Own a Problem Property? Let’s Flip That Stress Into Passive Income.

I’m Rafael Carrasquillo—part problem-solver, part real estate rebel. I help folks tired of chasing rent and fixing toilets turn their headaches into hands-off income with smart, seller-financed deals.

At HomeSold Financing, we help you keep the profit and peace of mind—without the landlord life.

Rafael Carrasquillo Pro Headshot Pic

Why HomeSold Financing Works When Traditional Selling Doesn’t

Most real estate services weren’t built for folks like you—landlords who are done managing drama, tired of losing money, and ready for a smarter way out. We created HomeSold specifically to help property owners tap into the power of seller financing… without needing a law degree or a crash course in contracts.

Seller-Financing, Simplified and Done Right

We don’t just dabble in seller financing—we’ve structured deals for every scenario you can imagine. You’ll get clear guidance, legally sound templates, and expert support from day one.
No jargon. No confusion. Just a clean, safe path to profit.

Custom Terms. Real Flexibility. Your Goals.

Every property and every seller is different. That’s why we don’t force you into a box. We work with you to build custom terms—down payment, monthly income, interest, exit strategy—that align with your personal goals and timeline. This is your deal, your way.

We Handle the Mess. You Get the Win.

You don’t have to figure this out alone. We coordinate everything. From screening buyers to managing docs to getting it closed—we take care of the heavy lifting. You stay in control, stay informed, and stay out of the chaos. All you have to do is show up, sign, and start earning.

Meet Rafael — The Real Estate Pro Who's Walked the Walk

With 17+ years in the real estate trenches, I’ve done it all—brokered deals, flipped homes, solved complex transactions, and even ran a mortgage note fund. I don’t just talk about creative financing. I’ve lived it.

Today, I help stressed property owners exit with confidence and cash flow—using real-world seller financing strategies that actually work.

Multi Million Dollar Producer 2017_RafaelC
Certified License History
  • License Number: SA577669000
  • License Status: Active
  • Original Date: 2/13/2007
  • Expiration Date: 2/28/2027

Education & Credentials That Back It All Up

  • Licensed Real Estate Pro since 2007 (17+ years and still standing)
  • Multi-million dollar producer + President’s Circle winner at West USA Realty (2017 & 2021)
  • 772+ hours (& counting) of continuing education in advanced real estate strategies & creative deal structuring
  • Certified Credit Counselor with Take Charge America & Debt Free
  • Ongoing professional development through top-tier industry leaders

Hands-On Investment Experience (Not Just Theory)

  • Brokered over 122 traditional real estate deals—millions in closed volume*
  • Closed 75+ wholesale transactions, solving problems most people walk away from
  • Managed 45+ profitable fix-and-flips (yep, even new construction), increasing property values & maximizing returns
  • Extensive experience evaluating, acquiring, repositioning, and reselling investment properties across various market cycles

Seller Financing Isn’t Just What I Teach—It’s What I Do

  • Extensive practical experience structuring seller financing + lease-option deals on my own properties (yes, with my own money)
  • Managed a private mortgage note investment fund focused on acquiring, managing, and optimizing mortgage notes for long-term passive income
  • Trained + certified by trusted groups like Seller Finance Coalition, NoteSchool, Housing Heroes, Note Launchpad, AZREIA, and National REIA
  • Created and sold multiple high-yield seller-financed notes, generating reliable monthly income

Trusted by Homeowners & Industry Leaders Alike

Whether I’m guiding a stressed-out landlord or speaking at a real estate investor event, trust is everything. That’s why I back every strategy with real results—and why homeowners, industry peers, and respected associations continue to vouch for HomeSold and the work we do.

RealtorCom Logo
NAR Logo
ARMLS Logo
Fortune Builders Logo
AZREIA Logo
National REIA Logo
AAR Logo
WUSA Realty Logo
WeServ Logo
Housing Hero Logo
NoteSchool Logo
Seller Finance Coalition Logo
SEVRAR Logo
RPR Logo
Realtor-MLS-Equal Housing Logo
CTU Logo
Residential RE Council Logo
Maricopa County Logo

I’ve worked with Rafael on numerous real estate investment transactions since 2003. He consistently follows through on every deal, from beginning to end, demonstrating expertise in the real estate investment field. I would highly recommend Rafael to anyone looking for a reliable, knowledgeable partner in real estate.

