Wholesale → Creative Finance → Buy-and-Hold

Your first deal in 30 days.
Your first $10K in 90.

No Money No credit. No license. No experience needed.

The MacIntosh Method is the three-stage ladder that takes you from your first wholesale assignment to creative-finance acquisitions to a buy-and-hold portfolio — without ever needing a bank's permission. 632 transactions. $186M in volume. A team doing 300+ deals a year. This is the method behind all of it.

THE LADDER · 3 STAGES PROGRESSION
I
Wholesale
Stage I · 30–90 Days
$5K–$25Kper assignment
II
Creative Finance
Stage II · Months 3–12
Acquireno bank needed
III
Buy & Hold
Stage III · Year 2+
Compoundcash flow + equity
$0 to nine figures. One ladder. One method.
632 Transactions Closed
$186M in Volume
300+ Deals a Year
20+ Person Team Built
$0 Down · No Credit
632 Transactions Closed
$186M in Volume
300+ Deals a Year
20+ Person Team Built
$0 Down · No Credit
The Operator

I started broke.
So I know the way out.

— Blaine MacIntosh
Founder · The MacIntosh Method

I did not start with capital. I started with a phone, a list, and a willingness to make the calls everyone else was too soft to make.

My first deal was a wholesale assignment — no money out of my pocket, no bank involved, no permission asked. I locked it up under contract, found the buyer, and walked away with a check that paid more than most people's mortgage payment. That deal changed how I saw money forever.

From there, I didn't stop. I ran the same play again. And again. Then I taught the play to someone else, and they ran it. Then I hired a closer. Then another. Then a dispositions lead. Over the next few years, what started as me on a phone in my living room became a 20+ person team closing 300+ deals a year — running the same wholesale-to-creative-finance ladder I'm teaching you here.

The numbers today: 632 transactions closed. $186 million in volume. Not a portfolio I'm renting out — a machine I built, one deal, one rep, one hire at a time. That's not a flex. That's the proof that the method works at scale — not just for me, but for a whole team of people I trained from zero.

Most people teaching wholesaling have done two deals and a podcast. The method I'm teaching you was forged in 632 of them. If it can build a team doing 300 deals a year, it can get you your first one.

The Three-Stage Ladder

From zero
to portfolio.

Most real estate "courses" teach one move and leave you stuck. The MacIntosh Method is the full ladder — each stage funds the next, each stage builds the muscle for the next. Climb it in order and you don't get stuck.

I
$0 IN · 30 DAYS

Wholesale

Days 1 — 90

Lock up motivated-seller deals under contract. Assign them to cash buyers for an assignment fee. No money down, no credit pulled, no license required. This is your on-ramp.

  • Motivated Seller Lists
  • Cold Calling & Direct Mail
  • Contract & Assignment Forms
  • Cash Buyer Network Build
  • MAO Underwriting
  • Negotiation Scripts
Realistic Outcome First deal in 30 days. $10K+ in 90 days.
II
START OWNING · NO BANK

Creative
Finance

Months 3 — 12

Stop assigning and start acquiring. Subject-to, seller carry, lease options, novation, wraps. Take title without qualifying. Use the seller's existing financing or terms. This is where you start building real wealth.

  • Subject-To Acquisitions
  • Seller Carry Structures
  • Lease Options & Wraps
  • Novation Agreements
  • Title & Insurance Mechanics
  • Exit Strategies (Sell, Rent, Flip)
Realistic Outcome First creative deal owned. Equity + cash flow.
III
COMPOUND THE WIN

Buy & Hold

Year 2 +

Use the capital, credit, and confidence you built in Stages I and II to acquire long-term rentals. Refinance, recycle, repeat. This is the stage where the portfolio compounds — and how a $186M operation actually gets built.

  • Long-Term Rental Acquisition
  • Force Appreciation Playbook
  • Refinance & Cash-Out Strategy
  • 1031 Exchange Mechanics
  • Portfolio-Level Underwriting
  • The Flywheel: Recycle Capital
Realistic Outcome Portfolio that pays you while you sleep.
"
The poor stay poor because they were told real estate requires money. The truth is real estate requires reps. The ladder turns reps into wealth — for anyone willing to climb it.
— BLAINE MACINTOSH
The Real Proof

If the method only worked for me, it wouldn't be a method.

Almost every wholesale "guru" has the same problem: they can show you their deals, but they can't show you anyone else closing deals using their playbook. I can. I built a team of 20+ people from zero — acquisition managers, dispositions leads, transaction coordinators — and trained every one of them on the same ladder you're about to climb.

