As a commercial broker we hear a ton about concerns in finding a suitable property to exchange in to. If you have a property that say you had for 20+ years and you still owe say 100k to a traditional bank but it is now worth  700k, can you pay off the 100k with the proceeds of the sale and owner finance the rest 560?

2) If you owner finance, can you get out of paying back depreciation?

3) If you owner finance, can you not pay capital gains on the sale or at what point would you need to pay capital gains?