Sell Your Holiday House on a Note.
Become the Bank.
Instead of one cash check, you carry the mortgage. We pay you monthly — principal plus interest — on terms you set. Use the calculator to see exactly what you'd earn.
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
Pasco County's Growth Creates Seller Finance Opportunities
Holiday and the broader Pasco market have grown significantly. Sellers with long-term holds can earn strong yields carrying the note — often 6–10% annually — while spreading capital gains over the balloon term.
Holiday is one of Pasco County's most affordable communities — a densely residential area in western Pasco with a high percentage of elderly residents, older homes, and a working-class character. Holiday was built out primarily in the 1960s–1980s, and that housing stock is aging rapidly. The community has one of the highest concentrations of older residents in Pasco County, which means estate sales, assisted living transitions, and medical hardship situations are among the most common seller scenarios we encounter here.
The calculator above lets you model your specific Holiday property. Adjust the sale price, down payment, interest rate, and payoff plan until the numbers match your goals, then reach out and we'll structure the deal.
Why Holiday Sellers Carry the Note
Monthly Passive Income
We send principal + interest to you every month for the life of the note — far better yields than savings accounts or CDs.
Spread Your Capital Gains
IRS §453 lets you recognize gain proportional to each payment received — not all in year one. Ideal for long-term Holiday owners.
First-Position Security
Your note is secured by a recorded first-position mortgage on the Holiday property — same protection a bank holds.
You Set the Terms
Interest rate, down payment, balloon timeline — every number is negotiated around your financial goals, not ours.
The Tax Advantage Most Holiday Sellers Miss
Installment Sale — IRS §453
Sell for cash and the IRS taxes your entire capital gain in year one. Sell on an installment note and you only recognize gain proportional to each principal payment. Spread the gain over 5–10 years and you may stay in a lower bracket every year.
Depreciation Recapture for Rental Owners
If you've rented your Holiday property, years of depreciation deductions create a recapture tax of up to 25% ordinary income on sale. An installment sale spreads that recapture across multiple tax years instead of one enormous bill.
Always consult a CPA or tax attorney before structuring a seller-financed sale. Every situation differs 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 |
Holiday Seller Finance Questions
Do I need to own my Holiday home free and clear?
Not always, but it's simplest when there's no existing mortgage. If you have a loan, we discuss structures like a wrap-around mortgage. Most conventional loans have a due-on-sale clause, so we walk through the right approach for your specific situation.
What interest rate would I earn on a Holiday seller-financed note?
You set the rate. Holiday seller-financed notes typically carry 6%–10% annually — significantly outperforming savings accounts, CDs, or most bonds. Use the calculator above to model different rates in real time.
What if you stop making payments on my Holiday property?
Your note is secured by a first-position mortgage. If we ever default, you can foreclose — exactly like a bank — and take the property back, keeping all payments already received.
Can I sell my Holiday note later if I need a lump sum?
Yes. Seller-financed notes are a tradeable asset. Note buyers purchase them — typically at a small discount — if you need cash before the balloon comes due.
How does this help with capital gains on my Holiday property?
Under IRS §453 installment sale rules, you only recognize the proportional capital gain as you receive each principal payment. Spread over a 5–10 year balloon, you may stay in a lower tax bracket every year instead of one large tax bill.
Looking for a situation-specific structure?
Explore seller-finance guides for inherited properties, major repairs, landlord exits, and urgent sale timelines.
Ready to Structure a Holiday Deal?
Tell us about your Holiday property. We'll come back with a seller-financed offer built around the numbers from the calculator above.
Request Seller Finance Terms
Tell us your goals and we will structure options around your numbers.