Contract For Deed LLC

Self-employed in MN or WI and a bank said no to your mortgage? I'm Mike Arvold — co-founder of Contract for Deed LLC. And I want to talk to you directly. 💼

I've spent years working in real estate and alternative financing here in Minnesota and Wisconsin. And one situation I see more than almost any other is a self-employed buyer — someone who has built something real, earns real income, has a real down payment — getting turned down by a traditional lender.

Not because they can't afford the home.
Not because they aren't ready to own.
Because the bank sees their tax return.

Not their full picture. Just the tax return.

HERE'S WHY THAT HAPPENS

Traditional mortgage underwriting was built around W-2 income — a steady paycheck from a single employer, documented over two years. If you're self-employed — as a business owner, contractor, consultant, freelancer, or any other independent worker here in MN or WI — your income doesn't fit that model.

Here's the part that frustrates me most: if you've written off legitimate business expenses — which is exactly what a smart business owner should do — your taxable income on paper looks lower than what you actually earn. The bank punishes you for doing exactly what you're supposed to do.

That's not a character flaw. That's a system problem.

WHY I CO-FOUNDED CONTRACT FOR DEED LLC

Eric Hermanson and I built Contract for Deed LLC here in Minnesota and Wisconsin because we kept seeing capable, motivated buyers being failed by a system that wasn't designed for the way they work.

We don't underwrite based on a tax return. We look at your full picture — your actual income, your stability, your down payment, and your genuine readiness to own a home in MN or WI.

For some self-employed buyers, Contract for Deed (MN) or Land Contract (WI) may provide a path forward that traditional lenders simply can't offer:

✅ No W-2 requirement — I look at real income, not just what's on paper
✅ No rigid two-year business history required
✅ Every situation explored individually
✅ Fast closings — often 10–14 days when you're ready
✅ No judgment — just an honest conversation about what's possible

The bank sees your tax return.
I want to see your full picture.

If that's what you've been looking for — call me.

📞 (763) 639-9171
🌐 contractfordeedllc.com
📧 [email protected]
📍 Serving all of Minnesota & Wisconsin

FOR REALTORS — if you have a self-employed client who's been denied, give me a call before you walk away. Your commission doesn't change. I may be able to close what the bank couldn't.

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One of the most common questions we get: "Do we have to buy from Contract for Deed LLC's inventory?" The answer is no — and it changes everything. 🏡

We're Mike Arvold and Eric Hermanson, co-founders of Contract for Deed LLC — and we want to clear up one of the most common misconceptions buyers and Realtors have about how we work.

You do not have to buy from Contract for Deed LLC's inventory.

Let us say that again — because it genuinely surprises people every single time:

You can buy any home on the market in Minnesota or Wisconsin.

Any home listed with any Realtor. Any neighborhood. Any price point that works for your situation. You are not limited to a pre-selected list of properties that Contract for Deed LLC happens to own.

HERE'S HOW IT ACTUALLY WORKS

When you work with Contract for Deed LLC, here's what the process looks like:

1️⃣ You find the home you want — anywhere on the market in MN or WI, working with any Realtor you choose
2️⃣ You apply with Contract for Deed LLC — we review your full financial picture and explore every option available
3️⃣ If we can move forward — Contract for Deed LLC purchases that specific property
4️⃣ We immediately sell it back to you on a Contract for Deed (MN) or Land Contract (WI)
5️⃣ You move in — to the home YOU found, in the neighborhood YOU chose

The home you buy is the home you found. We provide the financing. You make the choice.

WHY THIS MISCONCEPTION IS SO COMMON

A lot of people associate "contract for deed" with companies that own a specific portfolio of properties and require buyers to select from a limited list. That's a completely different product — and it's not how Contract for Deed LLC operates.

We are not a property portfolio company. We are a financing company.

Our role is to try to help you get into the home you want — not to steer you toward properties we happen to own.

FOR REALTORS IN MN AND WI

Your role doesn't change. You find the home. You work the deal. You get paid your full commission. We provide the financing that makes the transaction possible.

Your buyer gets to buy the home they actually want — with you as their agent.

We can't promise we'll be able to move forward with every situation. But we'll always pick up the phone and look at the full picture.

Any home. Any neighborhood. Any Realtor. We handle the financing. 🔑

📞 (763) 639-9171
🌐 contractfordeedllc.com
📧 [email protected]
📍 Serving all of Minnesota & Wisconsin

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