Owner Financing Blog
Educational content about owner financing, real deal breakdowns, and market insights.
Who holds the deed in an owner-financed home purchase?
Deed and title work differently depending on whether the sale uses a note and mortgage or a contract for deed.
Mistakes self-employed buyers make in owner financing
The errors that sink owner-financed deals for business owners, contractors, and freelancers.
Do owner-financed homes in Texas cost more than market value?
What 810 active owner-financed Texas listings show about list price versus automated home value estimates.
What has to be recorded in an Arizona owner-financed sale?
A plain look at which documents go to the county recorder when a seller finances the sale, and which ones stay private.
Is a contract for deed legal in Arizona?
How installment land contracts work in Arizona, what federal lending rules touch them, and what varies deal by deal.
Owner financing vs renting for five years: the difference
Five years of rent leaves you with receipts; five years of owner financing leaves you with a deed and a loan balance.
Owner financing vs hard money: what is the actual difference?
One loan comes from the person selling the house. The other comes from a private lender who never owned it.
How much down payment do self-employed buyers usually need?
In owner financing, the down payment is set by each individual seller and is always negotiable.
How many Texas owner-financed listings have a balloon?
What Ownerfi's 813 active Texas listings show — and why the balloon question has to be asked listing by listing.
What must a seller disclose when owner financing in Alabama?
How federal loan rules and state-level disclosure duties overlap when an Alabama seller carries the note.
How long does foreclosure take on an Alabama note?
On a seller-financed note, the timeline comes from the documents and Alabama law, not from one national number.
Contract for deed vs a mortgage: the actual difference
Both let you buy a home over time. Only one puts the deed in your name on day one.
What documents do self-employed buyers need?
A plain look at the paperwork self-employed buyers gather when a seller finances the purchase.
Is owner financing cheaper than renting in Texas?
What 808 active owner-financed Texas listings show about price, rent estimates, and what the data can't tell you.
What has to be recorded in a Alabama owner-financed sale?
How the deed, the security instrument, and the private promissory note fit together in an Alabama seller-financed closing.
Owner financing vs an FHA loan: what's the difference?
One is a government-insured bank mortgage with fixed rules. The other is a private agreement written between a buyer and a seller.
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 802 active owner-financed Texas listings on Ownerfi show about price, rent, and how payments get set.
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 812 active owner-financed Texas listings on Ownerfi actually show, and why no single down payment number exists.