Owner To Dueno Launches Bilingual Owner-Finance Marketplace in Memphis

MEMPHIS, Tenn. - Rezul -- MEMPHIS, TN – Dueño a Dueño, LLC has launched OwnerToDueno.com, a bilingual real estate marketplace connecting Spanish-speaking and ITIN-holding buyers with Memphis-area sellers open to owner-financing.

The platform bridges a major housing gap for the estimated 60,000+ local Spanish-speaking residents often excluded from traditional homeownership due to conventional bank credit, SSN, or language barriers.

"The buyers we work with have money, jobs, and families—they just don't have a Social Security number or a bank-accepted FICO score," said founder Spencer Shadrach. "We're bringing the owner-finance model back, bilingually, in Memphis."

How the Program Works

• For Buyers: Offers entry with a $10,000–$20,000 down payment, 10–12% interest, a 15-year amortization, and no minimum credit score (ITIN accepted). Field representative Susie Espinoza guides buyers through Spanish-language showings and closings via a licensed Tennessee title company.
• For Sellers: Converts a single sale into steady monthly income. For example, a $120,000 owner-financed sale generates roughly $1,150–$1,300/month over 15 years, outperforming a traditional one-time cash payout after commissions.

Looking Ahead

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While currently focused on Shelby County, OwnerToDueno plans to expand its model via a structured licensing program to other Southeastern cities with large Spanish-speaking populations, including Nashville and Knoxville.

About OwnerToDueno / Dueño a Dueño, LLC

Dueño a Dueño, LLC is a Wyoming-registered real estate company operating the OwnerToDueno.com platform in Memphis, Tennessee. The company provides bilingual owner-finance real estate transactions for Spanish-speaking buyers and Memphis-area sellers, with all closings conducted through licensed Tennessee title counsel. Learn more at OwnerToDueno.com (https://www.ownertodueno.com/).