About Us
Your Solution 4 Real Estate is a family owned company based in Michigan. We buy, sell, and lease properties.  We specialize in revitalizing houses that need “TLC” into homes that you will love to live in. Our buyers are looking for homes in nice areas that are finished to a high quality standard and offered at a reasonable price.  We are always buying and selling homes, so our inventory moves quickly. We provide our clients with their dream homes, while we help to improve the property values in the neighborhoods and communities that we work within. We employ local contractors.  We are pleased to be a small part of the restoration of the US housing market and economy.
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If you are like us, you’ve lost money in the stock market. After some major losses, we decided to diversify into other types of investments so we no longer had “all of our eggs in one basket”.  

By moving into real estate investing, we now have tangible assets to back up our funding, which is more than we had with our stocks.  We purchase our properties with CASH.  We utilize our own cash and our Self Directed Individual Retirement Account’s, but this past year we have been finding more opportunities than we can personally fund. So, we began to partner with clients whom we refer to as ‘Money Partners’.  These Money Partners, also known as Private Money Lenders, loan money to real estate investors, like ourselves, just like a bank would.  The difference is that Money Partners get a higher return than banks do, yet they have the first lien on the home that is purchased with their money, just like the banks do.  Banks are no longer making as many loans, especially to investors, as they used to, so Money Partners have become a necessity. 

With property values at all-time lows, this is the right time to loan money to real estate investors who know how to select the right properties.  Acquiring the right properties is KEY and this requires experience and a solid understanding of the given real estate market. This is what we are good at.  We are real estate investors, focused in Southeastern Michigan, who buy at a great price, add value to the property and then sell or lease the home. We are not real estate agents who list homes on the MLS. 

We employ different partnership models to accommodate the specific needs of our many different types of Money Partners.  

Contact us to learn about our partnership models.

Here is the basic process:

We make an offer on a distressed home in a nice neighborhood
  • The offer is accepted and a closing date is specified by the seller
  • At closing, we receive cash from our Money Partner (either their SDIRA or their cash reserve) to purchase the property
  • Our Money Partner gets a mortgage note (they become our ‘bank’ with a lien on the home)
    • Promissory Note signed at time of investment
    • A first lien is recorded on the property at the county courthouse (just like a bank would do)
    • Certificate of insurance naming our Money Partner as additional insured
  • We make payments to our Money Partner on the scheduled dates

Contact us and we will set up a FREE, no obligation, confidential consultation with you, so you can get your questions answered.


In general, all investments contain some element of risk and there are no guarantees, even with real estate. 

Legal Disclaimer, because we are not CPA’s, tax advisors, Attorneys, etc.:
As a disclaimer, these funds are not FDIC insured and all investments are at risk and may lose value.  Consult your financial planner, tax advisor, CPA, attorney and/ or accountant for all legal details before making investment decisions.  Real estate investments are not guaranteed or insured and past performance is not a guarantee of future performance. This is not an offer or invitation to sell or a solicitation of any offer to purchase any securities in the United States or any other jurisdiction. Please ask questions and review information before you consider any investment.  This presentation is not an attempt to offer legal or tax or investment advice.  The contents are purely informational and we do not advocate individual investments.  Any person considering investments in, or changes to, an IRA should obtain advice from independent legal, tax, investment and real estate professionals.

Frequently  Asked Questions:
"Isn't real estate risky and haven’t people lost money already?”
 As with most things, it's all in how you use the tool.  The key is in choosing the right properties and buying them at the right price. The money is made when we buy the property and this is what we are good at.  With us, you will not be investing in some speculative land deal, rather we focus on acquiring great deals and using standard, bank-like loans to fund these properties. The real security for each loan is in the substantial collateral of the property. Here is an example to consider: Knives are risky in hands of a child, but are safer in the hands of a surgeon.  

"What if your company has difficulty staying current with the payments?"
This would be handled similar to how the bank’s handle the process.  If an investor cannot keep up with the interest payments, then you as a mortgage note holder are able to foreclose on the property. Because we only deal in situations where the property is worth substantially more than the loan, there would be enough equity in the property to cover the loan, especially as we fund the renovation costs. Should a foreclosure occur, the good news is that the loan would be repaid, once the property is sold. 

"Do I invest in one property or several?”
Each investment of yours is a loan on one specific property at a time. You know exactly where your money is going because you have a mortgage note and promissory note for a specific home.  Of course, if you decide you like this form of investing, there's nothing to stop you from making multiple separate investments.

"How can I trust your investments?”
The best part is that everything is transparent and visible and you don't have to take a "leap of faith" in this process! You know about the property you'll be loaning on. You are given all the facts about the property's value, comparable properties in the area, the proposed use of the loan proceeds, etc.  Only when you have all the facts do you decide on investing.  Compare that to buying a mutual fund, where you have only a vague idea about what the investment manager has put your money in.  In this process, you know exactly which property you're loaning against.

"Should I invest all my savings into real estate deals?”
We have read that a person should have at least 6 months to 1 year worth of monthly expenses in a liquid account so that in case of emergency you can use those funds. If you have a known expense within the next year, we don’t recommend putting that money into these investments.  You should be able to put this money aside and forget about it until the end of the term of your loan, which will help you since the longer you can have your money off and working for you, the more money you can make.

"What if I want to get out of the investment earlier than I had planned?”
You should only be investing an amount of money that you can leave in the investment for the term of the loan.  Your money helped purchase the property that is being renovated and can’t be pulled out unexpectedly.  Therefore, unlike a money-market account, these investments are not able to be withdrawn on a moment's notice, which is one reason why you can achieve a higher return than a money-market account will deliver.

"What are the tax consequences of these investments?”
We urge to seek counsel with a professional tax advisor who can advise you on your specific situation. You would receive a 1099 at the end of the year for the amount of your interest income that you received.  You would need to claim this on your tax return and you  would have to pay taxes based on your overall return.  You may or may not be able to offset that income with some of your other investments. When you invest through a Self-Directed Individual Retirement Account (SDIRA) it is handled differently, based on the type of IRA (i.e. Roth versus Traditional).

“Is this the right diversification for me?”
In the world full of risks, it always makes sense to diversify your investments, like the old adage says “Don’t put all your eggs in one basket”. If you already own other types of investments, then becoming a Money Partner is definitely worth looking into.  Having some of your investment money spread out in very different investment types can actually reduce your overall risk.  It will make your portfolio even more diversified.  We certainly don't suggest that you put all of your investable assets into one single deal, whether that be a real estate deal, a stock or a mutual fund.

"Why haven’t I seen this on the news or in the Wall Street Journal?”
These individual deals are not mass-produced investments.  You will know exactly what property you are making your loan on because you will have a mortgage note for it and a lien attached to it.  In contrast, Wall Street’s mass investments when raising $50 million or so, cannot match up individual lenders with single properties.  "Diversification is a key aspect of any investment!”