Seller financing under IRC §453 spreads your capital gains over 10–20 years — lower brackets, no bank, and you earn the interest.
You become the lender. The buyer pays you directly — secured by the home itself.
See your exact scenario: traditional sale vs. installment sale, year by year, with 2026 federal + California rates.
We pre-screen buyers on real cash flow — income, employment, bank history. You approve who you finance.
Promissory note, recorded deed of trust, title insurance — all done through escrow like a normal sale. Third-party servicing available. Payments land monthly.
Bought in 1985 for $250k + $50k improvements. Home worth $1.8M today, fully paid off. Married filing jointly, $60k retirement income.
15% down · 6% interest · 15-year note
Principal + interest, secured by deed of trust on the home
Stays in low brackets · reported on Form 6252
Edit anything — results update live. Illustrative 2026 federal + California rates.
Illustrative only — not tax advice. 2026 federal LTCG brackets (0/15/20%), 3.8% NIIT, CA brackets up to 13.3% incl. mental-health surtax. Interest taxed as ordinary income. Ignores time value of money, depreciation recapture, AMT, §453A (>$5M notes). §121 excludes up to $250k/$500k on a primary residence. Consult your CPA.
Demo listings — free-and-clear homes whose owners offer terms. Buyers qualify on real cash flow, not just FICO.
No bank, no FICO gatekeeping. We score real cash flow: income, down payment, reserves, payment history. Anonymous — nothing is stored.
Informational pre-qualification only — not a credit decision, offer, or commitment. Criteria are financial and collateral-based, applied identically to every applicant. Final terms are set by the individual seller. Uses the note rate and term you enter, plus 1.1% property tax and $200/mo insurance. Formal applications require income and identity verification; consumer reports are used only with your written authorization (FCRA).
Every client who says "I won't sell because of taxes" is a listing you never earn. Bring them a seller-financing option and that dead lead becomes a closing — with your commission intact.
It's a normal sale through escrow — your listing side at the rate you set, paid at closing as always
Of the BankFree platform fee on every deal you bring
Seller financing raises real questions — defaults, the step-up in basis, what your CPA will say. Our AI assistant answers them in plain language. And when you're ready, a specialist will walk your exact numbers in 15 minutes.
A specialist walks through your scenario, answers your CPA's questions, and tells you honestly if this isn't for you.
Pick a timeFree, no obligation. We'll email you a confirmation.