• OWNER CARRY IN LIEU OF CASH
  • Seller Financing supports "FULL PRICE"
  • Seller Carry Purchase Agreement
    • Successfully Negotiating Terms
• REQUIRED DISCLOSURES
  • Mandated notices for "Risk Management"
• BUYER'S CREDIT AND SELLER APPROVAL
  • Owner Carry & the "Informed" Decision
• DEFAULT & DELINQUENCY NOTICES
  • Protection of the last resort
  • Evaluating the Seller Carry note
  • The financial function of a discount
• THE PROMISSORY NOTE
  • Evidence of the debt
  • Special Provisions for a Promissory Note
• BASIC PROVISIONS IN TRUST DEED NOTES
  • Minimum elements for enforceability
  • Beyond fundamental debt obligations
    • A Modernized Trust Deed
    • Reflecting enforcement limitations
• DUE-ON SALE REGULATIONS
  • Rising rates may bring lender interference
• DUE-ON SALE WAVER & JUNIOR FINANCING
  • Planning to prevent lender interference
• AITD AND THE NOTE
  • Flexible owner carryback financing
  • AITD leveraged YIELD
  • Promissory Note & Trust Deed Rider
    • Negotiating interest rate & payment
• SUBORDINATION OF THE TRUST DEED
  • Altering priorities by agreement
• CONVERTING NON-RECOURSE TO RECOURSE
  • Eliminating or Substituting the Security
• NO DOWN PAYMENT - OWNER WILL CARRY
  • Minimizing the Risks of Default
• THE DOWN PAYMENT NOTE
  •  Buying property by Creating Paper
• SELLER CARRY FORECLOSURE
  • Resale Costs with Owner Seller carry
  • Protection is by Disclosure

       

• INTEREST REPORTED ON A CARRYBACK NOTE
• Charge or impute the note's AFR
• TAX IMPACT ON SELLER FINANCING
• Installment sale defers profit reporting

OWNER - SELLERS
Agent Owners too!

LENDER ASSISTED MARKETING
You want Buyers, I want Loans!

Complimentary FREE Marketing Services
Available to Owner Sellers



Call for Confidential Consultation
"Marketing for Mutual Success"
(949) 734-1691

Rod Graves NMLS# 324581 DRE# 00870696 (949) 734-1691            rod@SanDiegoCounty4sale.com rod@OrangeCounty4sale.com

LOCAL Web Site Exposure

 

Additional Web Site Exposure



www.OrangeCounty4sale.com

www.LasVegas4sale.com

SanDiegoCounty4sale 

SanDiegoCounty4sale and our related community sites are dedicated to serving the Owner Seller.  We assist San Diego owner sellers to maximize their exposure and offer sound advice to Owner Sellers of real estate.   Many of our featured FSBO properties in San Diego County offer seller carry back financing.  Buyers looking for seller carry financing need to exhibit patience in finding the right property with the right seller.  Sellers in San Diego who are willing to carry the 1^st Trust Deed usually require a down payment of 20% or greater.  Sellers who are willing to carry a 2^nd Trust Deed typically subordinate to the 1^st Trust Deed based on their down payment terms.  Please seek a San Diego (local) professional counsel on ANY property listed with a local MLS service or “For Sale By Owners” that offer owner carry terms.

Owner - Seller Real Estate Financing

Buyers need to be aware that owner financing (when available) requires a “strong” down payment and complete disclosure of BOTH the seller terms and the buyer qualifications.  Lease Option, AITD, Purchase Option, Rent to Own or ANY form of Seller & Owner carry should require due diligence and disclosure on the part of both Buyer & Seller.   

Seller & Property terms need to disclosed regarding “RISK” relative to both parties.  Short term objectives should always be evaluated and weighed against long term risks.  In many cases a Real Estate attorney would be recommended to mitigate potential issues that may surface down the road.  When looking at FSBO aka "For Sale by Owner", Seller Carry, Owner Carry or any offering that indicates alternative financing one must understand the balance and benefits relative to risk.   Successfully negotiating an "owner carry" or terms that allow one to become a home owner CAN be a rewarding experience for both buyer & seller.  If you are looking for a property that may offer a "seller carry" in San Diego please fill out our request form.  Complete story..CLICK HERE.

Home prices continue to chug along the upward trajectory.

The latest edition of the S&P/Case-Shiller Home Price Index shows that home prices rose in all 20 metropolitan areas the index tracks. What's more, not only were prices up, they were up strongly: Prices in the aggregate rose 1.2% month over month in February, which, when combined with previous monthly increases, produces a 9.4% year-over-year price gain – the highest annual gain since 2006.

To state the obvious, home prices have been on tear over the past 12 months. Many metropolitan regions have experienced double-digit year-over-year gains, and a select few are approaching triple-digit gains.

How times have changed.

In the dark days of 2009 and 2010, when home prices were continually trending lower, we repeatedly championed the need to remain positive. To be sure, the ride down was painful, but we reasoned that prices always bottom. Today, we see that in the majority of local markets prices have not only bottomed but have recovered nicely.

Prices continue to recover, and in many markets the price recovery has advanced to the point where prices are approaching previous highs. This tells us that the housing recovering needs to be viewed with a more discerning eye. We say that because this is a recovery unlike any other. 

 
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