Real Estate & Business Deal Strategies, Structure, and Solutions
How I help
- Investor — I buy investment real estate and put my own capital into select deals when structure, operator, and exit line up — not only brokerage placement.
- Hard Money & Bridge Capital — Short-term capital for real estate investors when speed and flexibility matter.
- Buying & Selling Businesses — Brokerage and guidance through diligence to closing.
- Mortgages & refinances — Primary homes, second homes, and rental properties.
- Buying & Selling Real Estate — Investors, owners, and strategic holds.
- Strategy & Deal Structure — Terms, risk, and exit aligned before you sign.
45+ five-star reviews
on Google
What to send me
Property, business, or refi — you don't need a polished package. A short text with rough numbers is enough to start.
- Property address / type of business / refi goal
- Purchase price or asking price
- Estimated value, ARV, or income (best guess is fine)
- Constraints: timeline, capital, partner situation
If you're unsure on any of it, send what you have — we'll fill in the gaps together.
How I help you move deals forward
From buying or selling a business or property to a refi, hard money, or bridge capital — I help you see the full picture, then stay beside you through licensed brokerage and lending when you're ready to move.
If we work together, you're working with me — not a menu of anonymous desks. Here's what that tends to look like.
- Break down deals quickly — what matters, what doesn’t, and what’s missing.
- Structure to reduce risk before you chase upside.
- Match the right funding to the situation and the exit (not just the lowest rate).
- Help you avoid the mistakes that kill deals after the excitement fades.
- When it’s time to execute, I stay in it with you — same person on the thread for questions, documents, and lender or title back-and-forth through closing.
How I work with inbound deals
I review the situation on its merits — underwriting, structure, and whether the exit is realistic. If the path is weak, I will explain the gaps. If it is workable, we outline capital, timeline, and next documents.
There is no scripted sales sequence. If we are not a fit, you will get a concise answer. If we proceed, next steps are spelled out in writing where it helps.
I usually respond the same day when you text during business hours.
My Strategies
Real estate plays, financing that supports them, and business buy/sell — how I think about when a play works, when it doesn't, and how to structure it.
Real estate
Fix & flip
Distressed buy, rehab, sell — validate margin, timeline, and short-term capital.
Rental / buy & hold
Cash flow and long-term hold — underwriting that matches real rents and real expenses.
BRRRR
Two-phase capital: get in, stabilize, refi with a plan for the handoff.
Creative finance
When banks won’t play — seller terms, wraps, and other tools used with eyes open.
Bridge & timing
Short windows between where you are and the next loan or sale.
Joint ventures
Partner on deals, equity splits, and aligned exits — structure before you commit.
Financing & capital
Hard money
Investor-focused short-term leverage when speed and collateral rule the day.
Mortgages & refinances
Long-term loans and refis for homes you live in or hold — matched to the plan.
Private & relationship capital
When the right answer is a private structure — not a retail rate sheet.
Joint ventures
Pool capital, roles, and upside with clear terms — often alongside private or bridge capital.
Business
Business acquisition
Buy cash flow and operations — structure, diligence, and realistic debt.
Selling a business
Preparation, buyers, and terms that still work after closing.
Growing a business
Capital and structure for expansion without breaking what already works.
Joint ventures
When the opportunity spans people or assets — align structure before you commit.
Deal scenarios
Illustrative — every deal is different. The point is how the thinking works, not copying numbers.
Situation
Distressed buy around $180K, ARV near $280K, roughly $50K rehab.
Challenge
Tight margin and a lender who could move in days, not months.
How I think about it
We stress-tested ARV and holding costs, matched short-term capital to the timeline, and kept the structure simple so execution didn’t fall apart mid-rehab.
Situation
Duplex: renovate, rent, then refi to pull capital back out.
Challenge
Unclear how much to put in up front and what rents needed to support the refi.
How I think about it
Mapped the full cycle — bridge or hard money in, stabilized rents, then long-term refi on real numbers so the second loan actually clears the first.
Situation
Service business ~$400K revenue, seller open around $300K.
Challenge
No clear path on structure or whether seller financing was realistic.
How I think about it
Reviewed financials, aligned price with cash flow, structured a down payment + seller note that both sides could live with after closing.
How I think about deals
No guru formulas — just principles that hold up when real money is on the line.
Simple deals close faster
Every extra moving part is a chance for something to break. I look for the cleanest path that still protects you.
Funding should match the exit
Your loan or capital stack should make sense for how you actually get paid back — sale, refi, or cash flow.
