Guides to Seller Financing

How becoming the bank works, how you're protected, and why it can make sense in today's market. Short guides with clear visuals — no fluff.

• Becoming the Bank: A Smarter Way to Sell Your Northern Colorado Multifamily Property

  The 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 Protections

  You 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 Stalling

  How 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 Drip

  A 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 Mortgages

  If 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 Property

  Compare 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 Sellers

  Wrap (wraparound), balloon note, and lease option — creative tools to get full price, passive income, and exit without tenants, toilets, or trash.