“Improve the lives of others through professional real estate services”

WHo is SUTTON SYSTEMS?

Sutton Systems is a veteran-owned and operated real estate investment firm founded by Justin and Annika Sutton, specializing in Creative Finance—a strategy that allows us to buy, sell, and hold properties without traditional bank financing. Our real estate journey began in 2018 in Eastern NC, where we focused on flipping, wholesaling, and project management. Over the years, we’ve found our home in creative finance buy and holds but in addition to our portfolio acquisitions, we own a transactional lending firm that helps wholesalers and investors close their deals without hassle. We take pride in growing our investment firm into an operation handling over 100+ real estate transactions per year.

Why Creative Finance?

Creative finance allows us to acquire turnkey single-family homes in appreciating markets without the constraints of banks, credit checks, or debt-to-income limitations. Instead, we take over existing mortgages with fixed interest rates (typically between 2.5–4.5%) locked in for 25+ years or create new debt through owner-financing agreements with our clients.

This approach provides:

• Consistent monthly cash flow

• Long-term appreciation potential

• Significant tax advantages

• Debt service covered by tenants

Our creative finance deals consistently generate 20%+ ROIs, with many exceeding 30%, but none of these opportunities exist without strong partnerships with our private money partners.

How We Work With Investors

We exclusively partner with high-net-worth individuals looking to invest in real estate without the challenges of direct ownership and management.

We offer two structured partnership models:

1. Short-term lending with the option to convert into a long-term partnership.

2. 50/50 joint ownership partnerships for long-term asset growth.

Our expertise in structuring and managing creative finance deals allows our partners to maximize returns while minimizing risk. At Sutton Systems, our mission is simple:
Improve the lives of others through professional real estate services.

If you're interested in learning more about how we structure these deals, we’d love to connect.