Risk matters more than upside
Big returns don’t help if one bad scenario wipes you out. Downside first.
Speed and clarity beat over-analysis
Good enough today often beats perfect next month. I help you decide and move.
What happens when you reach out
Send the basics; I reply with structure, numbers, and next steps — or a clear pass with reasons.
You send your deal or situation
Text with the basics: what it is, the numbers you have, and what you are trying to figure out.
We pressure-test it
Does the math work? What is the realistic exit? Where could it break? We get specific.
You get clear options
Concrete options — structure, capital sources, or pausing the deal — in plain language.
You decide what is next
If it makes sense to move, we line up execution. If not, you leave with a specific explanation of why.
Ryan Davies
Deal Strategist | Capital Partner | Investor
About Me
I'm an active real estate and business investor and a Utah-licensed broker in all three lanes — real estate, mortgages, and business sales — so help doesn't stop at theory.
Over 15 years, that's been everything from single-family rehabs to multi-unit deals and business acquisitions — with hard money, refis, banks, private capital, and creative terms in the mix. I've seen what breaks when the math was never solid, and what holds when the structure matches the exit.
When the numbers or structure do not support a deal, I will spell out why. When they do, we map execution — capital, timeline, and parties — so you can move with confidence.
When we work together, you're talking to the same person who reads your file and follows it through — not a rotating queue. I stay in the loop on calls, numbers, and next steps so it feels like one steady relationship.
“Simple, realistic deals close. Everything else is noise.”
Financing & solutions
Hard money, refis, business brokerage, and structure — the right tools when the deal calls for them, not a random product menu.
Short-term & bridge capital
When speed or asset condition doesn’t fit the bank — hard money, bridge, and private options.
Learn moreMortgages, refis & long-term loans
Primary homes, rentals, stabilized holds, and refis after rehab — matched to the exit.
Learn moreBuying or selling a business
Valuation, terms, and execution — not a pitch deck, a path to closing.
Learn moreStrategy & deal structure
When you need a second brain before you commit — or when the deal needs a reset.
Learn moreHow I Work
I typically get paid when deals move forward—through funding, transactions, or other pieces of the process that already need to happen for the deal to close.
In many cases, that compensation sits inside the same flows you'd already be going through—just structured so the path makes more sense and less gets left on the table.
My job is to help you find the right structure and move the deal forward—not to stack extra layers on top for their own sake.
If something ever sits outside that flow and involves a direct fee, I'll explain it clearly up front, before anything moves forward.
No pressure — just send your deal and I'll take a look.
What people say
Selected Google reviews from clients in real estate, lending, and business work.
45+ five-star reviews
on Google
“Two things reign supreme with Ryan. Firstly, he gets the job done... I honestly don't know how he does it, but he's helped several of my clients get their loan approved when nobody else could. Secondly, Ryan is the king of follow-up... and he does it in a soft, yet bold way without being obnoxious like so many others.”
Gary Norris
Google review
“Ryan is tops at helping people with Real Estate needs from buying and selling to mortgage help and R/E investing! He really cares about people and getting them the very best deals!!!”
Dwight Christie
Google review
“Ryan is great! He's smart, knows his stuff, and works hard to make sure everything is done correctly and goes as smoothly as possible! These industries and market are tough—so you definitely want someone who has knowledge, experience, and integrity!”
Marie Fisher
Google review
“Ryan with Creative Housing Solutions has worked with us on a few different occasions on both real estate transactions and financing. He's very professional and has gone out of his way to answer any questions we have had along the way, and helped us with the best solutions. Highly recommend.”
Candace Bascom
Google review
“Working with Ryan as an agent and lender have been a great experience. Ryan is knowledgeable in both fields and will walk you through the entire process. He is patient, professional, and trustworthy, with a great personality.”
Julie Law
Google review
“I have been nothing but happy with Creative Housing. They helped grow my knowledge with investing in Real-Estate and things to avoid. I was able to do a one stop option for my housing needs and questions. I would recommend them every time.”
Ryan Bigler
Google review
“You can't do any better than refi Ryan so we would highly recommend him; we used him both times we've refinanced and we plan on going with him and his team again next time around for all our real estate needs. Thanks Ryan you're the best!!!!”
Steve and Judy Burnett
Google review
Tell me what you're working on
Property, business, refi, or an unusual structure — text is usually fastest. Voice or email work when you need more room to explain.
Text or call: 801-205-1635