Sell Your Property, Keep the Cash Flow and Spread Out Your Taxes
Owner financing lets you sell your Hudson Valley property while collecting monthly payments with interest — often attracting more buyers and spreading capital gains over time.
- Serving Ulster, Orange, Dutchess & Sullivan Counties
- 15+ years of real estate & property experience
- Call or text (845) 402-0555
Why Sellers Choose Owner Financing
Steady Monthly Income
Receive principal and interest payments instead of one lump sum.
A Bigger Buyer Pool
Reach buyers and investors who have limited access to traditional loans.
Potential Tax Deferral
An installment sale may let you report the gain as payments are received rather than all in the year of sale.
Secured by the Property
Your note is secured by the real estate you sold.
Popular Seller-Financing Structures
Note & Mortgage (Seller Carryback)
The buyer takes title; you hold a first or second note secured by the property. Notes can often be sold or assigned later.
Land Contract / Contract for Deed
The buyer makes monthly payments and receives the deed after payoff; you keep title until then.
Lease Option / Lease Purchase
The buyer rents with an option to buy — often a fit for buyers rebuilding credit.
Wraparound
Payments wrap an existing low-rate mortgage. Requires careful legal review of the existing loan terms.
Interest-Only With Balloon
Lower monthly payments with a lump-sum payoff at a set date.
What Owner Financing Could Look Like
You sell a $600,000 rental property and carry a $500,000 note at 7% interest, fully amortized over 10 years.
- Monthly payment to you: about $5,805 (principal + interest)
- Total interest earned over 10 years: about $196,600
- Capital gain potentially reported over the life of the note
Illustration only. Actual terms, payments and tax treatment vary. Depreciation recapture is generally taxed in the year of sale even in an installment sale. This is not tax, legal or financial advice — consult your CPA and attorney.
See If Seller Financing Fits Your Property
Tell us about your property and goals, and we will walk you through your options.