The Black Salt Group / For experienced agents
You built the relationship.Your lender kept it.
You found the buyer. You held the deal together when it wanted to fall apart. Then you handed the loan to somebody else, and now they own that client for the next thirty years.
Why there is an octopus here
He refused the tank
In 2016 an octopus named Inky lived at an aquarium in Napier, New Zealand. One night he pushed the lid off his tank, crossed the floor, and found a drain pipe about six inches wide.
He went down 160 feet of it and came out in the ocean. Staff found the wet trail in the morning. Nobody ever saw him again.
Most agents accept the tank. The split is the split. The lender is the lender. That is just how it works. We did not accept it.
The part nobody adds up
Here is what you give away
Not on one deal. Over a career. Four places the money walks out the door while you are busy being great at your job.
Rates drop. Your client refinances. Your lender makes that check. You find out about it on Instagram.
Saturday afternoon, perfect house, and you are waiting on a lender who does not pick up. You lose the offer.
Financing cracks on day eighteen. You cannot fix it, because it was never your file.
Every loan that client ever takes goes to whoever did the first one. That was supposed to be you.
The model
One person. Both sides. The whole relationship.
Full Stack Agent is not a slogan we printed on a hat. It is a license set, a workflow, and a different way of counting what a client is worth.
- 1
You get licensed on both sides
Real estate and lending. It is real coursework and a real exam, and we walk you through it. This is the part most agents will not do, which is exactly why it is worth doing.
- 2
You control the pre approval
Your buyer gets qualified by you, on your timeline, on a Saturday if that is when the house hits. No more chasing somebody else's voicemail while an offer window closes.
- 3
You keep the client for life
The purchase. The refi. The next purchase. The rental they buy in six years. One relationship instead of one transaction.
- 4
You stop referring away the repeat business
Here is the truth. The listing is one payday. The lending relationship pays for decades. Most agents hand that half away and never think about it again.
Now the part other shops will not tell you
On a single closing, whether you can be compensated on both sides depends on your state and the loan program. Some states allow it with written disclosure and the client's consent. Some do not allow it at all. USDA loans never do.
We go through exactly what applies to you on day one, before you spend a dollar on a license.
And the biggest money in this model is not the double closing anyway. It is the refi and the repeat client, and none of that is restricted.
Straight talk
This is not for everybody
We would rather lose you here than six months in. Read both columns honestly.
This is for you if
- You have closed real deals. This is not your first year.
- You are tired of being half of your own business.
- You will actually go get the second license.
- You want probate, divorce, and luxury deal flow.
- You think in decades, not in quarters.
Keep scrolling if
- You want leads handed to you every morning.
- You are shopping splits and nothing else.
- You are not willing to add a license.
- You want somebody else to own the hard part.
- You are looking to coast for a couple years.
Who you would be working with
Three partners. No layers.
You will not be assigned to a regional manager you meet once a year. You work with the people whose names are on the door.
Brady Breinholt
Capital / Lending / DevelopmentThe one who makes hard money make sense. If a deal needs structure or capital, this is the conversation.
Troy Moultrie
Divorce / Probate / LuxuryDeal flow most agents cannot source on their own, and the patience those files require.
Shawn Monsen
AI / Marketing / Foreclosures & Fix and FlipBuilds the systems the rest of us run on, from AI content engines to luxury listing marketing. Also the one hunting foreclosures and flips, because he would rather find the deal than wait for it.
Next step
One conversation. That is it.
No deck. No pressure. Twenty minutes on whether this model actually fits the way you already work.
If it is not a fit, we will tell you in the first ten minutes.
Brokerage and lending. BlackSalt Group is an operator network, not a brokerage or a lender. All real estate services are offered through Real Broker LLC. All mortgage services are offered through One Real Mortgage, NMLS #[INSERT COMPANY NMLS]. Shawn Monsen, NMLS #[INSERT PERSONAL NMLS]. Equal Housing Opportunity. Equal Housing Lender.
Licensing and compensation. Licensing requirements, permitted compensation, and required disclosures for holding both a real estate license and a mortgage loan originator license vary by state and by loan program. Some states permit compensation in both roles on the same transaction with written disclosure and the client's informed consent. Some prohibit it entirely. Federally related programs, including USDA loans, do not allow it. We review what applies in your state before you spend a dollar on a second license.
No earnings promise. Nothing on this page is a guarantee of income, production, deal flow, or the ability to be compensated in both roles on any given transaction. Results depend on your market, license status, and individual effort. This is not a commitment to lend. All loans are subject to credit approval, income verification, and property appraisal. Rates and terms are subject to change without notice. Not all applicants will qualify.
This is an independent contractor opportunity, not an offer of employment, a franchise, or a security.