CalculateRealEstateROI

Financing

How do I negotiate seller financing?

Target free-and-clear sellers (no mortgage), pitch tax deferral and steady income, and structure with title insurance and an escrow servicer.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Direct answer

Target free-and-clear sellers (no mortgage), pitch tax deferral and steady income, and structure with title insurance and an escrow servicer.

Expanded explanation

Best candidates: older landlords tired of management, free-and-clear, who don't want a 1031 deadline. Lead with tax benefits of installment sale (avoid lump-sum capital gains).

Examples

  • $250k purchase: $50k down, seller carries $200k at 6%, 30-year amort, 7-year balloon.

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