CalculateRealEstateROI

Financing

Creative Financing

Non-bank capital structures — seller carry, subject-to, lease-options, partnership equity, private money.

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

Core concepts

Use case

When traditional financing isn't available or doesn't pencil.

Legal sophistication

Each structure has specific legal risks requiring attorney.

Examples

  • Seller carry on $300k purchase: $50k down, $250k note at 6%, 30-year amort, 7-year balloon.

Practical applications

  • Off-market acquisitions.
  • Aging seller seeking installment income.

Common mistakes

  • Skipping title insurance on owner-carried deals.
  • Subject-to without attorney.