Buy an Assisted Living or Senior Care Facility with Financing That Works for You
We Don’t Force You Into a Box — We Build the Box Around You
If you’re ready to purchase an assisted living facility, group home, or memory care residence, you’ve probably already discovered what traditional lenders don’t understand:
Senior care real estate doesn’t play by cookie-cutter rules — and neither should your financing.
At Creative Real Estate Loans, we’re not a bank. We’re private mortgage bankers who specialize in tailor-made financing solutions for care home buyers like you. Whether you’re an experienced operator expanding your portfolio or a passionate newcomer ready to make your mark, we create a path based on your unique strengths — not your limitations.
What Makes Us Different
Most lenders will ask you to fit into a pre-set program. If you don’t meet their mold? It’s a dead end.
We do the opposite.
We start with your goals, your property, and your capabilities, then engineer a financing solution that works — even if you’ve been turned down elsewhere.
Our deals often use a mix of:
Property equity
Existing or projected income
Strategic seller cooperation
Bridge lending and creative structures
Because we work with private capital, portfolio lenders, and specialized partners, we have more flexibility than traditional banks — and we use it to get deals done.
Ideal Buyers We Help:
First-time or experienced operators
Buyers with limited liquidity but strong operational plans
Partnerships or family-run businesses
Investors converting homes into care facilities
Out-of-state buyers looking to break into the Arizona senior housing market
If the numbers make sense, we’re interested.
Creative Structures That Make Closings Happen
Every deal is unique — but here are some examples of how we’ve helped buyers secure their facility:
Income-Based Approval: Instead of chasing tax returns or perfect credit, we structured a deal based on projected net operating income (NOI).
Seller Participation: We helped negotiate partial seller carryback, reducing down payment needs without slowing the close.
Asset-Backed Lending: A buyer secured financing using the property’s existing equity, even though they were light on personal cash.
Speed-to-Close Bridge: One investor needed to close in under 3 weeks — we brought in a flexible bridge lender to make it happen, with permanent financing lined up afterward.
Why Buyers Choose Us:
You Speak Directly to Decision Makers
No corporate red tape. No junior reps. Just real people who know this niche.
We Understand the Business Side of Care
We don’t just see a building — we see census, staffing ratios, licensing timelines, and family impact.
Deals That Close, Not Just Quotes That Look Pretty
We’re obsessed with execution. If we say it can close, it will.
Let’s Build a Deal Around Your Reality
You’ve found the right opportunity. Don’t let outdated lending rules stand in the way.
Let us build a deal that reflects:
Your operational vision
Your strengths
The value of the property itself
This is where creativity becomes capital.
View Care Home Listings
“We had an amazing opportunity to buy a group home in Phoenix but couldn’t get a traditional bank to take us seriously. These guys saw the potential, structured a plan, and we were funded in weeks. Highly recommend.”— T. Reynolds, AZ Buyer/Operator