Can I Offer Seller Financing If I Still Have a Mortgage?
You may be able to, but first determine how the existing loan will be paid off or otherwise handled with lender consent and legal review.
Read the guideSeller Mortgage Capital
Commercial Seller Financing Resources
Understand the cash, credit and tax questions behind carrying a note—before you commit to a commercial property sale.
Should I Offer Seller Financing?
Consider seller financing only if the proposed loan fits your cash needs, risk tolerance and the buyer’s demonstrated ability to repay.
Read the guideHow Much Down Payment Should I Require?
There is no single right percentage. Start with the funds needed at closing, then separately evaluate whether the remaining loan is an acceptable risk.
Read the guideUnderstanding Balloon Payments in Commercial Seller Financing
A balloon is the unpaid principal due at maturity. A long amortization schedule does not give the buyer that long to repay when the note matures earlier.
Read the guideHow to Evaluate a Seller-Financing Buyer
Evaluate the proposed buyer as a borrower—not just as someone offering your asking price. Underwriting supports a decision but cannot guarantee repayment.
Read the guideInstallment Sale Tax Considerations for Commercial Property
Seller financing can change the timing of eligible gain recognition, but it does not automatically defer every tax or reduce the total tax owed.
Read the guideSeller Financing vs. Carryback Financing
Seller financing and seller carryback often describe overlapping arrangements: the seller finances part of the purchase price. The actual documents define the obligations.
Read the guide