Seller Financing
You act as the bank, receiving monthly principal and interest installment payments secured by a recorded mortgage or deed of trust.
How This Selling Option Works
With Seller Financing (or an installment sale / Michigan Land Contract), you provide financing directly to the buyer rather than requiring an institutional mortgage. You receive an upfront cash down payment plus monthly principal and interest payments at an agreed interest rate, secured by a recorded legal mortgage on the property.
Terms Structuring
Agree on purchase price, down payment, interest rate, monthly installment amount, and balloon payoff timeline.
Legal Escrow & Security Instruments
A formal Promissory Note and Mortgage (or Land Contract) are drafted and recorded with the county register of deeds.
Automated Monthly Servicing
A third-party loan servicing company collects payments, issues annual 1098/1099 tax statements, and deposits funds directly into your bank account.
When It May Fit
- You own the property free and clear (no mortgage) or have substantial equity.
- You want monthly passive cash flow without dealing with tenant calls, toilets, or maintenance.
- You want to defer capital gains taxes over time through installment sale reporting.
- You want higher interest returns than conventional savings accounts or CDs.
Major Considerations
- Your principal is secured by the real property itself—if default occurs, you retain the legal right to foreclose or forfeit and reclaim the home.
- You pay zero landlord maintenance or property management expenses once the deed transfers.
- All terms are fully negotiated and agreed upon upfront.
What Terms Real Estate Needs
To structure this transaction accurately and produce net numbers, our acquisitions desk requires basic property facts:
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Compare Other Selling Options
Not Sure — Compare My Options
Unsure which path fits best? We analyze your equity, timeline, and property condition side-by-side to identify your highest net return.
Traditional MLS Listing
List on the open market through licensed real estate agents when you have time, standard retail condition, and want maximum public exposure.
Direct Cash / As-Is Sale
A guaranteed direct cash purchase with private capital. No bank loan approvals, no appraisals, zero cleanout work, and closing in days.
Subject-To
We purchase your property subject to the existing financing, taking over monthly mortgage payments via an independent third-party loan servicer.
Novation / Structured Retail Sale
We fund and coordinate value-add aesthetic renovations to achieve peak retail price on the MLS, while guaranteeing your target net equity.
Lease-Option
Lease the property to a vetted buyer with an agreed-upon purchase option, collecting steady monthly premium rent while locking in future sales proceeds.