How to structure an attractive VTB deal

Toronto, Canada
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How to structure an attractive VTB deal

Claudia Rodriguez-LarrainPro Member
Member since 2026 · 10 posts · 4 votes

I am looking to acquire a VTB rental investment deal with no money down and monthly interest and principal payments for 2 years before getting an A lender mortgage. How should I structure it to make it attractive for a seller? How much of listing price should I offer? Thanks

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  • Jimmy LieuBusiness Member
    Real Estate Agent · Columbus, OH · Member since 2019 · 3k+ posts · 2k+ votes
    2mo
    Quote from @Claudia Rodriguez-Larrain:

    I am looking to acquire a VTB rental investment deal with no money down and monthly interest and principal payments for 2 years before getting an A lender mortgage. How should I structure it to make it attractive for a seller? How much of listing price should I offer? Thanks

    Welcome to BP! A no-money-down VTB deal is definitely possible, but the biggest factor isn't usually the purchase price—it's reducing the seller's risk. I'd focus on offering terms that make them feel secure, like a strong purchase price, proof that you can make the monthly payments, a clear refinance plan at the end of the two years, and perhaps a balloon payment if you don't refinance sooner. Some sellers also like having the property secured with a first-position mortgage and a personal guarantee. As for price, there isn't a set percentage above or below asking. If the seller is giving you favorable financing, they're already providing value, so paying close to asking can make sense if the numbers still work. On the other hand, if the property needs work or has been sitting on the market, you may have room to negotiate. I'd underwrite the deal based on cash flow first, then structure terms that solve the seller's needs rather than starting with a discount. Happy to connect and answer any questions you have!
    [email protected]614-300-7535
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  • Claudia Rodriguez-LarrainPro Member
    OP
    Member since 2026 · 10 posts · 4 votes
    2mo

    Thank you so much. I really appreciate all the thoroughness

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