All Forum Posts by: Kendall Brutus

Absolutely love this mindset—persistence and timing are everything with seller financing. It’s amazing how many doors open when you approach sellers with a real solution instead of just an offer. Totally agree that it’s not always about the rate or ROI on paper—sometimes it’s about peace of mind, tax strategy, or just simplifying their life. And you’re right, those off-market conversations are where the magic happens. You’re not competing with 20 offers, just building a relationship and solving a problem. Thanks for sharing your experience—it’s a great reminder to keep planting seeds and stay ready for when the timing lines up.

Thanks for laying that out—it’s a solid snapshot of where the market is right now. You're spot-on about the shift in the value proposition. When banks were offering near-zero yields, private financing at 5% looked like a win-win. But now that treasuries and CDs are reliably offering 5%+ with full liquidity and no risk, private sellers or investors have to stretch to 7–9% just to stay competitive, which makes the numbers a lot tighter.

And yeah, the Dodd-Frank constraints (like the 5-year balloon minimum) limit flexibility for owner-finance deals. Plus, if you're working with a seller who’s not sitting on a lot of equity, it’s easy for closing costs and commissions to wipe out their proceeds unless the buyer brings 15–20% down.

The other big factor you mentioned—borrowers with unconventional profiles—is becoming the main pool again for seller-finance or sub2 deals. It’s less about beating bank rates now and more about serving people the banks won’t touch.

Feels like we're back to the fundamentals: deals work when there's a true problem to solve or a buyer who needs a creative structure. Otherwise, the capital will just chase the safer yield.

Totally get where you’re coming from—and you're right that seller financing is a small slice of the market overall. It's definitely not for everyone, and it can be a headache if you’re chasing every deal hoping it’ll magically convert.

That said, I think seller financing isn’t about replacing all other strategies—it’s about adding another tool to your belt. For investors with little capital, or for deals that don’t work with traditional lending, it can unlock opportunities that others walk away from.

Kind of like niche marketing—less volume, but sometimes higher margins or less competition.

Appreciate the honest take though. Always helpful to hear both sides. Curious: have you done any seller finance deals in the past and sworn them off, or just found more success going the traditional route?

I’ve been diving into creative financing strategies and seller financing keeps popping up—but every time I try to pursue a deal, it seems to go nowhere.

Is it still a viable strategy in today’s market? If so, where are the motivated sellers open to it hiding?

Would love to hear from anyone actively doing these deals—how are you finding them, and what’s working for you right now?

Very inspiring 

got it, thank you for sharing your journey. I'm excited to see what my journey brings.

That is definitely inspiring Victor. I love the dedication of not giving up and eventually received a second chance. truly remarkable. Thank you for sharing. I see you started your own firm as well. What was that challenge like?

Hi everyone! I've been away from BP for a little while, but now I’m back and excited to dive in and learn as much as I can. During my time away, I’ve explored different brokerages to hang my license, and I’m proud to share that I’ve now opened my own firm here in the Bay Area!

I’ve heard so many inspiring stories about members who started with nothing and now own multiple properties by taking a chance. My question is, who gave you that first chance? Did you have someone or something backing you up? I do have a silent investor, but when it comes to securing funding, it often feels like I’m navigating it alone.

I’d love to connect and hear your thoughts. Let’s chat!

I’ve mainly use the mls since I’m a realtor and I’m somewhat not familiar with other sites. But I’ve found this one https://www.thepropertymarket....and registered, not sure what to expect yet but just wanted to get feedback from you all.

@Allen McGlashing you’re partially correct, ultimately I plan to open a successful resort. Real estate investment will build the cash flow needed.