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dwell kept.

How we buy

Two ways to buy, and your loan decides which.

Whether we buy with seller financing or by taking over your existing payment depends on your loan situation, not on what kind of house it is or what we might do with it later. Here is exactly what each one looks like, so you can see where you sit before you send anything.

Read this as how we sort which mechanism applies, not as a gate you have to pass before you are allowed to ask. If you are not sure which one describes your situation, send the address anyway and a person will work it out with you.

The two ways we buy

It comes down to whether there is a loan in the way.

These are not two tiers of the same offer — they are two different mechanisms, and which one applies is a fact about your loan, not a judgment call about your property.

Way one

Seller financing

You carry the note. We pay you over time, on terms written down before either of us signs.

What it fits

  • You own the property free and clear, or close to it.
  • You would consider carrying a note and being paid over time instead of one lump sum.
  • There is no existing loan for the arrangement to interact with, so there is no due-on-sale question.
  • Terms -- price, schedule, interest -- are worked out together and written down before anyone signs.

Way two

Taking over your payment

We take over your existing monthly payment directly, going forward, rather than paying the loan off.

What it fits

  • You have an existing loan at a rate worth keeping in place.
  • The loan is conventional -- not FHA, VA, or USDA. We do not do this on a government-insured loan.
  • You understand the loan stays in your name, and that most mortgages let the lender call the loan due on a change of ownership. We raise this before terms are written, not after.
  • We take over the monthly payment directly, going forward.

After closing, not before

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

This has no bearing on whether we buy your property or what we offer — it is what happens afterward. Depending on the property, we operate a Section 8 placement, a PadSplit co-living grid, or hold it as a standard rental. Our operating radius for that, once we own something, tends to sit within roughly a mile of a few hospital anchors.

None of this is a requirement for a house to sell to us. It is here so you know what kind of buyer you are dealing with, not as a checklist.

Where we tend to operate

  • Saint Luke’s East
  • Centerpoint
  • KU Med
  • AdventHealth

Roughly one mile, measured to the property. Kansas City metro only. This describes what we operate, not what we buy.

Beyond the loan

The loan is where we start, not where we finish.

Which mechanism applies is the first fork. Four other things get weighed once we know that.

Condition
The roof, the panel and the sewer line affect what we can offer, and get found before terms are written rather than argued about after. Anything we would want addressed is named in writing, as a condition rather than a surprise.
Whether someone is living there now
An occupied property is common and workable. Their lease, their rent, their deposit and any required notices all have to be handled correctly under Missouri law, so the existing lease is one of the first documents we read.
What kind of loan, if any
This is the single biggest fork in the road -- it decides whether seller financing or a payment takeover applies, or whether neither does. Tell us plainly what you have; guessing wrong wastes your time and ours.
What we can offer
Comps and the numbers on the terms that fit, modelled against what the property is worth to us. That is the work behind any offer, and it is why no number exists before that work does.

If you are not sure which one describes you

Send it anyway.

A loan you are not sure is conventional or government-insured, a mix of equity and an old loan, a property you are not sure how to describe: all of that is worth putting in front of a person. A page cannot see your loan documents, so send it rather than talk yourself out of asking.

Requesting an offer is free, so finding out costs you nothing, and an honest no is a useful answer to have in writing.

What we will not do is tell you a price before a person has looked, quote terms before we know your loan situation, or promise you a date. Those are limits we hold on purpose.

Go to the form

Free, no-obligation offer

A few things get it started: your name, the best email and mobile to reach you, the property address, and whether there is an existing loan. It costs nothing, and receiving terms commits you to nothing.

Request your free, no-obligation offer

Tell us about the property and your loan situation. A person on our team works out how we can buy it and follows up with written terms, or a straight answer that it is not a fit.

Every property is different. Any offer, price, or terms are specific to the property and come from a conversation with a person, not from this site.

Fields marked * are required.

US number, digits or formatted - both work.

Street, city, state and ZIP. The address of the rental, not your mailing address.

Is it currently occupied?

Tell us if you own free and clear, or have a loan — and if so, roughly what kind (conventional, FHA, VA) and the rate, if you know it. That decides which way we can buy. Anything else you tell us here goes to the person working out your offer.

By submitting this form you are asking Dwell Kept LLC to look at your property, and you agree that Dwell Kept may contact you about it by email, phone and text at the details above. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. Consent is not a condition of anything being bought or sold. We do not sell your information — see our privacy policy and terms — and you can ask us to stop contacting you at any time. Requesting an offer is free and carries no obligation.

Kansas City metro only.