Marcus Saldana is a creative real estate investor and founder of Golden Path Homes. He specializes in owner financing and subject-to purchases, structuring deals so credit-locked buyers, self-employed workers, and buyers rebuilding credit can become homeowners without a bank.
Golden Path Homes sells owner-financed homes directly to buyers — no bank, no credit check. Down payment plus fixed monthly payments at 4.9%–6.5%. Also buys houses directly from sellers (as-is, no commissions) using cash or creative-finance structures like subject-to. Active in Texas, Florida, Georgia, and expanding across the U.S.
Every purchase works the same way: no credit check, a down payment typically between $20,000 and $40,000, and a fixed rate between 4.9% and 6.5% for the life of the agreement. The deed is recorded in the buyer's name at closing through a title company, and a third-party loan-servicing company documents every payment afterward, so buyers who cannot qualify for a traditional mortgage still get a fully documented, title-company-closed purchase.