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, livable 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 to deal with. No stock market involvement.
It’s a straightforward model: you lend, a lien is recorded in your name, and you receive monthly payments for the term of the note.
WHY LENDERS WORK WITH US
First-Position Security
Your loan is recorded as a first-position lien on the property through a licensed title company. You hold the primary claim against the collateral — 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 exactly what you’re receiving and when. No variable returns, no waiting for a property to sell, no market dependency.
Truly Passive
You don’t manage the property. You don’t deal with tenants, maintenance, or repairs. The buyer lives in the home and is responsible for upkeep, taxes, and insurance. You simply receive your monthly payment.
What Our Lenders Say
Melissa’s Testimonial
“Seeing it come through like clockwork every month is very nice. It’s comforting. It was literally the easiest thing to set up, and I don’t have to do anything else.”
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. Dan is a former Air Force officer with 14 years of service. Jon brings a data-driven approach from his background in operations management.
Together, they focus on acquiring affordable homes in the Midwest, creating homeownership opportunities for working families, and structuring secured lending relationships built on transparency and trust.
HOW IT WORKS
A Simple Process From Start to Finish
Learn
Download the Guide or Book a Call
Start by downloading our free guide to understand how private lending works, or schedule a short intro call to get your questions answered directly. Either way, there’s no commitment and no pressure.
EVALUATE
Review the Opportunity
We’ll walk you through how our deals are structured, what protections are in place for lenders, and how the process works from start to finish. You’ll have complete transparency before making any decisions.
EARN
Receive Monthly Payments
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 everything on the operational side. You simply receive your payments.
Ready to Learn More?
Whether you’re just starting to explore private lending or you’re ready to have a conversation about how it works, we’re here to help.