Who We Are
About Rosso Capital Partners
A Michigan operation that turns discounted houses into performing mortgage notes — and rents into homeownership.
From the Founder
I started buying houses in Michigan with my own money — cash purchases in Flint and Saginaw, cities where solid homes sell for less than a new car.
The first thing I learned is that these neighborhoods aren't short on good families — they're short on financing. Banks don't write $60,000 mortgages. So families who could easily afford a payment rent forever, and houses that deserve owners cycle through landlords.
Owner financing fixes both sides. I sell the home on a contract for deed: the family puts money down, makes a monthly payment they can afford, and ends up owning the house. I end up holding a performing note instead of a rental. And the lending partners who fund the purchases hold a recorded lien and collect fixed interest every month.
No part of this business requires a market to go up. It requires buying right, papering everything, and treating the families in our homes — and the lenders behind them — like the long-term partners they are.
— Fremy
Figures as of 2026.
How We Operate
Four rules we don't break.
- 01
Cash only, deep discounts
Every purchase is cash, below market value, in neighborhoods we walk ourselves. If a deal only works with appreciation or optimism, it doesn't work.
- 02
Owner-occupants, not tenants
We sell to families who choose the home, put real money down, and carry the pride of ownership. Down payments are earnest — a family with skin in the game protects the asset better than any property manager.
- 03
Every deal stands alone
No pooling, no blind funds. A lender funds a specific house at a specific address, with a lien recorded against that house. You can drive past your collateral.
- 04
Paper everything
Promissory Note, recorded Deed of Trust, lender insurance, closing statements. If it isn't in writing and recorded where the public can see it, it doesn't count.
What we are
- Buyers of Michigan homes with our own cash
- Creators of owner-financed notes
- Direct borrowers — you lend to us, secured by the property
- A small operation where you talk to the person who signs
What we aren't
- A fund — we never pool investor money
- A syndication selling securities
- Flippers betting on appreciation
- Landlords collecting rents
Don't Take Our Word
Everything we claim can be checked.
Public records
Every deed and lien we describe is recorded with the county Register of Deeds — Genesee County for Flint, Saginaw County for Saginaw. Look up any property on our portfolio page by address. We'll tell you exactly where to search.
The document package
Before funding anything, you receive the complete paper trail: purchase closing statement, contract for deed, note, deed of trust, and insurance. Bring your own attorney — we prefer lenders who do.
Talk to our lenders
Ask us to connect you with a current lending partner. Hearing how payments actually arrive, month after month, beats anything we could write here.
Visit the houses
The portfolio isn't a spreadsheet — it's real doors and real porches. If you're in Michigan, we'll drive you past every property we've done.
A note on risk
Real estate lending carries risk — borrowers can default, properties can lose value, and past performance doesn't guarantee anything. We structure every deal so the collateral protects your principal even in bad scenarios, but we'd rather you invest with clear eyes than rosy ones. Read the documents. Ask the hard questions.