Beyond the Keys
0% interest · No upfront cashSell your home for more without spending a dollar out of pocket. We fund the renovations that help your home reach its target price, and you pay us back on closing — with no interest and no hidden fees.
How it works
A straightforward process designed to protect both of us — and to get your home sold for what it’s worth.
Assess your situation
We start by understanding your goals, your timeline, and the financial picture around your home. We review what you owe, what you need, and what the sale could look like.
Identify what the home needs
We walk through your property and pinpoint the renovations that will actually move the needle — kitchens, bathrooms, flooring, paint, curb appeal, and anything else that helps buyers see value.
Work out the numbers together
Before any work begins, we model the target sale price, the renovation cost, the expected net proceeds, and the payback. The deal only moves forward if it makes sense for everyone.
A simple, clear agreement
We put everything in writing. The renovation funding, the 0% interest terms, and the repayment from sale proceeds are all documented in a legal contract so there are no surprises.
We fix your home with our money
You don’t pay upfront. We coordinate and fund the renovation work, and you pay us back on closing — with zero interest — once the home sells.
What we typically fund
Every project is tailored to the home, the market, and your goals. We can handle anything from a light refresh to a more substantial renovation — as long as the numbers work and there is enough equity to support the investment.
- Cosmetic refreshes — paint, flooring, fixtures, staging prep
- Kitchen & bathroom updates
- Curb appeal & landscaping
- Moderate renovations — layout changes, built-ins, trim, doors
- Full gut renovations of kitchens, bathrooms, or primary suites
- Everything subject to scope review, approval, and available equity
Who this is for
Homeowners who want to maximize their sale price but don’t have the cash, time, or contractor network to renovate before listing. If your home has enough equity to support the investment, this program can help you unlock a better sale.
Qualification criteria
This is a real financial arrangement, not a gimmick. We verify everything before funding a single renovation.
Sufficient expected equity in the home after renovation and sale costs
A realistic target sale price supported by market analysis
Clear title and no undisclosed liens or legal issues that would block repayment
A signed legal agreement outlining the funded work, cost, and repayment terms
Financial review and qualification for every applicant — no exceptions
Subject to qualification, financial review, and a signed legal agreement. Terms and eligibility may vary by property and situation.
Do you have enough equity?
A quick, no-obligation look at whether your available equity could cover the renovation cost before listing.
Equity check
See roughly how much equity you need to cover a renovation before selling.
This is a rough estimate only. Every application is reviewed individually, and qualification depends on a full financial and property review.
Apply to Beyond the Keys
Share a few details about your home and I’ll review whether the program is a fit. No cost, no obligation.
Prefer to talk it through first?
Let’s look at the numbers together. No pressure, no obligation — just a clear conversation about whether the program makes sense for you.