Trusted Partners
Home Depot
TD Bank
American Home Shield
PNC
Legal Counsel
Legal Counsel
Title Compliance
Underwritng Partner
The 2026 Diagnostic Dashboard
$0
Average liquid cash required for median Philly entry costs.
The current wealth gap between homeowners and renters.
Leakage
The wealth extraction rate for every dollar paid in rent.
Denial
Mortgage rejection rate for qualified minority applicants in the city.
Years
The new median age for a first-time homebuyer.
The Ownership Comparison
2026 Philadelphia $300k Rowhome Scenario
| The Metric | Perpetual Renting | Traditional Mortgage | HOMES QCD™ |
|---|---|---|---|
| Qualification | Basic Background | Institutional Algorithm | Certified Competency |
| Move-in Velocity | Immediate | 30-60 Days | Immediate |
| Entry Capital | First, Last, & Security | $29,000 – $41,000 |
Minimal Entry (1%–2% Down + $0 Closing Costs) |
| Wealth Status | 100% Loss | Asset Growth | Immediate Equity |
Our Programs:
The Ownership Ecosystem
The Learning SiteHOMESQCDLearning.com
The Onramp: Master the system that delivers immediate equity. Our certification teaches you the homeownership system and how our equitable process ensures you are qualified for full homeownership rights on Day One of signing the QCD.
Homeowner Savings Site MyHOMESClub.com
The Sustainer: Ownership is a team sport. Membership connects you to an exclusive affiliate network offering over $10,000 in collective savings on home maintenance, insurance, and essentials.
The QCD™ Blueprint:
Visual Diagram
Buyer
Protections
Guaranteed occupancy rights and clear refinance pathways.
Equitable
Framework
State-compliant precision ensuring legal integrity. Our framework strictly follows CFPB (Consumer Finance Protection Bureau)
standards and recommendations for "non-predatory" contract clauses.
QCDTM CONTRACT AGREEMENT
Buyer Protections
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SELLER CONDITIONS
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LEGAL FRAMEWORK & COMPLIANCE
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Seller
Safeguards
Standardized risk reduction and accelerated closing cycles.
The Strategic Exit for Owners
Turn Your Liability into a Performing Asset.
For the tired landlord, the traditional sale is a gauntlet of repairs, commissions, and "broken" buyer
financing. HOMES offers a third way: The Institutional-Grade Exit.
PAIN POINTS & OBSTACLES
The Repair Trap: Traditional buyers demand FHA-level perfection.
The "Broken" Mortgage: 2026 deals fall through due to bank underwriting.
The Tax Hit: Traditional sale can trigger massive capital gains.
The Management Burnout: Stop chasing rent. Start receiving payments.
TRADITIONAL LISTING
Preparation: 
Deep cleaning & "Fix-to-Sell" repairs
Closing Costs:
6% Commission + Transfer Taxes
Certainty:
Dependent on Bank Appraisal
Preparation:
Liability remains until the deed clears
HOMES QCDTM EXIT
Preparation: 
As-Is Transfer
Preparation:
Minimal to Zero
Certainty:
Standardized QCD Framework
Ongoing Risk:
Liability shifts to the Owner on Day 1
About HOMES:
The Structural Correction
The old model blocks good people. We build the bridge.
Homeowner Makers Educational Services (HOMES) is a diverse team of professionals across real estate, finance, accounting, architecture, construction, and law, focused on practical, legal paths to ownership.
We address Philadelphia’s biggest barrier—the cash-on-hand hurdle—by pairing education and certification with a standardized, state-compliant Qualified Contract-for-Deed (QCD™) that follows Consumer Financial Protection Bureau (CFPB) anti-predatory guidelines.
The result: equity from Day One, a real chance to build wealth and achieve the American Dream of homeownership, and a clean, strategic exit option for responsible landlords—helping more families stay rooted, countering displacement, and strengthening neighborhood stability across Philadelphia.
Everybody wins.
