Here's exactly what you're agreeing to when you join the Payneless Flipping Apprenticeship — in plain English, with the full legal terms underneath each section. We've written this to be clear and fair, because we'd rather you understand what you're signing than be surprised later. By enrolling in or accessing the Program, you ("Client," "you") agree to these terms with Investor Thrive LLC d/b/a Payneless Flipping ("Company," "we," "us").
As long as you stay enrolled, remain in good standing, and keep doing the work with us, we keep working with you. We don't cut you off at an arbitrary deadline. Our goal is to help you build real estate income, and we stay in it with you as you pursue that goal.
To be clear and fair to everyone: this is a commitment to keep supporting and working alongside you — it is not a guarantee of income, profit, deals, or any specific financial result, and it is not a promise of a refund based on results. "Replace your income" describes what the Program is built to help you pursue, not a promised outcome. What you earn depends on your effort, your market, and many factors outside our control. See Section 9.
Pick your marketing channel — Direct to Seller, Direct to Agent, or Direct to Wholesaler (JV). Submit 35 qualified leads through the Sell Your Deal form that meet your channel's requirements below. Once you hit 35, our team takes over: we work your leads, negotiate, find the buyer, and coordinate the closing — and you get paid your share of every deal we close together, per the partnership splits.
If you submit 35 qualified leads and we can't help you close a deal, you get your money back. That's the guarantee. You bring qualified opportunities — we bring the close. You learn while you earn.
A motivated seller you spoke with directly, with the full picture: property address and condition details, seller's name, phone, and email, their motivation for selling, the lowest price discussed, rehab estimate, ARV, photos, and access details — everything on the Direct to Seller section of the form, completed honestly.
A listing where you spoke with the listing agent directly and confirmed: the agent's name, phone, and email, the seller's timeline and motivation, whether the sellers will flex on price for a fast cash close (the agent's answer, yes or no), property condition and occupancy, how showings are set up, and your 2–3 sentence pitch on why an investor would want it.
Each agent lead must also show at least one motivation signal: a seller deadline, a price reduction, listing language such as "as-is," "investor special," "cash preferred," or "motivated seller," a yes-or-maybe answer from the agent on price flexibility, or a documented situation such as an estate sale, divorce, relocation, pre-foreclosure, or tired landlord. A fully-priced retail listing with firm sellers and no signals is not an opportunity our buyers can act on, and does not count — this rule exists to keep you hunting where the deals actually are.
A wholesale deal where you spoke with the actual contract holder directly (no reposts, no middlemen) and confirmed: their name, phone, and email, the asking price, at least 2–3 days remaining before they lose or dispo the contract, whether there's wiggle room on price for a fast cash buyer (their answer, yes or no), property condition and occupancy, how buyers get access, that they're open to a JV split, and your 2–3 sentence pitch.
1. Every lead is verified. Our team contacts the seller, agent, or wholesaler on every submission. That's how we take over — and how we count.
2. Incomplete or dead leads don't count — but your proof protects you. Missing required fields or non-working contact information do not count toward your 35. If we can't reach your contact or they don't recall the conversation, the lead still counts if you can show reasonable proof it happened — a call log, text thread, or email exchange. Keep proof for every conversation; it protects you.
3. Fresh leads only. Submit within 48 hours of your conversation. These deals move fast — stale leads can't be worked.
4. Maximum 10 submissions per week. This keeps you taking consistent action — 35 real leads over weeks of work, not a last-minute dump.
5. Honesty is non-negotiable. Fabricated or misrepresented leads don't count, and repeated misrepresentation voids guarantee eligibility entirely.
6. One channel, one count. Your 35 leads must come from a single marketing channel. Pick your lane and master it.
7. Deals must be in workable markets. Our buyer network needs buyers. Properties should be in or within roughly 45 minutes of a metro area with active investor activity. If buyer coverage in a market is a concern, our team will flag it during verification — before it costs you a lead — so you can redirect your effort to a market we can serve.
