Owner Financing & "Subject To" Real Estate Strategies

Sell Your Property the Smart Way with Owner Financing or “Subject To” Offers

What Is Owner Financing?

Owner financing and "subject to" deals are both creative real estate financing strategies, but they function differently and carry unique implications for buyers and sellers. Owner financing allows you, the seller, to act as the bank. Instead of your buyer securing a traditional loan, the buyer pays the seller directly and both of you agree on:

  • A monthly payment amount

  • An interest rate

  • Terms that work for both of you which may include a higher sales price, higher interest rate, a balloon payment, shorter or longer term

If your home is paid off, you can do an "Owner Finance" offer. If your home isn’t fully paid off, we can structure the purchase as a “Subject To” deal where the deal is Subject To the existing mortgage and where the buyers take over Seller's existing mortgage payments and coupon book. We do not contact the bank. We just take over the payments. If you work your numbers correctly, you can receive a down payment- non-refundable fee vs a "deposit", continue paying your mortgage the mortgage off and possibly keep the difference as monthly income for the Seller. Terms will dictate the possibilities.

Why Do An Owner Finance or "Subject To" Deal?

The Seller can earn more money over time than if you sold your property outright—because you keep the interest instead of the bank. That means more money in your pocket, often exceeding your property’s current market value! Plus, when you choose owner financing as a Seller, you avoid many of the traditional headaches of selling a home:

❌ No real estate commissions

❌ No inspections

❌ No appraisal delays

❌ No testing for radon, lead paint, or other issues

❌ No risk of buyers backing out

It’s a streamlined, hassle-free process that benefits both you and the buyer! The Buyer makes out too! The Buyer does not need to go through a bank, bank underwriting, pay for an appraisal, pay for buyer broker commissions (where applicable), PMI or Mortgage Insurance either!

What If You Still Have a Mortgage?

No problem. That’s where a “Subject To” agreement comes in.

In a Subject To deal:

✅We take over your existing mortgage payments

✅Payments are made directly via your online account or using your mortgage coupon book

✅All other terms (price, interest, etc.) work like a traditional owner-financed deal

It’s simple. It’s secure. And it works for many sellers just like you.

Ready to Sell? We Want to Make You an Offer!

At Sanford REI, we offer Owner Finance and Subject To deals. If you're considering selling your home, condo, multi-family property or buildable land and want to maximize your profit without the stress, we’re ready to make you an Owner Finance or Subject To offer! We will view your property details and if we can agree on the numbers, we’ll buy your property with an Owner Finance or Subject To deal—fast, fair, and flexible! Why should the bank make the interest!??? YOU SHOULD MAKE THE INTEREST AS A SELLER, NOT THE BANK! Owner Financing or Subject To with Sanford REI puts control back in your hands. Let’s work together to get your property sold to us!

Don’t Let Commissions, Repairs, Financing or a Bad Buyer Kill Your Profit as a Seller!

Important Note:
Both owner financing and "subject to" deals can be complex and involve significant risks. It is crucial to consult with legal and financial professionals before entering into such agreements.

John Sanford, Managing Member

Sanford Real Estate & Investment, LLC

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Information on this page is not an offer or a solicitation to sell or purchase securities. Statements, descriptions, and data on this page are for informational purposes only and relate to an investment opportunity which may be offered in the future. No offer or solicitation will be made until you contact us first and the necessary final documentation and agreements have been delivered to you. Please consult an accountant, financial planner, tax attorney and/or other tax, investment and legal counsel for advice before investing any of your money.

© 2014 Sanford Real Estate & Investment, LLC and www.SanfordREI.com. All rights reserved. No part of this website may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher John Sanford, Managing Member of Sanford Real Estate & Investment, LLC.