Become the Bank, Earn Monthly Income
Instead of a lump sum, receive monthly payments with interest. Seller financing lets you create a passive income stream while potentially reducing your tax burden.
Free consultation • No obligation • DFW Metroplex only
Why Consider Seller Financing?
Turn your property into a long-term investment with predictable returns
Monthly Income Stream
Receive consistent monthly payments instead of a single lump sum. Great for retirement income or passive cash flow.
Earn Interest
As the lender, you earn interest on the financed amount — often more than you'd get from traditional investments.
Tax Advantages
Spread capital gains over multiple years through an installment sale, potentially reducing your overall tax burden.
Faster Sale
Attract buyers who may not qualify for traditional financing, expanding your pool of potential purchasers.
Collateral Protection
The property remains collateral for the loan. If the buyer defaults, you have the option to foreclose and reclaim the property.
Flexible Terms
You control the interest rate, down payment, and loan terms. Structure the deal to fit your financial goals.
How Seller Financing Works
Property Evaluation
We assess your property and discuss your financial goals to determine if seller financing is right for you.
Structure the Terms
Together we determine the down payment, interest rate, monthly payment, and loan duration that work for you.
Find a Qualified Buyer
We market your property to buyers interested in seller financing and vet them for creditworthiness.
Close the Deal
The buyer makes a down payment, signs a promissory note, and you begin receiving monthly payments.
Seller Financing Is Ideal For
Frequently Asked Questions
Seller financing (also called owner financing) is when you, the seller, act as the lender instead of a bank. The buyer makes a down payment and then pays you monthly with interest until the property is paid off.
Not necessarily. While it's simpler if you own the property outright, there are structures that can work even with an existing mortgage. We'll discuss your specific situation during the consultation.
Because the property serves as collateral, you have the right to foreclose and reclaim the property if the buyer defaults. The promissory note and deed of trust protect your interests.
You set the interest rate, though it should be competitive with market rates to attract buyers. Rates typically range from 6-10% depending on market conditions and buyer qualifications.
Terms vary based on your goals and the buyer's situation. Common structures include 5-10 year balloon notes or 15-30 year amortization schedules.
By spreading the sale over multiple years (installment sale), you may be able to defer capital gains taxes and potentially pay less overall. Consult a tax professional for your specific situation.
See If Your Property Qualifies
Enter your address to discuss if seller financing is right for your situation.