Capital Partnership

We don't manage
properties.
We become the bank.

Haeylo Capital Ventures acquires undervalued residential properties across the United States and sells them on owner financing — creating a private lending ecosystem where real estate is the product and notes are the income.

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The Model

Real estate as a financial instrument.

Most real estate investors manage tenants, toilets, and turnover. Haeylo operates differently — we use real estate as the vehicle and owner financing as the engine. We borrow like a car buyer and lend like a bank.

01
We Borrow Short
We work with capital partners on a fixed 5-year fully amortizing schedule — the same discipline a consumer applies to a car loan. Equal monthly payments. Known term. Clean exit.
02
We Acquire Below Market
We source residential properties from motivated sellers — owners facing personal circumstance or properties with cosmetic distress — at prices that create meaningful equity from day one.
03
We Lend Long
We sell on a 30-year owner-financed land contract (contract for deed). Our buyer makes monthly payments to us the same way a mortgage borrower pays their bank. We hold the note and collect income indefinitely.
The Process

From acquisition
to free and clear.

Every Haeylo deal follows the same disciplined arc. Capital in at acquisition. Capital out at month 60. Income continues from the buyer's note indefinitely.

01
Acquire Below Market
We identify residential properties priced below their owner-finance resale value — typically from motivated sellers dealing with personal circumstance or properties with cosmetic distress that discourages traditional buyers. We acquire as-is. No rehab. No renovation risk.
02
Sell on Owner Finance — Land Contract (Contract for deed)
We re-list the property on owner financing at a price that reflects what a buyer can afford on monthly terms — not what the market dictates in cash. We retain legal title throughout the term. The buyer receives equitable title and all the rights of homeownership. They handle maintenance, taxes, and insurance.
03
Collect the Spread
The buyer's monthly payment funds our capital partner obligations and generates a spread that we retain as an operating reserve. Every month. Predictably. Without property management, without tenants, and without the operational burden of traditional landlording.
04
Free and Clear at Month 60
At the end of the 5-year capital partner term, our debt obligation retires completely. We own the property free and clear — legal title in our name — while continuing to hold and collect the buyer's 30-year note. The income stream continues. The obligation does not.
"However long the night, the dawn will break."
African Proverb, Nigeria
Our Ecosystem

Two sides of
every transaction.

Haeylo creates value on both sides of the deal — for the capital partners who fund our acquisitions and for the buyers who gain access to homeownership they could not otherwise achieve.

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Capital Partners
Individuals with capital seeking consistent passive returns secured by real property. Our capital partners fund acquisitions on a fixed 5-year amortizing schedule with a first-position lien on the acquired property. They receive equal monthly payments from month one through month sixty — funded by the buyer's contractual note obligation rather than discretionary rental income.
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Owner Finance Buyers
First-time homeowners without access to traditional mortgage financing. Investors building a portfolio through owner-financed acquisition. Contractors who understand property value and want to build equity while managing their own improvements. Section 8 landlords with guaranteed income spread. Our buyers get a path to ownership that no bank would offer them.
Capital Partner Protections

Structured to protect
capital first.

Every acquisition is structured with the capital partner's security as the primary consideration. These protections are consistent across all transactions.

First Position Lien
A recorded first-position mortgage is placed on the subject property at closing. The capital partner is senior to all other claimants and has the legal right to foreclose in a default scenario.
Seller Carry or In-House Funds Behind You
Where your loan does not cover the full purchase price the balance is funded by a seller carry-back note in second position or Haeylo in-house funds — both subordinate to your lien. When Haeylo contributes in-house funds our capital is at risk before yours.
Promissory Note
A fully executed promissory note documents all terms — amount, rate, payment schedule, and maturity. Prepared by a licensed attorney and executed through a title company.
Property Taxes & Insurance
The property is insured from the date of closing under Haeylo's own policy. The capital partner is named as primary beneficiary for at least their loan amount. A second policy held by the buyer provides additional coverage throughout the term. Property taxes are escrowed from the buyer's payment and paid directly by Haeylo — eliminating the risk of a tax lien attaching to the collateral.
Conservative LTV
Our acquisitions are structured to maintain conservative loan-to-value ratios relative to the property's owner-finance resale value — providing meaningful equity cushion throughout the term.
Note-Funded Payments
Capital partner payments are funded by the buyer's contractual monthly note obligation — not by rental income subject to vacancy or maintenance disruption. Structural reliability over discretionary income.
Monthly Written Updates
Capital partners receive a written monthly update — payment status, property status, and any material developments — without exception throughout the full term.
"Cast your bread upon the waters, for you will find it after many days."
Ecclesiastes 11:1
Risk & Downside

What's the worst
that can happen?

Every capital partner asks this question. We answer it directly — because the answer is one of the most compelling things about this model.

What's the Worst That Can Happen?
The worst that can happen is that I pay you on time every month and you earn 12% on your money.
If that happens you receive $10,040 in interest on your $30,000 over five years of equal monthly payments. That is your downside — a phenomenal return paid on schedule. If payments ever stop for any reason you take possession of a property secured by your first-position lien — worth significantly more than your original loan. Every payment made to you to that point is yours to keep unconditionally. Your interest is formally secured and legally enforceable from day one.
Paying you perfectly is our downside. Defaulting is your upside. That is how this is structured.
Illustrative Example

The numbers
in plain terms.

The following is a hypothetical illustration of how our capital partnership model works in practice. This is for educational purposes only and does not represent a specific offering, guarantee of returns, or solicitation of any kind. Actual terms vary by transaction.

Acquisition
Purchase Price $30,000
Source Motivated seller
Condition As-is — livable
Owner Finance Resale $85,000
Buyer Monthly Payment $875+
Capital Partner — Hypothetical Terms
Loan Amount $30,000
Targeted Return 12% annualized
Monthly Payment $667.33
Term 60 equal payments
Total Interest $10,040
Total Returned $40,040
Buyer Pays Haeylo
$875/mo
−
Haeylo Pays Partner
$667/mo
=
Operating Spread
$208/mo
Spread retained as operating reserve throughout the 5-year term. At month 60 the capital partner obligation retires. The buyer's note continues.

Illustrative example only. Figures are hypothetical and for educational purposes. Targeted returns of 12% annualized are based on historical transaction structures and do not constitute a guarantee. Past performance does not guarantee future results. All capital partnerships are subject to deal-specific underwriting and formal legal documentation. This does not constitute an offer or solicitation of any kind.

Daniel Tosan
@tosancapital
Daniel Tosan
Founder — Haeylo Capital Ventures

Daniel Tosan is the Founder of Haeylo Capital Ventures (Haeylo LLC), a real estate professional focused on acquiring undervalued residential properties and creating owner-financed exit strategies that generate consistent passive income. His experience spans off-market acquisitions, motivated seller negotiations, and underwriting support on large multifamily projects through his ongoing work with Shapiro Capital and Avid Realty Partners. With academic training in Economics and Computer Science from the University of Birmingham, Daniel brings a disciplined, analytical approach to deal evaluation and capital protection.

Owner Finance Off-Market Acquisitions Shapiro Capital Avid Realty Partners Econ + CS — Birmingham

Interested in
learning more?

If our approach resonates with you we would welcome a conversation. Book a 20-minute video call to learn how Haeylo structures its capital partnerships and whether it might be a fit for your goals.

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This page is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any security or investment interest. Nothing on this page should be construed as investment advice. Real estate investments involve risk including the possible loss of principal. All prospective capital partners are encouraged to conduct independent due diligence and consult with qualified legal, financial, and tax advisors before making any decision. Haeylo LLC · Wyoming.