Choice Properties, LLC

Thank you for visiting the website of Choice Properties, LLC.

We are a "Full Service Real Estate Solutions Provider."
We seriously want to help, be it buying or selling and we promise there is no pressure what-so-ever. Tell us your circumstances; we'll give you several solutions as to how we may be able to assist you in your real estate needs. Always keep in mind – we are NOT real estate agents – no commissions, no closing costs, quick possession of your home and low down payments of your new home, we have rentals as well.

We Buy Homes Any Area…Any Condition…Any Reason
Is your home run down or vacant?
Getting divorced?
Little or no equity?
Are you relocating?
Facing Foreclosure?
Do you need to settle an estate?
Behind on taxes?

People sell their homes for a variety of reasons. Above is a list of just some the reasons we deal with frequently.
We are a full service real estate solution company located in Radcliff, Kentucky. We can purchase your home rapidly with several programs to choose from based on your current and future needs. You do have choices; we can help you decide what fits best for you.
We buy with TERMS!!! If you need to sell quickly and you are having a hard time selling, we can make you a Terms offer! If you are willing to provide us with 'Terms', which means owner financing, we can give you more for your property than if we make a cash offer.
We buy using our Lease/Option PROGRAM!!! If you have no equity, a vacant home in a nice neighborhood, need immediate debt relief or you are a landlord who is tired of the headaches of property management then our Lease/Option Program might be right for you! We will lease your home on a long term basis giving you all of the benefits of land lording such as depreciation benefits and interest write-offs, without all of the management or maintenance nightmares. We here at Choice Properties become your perfect tenant with on time and in-full monthly rent payments.
We buy paying ALL CASH!!! If you need to sell quickly and you are having a hard time selling, we can make you an all cash offer! If you are able to discount your property we can pay you all cash and close quickly with no banking contingencies!!! We specialize in buying properties anywhere and in any condition nationwide but we are based in Kentucky.
Send Us Your Home Information so that we may assist you further

If you are facing foreclosure the best advice we can give you is ACT NOW! Many people facing foreclosure simply do nothing and hope for a miracle. Don't fall into that trap!

Some homeowners seek advice only from a lawyer (and why not – a lawyer is supposed to have all the answers, right?).  Some homeowners might act on advice and file bankruptcy thinking that all their problems are now solved. Bankruptcy will only delay the foreclosure by 1-2 months, however, will destroy your credit for the next 7 to 10 years!!!  The end result is almost always the property still goes to auction, and you now have a bankruptcy in addition to the foreclosure on your credit report.

In almost ALL cases, the best thing for a home owner to do when facing foreclosure (assuming that the home owner's loss of income is not temporary), is to SELL THE PROPERTY!  You will have avoided having a foreclosure and possibly a bankruptcy on your credit report.

Many times we can even get you cash back to move so you can get on with your life without this Major Problem! We also have other programs that will help repair your credit and because we have a ongoing inventory of houses, we can help you move into another home with a fresh start.

We can even help in most situations where there is no equity in the house.  I'm sure you have been contacted by other investors, especially if the foreclosure process has gone public. Unlike other investors, we will not try to take advantage of your unfortunate situation. We simply try to figure out a mutually beneficial solution so you can move on with your life!

If your house payments are more than a month or two behind, your lender has probably already started the foreclosure process.  As time passes many thousands of dollars in penalties and legal fees can be added to the balance you owe.  Every single day extra interest is added!  The longer you wait, the harder it is for us to help you. To avoid this you must act quickly.

CALL TODAY for a no obligation consultation and see how we can save your credit from foreclosure before it is too late. Call now for a free consultation to see if we can help you avoid foreclosure.  There are many solutions available, you do have choices.  Act now, don't delay!  You can also email us your information: under the contact us tab.

Send Us Your Info.

[Note- We are not attorneys.  We strongly suggest that you consult a competent specialist attorney in addition to talking with us.  We can provide you with a referral if needed.]

In a nutshell, a lease/option is us taking possession of a property by leasing it from you for a pre-determined number of years (usually 3 to 5) with an option to buy at the end of the term.
We retain the right to sub-lease to a new pre-screened tenant/buyer, giving them the right to purchase from us. This method of leasing is known in the industry as a "Sandwich Lease".

Perfect Tenant Program

How would you like all the benefits of investment property ownership without any of the headaches?
Our company will lease/purchase your property on a long term basis, guarantee the monthly payments, take over the maintenance, and deal with all of the management headaches! Just tell us where to send the monthly rent check.
Contact us and never be faced with problem tenants, late payments, maintenance calls, vacancies, evictions and all that other management nonsense.

To inquire about our Lease Option program Send Us Your Property Info.

We are currently acquiring residential (1 to 4 units) and commercial (5 + units) in the continental United States.
We offer a referral fee based on the value of the property for leads to cash flow multi-unit buildings.

