Built for Sub-To · Wraps · Seller Finance · Lease Options

The CRM that speaks terms.

Generic real estate CRMs were built for wholesalers. Creative Finance CRM was built for how you actually buy — from first seller conversation to Secured Option Deposit collected.

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Deal Sheet

Subject-To · prepared by TermsCalc

Cost of acquisition$9,600
Secured Option Deposit– $10,750
Net entry after deposit$0 — recovered
Monthly cash flow$500
Cash-on-cash (net)
Strong Deal

Your CRM doesn’t know what a wrap is.

You’ve duct-taped together a generic pipeline, a spreadsheet for deal math, a notes app for seller answers, and a payment link for deposits. The one tool that should tell you whether the deal works doesn’t exist in your CRM at all.

One system

The whole Terms Engine™.

Discovery Ten™ Intake

Your seller call script is a guided survey. Every answer lands in the right field, automatically. No more “what did they say about the mortgage?”

Heat Score

Every lead auto-scored 1–10 from their answers. Focus your energy on the 7-and-ups; let automated nurture warm the rest.

TermsCalc™

The deal analyzer generic CRMs can’t do: cost of acquisition, cash flow, cash-on-cash, and balloon schedules for all four deal types. Green, yellow, or red in seconds.

The Four Levers™

Purchase price, monthly payment, down payment, and term are tracked as first-class data on every deal instead of buried in a note.

SOD Collection

Send the option agreement, invoice the Secured Option Deposit, and watch the pipeline move itself when payment lands.

Momentum Method™ Engine

Your 5-groups-a-day posting discipline, pre-loaded: content calendar, Local Warm-Up question bank, and Trust Ratio templates.

From “just exploring” to deed in hand.

1 · Capture & qualify

Leads flow in from your funnels and ads. The Discovery Ten fills your data. The Heat Score tells you who’s real.

2 · Analyze & offer

TermsCalc turns the seller’s numbers into a structured offer across all four deal types, with a clear verdict attached.

3 · Close & collect

Merge-field contracts, due-diligence checklists, tenant-buyer screening, and SOD invoicing carry the deal home.

Most “REI CRMs” are wholesaling tools wearing a costume.

They’ll text your leads and track a pipeline — and stop cold the moment a seller says “I’d consider payments.”

Generic REI CRMCreative Finance CRM
Seller qualificationNotes fieldDiscovery Ten™ survey
Lead scoringManual tagsAutomatic Heat Score
Deal analysisYour spreadsheetTermsCalc™ built in
Deal typesOne pipelineSub-To · wrap · seller finance · sandwich lease
Option depositsA payment linkSOD invoicing wired to the pipeline
TrainingVideos about the softwareAn academy on the method and the software
Creative Finance Academy

Software plus the operating system.

Every plan includes the Academy, where the Terms Engine method is taught module by module: lead generation with the Momentum Method, running the Discovery Ten, reading a mortgage statement, structuring with the Four Levers, protecting yourself with the Shield Stack, and running your books with Profit First (the cash-management system by Mike Michalowicz).

The capstone is a deal, not a quiz.

Finish the Academy and you’ll have run a complete simulated deal in your own account: intake to green stamp to signed paper to test deposit.

Stop translating your business into someone else’s software.

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