Hi everyone,I’ve been seeing more owner-financed and private mortgage notes being created lately, especially with higher interest rates and tighter bank lending.

Is it worth exploring self-financing/owner financing in a situation like ours?

Many landlords eventually reach a point where traditional underwriting becomes restrictive.At what stage did you start considering DSCR financing instead of conventional loans?

What’s the best way to find landlords willing to do seller financing in this price range?

To recap here are the players:Land owner (myself): will provide the land.Developer: will private investors, oversee the project from beginning to end (estimated 2 years).Investors: will provide funds for the project.Thanks you for your help in advance.

Owner is in a nursing home, on Medicaid (Florida), and cannot return home. 

Seller financing has been the single most important tool in building my storage portfolio.

Yes — financing structure often shapes how proactive you can be with upgrades.When loan terms create tight cash flow, owners tend to focus on essential repairs and short-term fixes just to keep operations stable.

I have a home I want to sell to my current tenant, I own the home free and clear , what is the best way to do owner financing but being safe not to get taken advantage of.

(There is a popular guy on Facebook right now, on a USA tour in fact,  that doesn't teach or worry about that phase, "counting the cost", but to me, it's critical )Then once you know your numbers we have something to look forBecause it's "simple" to buy a house with creative financing, but it's complicated to do it profitablyOnce you sign a lease option to sell, it's a binding contract.So, to be successful you need to know your numbers.Start with how much you are willing to invest up front, consider marketing costs, most properties require some clean up or repairs, add in  holding costs while looking for a buyer, two or three months of expenses and that gives you an idea of how much you'll put into the property up front.Then, with a general idea of that, run the numbers at about 6% interest on the carry back to determine how much that adds to your monthly expense.So, if you can find a property where the seller is willing to do an equity carry back, of say $50,000 (or whatever the excess equity is) at 6% you add that payment to the existing payment to figure out how much you are on the hook for each monthIn a Subject To, (SubTo) that payment has got to be made every month without fail or you face serious problems.