my investors.

When someone puts down that kind of money, they’re far less likely to walk away. They treat the home as theirs — and that pride of ownership is exactly what keeps payments consistent.

Setting buyers up for success after closing

My relationship with buyers doesn’t end once they sign.

Because I live and work right here in Wichita, I’m available when questions come up. My servicing team, Golden Lane Escrow, handles payments, statements, and communication professionally and transparently.

We make sure buyers know exactly how to stay on track — and if a challenge arises, we catch it early and work through it.

That proactive approach reduces defaults, protects investor capital, and helps good families stay in their homes.

Why this matters for investors

When investors work with Blades Capital, they’re not just funding random loans. They’re investing in carefully vetted, well-structured deals backed by both real property and real people who’ve been qualified to succeed.

This process means:

More consistent cash flow

Fewer defaults or delays

Better long-term note performance

Higher resale value of the note if sold later

It all starts with finding and qualifying the right buyer — and that’s something I take personally.

I’m not in the business of selling houses to anyone who can fog a mirror. I’m in the business of helping good people own homes responsibly — and helping my investors earn steady, secured returns while we do it.

When you invest with me, you’re partnering with someone who meets every buyer, walks every property, and stands behind every deal.

That’s how I’ve built Blades Capital — on relationships, responsibility, and results.