Owner-finance your home safely — and never get burned.
The moment you offer owner financing, you become the bank. That's a powerful, profitable position — if you know how to vet the buyer, structure the note, and protect yourself. This Kit hands you the bank's playbook, so you collect steady income with confidence instead of losing your property to a bad deal.
When you become the bank, the bank's risks become yours.
Offering owner financing can sell your home faster, at a better price, with monthly income and a spread-out tax bill. But here's what the "just carry the note!" advice leaves out: banks have entire departments to vet borrowers, structure loans, and handle defaults. As a seller-financer, you're doing all of that yourself.
Trust the wrong buyer, sign the wrong terms, or miss one protection — and you can lose the property and everything you were owed.
These are the mistakes that turn a dream deal into a disaster:
The no-down walk-away
A buyer with little skin in the game stops paying and walks — leaving you to foreclose on someone who had nothing to lose.
The unprotected note
Loose terms and an unrecorded lien leave you with no clear, enforceable way to recover your own property.
The tax surprise
Mishandle the installment sale or the interest rules and the IRS takes a bite you never saw coming.
The seller-targeted scam
Wrap-the-down-payment, straw buyers, strip-and-run — specific cons designed to take advantage of sellers.
The complete seller's playbook — with tools you actually use
Not just what to do, but the fill-in instruments to do it. Ten sections that take you from "should I?" to safely closed.
The Buyer Vetting Scorecard
Score any buyer on a 100-point scale — down payment, income, references, credit — with clear thresholds for who to trust and who to decline. Turns a gut feeling into a defensible decision.
Fill-in toolNote-Structuring Guide
The exact terms that protect a seller — down payment, interest, balloon, late fees, taxes, due-on-sale — and how each one keeps you safe if things go wrong.
The Seller's Term Sheet
A fill-in worksheet you complete before meeting your attorney — organizing every term so you save on legal fees and walk in prepared.
Fill-in toolTwo Worked Example Deals
A safe deal and a risky one, side by side with real numbers — so you can see exactly what good structure looks like and what to avoid.
Worked examplesHow the Taxes Really Work
The installment-sale advantage in plain English — the three income streams and the imputed-interest trap — so you keep more and surprise-proof your return.
Scams That Target Sellers
Six specific cons aimed at seller-financers — and the simple defense that defeats nearly all of them. This is the content almost nobody else covers.
The Late-Payment Letter
A ready-to-use, firm-but-friendly template for the first missed payment — documented, professional, and often enough to resolve it before it escalates.
TemplateServicing, Default & Pro Questions
How to collect and track payments, what to do when a buyer stops paying, plus the exact questions to ask your attorney and CPA.
Done right, owner financing pays you three ways
Steady monthly income
Collect payments like a bank — often at a better interest rate than any savings account, every month for years.
Sell faster, for more
Reach buyers banks turn away, sell as-is with no appraisal demands, and often command a stronger price and quicker close.
Spread your taxes
The installment-sale structure can spread your capital-gains tax over years instead of one big hit — keeping more in your pocket.
Protect your biggest asset for $47
A one-time cost that could save you tens of thousands — and a world of stress — on the sale of your home.
The Seller Financing Protection Kit
- The 100-point Buyer Vetting Scorecard
- Note-structuring guide with seller-protecting terms
- Fill-in Seller's Term Sheet worksheet
- Two worked example deals with real numbers
- Plain-English installment-sale tax overview
- Defenses against 6 scams that target sellers
- Ready-to-use late-payment letter template
- Servicing, default, and attorney/CPA question lists
🔒 Secure checkout via Stripe · Instant download · If you're about to finance a six-figure asset, this is the cheapest protection you'll ever buy.
Built for homeowners becoming the bank
- You own your home free and clear (or nearly) and want to sell it for monthly income instead of one lump sum.
- You're considering owner financing to sell faster, reach more buyers, or spread out your taxes — but the risk worries you.
- You've had a buyer ask you to carry the financing and you're not sure how to protect yourself.
- You're a first-time seller-financer who wants to avoid the costly mistakes that burn unprepared sellers.
- You want to walk into your attorney's office prepared — and save on fees by doing the groundwork yourself.
Before you buy
Is this legal or tax advice?
Who is this Kit for?
What exactly do I get?
How do I get it after paying?
Why $47?
Selling your home with owner financing? List it free.
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Become the bank — safely.
Get the vetting scorecard, the note-structuring guide, the tax overview, the scam defenses, and every tool you need to owner-finance your home with confidence.
Get the Seller Protection Kit — $47 →