Your Property. Your Monthly Income.

Instead of a bank lending the buyer money, you do. The sale closes with a promissory note and a recorded mortgage or deed of trust securing the property. You receive a down payment up front and monthly payments over an agreed term, at an agreed interest rate.

The paperwork is standard and the closing goes through a title company or attorney, just like any other sale. The difference is who the payments go to: you, not a bank.

Monthly income is the obvious draw — a property becomes a paycheck. But the price matters too: because the buyer isn't paying bank fees and points, seller-financed deals can often support a stronger overall price than an all-cash offer.

It can also spread out a large gain over time rather than realizing it all in one year. Tax treatment is personal and varies, so talk to your tax professional about what an installment sale would mean for you.

Your security is the property itself. The note is secured by a recorded lien, so if payments stop, you have the legal right to foreclose and take the property back — keeping everything paid to that point.

Terms are negotiable: the down payment, interest rate, length, and any balloon payment are all agreed up front and documented. We'll show you exactly what we're proposing and encourage you to review it with your own attorney or advisor before deciding.