Northern Colorado · Multifamily · Seller Financing
You Built This Over Decades.
Don't Hand $90,000 of It to a Bank, an Agent, and the IRS.
Seller-financed exits for Northern Colorado multifamily owners.
Most NoCo landlords sell the traditional way and walk away with 30% less than expected. There's a structure that flips that — and we'll show you exactly what it looks like for your property.
18 questions · no obligation · free analysis
The Problem
The Traditional Sale Has a Hidden Haircut
On a typical $460K Northern Colorado 4-unit, here's what quietly disappears before you see a dollar.
~$90,000
Gone before you see a dollar
Agent commissions (6%) + closing costs + capital gains tax on a $460K sale. That's not the price — that's the haircut.
70% smaller
Buyer pool since rates hit 7–8%
When bank rates outpace cap rates, buyers can't make the math work. You're competing for the same small pool of cash buyers who know they have leverage.
$0 / month
Income after a traditional close
One lump sum — taxed heavily — then silence. The asset that paid you for years stops paying the day you hand over the keys.
The Solution
Become the Bank. Get Paid Like One.
Seller financing means you set the terms, collect the down payment, and receive monthly principal + interest directly — no bank in the middle, no agent carving off 6%, no day-one tax event. The buyer pays you instead of a lender.
Traditional sale
Seller financing
What You Get
Three Outcomes a Traditional Sale Can't Touch
01
$297,000 more
over 7 years on a typical NoCo 4-unit
vs. a traditional sale after commissions and capital gains. Real numbers from a real case study — in our free playbook.
02
$2,731 / month
steady income with zero landlord headaches
10% down, 6.5% interest, 30-yr amortization. Monthly principal + interest, paid to you. No tenants. No toilets. No calls.
03
Weeks, not months
to close — no bank underwriting
No 90-day approval windows, no appraisal delays, no deal-killing conditions. When the fit is right, we move fast.
The Process
Simple. Fast. No Surprises.
Tell us about your property
Fill out our quick form or full inquiry — takes 3 minutes. Property address, unit count, timeline, what you're hoping for.
We run the numbers for your property
We model 2–3 seller finance scenarios with real figures and show you exactly what you could walk away with. Free, no obligation.
You decide if it makes sense
We present the options. You ask every question you have. No pressure — if the numbers don't work for you, we'll say so.
Close and start collecting
Attorney drafts the note. Title company handles closing. A loan servicer collects and forwards your monthly payment. Your job after close: check your bank account.
Free Download
The Seller Finance Playbook
The full case study, the numbers, the zero-down structures, and the 5 biggest objections answered. Free PDF — no signup.
- ✓ Full 4-unit comparison: $370K traditional vs. $668K seller financed
- ✓ Zero down structures — when they work and how to protect yourself
- ✓ Deal timeline: first call → monthly check
Not sure if it's the right time?
18 quick questions about your property, timeline, and goals. We'll show you exactly what your options are — and whether a creative exit could net you more than a traditional listing.
Discover My Options →Go Deeper
Short guides — clear visuals, no fluff. How this works, how you're protected, and why it makes sense in today's market.
- →Becoming the Bank: A Smarter Way to Sell Your Northern Colorado Multifamily PropertyThe You-Are-The-Bank method: avoid the bank trap, agree on terms directly with the buyer, and enjoy passive wealth with zero maintenance calls.
- →How Seller Financing Works — Mechanism and Legal ProtectionsYou replace the bank, receive direct monthly payments, and use a standard installment sale. See how the note, deed of trust, and professional closing protect you.
- →What Happens If the Buyer Stops Paying?The landlord way means eviction stress and financial loss. The bank way means you're secured by the note, keep every dollar received, and get the asset back.
- →The Rate Squeeze Timeline: Why Traditional Sales Are StallingHow rising rates from 2020 to 2024 squeezed the buyer pool — and why seller financing at ~6% makes deals viable again in Northern Colorado.
- →The Tax Bill: One Big Hit vs. The Slow DripA Northern Colorado multifamily case study: traditional cash sale vs. seller financing. See how spreading capital gains over 7+ years can put more in your pocket.
- →Subject-To (SubTo) and Assumable MortgagesIf you have a low interest rate, the buyer can assume your mortgage — often an even better deal than pure seller financing. What SubTo is and when it fits.
- →Three Ways to Sell Your Multifamily PropertyCompare traditional sale, seller financing, and subject-to — who sets the rules, what you get, and which path fits: Clean Exit, Passive Income, or Low-Rate Advantage.
- →The Creative Exit Toolbox: Tools for Savvy SellersWrap (wraparound), balloon note, and lease option — creative tools to get full price, passive income, and exit without tenants, toilets, or trash.