SDK Financial’s History and Who We Are Today

SDK started in 1991 and has been in business for 30+ years. SDK is a private real estate investment company that offers its single family homes for sale, for rent and has flexible home buying programs available for those interested in owning their own home through our one of a kind lease with option to purchase (rent to own) programs. Our flexible programs can allow you to purchase a nice remodeled home or a discounted home in need of some fix up even when you can’t presently qualify for conventional or government mortgage programs. Check out our available homes and you could be in your home within a few days with our flexible qualifying.

SDK also buys homes and can provide quick and fair solutions to your need to sell and to sell your home fast. We offer fast, cash closings and we handle all the paperwork through a reputable title and closing company; plus, we handle all the coordination with those professionals so you can relax and just show up to closing a few days later. Contact us today for a free quote to see what you could sell your home for. Then relax and let us put your mind at ease while we handle all the details to make your home sale a stress free and pleasant experience.

The SDK Team

Why is SDK Financial the Best in Northern Indiana?

About Us

30+ years in business in the local South Bend, Mishawaka, Osceola, Granger, Elkhart and Goshen areas. We do business the right way. We are honest, dependable, reasonable people that believe in doing business with integrity and in a fair and respectful way where we can offer second chances to all. We believe in working with, not against, anyone who is serious and sincere about buying or renting a good home with fair terms. Try us for your home buying or renting needs even if you’ve had problems in your past.

Our unique Lease with Option to Buy (Rent to Own) program could be a great opportunity to help you become a buyer and get out of the rent trap. We offer generous rent credits for on time payments while one is on the Lease/Option program and you can accumulate a good amount of purchase credits toward your ultimate purchase of a home on our program. Many people wonder and ask how hard it is to qualify for one of our homes. Qualifying is not difficult. Below is the basic criteria to qualify to Lease/Purchase one of our homes.

Qualifying - How Does it Work?

Our typical criteria to qualify someone on our homes is that a completed application and income documentation are required to verify that one’s debts as a percentage of income are in line with standard parameters. We pull credit and do a background check but all we require is that the credit is repairable so one can obtain a mortgage in the next 3 -7 years to complete their purchase.

We help by giving advice on that or ask that you work with a reputable credit company or mortgage company to help with that. We look closely at any (if any) prior landlord issues like evictions or leaving owing money to a previous landlord. We often ask for written explanations for negative credit to tell your side of the story and may ask for documentation to back that up since that is often what is required to repair one’s credit anyway, or we ask you to explain if there were extenuating circumstances that caused any derogatory credit issues.

We look to see if one has shown a trend toward trying to and then starting to get back on track after difficult circumstances. In other words, we don’t use strict scoring systems, we listen to the story behind the story and look for ways to say yes not no; yet at the same time we would never want to take someone’s hard earned money if we know they have no chance of affording the home monthly, eventually buying and qualifying for a mortgage. That would be very unfair and we could never do that in good conscience.