That team now closes 300+ deals a year running this exact method. Not a theory. Not a course. A system that produces transactions at scale, taught to regular people who started where you are now.

0 → 20+
Team Built
From me on a phone to a 20-person operation. Hired, trained, and developed every role.
300+
Deals a Year
Current annual transaction count. Every single one running the same ladder.
632+
Total Transactions
Lifetime closed deals across wholesale, creative finance, and buy-and-hold.
$186M
In Real Estate
Total transaction volume. Not a portfolio number — a production number.
The Method · In Your Hands

Run any deal through the method right now.

Two tools, one method. Toggle between the MAO Calculator for wholesale deals and the Creative Finance Structurer for sub-to and seller-carry plays. Same underwriting logic that's been run on 632+ closed transactions.

MAO Calculator · Wholesale
Creative Finance Structurer
MAO · WHOLESALE

Maximum Allowable Offer

$
$
$
$
Investor's MAO (Cash Buyer)
Your MAO (Wholesaler)
Your Spread
Spread on ARV
Negotiate Down By
The Method's Read
Running the numbers…
Enter your deal above. The verdict updates live.
CREATIVE FINANCE · STRUCTURER

The Right Play for This Seller

$
$
%
$
$
$
Equity in Property
Monthly Cash Flow (Rented)
Below-Market Rate
Cash to Seller
Recommended Structure
The Method's Read
Running the numbers…
Enter the deal above. The structure picks itself.
The Track Record

Receipts, not résumés.

Every number below is a closed transaction. No podcast guests. No mastermind speakers. Just deals the team and I have actually run through the ladder.

Transactions Closed
632+
Wholesale · Creative · Buy-and-Hold
Total Volume
$186M
In real estate transactions
Deals Per Year
300+
At current team pace
Team Built
20+
From 0 · Acquisitions to Dispo
DEAL · 008Wholesale

SFR · Probate Lead

PDX Metro · 3BR/2BA
$22,500
Assignment Fee · 14 Days to Close
DEAL · 019Sub-To

SFR · Tired Landlord

Vancouver, WA · 4BR/2BA
$310,000
3.5% Loan Taken Subject-To · $0 Down
DEAL · 034Wholesale

Duplex · Pre-Foreclosure

Clark County · 2 Units
$18,000
Assignment Fee · 21 Days
DEAL · 052Seller Carry

Quadplex · Free & Clear

PDX Metro · 4 Units
$680,000
Owner Financing · 4.5% · 30yr
DEAL · 081Buy & Hold

Mixed-Use Retail

Portland Metro · 6 Units
$1,475,000
+ $385K Cash-Out Refi · 18mo
DEAL · 112Wrap

SFR Portfolio · 4 Doors

PDX Metro · Wrap-Around
$985,000
Wrapped Existing Notes · $1,100/mo Spread
The Honest Filter

This is for hustlers.
It's not for everyone.

This is for you if

  • You're broke, near-broke, or sitting on cash — doesn't matter. The ladder works either way.
  • You'll make uncomfortable phone calls. Real estate income is on the other side of conversations most people won't have.
  • You're done watching wholesaling tutorials at midnight and not pulling a list the next morning.
  • You'll run the method on faith for 30 days even when nothing's happening yet.
  • You want a real second income — or a path out of W-2 altogether.

This isn't for you if

  • You want a "get rich while you sleep" pitch with a passive button.
  • You think wholesaling is unethical. (We'll respectfully disagree, but this isn't your room.)
  • You'll consume every module and never make an offer or send a piece of mail.
  • You can't handle hearing "no" 30 times before you hear "yes."
  • You want a refund guarantee more than a check.
Free Playbook · Day-by-Day

Your first wholesale deal
in 30 days.

The exact day-by-day sprint we run with new students. Find motivated sellers, lock them up, assign to cash buyers, collect your check. No money required. No credit pulled. Free PDF, no upsell on page two.

IDays 1–7

Week 1 — The List

Motivated Sellers · Cash Buyers

By Friday of Week 1: You've pulled a motivated-seller list (probate, tax delinquent, pre-foreclosure, absentee). You've built a cash-buyer list. Phone and SMS systems are set up. You are ready to start dialing.

IIDays 8–14

Week 2 — The Calls

Outreach · Discovery · Offer Setup

By Friday of Week 2: You've made 200+ calls or texts. You've had 5–10 conversations with real motivated sellers. You've identified 1–2 properties you're going to make an offer on. Scripts are dialed.

IIIDays 15–21

Week 3 — The Lock

MAO · Negotiate · Contract

By Friday of Week 3: You've run the MAO calculator on each property. You've made offers. You've gotten at least one property under contract at a price that leaves room for an assignment fee.