Marcus Cisney

Investor Partner

I’ve partnered with Rafael on multiple real estate investment projects, and he is a true professional. He’s knowledgeable, resourceful, and always works hard to ensure success, whether dealing with non-performing assets, REOs, or distressed properties. Rafael’s dedication and expertise make him an invaluable asset in high-yield real estate investments.

Melvin Rowland

Investor Partner

We wanted to sell as-is and quickly but weren’t sure if it was possible with a tenant in place. Rafael’s team assured us they had experience buying properties with tenants and offered a price we liked. They closed fast, paid cash, and covered all costs. It was a stress-free process, and we’re thankful for their professionalism. 

John & Kathy Werzynski

Stressed Landlord

Featured Articles & Guides


Lorem ipsum dolor sit amet, consectetur adipiscing elit. Duis mollis et sem sed sollicitudin. Donec non odio neque. Aliquam hendrerit sollicitudin purus,

Read More

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Duis mollis et sem sed sollicitudin. Donec non odio neque. Aliquam hendrerit sollicitudin purus,

Read More

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Duis mollis et sem sed sollicitudin. Donec non odio neque. Aliquam hendrerit sollicitudin purus,

Read More

My Real Estate Journey: From Burnout to Breakthrough

Real estate isn’t just what I do—it’s what almost broke me. And it’s what rebuilt me into someone obsessed with helping property owners escape the same stress that nearly wrecked me. This is my story. The real version. The late nights, the pivots, the wins, the losses—and how I discovered the strategy that finally made real estate make sense.

The Early Days: Chasing Deals, Learning Lessons (The Hard Way)

I started out just like most dreamers in real estate—full of ambition, hope, and high expectations. I thought wholesaling and flipping were the fast track to wealth.
So I went all in.

I chased leads. Closed deals. Managed messy renovations. Worked 12-hour days. Learned on the fly. And yeah—sometimes I made great money. Other times, I lost my shirt.

There were wins I’m proud of.
And lessons that hurt like hell.

But nothing hit harder than 2008.

When the crash came, it was a tidal wave. I was financially wiped out, emotionally burned out, and deeply unsure if I could keep doing this.
I questioned everything: my future, my skills, my sanity.

But I couldn’t walk away—not yet.

Rocio Testimonial Pic

Rebuilding Through Hustle: Wholesaling, Flipping, and Creative Survival

I regrouped. Relearned. Reinvented.


I started wholesaling again, then moved into fix-and-flip projects. I brokered over 122 traditional real estate deals. Renovated dozens of distressed properties. Took on new construction. Every deal was a challenge. Every market shift forced me to level up.

I learned how to spot hidden value. How to solve ugly problems. How to negotiate under pressure. I got sharper, tougher, and more creative than ever.

But I still felt the pressure.
Traditional real estate was working… but the stress was relentless.
The income wasn’t predictable. The chaos never stopped.

Something had to give.

Pierson St Mortgage Note REO
3837-W-Wethersfield-Rd_Wholesale-Assignment-Flip_4-scaled
Front Main_8536 E Ocaso Ave

The Turning Point: Discovering Seller Financing & Mortgage Notes

After the 2008 crash, I started noticing something different.
While most investors were still flipping, some were quietly winning behind the scenes—buying and holding mortgage notes. That discovery changed everything for me.

MorganSTanley_Mt-TAI-Purchase

*Click to open bigger image

I dove deep into seller financing and note investing. I bought, managed, and optimized performing notes. I saw what was possible when you own the paper—not just the property. I structured creative seller-financed deals on my own flips. Eventually, I launched a specialized Mortgage Note Investment Fund, sourcing, buying, and managing note portfolios across multiple markets.

It worked. In one portfolio, we earned a 112% ROI—without tenants, repairs, or market drama.

It wasn’t just profitable.
It was peaceful.

And I realized: this is what most property owners are missing.

