Creative finance has been building wealth in real estate for decades. Now it's come to vehicles. The T.O.P. Method teaches you how to flip cars, trucks, RVs, boats, and exotics using the same strategies — no bank, no credit check, no dealer license. You solve real problems for real people and get paid for it.
Subject-to deals. Seller financing. Lease options. Wrap mortgages. For 40+ years, investors have been buying properties by taking over existing mortgages — no bank approval needed. Entire empires were built this way. Pace Morby's SubTo community alone has 18,000+ members doing this daily.
Millions of Americans are upside down on car loans. Dealerships offer lowball trade-ins. Banks charge 18-25% APR for anyone under 680 credit. The system is broken. But the same creative structures that work in real estate — taking over payments, seller financing — work for vehicles too. Nobody had systemized it. Until now.
Mike Davis took the informal practice of "taking over someone's car payment" and built a legitimate business system around it. Proprietary underwriting. VQI scoring. Structured fee models. Transparent math on every deal. The T.O.P. Method isn't a hack — it's a methodology that works across cars, trucks, RVs, boats, aircraft, and exotics.
Meet a real scenario: Someone bought a 2022 Chevy Silverado LT 4x4 two years ago. Life changed — new baby, lost overtime, whatever. They owe $38,500 but the truck is only worth $32,000. They're $6,500 underwater.
Across town, a self-employed contractor needs a truck to work. Credit score: 620. Bank says no — or offers 19.5% APR with $5,000 down. That turns a $32,000 truck into a $52,000+ total cost.
Walks away from the payment. No $8,500 check. No deficiency. No repo. They're done. You might even put a few hundred in their pocket.
Steps into the existing loan: $687/mo at the seller's original rate. No credit check. No 19.5% APR. No $5,000 down. Entry fee + first payment = driving.
TC fee + connection fee = $2,000–$5,000+ per deal. You solved two problems with one phone call. That's the business.
Sedans, compacts, daily drivers
Work trucks, pickups, fleet units
Family SUVs, crossovers
Bikes, sport, cruiser, touring
Work vans, cargo, passenger
Travel trailers, fifth wheels, motorhomes
Fishing, pontoons, speedboats
PWC, watercraft
Box trucks, light duty commercial
Tractors, heavy equipment (where applicable)
High-end, performance, luxury
Planes (deal structure + compliance taught)
The buyer saves $15,742 compared to the dealership route — and gets approved instantly with no credit check.
That's a bread-and-butter deal. Not a Hellcat. Not an exotic. A regular truck that's slightly underwater — the kind of deal that's everywhere, every single day.
Live calls with Mike every week. Bring your deals, your questions, your problems. Get real-time answers.
Submit your deals. Mike underwrites them with you. Learn VQI scoring, math, positioning — on your own deals.
Limited seats. You're not lost in a crowd. You're in a room with people at your level, moving fast.
Complete the program and earn your certification. Proof you know the system inside and out.
Active community of T.O.P. Method practitioners. Share deals, ask questions, find partners.
Every module recorded and accessible forever. Watch, rewatch, reference. The system documented step by step.
Not everyone is a fit. We keep cohorts small so every student gets real attention. Fill out the application and if it looks like a match, we'll schedule a call to talk details.