IVDays 22–30

Week 4 — The Assignment

Buyer · Paperwork · Check

By Day 30: You've matched your contract with a cash buyer from your list. You've signed the assignment agreement. You're at closing. You collect your first check — and the ladder is officially under your feet.

Free · Instant Download

Get the 30-Day Playbook

The complete day-by-day sprint for your first wholesale deal, delivered to your inbox in under sixty seconds.

  • 30-day calendar (printable)
  • Cold-call & SMS scripts
  • Contract & assignment templates
  • MAO calculator (Excel)
  • Motivated-seller list sources
No spam. Unsubscribe any time.
Mentorship

Three ways to climb the ladder.

Pick the level of intensity that matches where you are. All three include the full method — wholesale, creative finance, and buy-and-hold.

Tier I
The Hustler
Self-paced full method. For the disciplined student who works alone and is hungry enough to keep going without hand-holding.
$1,495
Or 3 payments of $545
  • Full Wholesale playbook (Stage I)
  • Full Creative Finance vault (Stage II)
  • Buy-and-Hold curriculum (Stage III)
  • All scripts, contracts, and templates
  • MAO & Creative Finance tools
  • Lifetime access · self-paced
Get The Hustler →
Tier III
The Private Desk
1:1 mentorship with Blaine. Limited to a small number of students per year. For the operator who wants the coach in their corner on every deal.
$25,000
12-month engagement
  • Everything in The Inner Room
  • Weekly 1:1 calls with Blaine (60 min)
  • Live underwriting on your deals
  • Voice-message access between calls
  • Two in-person strategy days per year
  • Direct line for offer & negotiation calls
Apply for The Private Desk →
In Their Words

What students say after they climb.

"

I'd been "studying" wholesaling for two years and never made a call. Within 18 days of joining The Inner Room I had my first contract. Day 26 I collected $11,500. The ladder isn't a metaphor — it's a literal step-by-step.

$0 → $11,500 · 26 Days
T. Martinez
Inner Room · Phoenix, AZ
"

I was a wholesaler stuck at "lumpy income." Stage II taught me how to take title sub-to instead of assigning everything. I now own four properties I'd have passed on as a wholesaler. Cash flow plus equity, no bank.

Wholesale → 4 Sub-To Doors
D. Coleman
Private Desk · Atlanta
"

Blaine doesn't sell hype. He answers the phone, picks apart your deal line by line, and tells you the truth even when it stings. That's the difference between a mentor and a marketer.

3 Deals Closed · Year One
R. Walsh
Inner Room · Pacific NW
Common Questions

Before you apply.

If your question isn't here, the application has space for it.

Do I really need zero money to start wholesaling?

+

You need very little — enough for a phone, a list source ($75–$200/mo), and earnest money on a contract (often $10–$500, refundable). Compared to buying a property, the barrier to entry is almost gone. What you do need is hours and willingness to make calls most people won't.

Is wholesaling legal in my state?

+

Wholesaling is legal in every state, but some states (Oklahoma, Illinois, others) now have specific licensing or disclosure rules. The method teaches you how to operate compliantly anywhere — including when to wholesale, when to use a double-close, and when to take title via a creative-finance play instead.

What's "subject-to" actually mean?

+

Subject-to means you take title to a property "subject to" the existing mortgage staying in place. The loan stays in the seller's name; the deed transfers to you. You make the payments. It lets you acquire properties without qualifying for a new loan — at the seller's existing (often much lower) interest rate. Stage II teaches the mechanics, paperwork, and risks in detail.

How fast can I realistically make my first $10K?

+

The realistic promise is first deal in 30 days, $10K in 90 days, for the student who actually runs the method. Some people hit it in 18 days. Some take 120. The variable is reps — how many calls, how many offers, how many "no's" you'll work through. We don't promise outcomes; we promise the method and the support around it.

Do I need a real estate license?

+

No. Wholesaling, sub-to acquisitions, seller carrybacks, and personal investing don't require a license — you're acting as a principal, not as an agent for someone else. A license can help with MLS access but isn't necessary to climb the ladder.

Is there a refund?

+

No. The Inner Room and Private Desk both require an application so we both make sure it's a fit before you wire money. If you're looking for a money-back guarantee instead of a check from your first deal, this isn't the right room — and that's not personal.

The Next Cohort

Stop studying.
Start climbing.

Applications are open for the next mentorship cohort. The first deal isn't going to find itself. The ladder is right here.

Free 30-Day Playbook