Why I Created HomeSold Financing: A Better Exit for Everyday Property Owners

The more I worked with sellers, the more I saw the same pain I’d lived through:

  • Burned-out landlords juggling repairs and rent drama
  • Vacant properties eating up equity
  • Sellers unsure how to exit without losing money or control

I knew there was a better way.

That’s why I created HomeSold Financing—a platform designed to help everyday property owners escape the grind, get paid, and build peace-of-mind income through smart seller financing.

Here, we teach you how to:

  • Sell your property fast
  • Create secure monthly income
  • Eliminate repairs, agents, and banks
  • Turn stress into stability—on your terms

You get expert support, real results, and a strategy that actually works in today’s market.

Rafael and Lucia Celebrating

This Isn’t Just About Selling Property—It’s About Changing Lives

I’m on a mission to help thousands of property owners unlock the financial freedom they’ve been chasing.

Whether it’s through seller financing, note creation, or just a clean exit from a stressful rental…
My goal is to give you clarity, confidence, and a real plan.

Because you shouldn’t have to bleed equity, battle tenants, or beg banks to get what your property’s worth.

You should be in control.
You should feel peace when the deal is done.
And you should know someone has your back.


That’s what HomeSold Financing stands for.
And that’s why I do this.

If any part of that hit home — if you’re done bleeding equity, chasing tenants, or wondering if there’s a smarter way to sell — let’s talk.

I offer a Free Seller Strategy Session designed to help you explore real, creative options without pressure or gimmicks.

No pitch. No fluff. Just a one-on-one conversation about where you are, what’s holding you back, and how we might move you forward.

Ready to take the next step?

Our Code — What We Live By (No Suits, No Spin)

If you want the polished corporate answer, go somewhere else. These are the values we live and breathe—because when it’s your house, your money, and your future on the line, talk is cheap.

Radical Honesty

We don’t sugarcoat. If a deal doesn’t make sense, we’ll say it. If there’s a better way, we’ll show you. You get truth, straight up—because that’s how trust is built.

Focused Hustle

We don’t run in circles. We move with purpose. Disciplined, strategic action is our thing. That’s how we cut through the chaos and get you real results.

Unshakable Positivity

We stay grounded and optimistic—no matter how messy things get. Positivity keeps us focused on solutions, even when the world’s trying to throw bricks.

Family-Level Support

We treat our people like blood. We’ve helped clients navigate stress, fear, and financial messes—and we do it with the care of someone who actually gives a damn.

Relentless Drive

We don’t fold. We fight for the win. When a seller’s situation looks like a dead end, we treat it like a puzzle—and we don’t stop until it’s solved.

Fierce Protection

Once you’re in, you’re family. And nobody messes with our people. We guard your deal, your outcome, and your peace of mind like it’s our own.

The Real People Behind the Platform

This business wasn’t born in a boardroom. It was built from hard-earned experience, family sacrifice, and a refusal to let financial stress be the end of our story.

We’re Rafael and Lucia—and we created HomeSold Financing to help property owners find the path we wish someone had shown us years ago.

Rafael-C-Profile-Pic

Rafael Carrasquillo | CEO

Visionary, Fighter, and Finance Nerd in Disguise. After 17+ years in the real estate game, Rafael knows what it’s like to win big—and lose even bigger.

He’s built back from the 2008 crash, survived tenant nightmares, and discovered the life-changing power of seller financing and note investing.

Now? He helps others make smarter exits, create passive income, and build real peace of mind.

No fluff. Just strategy, grit, and results.

Lucia D Profile Pic

Lucia Delcid | COO

Steady Hand. Sharp Eye. Giant Heart. Lucia is the silent powerhouse behind HomeSold. She’s led operations through messy deals, tight deadlines, and unexpected curveballs—and always kept it calm.

She’s the one who makes sure every 'I' is dotted, every doc is right, and every seller feels safe from start to finish.

Together, they’ve helped dozens of homeowners escape financial stress and step into a whole new season of peace and control.

 

Simple. clear. built for you.

Ready to Turn Stress Into Steady Income?

Seller financing isn’t some secret for investors in suits.
It’s for people like you—ready to sell smart, skip the stress, and finally breathe again.

Let’s turn that rental headache into hands-off income.

Compare listings

Compare