Frequently Asked Questions  (FAQ)

How do I know that I can trust you?

1. In our initial phone conversation, you don't know us and we don't know you. Our objective with a new client is to build a relationship, to make each of us feel comfortable. We (unlike most "We Buy Homes" people) will spend as much time as you desire on the phone to answer all your questions and get to know you and your situation. 95% of the time we can offer you several options on how to buy or sell a home. We want you to fully understand what these options are. If we have a mutual interest in one of our options for you, we will set up a time to meet face to face so we can build our relationship even further. If for whatever reason you are not comfortable with us or vice versa, we shake hands and go our separate ways. Whether we decide to conduct business together or not, we are available to answer any questions you may have to assist you in your final decision. I encourage every single person that contacts us with their real estate needs to call the other "We Buy Homes" people before making a decision to work with Choice Properties. We understand how the "other people" operate and you should too! All our paperwork was drafted by a real estate attorney. You receive a copy, we receive a copy, we get the paperwork notarized together and file it with the county clerk so that it is 100% legally binding. We will also provide you with references upon request.
2. I don't really understand how a lease option works?

In a nutshell, a lease/option is us taking possession of a property by leasing it from you for a pre-determined number of years (usually 3 to 5) with an option to buy at a pre-determined price. We retain the right to sub-lease to a new pre-screened tenant/buyer, giving them the right to purchase from us. This method of leasing is known in the industry as a "Sandwich Lease".

• How do I know my mortgage payments will be made?

That is our guarantee to you! This is why it is so important for us to build a relationship we are both comfortable with. Again, all the paperwork is a legally binding contract. We have an escrow account set up with an escrow company that will collect from us and pay the mortgage company. This helps tenant/buyers build their credit to eventually purchase the home. We can also pay you directly so you are assured the payments are made in a timely manner or we can pay direct to the lender so you don't have to deal with "another bill", whichever you are most comfortable with. Don't forget, references are available upon request.

• When will you sell the house?

It is up to the tenant/buyer as to when they exercise their option to purchase the home based on the pre-determined time frame set up in the lease agreement. Many people buy homes in this manner because their credit is poor and they cannot qualify for traditional bank financing. By running their payments through the escrow company, as explained in the previous question, we can help them build up their credit. The escrow company then contacts us when they are eligible to apply for a bank loan. This usually happens within a 2 year time frame, sometimes less, sometimes more. We get compensated when they purchase, so obviously we try to get them qualified for bank financing through one of our lenders as soon as possible. In the meantime your payments are being made so you are not tied to the home financially.

• Why Choice Properties if you are buying?

Interest rates are just slightly off of their 30 year lows. With traditional financing you must have good credit with employment seasoned by the same company for one year or more before most banks or lenders will even allow you to fill out an application. They will require W-2 employer statements, tax returns, verification of funds in your bank, investment accounts and letters of explanation on anything less than perfect credit just to name a few. Qualifying for a traditional bank loan is a nightmare to most consumers. There are many people who earn a descent income but have made mistakes or have had problems in the past. Some just refuse to deal with banks and mortgage companies because of their guidelines to qualify and it seems to take forever. If you have been through a foreclosure on a previous home, been through a bankruptcy, have less than good credit or are self-employed, banks won't even speak with you. None of that matters at Choice Properties. All we are concerned with is that you earn enough to make the monthly payments. Traditional FHA or VA loans require a minimum of 10% down but usually 20% cash up front on your new home if you can qualify. With our lease/option program, you can get into the type of home you want in the area you want for only 2% to 5% down depending on the home and the area. That money is applied toward the purchase price at current market value at the end of your lease agreement. Be a homeowner, not just a tenant throwing your money out the window paying rent. We help you build your credit by paying through our escrow company and they inform us when you are eligible to qualify for traditional bank financing to purchase your home. Obviously you must be making your lease payments, as well as your other monthly obligations, in a timely manner to increase your credit rating. Your option consideration (2% to 5% down) is non-refundable money paid to Choice Properties upon signing the lease agreement. If you decide not to purchase the home at the end of the lease for whatever reason (known as exercising your option to purchase) we give you the choice of renewing the lease or moving on and we've had many clients do just that. 3% to 5% down is not much more, if any, than a security deposit on an apartment or rental property. Think of it as test driving your home. If you're unsure of the future, the area or the home, you can just walk away. If this home is right for you, exercise your option to purchase and the home is yours. Just tell us what you’re looking for by filling out the form on the "Want to buy a house" page or give us a call @ 270-872-7750.

• How can you afford to get people into homes for such a small amount of money down?

We are a small company with a small staff. We do not have an expensive sales office and we do not pay out high sales commissions. Also, there are no closing costs to you or us. Remember, you are dealing with Choice Properties not banks and mortgage companies.

Please don't hesitate to contact us at any time.

Thank you from all of us at Choice Properties.