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Sellers
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Many times a seller has a sales price in mind that is above market value and as a real estate professional you understand that appraisers and lenders will not support the sale price. With an interested buyer; a Seller-Finance Solution could be structured to meet sales price expectations for the seller in exchange for loan terms that reduce the monthly payment amount for the buyer.
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“I sold my property for full asking price” – Harry M.
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Buyers
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Most buyers consider the monthly payments first, down payment second and sales price third. Seller-Finance can exceed buyer expectations while remaining acceptable to a seller. Many times a buyer can not qualify for traditional financing; although they have sufficient income. Sub-prime Buyers can be matched with a distressed seller to generate a Seller-Finance transaction that would not otherwise close.
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“We bought five lots for $600.00 down” – Jeff P.
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Investors
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Cash Flow is King! Investors can appreciate the cash flow generated by Seller-Finance. Many investors will buy a property with a transferable Seller-Finance loan then sell the property in the same fashion, creating a monthly income stream from the difference in the payments.
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“Seller-Finance is my retirement income” – Fred W.
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Short Sales
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Many times a Short-sale will not be accepted by the lender, there are some Seller-Finance opportunities to help in this case. There may be times when your client does not have time to wait through the Short-sale process, a Seller-Finance transaction can close quickly to keep the deal alive.
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“We needed to close fast” – Kevin L.
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Pre-Foreclosure
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There are special situations where you can help a client try and keep their home through a combination of a Seller-Finance purchase and a Leaseback with a purchase option.
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“I have a chance to keep my home” – Kim T.
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For Sale by Owner
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No Boundaries! Many times the seller of a For Sale by Owner property will work with a buyer agent, a limited type of Seller-Finance arrangement may be needed to accommodate your commission.
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“The best of both worlds” – Phill T.
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Real Estate Commissions
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Stop Giving Away Money! There are many times when a Real Estate Professional is faced with reducing a commission to make the deal work. Seller-Finance can be extended to real estate commissions in most situations to collect the balance of your commission over time instead of a discount.
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“I like the monthly revenue” – Brad L.
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Lease Purchase Agreements
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Get Paid Now! Most Lease Purchase agreements do not result in a commissioned purchase at the end of the term; most states have a Seller-Finance option that is similar, yet will result in a commissioned closing.
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“This is money in your pocket” – Ben R.
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Your Investment Opportunities
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As a Real Estate Professional you see great deals out there; but you may not have the time or reserves to acquire traditional financing. Many professionals consider Seller-Finance as a tool for building wealth.
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“You can pick up a property this way” – Ben R.
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