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dwell kept.

Kansas City metro

We buy your house on terms, not a bank’s.

Dwell Kept buys Kansas City houses directly. Sometimes you carry the note and we pay you over time. Sometimes we take over your existing payment. Either way there is no listing, no agent, no repairs required before we can talk, and no bank we have to qualify with to close. We own what we buy.

Get a free, no-obligation offer See how it works

The offer costs nothing and commits you to nothing. Terms are specific to your property and come out of a conversation, never off a web page.

The problem

A traditional sale asks a lot before it asks for a price.

Listing a house assumes it is ready to be shown, that a buyer can qualify with a bank, and that you can wait out a market. None of that is a given, and it is not really about the house — it is about the machinery a traditional sale runs on.

A buyer needs a bank. We don't.

A traditional sale can fall apart in underwriting, weeks after you thought it was done. We are not applying for a loan to buy your house, so there is no appraisal contingency and no lender to say no at the last minute.

Repairs standing in the way

A bank-financed buyer usually needs the property to pass inspection before they can close. We buy it as it sits, so deferred maintenance is not a reason to wait or to spend money before you can sell.

One number now, or income over time

A cash sale is one lump sum, taxed as one event. Carrying a note instead can mean payments over time with interest, which is worth asking your own tax advisor about — for some sellers it is worth more than a single check, not less.

Two ways we buy

Which one fits depends on your loan, not your preference.

We do not pick between these based on what is easier for us. If you own free and clear, or close to it, seller financing is usually the fit. If you have an existing loan at a rate worth keeping, taking over that payment directly is usually the fit. We tell you which one applies to your property before we talk terms, not after.

The table below scrolls sideways.

Seller financing compared with Dwell Kept taking over an existing payment, by aspect.
  Seller financing We take over the payment
Fits a seller who Owns the house free and clear, or close to it. Has a loan with a good rate they would rather we kept in place than pay off.
How the price gets paid You carry a note. We pay you over time, on terms we work out together. We take over the existing monthly payment directly, going forward.
Down payment Terms built around what actually works for you -- talk to us about what you need. Same. Not promised as zero, not assumed to be large. It is a conversation.
The loan There is not one in the way. Nothing to assume, nothing to trigger. Stays in place. We only do this on a conventional loan, never a government-insured one.
Bank approval for us to buy None needed. This is a private agreement between us. None needed either -- we are not applying for a new loan.
Speed As fast as we can agree on terms and get paperwork signed. Same -- no lender underwriting timeline on our side.

Neither is universally better, and the honest version is: it depends on what you owe, if anything, and at what rate. Tell us your situation and we will tell you plainly which one applies, or if neither does.

Where the line sits

What we take over, and what stays yours to decide.

Once we own the property, the operating decisions are ours. Before that, the decision to sign at all is entirely yours, on your timeline, with your own attorney's sign-off.

Dwell Kept, once we own it

What we take over

  • The offer. We look at the property and the numbers and tell you plainly whether it works and what terms we can offer.
  • The paperwork, walked through with you -- and we expect you to have your own attorney read it before you sign.
  • What happens to the house after closing. We own it, so repairs, vacancy, and finding a resident are ours, not yours.
  • If we take over an existing payment: making that payment, on time, going forward.

Yours, before you sign

What stays with you

  • The right to walk away at any point before you sign. Nothing is owed until then.
  • Your own attorney reviewing every document before you sign anything.
  • If we are taking over your payment: the fact that it is still your loan on paper, so review that with your attorney specifically.
  • The choice of whether this is the right fit at all -- some properties and situations are not, and we say so.

We flag anything about the property's condition or your loan that matters to the terms during the first conversation, not after you have signed something. If we are taking over an existing payment, that conversation includes exactly what that means for the loan staying in your name.

After closing

What we do with the house once it's ours.

We are not buying to flip and move on. We buy to own and operate, which is part of why we can offer terms instead of only cash: the house becomes a long-term asset for us, not inventory.

Where we honestly are, before any of it: Dwell Kept is early, and this is our first Kansas City portfolio under this model. What backs any agreement is the signed terms themselves, not a track record we do not have yet. Read those terms with your own attorney, and we expect you to.

One

Section 8 or PadSplit, decided per house

A single household on a standard lease is one way to use a property. It is not the only one. Depending on the property, we operate a Section 8 placement in a self-contained unit, or a PadSplit co-living grid where rooms are rented individually to separate members. Which one fits is a property-by-property call, made after we own it.

Two

We operate inside a tight radius

Our operating radius is roughly one mile from four hospital anchors: Saint Luke’s East, Centerpoint, KU Med and AdventHealth. Hospital corridors produce dense, steady demand from people who need to live close to work and commute at odd hours. That is the demand our buy box is built around.

Three

We are deliberately selective

Not every property fits what we operate, which is why some come back as a straight no rather than a lowball offer. Taking on a property we cannot run well helps nobody, including you.

Four

An offer, not an assessment of you

The offer reflects the property and the terms, never your circumstances. We are not your agent and we do not work on commission — we are a buyer, telling you plainly what we can do.

Any agreement is Dwell Kept’s obligation once signed, and its terms — price, schedule, what happens if either side does not perform — are set out in writing before you sign, not summarized after. We walk through those with you rather than bury them, and we expect your own attorney to read them too.

Transparency

We show the ledger.

We are asking you to sign an agreement that pays you over time, or hands us your existing payment. That only works if the terms are not hidden, and if a note you are carrying is recorded the way an ordinary loan is.

Terms in writing, before you sign
Price, payment schedule, and what happens if either side does not perform — all written down and reviewed with your attorney before signature, not summarized after.
If you are carrying a note
It is recorded and serviced like any other note, with a clear schedule and a clear record of what has been paid.
A straight answer either way
If your property does not fit what we buy or operate, you hear that plainly, and why — not silence, and not a lowball offer dressed up as a fit.

Next step

Start with a free, no-obligation offer.

Give us the address, a few basics on condition, whether there is an existing loan and roughly what it looks like, and the best email and mobile to reach you. We work out whether seller financing or taking over your payment is the fit, and what we can offer.

If it fits, you receive terms in writing: the structure, the schedule, and anything about the property or the loan we would want addressed first. If it does not fit, a person tells you so, and tells you which part of it did not work. It costs nothing and carries no obligation.

Get a free, no-obligation offer