Seller financing capital gain tax

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All this content with seller financing says one of the benefits is that the seller avoids capital gain tax. But basically the seller is just avoiding paying a capital gain tax all at once and is instead paying this in incremental amounts. They are still paying the same amount of capital gain tax. Is this correct?

Is a favorable seller financing structure to have a 30 am with a ballon payment after 5 years? At this 5 year mark, the seller then goes to a bank to get a mortgage after having more equity in the property?

They're not necessarily paying the same amount of tax. 

By spreading the income over several years you can keep it in lower brackets regarding what rate you pay. 

So $500k in 1 year will have more taxed in a higher rate potentially 


$50k across 10 years