Financing
Seller & creative financing
Sometimes the seller—or the situation—is the bank. These paths win when documentation, tax, and exit timing are thought through before signatures.
Use the guides below for installment sales, carryback, subject-to style thinking, and hybrid structures. If you are unsure whether this lane is even appropriate, text first—creative is powerful and easy to get wrong.
When a clean refi or purchase loan is still the endgame, pair this read with purchase or refinance financing so the handoff is explicit.
Pick the lane that matches your deal
Seller financing
The seller carries paper—useful for business sales, land, and real estate when banks lag or when terms need to bridge disagreement on price.
Installment logic · risk to both sides
Creative finance
Subject-to, lease options, wraps, and other non-standard tools when conventional underwriting is not the right gate.
Legal and title discipline required