Review the property and buyer profile
Asset, market, and likely buyer pool for a seller-finance sale.
Seller Financing
Seller financing options for Texas commercial property owners.
A full cash sale is not always the only path. Seller financing may help some commercial property owners create income, reach more buyers, improve deal structure, and exit on terms instead of taking one lump-sum offer.
Seller financing is not right for every property or every owner. But when structured correctly, it can create a powerful exit path for owners who want income, flexibility, and potentially better pricing than a discounted cash sale.
When seller financing may make sense
Common owner situations
- You own the property free and clear or have manageable debt.
- You want monthly income after the sale.
- You want to create a note instead of just selling the asset.
- You are open to a larger buyer pool.
- You want to avoid a fire-sale discount.
- You have a property that may be hard for traditional lenders to finance.
- You want a structured exit instead of an immediate full exit.
- You want to sell but still keep some control through collateral and terms.
Commercial property types that may fit
Where seller finance often works
- Small multifamily
- Residential rental portfolios
- Mobile home parks
- RV parks
- Self-storage
- Warehouses
- Flex buildings
- Commercial land
- Small retail or mixed-use
- Special-situation commercial assets
How RAW Commercial can help
From structure to execution.
Evaluate structure
Down payment, interest rate, term, amortization, and balloon options.
Compare cash vs. seller finance
Honest, side-by-side trade-offs against a cash-sale path.
Structure the strategy
Build a seller-finance plan that aligns with your goals.
Review risk and execution
Default risk, collateral, servicing, and back-up plans.
Coordinate professionals
Legal, title, servicing, and closing partners when appropriate.
Example structures
Educational examples only.
Example 1 — Clean seller-finance sale
Down payment, monthly payments, and balloon at a defined term.
Example 2 — Partial seller financing
Some cash at closing with a smaller carryback note for the balance.
Example 3 — Improvement-tied structure
Seller-finance sale paired with an improvement plan or phased release.
Example 4 — Portfolio sale
Staggered closings across the portfolio with seller-finance notes on select assets.
These are examples only and not an offer, guarantee, or financial advice. Final terms depend on underwriting, property condition, title, debt, buyer qualification, legal documents, and seller goals.
Explore Your Options
Need more than a basic sale?
Some properties need structure, not just a price. Let RAW Commercial help you compare your options.
Explore My Options Confidential · No obligation