Owner Financing Blog
Educational content about owner financing, real deal breakdowns, and market insights.
Owner financing vs subject-to: what's the difference?
Both let a buyer skip a bank, but only one creates a new loan the seller actually holds.
How owner financing works for self-employed buyers
When your income is real but your paperwork doesn't fit a bank's form, the seller becomes the lender.
What does an owner-financed home cost per month in Texas?
What 811 active owner-financed Texas listings on Ownerfi show about price, rent estimates, and monthly cost.
What happens when an Alabama owner-finance buyer defaults?
Default outcomes in owner financing depend on which document was signed at closing and on state law.
Max interest rate on a seller-financed note in Alabama?
The ceiling comes from state usury law, the paperwork rules come from federal law, and the rate itself comes from the seller.
Owner financing vs a lease option: what's the difference?
One puts the deed in your name at closing. The other keeps you a tenant with a right to buy later.
Owner financing vs rent-to-own: what's the difference?
One transfers the deed at closing. The other delays it until you buy. That gap changes everything.
Is a contract for deed legal in Alabama?
How contract-for-deed sales work in Alabama, what federal lending rules still apply, and what varies by deal.
Average down payment on owner-financed homes in Texas?
What Ownerfi's 805 active Texas listings show, and why down payment is set seller by seller.