Seller financing and realtors

[Agustin Rossi]

Does seller financing works when there is a realtor involved helping the seller sell their home? Thanks!

[Mohammed Rahman]

Hey @Agustin Rossi - the answer is that it depends on your offer. 

Seller financing is a great way for the seller to avoid a lump sum capital gains tax, and still make steady/expected income on a property even after they sell it. 

However, if a property is on the market then most times the seller is looking for a retail buyer to buy it so they can net the full amount (minus their liabilities). 

Having a broker represent the seller isn't necessarily a deal killer, but you have to ensure that you're explaining what the offer structure is to them clearly because they will have to explain it to the seller as well. 

Additionally - it helps if you reinforce to the broker that their commission will still be paid out. 

Most brokers have no idea how seller financing or creative financing deals work and are averse to presenting it to their clients because of that AND because they're concerned how it will affect their pocket - like all of us probably would be too if we were in their shoes.