Sell Your House on a Note.
Become the Bank.
Instead of a one-time cash check, you carry the mortgage. We pay you monthly — principal plus interest — on terms you choose. Use the calculator below to see exactly what you would earn, then request terms for your state.
Seller Finance Calculator
Simple by default, customizable when you need it
Balloon Payoff
Estimated Monthly Payment
$1,849
for 30 years (no balloon)
You Receive Today
$28,000
down payment at closing
Annual Income
$22,189
based on monthly payment
Interest You Earn
$414K
over 30 years
Final Payoff
$0
fully amortized
Projected Premium vs Cash Sale
+$413,671
Illustration only. Final numbers depend on negotiated terms and closing structure.
*Illustrative example only. Verify legal, tax, and lending implications with your advisor.
Want seller-finance terms tailored to your property?
6–10%
Typical Rate
Balloon Optional
Payoff Design
1st Lien
Note Security
What Is Seller Financing?
When you sell with seller financing, you don't walk away with one lump-sum check. Instead, you act as the lender — exactly like a bank. We buy your house, you hold the note (the mortgage), and we send you a monthly payment that includes principal and interest.
This is also called an owner-financed sale, a seller carryback, or a purchase money mortgage. The note is recorded against the property just like a bank mortgage. If we ever miss payments or default, you have the right to foreclose and take the property back.
The calculator above shows you exactly what you would earn based on your chosen price, down payment, rate, and payoff plan. Balloon terms are optional. Adjust the sliders until the numbers match your goals, then call us or submit the form below.
Why Seller Financing Beats a Cash Sale
For homeowners with significant equity, carrying the note can outperform a straight cash sale in almost every measurable way.
Monthly Passive Income
Principal + interest hits your account every month — better yields than CDs, bonds, or savings accounts.
Spread Your Capital Gains
IRS installment sale rules (§453) let you recognize gain only as you receive principal — not all at once in year one.
You Become the Bank
Your note is secured by a recorded first-position mortgage. Same protection a bank holds when it makes a home loan.
Sell for More
No lender fees, no points, no bank appraisal. We pass those savings to you — higher price, cleaner deal.
Manage Depreciation Recapture
Rental investors can spread recapture over the balloon term instead of paying it all in year one.
You Set Every Term
Interest rate, down payment, balloon timeline — every number is negotiated to fit your financial goals.
Top Reasons Sellers Choose This Path
Three motivations show up again and again: reduce capital-gains pressure, earn interest on equity, and sell now without taking all proceeds up front. The linked strategy pages below are Florida examples.
Avoid Capital Gains Pressure
Installment timing can reduce the pressure of recognizing all gain in one year.
Earn Interest on Equity
Your equity can become a structured income stream with principal plus interest payments.
Sell Now, Keep Income
If you need to exit the property but not all proceeds immediately, seller financing creates flexibility.
Choose Your Situation
Seller Finance by Scenario
Pick the situation that best matches your property. We'll show how owner-finance terms are commonly structured and link you to a full page with Florida guidance. If your property is outside Florida, request terms and we'll review your market directly.
Inherited House in Florida
sell inherited house floridaowner financing inherited propertyInherited homes are often outdated and expensive to prep for retail. Seller financing lets heirs sell quickly, avoid major rehab, and create a structured note payment stream.
Best Fit
- You inherited a home that needs updates before listing.
- You want cash flow from the property instead of a one-time check.
- You want to spread recognized gain over time under installment-sale rules.
- You need a cleaner exit between multiple heirs with flexible terms.
Why It Works
- No heavy pre-listing renovation requirement.
- Terms can include a meaningful down payment plus monthly principal and interest.
- The note stays secured by the property, similar to bank collateral.
- Heirs can align deal structure around income goals and timeline needs.
Sample Deal
Three siblings inheriting a dated Clearwater home
Price
$415,000
Down Payment
15% ($62,250)
Interest Rate
8.25%
Amortization
30 years
Payoff Plan
No balloon (fully amortized)
Monthly Payment
~$2,660
Creates immediate cash at closing for estate expenses while generating long-term monthly distributions.
Illustrative numbers only. Final terms depend on title, condition, and negotiated structure.
The Tax Advantage Most Sellers Never Use
Installment Sale — IRS §453
Sell for cash and the IRS taxes your entire capital gain that year. Sell on an installment note and you only recognize the gain proportional to each principal payment you receive. Spread the gain over 5, 7, or 10 years and you may stay in a lower bracket every year.
Depreciation Recapture for Rental Owners
Years of depreciation deductions create a recapture tax of up to 25% — as ordinary income — the year you sell. A seller-financed installment sale spreads that recapture across multiple tax years instead of creating one enormous tax bill.
Always consult a CPA or tax attorney before structuring a seller-financed sale. Every situation is different based on your basis, depreciation history, and income level.
Seller Finance vs. Cash Sale
| Seller Finance | Cash Sale | |
|---|---|---|
| Monthly income | ✅ Yes | ❌ No |
| Spread capital gains | ✅ Yes | ❌ No |
| Earn interest | ✅ Yes | ❌ No |
| Higher net price | ✅ Often | ➖ Maybe |
| Bank fees & points | ✅ None | ✅ None |
| Agent commissions | ✅ None | ✅ None |
| Close in 7 days | ✅ Yes | ✅ Yes |
Who Benefits Most
Free & Clear Owners
No existing mortgage means you keep 100% of every payment. Maximum flexibility to set any terms you want.
Long-Term Owners with Big Gains
Bought decades ago at a low price? Your gain is massive. An installment sale can dramatically reduce your tax bracket each year.
Rental Investors
Years of depreciation deductions mean a large recapture bill on sale. Spreading via installment note softens the blow significantly.
Retirees Seeking Income
Monthly principal + interest payments create reliable income — far better than savings accounts or CDs at today's rates.
Common Questions
Do I have to own the home free and clear?
Not necessarily. Structures like a wrap-around mortgage can work if you have an existing loan. Most conventional mortgages have a due-on-sale clause, so we discuss the right approach for your specific situation.
What interest rate will I earn?
You set the rate. Seller-financed notes typically carry 6%–10%, which significantly outperforms savings accounts, CDs, or most bonds. The calculator above lets you try different rates in real time.
What if you stop making payments?
Your note is secured by a first-position mortgage or deed of trust. If we default, you foreclose — just like a bank — and take the property back, keeping all payments already received.
Can I sell the note later if I need cash?
Yes. Seller-financed notes are a tradeable asset. Note buyers purchase them — usually at a small discount — if you ever need a lump sum before the balloon comes due.
How long does the note last?
You can choose a balloon term (such as 3, 5, 7, or 10 years) or no balloon at all with full amortization. The right structure depends on your monthly income target and liquidity plan.
Ready to Structure a Deal?
Tell us about your property and state. We'll come back with seller-financed terms built around the numbers you want from the calculator.
Request Seller Finance Terms
Tell us your goals and we will structure options around your numbers.