We Buy Installment Sales
But what does that mean?
An installment sale (also known as seller or owner financing) is the exchange of real estate for an investment in mortgage notes. This type of transaction starts off the same as any other real estate sale; however, instead of receiving a lump sum payment at closing, the seller receives payment in the form of monthly installments, usually with a market rate interest. This interest-based income substantially increases in the total proceeds from the sale. As an added benefit, installment sales reduce or eliminate the role of institutional lenders, which creates tremendous opportunities to maximize value for both parties and allow for flexible terms.
This type of transaction is not for everyone; however, for certain owners, selling using an installment sale is a savvy form of real estate investment. Whether you're looking to generate passive income, manage your tax status, or get top dollar for your real estate, installment sales could be an invaluable tool to help you realize your goals.
A Wealth of Opportunities
Higher Total Payout
Higher Total Payout
Higher Total Payout
Selling with an installment sale is like winning the lottery and choosing the annuity instead of the lump sum. You receive payment over time and ultimately receive a much larger total payout. For a typical $180k house, this payout could be $260k or more over the life of the deal.
Save on Commissions
Higher Total Payout
Higher Total Payout
Broker's fees take a big bite out of the proceeds from a real estate transaction. Our transactions take place "off-market." That means no brokers and no sales commissions, which in turn leads to large savings in the deal. Already working with an agent? Ask us about paying your sales commission.
Cash Out Options
Higher Total Payout
Manage Capital Gains Liability
Even if you need cash at closing, installment sales can work for you. We have deal structures that allow you to cash out up to 75% of the appraised property value, leaving the rest to be paid with interest over the life of the deal.
Manage Capital Gains Liability
Manage Capital Gains Liability
Manage Capital Gains Liability
Installment sales create opportunities for smart tax planning, including the ability to defer gains on the basis of when the proceeds from the sale are actually recognized. Ask your accountant for more information on your tax status and how you could benefit you from leveraging installment sales as a planning tool.
Robust Source of Fixed Income
Manage Capital Gains Liability
Robust Source of Fixed Income
Enjoy steady monthly income regardless of whether you're at work or play. Our mortgage notes feature a market rate of interest and provide an attractive alternative to treasury bonds and other fixed income assets.
Secured Investment Vehicle
Manage Capital Gains Liability
Robust Source of Fixed Income
Installment sales are secured by a mortgage lien on the transferred property. This gives the seller the same means of recourse that are available to institutional mortgage lenders.
Flexible Terms
Estate Planning Opportunities
Estate Planning Opportunities
Sometimes deals require an extra dose of creativity. With an installment sale, the terms of the contract can be just about anything that works for both the buyer and the seller.
Estate Planning Opportunities
Estate Planning Opportunities
Estate Planning Opportunities
Our mortgage notes are binding upon successors and heirs. Create financial security for your next of kin even when you can't be there for them.
Sell a Fixer Upper
Estate Planning Opportunities
Sell a Fixer Upper
Few institutional lenders will provide financing for physically distressed properties. Installment sales bypasses red tape in the lending process when the property needs work to become habitable.