Sell Your Florida Home on a Note — You Set the Terms
Florida homeowners: carry the mortgage, earn interest, and spread your capital gains. We buy houses throughout Tampa Bay and Pasco County with seller financing structured around your financial goals.
Request Seller Finance Terms
Tell us your goals and we will structure options around your numbers.
Why Florida Homeowners Choose Seller Financing
The Florida market creates specific situations where seller financing is not just a good idea — it is the smarter financial move.
Florida Property Values Have Soared
Tampa Bay home values have increased dramatically over the past decade. Long-term owners are sitting on massive capital gains — and a lump-sum cash sale means a massive tax bill. A seller-financed installment sale spreads that gain across multiple years.
Snowbirds and Part-Time Residents
Many Florida owners are out-of-state residents or retirees with second homes. Seller financing creates a dependable monthly income stream that can fund travel, lifestyle expenses, or supplement retirement income — without parking the money in a bank at low yields.
Rental Property Investors with Depreciation History
Florida attracted thousands of rental property investors over the years. If you have been depreciating your property, selling it triggers recapture taxed at up to 25% as ordinary income. Spreading that via a seller-financed note is one of the few legal strategies to soften the blow.
Hurricane and Insurance Challenges
Florida homeowners increasingly face rising insurance premiums and insurability issues. A seller-financed sale lets you exit the property without the lengthy traditional listing process, repairs, inspections, and the insurance scrutiny that kills deals at the last minute.
Florida Seller Finance by Situation
Start with the scenario that matches your property. Each guide covers fit, sample terms, and next steps.
Inherited House in Florida
Turn inherited equity into monthly income instead of one taxable lump sum.
Read Inherited Property Guide →House Needs Roof or Major Repairs
Skip expensive repairs and still create strong monthly return terms.
Read Major Repairs Guide →Landlord Exit and Rental Burnout
Exit property management while keeping income through a secured note.
Read Landlord Exit Guide →Time Pressure, Default Risk, or Urgent Sale
Move quickly now without giving away all long-term upside.
Read Time Pressure Guide →Florida Markets We Buy in with Seller Financing
We are actively purchasing homes throughout the Tampa Bay corridor and Pasco County using seller-financed structures.
Tampa
Hillsborough County
St. Petersburg
Pinellas County
Clearwater
Pinellas County
Largo
Pinellas County
Land O' Lakes
Pasco County
Wesley Chapel
Pasco County
Holiday
Pasco County
New Port Richey
Pasco County
Hudson
Pasco County
Spring Hill
Hernando County
Brandon
Hillsborough County
Palm Harbor
Pinellas County
Don't see your city? Contact us — we consider properties throughout Florida.
The Capital Gains Reality for Florida Sellers
Florida has no state income tax, which is great — but federal capital gains tax still applies when you sell real estate at a profit. Long-term capital gains rates are 0%, 15%, or 20% depending on your income, and high-income sellers often add a 3.8% Net Investment Income Tax on top of that.
If you purchased your Tampa home for $150,000 ten years ago and it is worth $450,000 today, you are looking at $300,000 in potential taxable gain (minus any exclusion if it was your primary residence). In a cash sale, that entire gain is recognized in one year.
With a seller-financed installment sale, only the portion of gain corresponding to each principal payment you receive in a given year is recognized that year. For many sellers, this is the difference between staying in the 15% capital gains bracket versus jumping to 20% plus the NIIT surcharge — potentially saving tens of thousands of dollars.
This is not tax advice. Every seller's situation is different based on their basis, prior exclusions used, income level, and depreciation history. Always work with a qualified CPA or tax attorney before structuring a seller-financed sale.
Sample Florida Seller Finance Structures
Every deal is different. Here are three example structures to illustrate how flexible seller financing can be:
Retired Homeowner — Income Focus
- Price: $280,000 • Down: $28,000 (10%)
- Balance: $252,000 at 8% interest
- Balloon: 10 years
- Monthly payment: ~$1,849/month
- Total interest over 10 years: ~$96,000+
Rental Investor — Recapture Management
- Price: $350,000 • Down: $50,000
- Balance: $300,000 at 7.5% interest
- Balloon: 5 years
- Monthly payment: ~$2,097/month
- Depreciation recapture spread over 5 tax years
Snowbird — Quick Exit, Steady Income
- Price: $220,000 • Down: $44,000 (20%)
- Balance: $176,000 at 9% interest
- Balloon: 3 years
- Monthly payment: ~$1,415/month
- Clean exit + 3 years of income before balloon
* Illustrative examples only. Consult a tax professional for your situation.
What You Control
- Purchase price: You name your price — no appraisal dictating your number
- Interest rate: Typically 6%–10% — you decide
- Down payment: The more down, the faster you recover basis
- Balloon term: 3, 5, 7, or 10 years — your choice
- Amortization: Usually 30-year am with a balloon
Your Security
Your note is recorded as a first-position mortgage or deed of trust on the Florida property. This is a legal lien — the same security position a bank holds when it makes a home loan.
If we default, you can foreclose under Florida law and take the property back, keeping all payments already received. Your downside is protected.
Let's Talk About Your Florida Property
Tell us about your property and what you want out of the sale — price, income, tax spreading, or all three. We will come back to you with a seller-financed offer built around your goals.
Prefer to talk?
Call 727-497-7766Request Seller Finance Terms
Tell us your goals and we will structure options around your numbers.
Also Buying Houses for Cash in Florida
Need a fast all-cash sale instead? We also buy houses as-is throughout Tampa Bay for cash — close in as little as 7 days.
See Cash Home Buying in Florida