Because 35 qualified leads is the proof of work. By the time you've had 35 real conversations — qualifying condition, timeline, motivation, and price flexibility — you've built the exact skill set this business runs on. The guarantee isn't just protection. It's the plan. Follow it, and the deal closes either way: we close it with you, or we hand your money back.
Deals closed under this Guarantee are paid according to the partnership splits agreed at lead submission. The splits are the same across all three channels — Direct to Seller, Direct to Agent, and Direct to Wholesaler (JV): if the deal is not under contract and our team takes over — negotiating, securing the deal (or, for JV deals, locking in the JV terms), finding the buyer, and coordinating the transaction — Client receives thirty percent (30%) of the fee and Company receives seventy percent (70%). If Client has the deal under contract (or, for JV deals, a signed JV agreement in place) and Company's role is to find the buyer and coordinate the transaction, Client receives sixty percent (60%) and Company receives forty percent (40%). On all partnered deals, Company handles transaction coordination to ensure the closing is set up correctly.
Your window. All 35 qualified leads must be submitted during your Program access period (see Section 4). Every submission is confirmed or declined by our team, with a reason given for any declined lead, so you always know your count.
Our window. Once your 35th qualified lead is confirmed, our team has one hundred twenty (120) days to work your submitted leads and close a deal with you. Client agrees to reasonably cooperate during this period, including responding to our team's communications and executing any documents needed to move a deal forward.
The refund. If no deal closes within that 120-day period, email [email protected] within thirty (30) days of the period ending, and we will refund your Program Price to your original payment method. This refund is the sole and exclusive remedy under this Guarantee.
Good faith, both ways. Lead qualification and verification determinations are made by Company in good faith and are final. This Guarantee is personal to you and non-transferable. If we update these guarantee terms, the version in effect on your enrollment date is the one that governs your Guarantee.
This is a full-program purchase — not a subscription, trial, or pay-as-you-go service. By signing, Client confirms they have read and understood every term herein and are not relying on any verbal representations, marketing materials, or projections made outside this written Agreement.
Program components may include, at Company's sole discretion: training on the Payneless Flipping system; access to the private community; scripts, spreadsheets, KPI trackers, contracts, and resources; recorded training content; group guidance and deal feedback; deal review and strategy support; and optional deal partnering (subject to Section 10 and separate written agreement).
Company may modify, update, or remove any component — including content, platforms, or support formats — at any time, provided overall program value is materially maintained. Such changes are not grounds for refund, cancellation, or dispute.
Unless separately agreed in writing, the Program does not include: guaranteed response times, unlimited 1-on-1 support, guaranteed deal reviews or partnering, priority access, or done-for-you services.
Access is provided for up to twelve (12) months from enrollment unless otherwise stated. Access to any portion of the Program constitutes delivery of value and is non-returnable.
Client is solely responsible for their execution, results, and all business and marketing expenses. Client agrees to participate actively, submit information honestly, act ethically and legally, and not misrepresent Company or the Program. Our ongoing commitment to work with you (described above) depends on Client continuing to participate in good faith.
This is a full-program purchase, not a subscription. Payment plans are a payment convenience only. Client is obligated to pay the full Program Price regardless of participation.
The total program price ("Program Price") and payment schedule are the amount and terms mutually agreed upon between Client and Company at the time of enrollment, as documented in Company's payment processor (Stripe), enrollment communications, and/or invoices issued to Client. By signing this Agreement, Client confirms and acknowledges the Program Price and payment schedule agreed upon at enrollment, and agrees that those terms are incorporated into and made part of this Agreement by reference.
Payment may be made in full, in multiple installments, or via approved third-party financing, as agreed at enrollment. For Clients on installment payment plans, all scheduled installments are due in full according to the schedule agreed at enrollment. If any installment is more than ten (10) days past due, Company may, at its sole discretion, declare the entire remaining balance immediately due and payable. All charges will appear as Investor Thrive LLC or Payneless Flipping.
