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Turn Your Property Into Monthly Income Instead of Selling Cheap

Most sellers only hear about cash offers. But if you don't need all your money today, there may be a smarter option.

What Is Seller Financing?

Seller financing allows you to receive monthly payments for your property instead of taking a discounted cash offer.

Instead of

$150,000

cash today

You might receive

$1,200/mo

for 10–15 years — much higher total payout

Who This Works Best For

This option may work well if you:

  • Own your property free and clear
  • Have significant equity
  • Are not in a rush
  • Want monthly income
  • Are retiring or downsizing
  • Own a rental property
  • Inherited a home
  • Own commercial property

This is not the right fit for every situation. We only structure these when it makes sense for both sides.

Example Scenarios

See how seller financing can compare to a traditional cash sale.

Example Property

Market Value: $200,000

Cash Offer Today$130,000–$150,000

Seller Finance Structure

$10,000 down

$1,300/month

10-year term

Estimated Total: $166,000+

Example Property

Market Value: $300,000

Cash Offer Today$180,000–$210,000

Seller Finance Structure

$20,000 down

$2,000/month

15-year term

Estimated Total: $360,000+

Examples are simplified for illustration. Every property is structured individually.

We Structure Everything

You don't need to figure out the details. We handle the entire process.

  • We draft and structure the agreement
  • We handle paperwork and compliance
  • We structure protection terms
  • We manage negotiations
  • We simplify the entire process

Flexible Structures

Every deal is different. We tailor terms to fit your situation.

5–15 year terms
Shorter balloon structures
Income + lump sum hybrids
Commercial seller finance
Custom agreements

Cash Sale vs. Seller Financing

Cash Sale

  • Faster closing
  • Lower total payout
  • One-time payment

Seller Financing

  • Longer timeline
  • Higher total return
  • Monthly income

Frequently Asked Questions

What is seller financing?
Seller financing means you act as the lender: instead of receiving one lump sum, you sell the property and receive dependable monthly payments over an agreed term, secured by the property itself. It's commonly used by owners who want a higher total price, steady income, or both.
Why would I choose seller financing over a cash sale?
Three reasons: price, income, and taxes. Sellers who offer terms typically command a higher price than an all-cash sale. The monthly payments create reliable income, similar to owning a rental without the landlord work. And an installment sale may allow you to spread capital gains across multiple tax years — confirm the tax treatment with your CPA.
Is my money protected if I seller-finance my property?
Yes — the structure is the protection. The sale is documented with a promissory note and a recorded security instrument against the property, and payments are handled through professional loan servicing so every payment is tracked and documented. You hold a secured position, not a handshake.
What happens if the buyer stops paying?
Because the note is secured by the property, you retain enforcement rights under the recorded instrument, including the ability to recover the property through the legal remedies it provides. This is the same protection banks rely on when they lend — and it's exactly why the paperwork is done professionally up front.
Who handles the paperwork and closing?
We do. The note, security instrument, amortization schedule, and closing are prepared and coordinated through the title company and loan servicing, so the transaction is documented correctly from day one. You review the numbers in writing before signing anything.

See If Your Property Qualifies for Seller Financing

We'll review your property and contact you to discuss realistic structures.

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