In The Darkness I See Light.  The Stained Glass Created More Than A Hundred Years Ago Outshines Any Made Today, And I Have Dedicated The Rest Of My Life To Proving Why, And Convincing Others To Consider The Pure Salvage Living Renaissance When They Build Their Next House, No Matter What Size It Is.  Please Join Me In Believing We Can Do Better Than We Have In The Future.

Imagine owner financing for a Tiny Texas House, and having it pay for itself once you own an interest.

Some people wanting to own one of my houses would consider buying it if they could get financing and have a house ready for when they retire. Some want to get the land first and then the house, but that creates many issues for later, including who will watch it while it sits alone on the property awaiting your retirement?

Nice shot of the White Swan and Gypsy Two side by side.

Nice shot of the White Swan and Gypsy Two side by side.

Have you considered getting a house, leaving it at a great spot where you can go use it on those times you can get away, and then have it making you some money to pay for itself when you are not there?

Many people, including myself for more than a year, have lived in this house.  While one of my early prototypes for what we create now, it is less expensive than the newer versions of Tiny Texas Houses.

Many people, including myself for more than a year, have lived in this house. While one of my early prototypes for what we create now, it is less expensive than the newer versions of Tiny Texas Houses.

Did you know that was possible? Now it it for a few people that can afford to put a hefty downpayment and then allow the house to be used for bed and breakfast rental when you are not staying in it at Salvage, Texas. Later, once paid for, you can move it to the land of your choice, if you should find a better place, or trade in your equity for a house to be custom built for you instead of the one you have been building ownership interest in.

The lace work looks great under the black milk paint.  The blue was for accenting without getting too fancy, separating the bottoms of the posts, and outlining much of the details.  You could even have an interest in a chapel that could be used to marry people and other ceremonies to create income for your future.

The lace work looks great under the black milk paint. The blue was for accenting without getting too fancy, separating the bottoms of the posts, and outlining much of the details. You could even have an interest in a chapel that could be used to marry people and other ceremonies to create income for your future.

This is a new way of buying a house that few have thought of before. We are going to try it for a few people to consider. Putting $15,000 – $25,000 down on a Tiny Texas House that you would then hold a divided interest in until you either pay it off or trade your interest out for one in another house or toward a custom built house later. In the meantime you might be able to get your downpayment out of your retirement account and then have it earning your payments on the house out of the income you would be getting off the B&B activity without having to do anything for the income.
How much space do you need in a house to be healthy?  Not much.  To be happy?  Not much.  So why do Americans think they need 700-1,000 sf per person?  Marketing my friends... no more because the rest of the world is happier as evidenced by not having 45% of their populations on anti-depressants like here in AMERICA.  Sad fact.

How much space do you need in a house to be healthy? Not much. To be happy? Not much. So why do Americans think they need 700-1,000 sf per person? Marketing my friends… no more because the rest of the world is happier as evidenced by not having 45% of their populations on anti-depressants like here in AMERICA. Sad fact.

Yes, with a bit more paint, and a few more things to do, this will be available for those who want to stay for a night or two.

Yes, with a bit more paint, and a few more things to do, this will be available for those who want to stay for a night or two.

The Kidd is a baby that may be occupied but you will see what a 67 sf house can be.  Shower, Kitchenette, and bedroom with a desk upstairs.

The Kidd is a baby that may be occupied but you will see what a 67 sf house can be. Shower, Kitchenette, and bedroom with a desk upstairs.

I am putting three houses up for sale with these sorts of terms so that some people can help us prove how well this idea can work and give a few people a chance to turn their underperforming 401K or other retirement account into a tiny house buying machine. The houses to be considered for this will be the Vicky One, Blue Moon, Vicky II, and the Kidd. The Retreat, Gingered Swan, and White Swan are also a considerations, but it will take a larger downpayment to get into them. No credit check required, as you will have a vested interest we do not believe you would default on once you are an owner.

The Retreat is a 12x26' with a giant second floor.  The interior is awaiting its final owner to help determine how the interior will be finished out.  This would make an incredible home and office as the upstairs is gigantic and would be totally private.  Sliding divider wall would make the living area office and hide the breakfast and bath areas if desired.

The Retreat is a 12×26′ with a giant second floor. The interior is awaiting its final owner to help determine how the interior will be finished out. This would make an incredible home and office as the upstairs is gigantic and would be totally private. Sliding divider wall would make the living area office and hide the breakfast and bath areas if desired.

You can own an interest and then have an income or the payments made from the monthly rental which we take care of, as well as the lawn, maintenance, and taxes while we are managing it. Once paid for, you could work out an agreement to keep it here and keep getting income from it, paying to lease the space and not rent it out, or trading your interest for a better house, selling it to cash out, or living in it full time thus becoming a part of the community of Salvage, Texas.
Here is the water we managed to hold back from the river to do our part to reduce the flooding down below us.  Always nice to be of some help.

Here is the water we managed to hold back from the river to do our part to reduce the flooding down below us. Always nice to be of some help.

Here is how it might work:
The owner financing is based on the downpayment being the amount you would make interest on as we use it for the B&B. Example would be $25,000 would be earning you 9% annual so that the income would be $2,250 thus $187.50 per month applying toward the remaining balance on the house you chose to invest in. The rate of payoff could be more than that if you wanted to pay it off faster or just let the income be applied against the remaining balance which would only bear a 3% interest rate on the balance for which ever house you choose. Thus if the house were $50,000 and you paid down $25,000 the remainder would be a 15 year payout if you did not pay any more against the principle than what it was earning. You would be getting the free use of the house 30 days out of the year while the balance was being paid off. Once the house is paid for, your net income would increase if you kept it in Salvage, Texas and online for the B&B or you could take it away to your land, or live here in it at which time we would talk about renting a space in the village or being a participant in creating Salvage, Texas thus getting your space for free.
If you put in an extra $150 a month you would pay off on the house in much less time but you would not be obligated to do so if that is the type of agreement you would like rather than a higher payment obligation each month. If for any reason the house did not generate any income for the month, you would still get your credit for the month against your remainder owed on the house. In other words, no risk against your getting your return each month regardless of the rental frequency.

Please keep in mind this is a new realm of offering so we can be flexible on designing terms that are comfortable for both of us, depending on your situation and if you would be considering joining us in Salvage, Texas once your home is paid for.

I hope that give you a bit more clarity but ultimately, it will take a phone conversation or your coming to visit to perhaps give you the clarity you may not get from my email here. Please let me know if you have any more questions.

Imagine having a Tiny Texas House outside the city where you can come and hide from the world for a week, weekend, or month, then return and have it making you money while you are gone. Does it feel better than that when you look at your dismal growth rate on your retirement funds? Imagine getting a 9% return on your savings instead of less than 1% and having a hard asset to show for it instead of just paper.

Give us a call at 830-875-2500 or email me at bwk@tinytexashouses.com for more information about how you can get into one of the few opportunities offered to get owner financing on a Tiny Texas house that also pays for itself after you invest the downpayment. Who else offers anything like it? No one. Join us in demonstrating how this can work for many people once we show how it can be done and benefit everyone involved.