A traditional cash sale ends your upside on day one. With seller financing, you keep part of your equity working by collecting interest over time through a secured note.
How monthly income is created
The payment is driven by four levers: financed balance, interest rate, amortization schedule, and payoff timeline.
Sellers can compare conservative and aggressive scenarios to find the right balance between payment size, total interest, and buyer affordability.
How sellers protect their position
Your note is documented at closing and secured by lien position, with payment obligations and default remedies clearly defined in writing.
Risk is further reduced by down payment strength, buyer profile, property condition, and the quality of closing documentation.
What if you later need a lump sum
Many sellers plan ahead for optional note-sale flexibility if cash needs change in the future.
A note can often be sold at a discount depending on payment history, equity position, and market conditions.