About Us

Our goal is to provide Affordable Housing to families and seniors in the market that are underserved by Big Banking Sectors.  Due to regulations that dictate the amount Banks can charge for underwriting loans, large institutions have chosen to ignore loan requests under $75,000.  Additionally, few large institutions offer any financing product on used manufactured homes.


We are here to serve that market!  

We offer Seller Financing on Manufactured and Lower Price-Point Homes we have inspected and upgraded.  

We locate and qualify a new family to make this their new home.  We know that adding “Home Owners” to any neighborhood is a much better addition than “Renters”.  Pride of Ownership is evident.

We then  sell the Notes that have been created to Investors for great returns secured by the property.


If you or someone you know is interested in learning about Getting a Better Return on your Money than the Banks are providing – Give us a Call.  

Joy @ 480-231-3895


The American Dream of Cash-flow and Mailbox Money


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Our story

Joy Oberholtzer

Rock on Properties, Inc – Majority Stockholder, Women Owned

  • Specializing in Real Estate Acquisition, Rehabilitation, Buy and Hold and Cash Flow properties

  • Assisting those with funds to invest in Real Estate and realize a higher return than provided by Banks

  • Locate, Purchase, Remodel, Rehab, Place Buyers and Create Performing Notes

My Story:  I was born in Seattle Washington, undergraduate from University of Washington.  Have lived and worked all over the world as an entrepreneur and independent contractor.  I’ve operated several successful and profitable businesses. Moved to Phoenix in 2004 and began investing in passive income properties.  I have a portfolio of properties in Arizona, Dallas and Memphis. My interest in Real Estate led me to focus on Real Estate Acquisition for wealth building.  

Joy and husband Richard met while skiing in Colorado while both lived on the East Coast. They reside in Scottsdale Arizona.