Client's obligation to pay the full Program Price is unconditional and survives regardless of whether Client continues participation, attends calls, reviews materials, or has access suspended or terminated for any reason.
If any payment is missed or fails, Company may suspend or revoke access, remove Client from the community, refer the account to collections, and/or pursue legal action. Client is responsible for all resulting collection costs, attorney's fees, and applicable default interest to the fullest extent permitted by law.
All payments under this Agreement are non-refundable and non-cancellable, except as expressly provided in the Closed Deal Guarantee above. Upon enrollment, Client receives immediate access to proprietary materials, constituting an irrevocable transfer of value. Client's failure to participate, attend calls, or implement the Program creates no obligation for refund, credit, or adjustment.
Initiating a chargeback without first exhausting Company's resolution process is a material breach of this Agreement.
Client agrees to contact Company at [email protected] and allow ten (10) business days to resolve any billing concern before initiating any chargeback, reversal, or dispute with their card issuer, bank, or financing provider.
If Client initiates a chargeback or dispute, Company reserves the right to: immediately suspend all access; submit this signed Agreement, enrollment records, access logs, and communication history as evidence to the relevant financial institution; and pursue recovery of all disputed funds plus legal and collection fees through collections or civil litigation.
Client expressly acknowledges this Agreement documents their informed consent to all payment terms and will be presented in any dispute proceeding.
No income, deal volume, profit, or specific result is guaranteed or implied. Any references to "replacing your income," sample earnings, or client outcomes describe goals the Program is designed to help Client pursue — they are not promises or guarantees of any kind. Results depend entirely on Client's effort, skill, market conditions, capital, and execution, many of which are outside Company's control. Testimonials and examples are individual results, are not typical, and are not promises of results. Client is solely responsible for all business decisions and their consequences. Nothing in this Agreement, the Program, or any marketing material constitutes a guarantee of income or a refund based on results, other than the express refund remedy provided in the Closed Deal Guarantee above.
Deal partnering is not guaranteed, is reviewed case-by-case, and is offered entirely at Company's discretion. Any arrangement requires a separate written agreement prior to execution. Deals worked under the Closed Deal Guarantee are subject to the partnership split terms agreed at lead submission.
All materials are proprietary. Client may not share, reproduce, distribute, or resell any content. Access is for one user only — sharing credentials or granting third-party access may result in immediate permanent termination without refund. Termination does not relieve Client of payment obligations.
Company may suspend or terminate access at any time for any violation of this Agreement or conduct deemed harmful to the community or business. Termination does not cancel or reduce payment obligations.
Client grants Company a perpetual, royalty-free license to use Client's testimonials, results, and wins for marketing purposes across any medium, without additional compensation.
Company's total liability for any claim shall not exceed the amount Client paid in the six (6) months preceding the claim. Company is not liable for lost profits, missed deals, or indirect or consequential damages of any kind. Client agrees to indemnify and hold Company, Investor Thrive LLC, Nathan Payne, Nathan Valle, and their agents harmless from any claims, damages, or fees arising from Client's business activities, deals, or violations of this Agreement.
This Agreement is governed by the laws of the State of Utah. All disputes must be brought exclusively in Utah state or federal courts. Client waives any objection to jurisdiction or venue in such courts. Client waives the right to participate in any class action or representative proceeding. Any claim must be filed within one (1) year of accrual or is permanently barred.
This Agreement supersedes all prior discussions and representations. No amendment is valid unless in writing and signed by both parties. If any provision is found unenforceable, all remaining provisions remain in full force.
By signing the Agreement, Client confirms they have read and understood this Agreement in full — that this is a non-refundable full-program purchase, not a subscription, subject only to the express terms of the Closed Deal Guarantee; that full payment is owed regardless of participation; that the Company will keep working with Client as described in "Our Commitment To You" so long as Client remains in good standing and participates; and that no earnings, deals, or results are guaranteed beyond the Guarantee's express refund remedy.