Creative Finance Deals,
Structured Right, Protected Fully
You find the deal. Joette structures it. Attorney-led creative finance for investors across Connecticut, Massachusetts, and beyond — from first subject-to to complex multi-strategy portfolios.
Who We Work With
Structure the note, terms, and protections so deals close — and stay closed. Promissory notes, security instruments, payment schedules.
Take title while the existing mortgage stays in the seller’s name. Full documentation to protect both parties at close and beyond.
Keep existing financing in place. Create new terms for the buyer. Capture the rate spread with proper security instruments.
Replace yourself in the contract cleanly. Get paid without taking title. Seller deals directly with the end buyer on fresh terms.
Control the property with a right to purchase. Sandwich lease structures, option consideration, strike price — all correctly documented.
Bring any CT or MA creative finance deal for a full attorney review before you close. Consulting and strategy guidance available for investors in all other states.
One-on-one strategy sessions for investors learning creative finance or scaling up. Deal-specific analysis from an attorney who has been on both sides of the table.
How It Works
Four simple steps. You bring the deal. Joette brings the legal structure.
A quick intro call to understand your situation and deal flow. No obligation — just a conversation to see if Joette is the right fit.
Tell Joette about your deal — the property, the seller's situation, the strategy you have in mind. She'll tell you what structure fits and what it will take to close correctly.
Joette analyzes the deal specifics: existing financing, title, seller motivation, and applicable regulations. She identifies risks and recommends the right documentation package.
For CT and MA clients, Joette drafts every agreement from scratch. You review, both parties sign, and you close. Outside CT/MA, Joette provides consulting and strategy; your local counsel handles drafting. For deals outside Connecticut or Massachusetts, please also consult a licensed attorney in your state.
Deals Done Wrong Cost You Everything
Subject-to deals require careful structuring to avoid triggering lender due-on-sale clauses. A seller finance note with vague default provisions turns into years of litigation. A novation without proper documentation leaves every party exposed. They are what happens when creative finance deals are put together without proper legal structure.
Joette spent five years with a private real estate investment firm before she became an attorney. She has seen both sides: the deals that close cleanly and cash flow for years, and the deals that collapse because the documentation was wrong from day one. When she structures your deal, she brings the investor's understanding of what makes a deal work, and the attorney's understanding of how to make it bulletproof.