All cash offer vs owner finance

[Douglas Peterson]

Is a tool on BP or online that can help me quickly calculate what to offer on a house if I pay all cash now vs. owner finance at various rates and terms?

[Michael Quarles]

I'm not certain a calculator would help much. I've always found that there are 5 componants to consider on seller financing.

1) down payment
2) interest rate
3) length of loan
4) number of payments
5) purchase price

I'll pay full value on a no down 100 percent seller financed deal
, 30 year term zero interest with one payment.

Where on a cash deal my rule is to always stay around the 65% of as is value.