Rinsed for Creative Finance

SubTo and seller finance scoring

Every deal gets scored on creative paths separately from cash. Rinsed identifies which structures pencil — SubTo if there's a low-rate mortgage, seller finance if free and clear, Morby if equity is split.

4 Pillars weighting

Creative scoring weights Timeline and Motivation higher than Price. A seller who needs out in 30 days but is firm on list price is COLD for cash but might be HOT for creative if you can solve their timeline problem with a SubTo close in 14 days.

Free and clear detection

Rinsed flags free-and-clear properties automatically — they're seller finance candidates by default. The engine surfaces these even when their listing price is way above cash MAO, because creative changes the equation.

Creative deal workflow

Pull free-and-clear lists or low-LTV lists. Batch analyze in Rinsed. Filter to creative-viable HOT and WARM. Have a different conversation than the cash buyers — you're solving the seller's actual problem, not negotiating their price.

Entry fee and cash flow modeling

For every creative deal, Rinsed shows the projected entry fee, monthly payment, projected rent, and cash flow. Break-even cash flow is viable on a creative deal because the long-term equity build is the win.

Creative finance buyers need to spot opportunities cash buyers ignore. Rinsed's dual-path scoring surfaces SubTo, seller finance, and novation deals that look dead on a cash test but pencil beautifully creative.