Sell the house. Keep the income.
Seller financing means you sell your Florida property to us and hold the note — a down payment at closing, then monthly payments with interest, secured by a recorded mortgage on the property. For free-and-clear owners, it can turn a one-time sale into years of dependable income.
Installment-sale timing may fit your tax planning — ask your CPA. We bring the numbers, not tax advice.
Illustrative terms — adjust the levers.
How seller financing works.
Three moving parts, all documented by a Florida attorney and title company at a normal closing.
You sell, we buy
Standard purchase contract and title closing — but instead of a bank funding the purchase, you carry the financing.
You hold the note
We sign a promissory note and mortgage in your favor, recorded in county records. Down payment at closing, then monthly principal and interest.
The house secures it
If payments ever stopped, the recorded mortgage gives you the same core remedy a bank has: foreclose and take the property back. That’s your collateral.
Cash sale vs. carrying the note.
Neither is universally better — they solve different problems. We’ll show you both structures for your property.
| Option AStraight cash sale | Option BSeller-finance note | |
|---|---|---|
| What you receive | One lump sum at closing | Down payment now + monthly principal & interest |
| Timeline | Fastest, cleanest exit — done in days | Close quickly; income continues for the note term |
| After closing | No ongoing connection to the property | You hold a recorded note; servicing can be professional |
| Tax timing | Gain typically recognized in the sale year (ask your CPA) | Installment timing may spread recognition — CPA question |
| Usually fits | Maximum cash now; foreclosure deadlines | Free-and-clear owners who value income + interest |
Seller-finance scenario guides.
Inherited Property
Turn inherited equity into monthly income instead of one split payout.
Read the guide →What sellers ask about carrying a note.
Q.What happens if you stop paying?
The recorded mortgage protects you. Like a bank, you can foreclose and take the property back — keeping the down payment and every payment made. Your attorney documents that security at closing.
Q.Who handles the paperwork and payment tracking?
A Florida attorney and title company document the sale, note, and mortgage. Payments can run through a professional loan-servicing company that tracks balances and sends statements to both sides.
Q.Is the interest rate negotiable?
Yes — rate, down payment, term, and balloon are all part of the negotiation. We'll show you how each lever changes your monthly income and total scheduled interest.
Q.What about taxes?
Many sellers ask about installment-sale treatment, which can spread gain recognition across the years payments are received. Whether that helps depends on your situation — we provide the numbers for your CPA, not tax advice.
Q.Can I still get some cash up front?
Yes — the down payment is negotiable, and some sellers structure a larger down payment with a shorter note. Tell us what balance of cash-now versus monthly income you want.
Get real note terms for your property.
Tell us about the house. We’ll underwrite it and present seller-finance terms in writing — down payment, monthly income, rate, and balloon.
- 📋 Real numbers for your property, not generic examples
- 🕐 Same-business-day response
- 🤝 No obligation — compare us to a listing if you want
Request seller-finance terms
Prefer to talk it through?
727-497-7766Educational, no-pressure conversation about whether a note fits your property and goals.