Earn Predictable Monthly Income Backed by Real Estate
We help everyday investors use their savings or retirement accounts to earn steady, asset-backed income through secured real estate lending.
What We Do
Simple, Secured Real Estate Lending
At Earn With Homes, we acquire affordable homes and sell them to families using seller financing. Private lenders fund the purchase, and their capital is secured by a first-position lien on the property, recorded through a title company, just like a traditional bank mortgage.
Lenders receive fixed monthly payments on a fully amortized schedule. No property management. No tenants. No stock market.
You lend, a lien is recorded in your name, and you receive monthly payments for the term of the note.
What Sets Us Apart
Why Lenders Work With Us
First-Position Security
Your loan is recorded as a first-position lien through a licensed title company. You hold the primary claim on the property, the same position a bank holds on a conventional mortgage.
Predictable Monthly Payments
Every note is fully amortized with a fixed payment schedule. You know what you're receiving and when. No variable returns, no waiting for a property to sell.
Truly Passive
You don't manage the property. The buyer lives in the home and handles upkeep, taxes, and insurance. You receive your monthly payment. That's it.
What Our Lenders Say
Hear From a Real Lender
Seeing it come through like clockwork every month is very nice. It's comforting. It was the easiest thing to set up, and I don't have to do anything else.Melissa, Private Lender (10 months)
Who We Are
Built by Investors, for Investors
Earn With Homes is run by Dan Wilson and Jon Smith, full-time real estate investors with over 170 combined transactions across Ohio and Missouri. Dan is a former Air Force officer with 14 years of service. Jon brings a data-driven approach from his background in operations management.
Learn more about us →How It Works
A Simple Process
Learn
Download our free guide to understand how private lending works, or schedule a short intro call to get your questions answered. No commitment, no pressure.
Evaluate
We walk you through how our deals are structured, what protections are in place, and how the process works from start to finish. Full transparency before you make any decisions.
Earn
Once your funds are deployed through a title company and your lien is recorded, you begin receiving fixed monthly payments on a set schedule. We handle operations. You collect payments.