Specialist · FL · Member since 2026 · 3 posts · 4 votes
Been approaching deals that have been sitting 300 to 500 days with owner carry proposals instead of conventional financing. The math usually works out better for both sides when you take the bank out of the equation.
What I keep running into is sellers who self manage and self insure. Those two line items completely change the picture when you normalize expenses for real ownership costs.
How are you handling that conversation with sellers or brokers? Do you bring it up before or after you have the financials?
Open to connecting with anyone working this angle.
Investor · Pacific Northwest · Member since 2026 · 65 posts · 16 votes
5mo
The self-manage/self-insure gap is real. I spent a year doing operations inside a creative finance shop, and that delta between stated and normalized expenses blew up more deals than bad structure ever did. Get the financials first, run your own normalized numbers, and show the seller the gap side by side. Turns the conversation from opinion into math. Good underwriting calculators can help you bring this out, but of course your assumptions will always influence the outcome.