Motivated sellers carry the whole loan at above-market rate — no bank needed.
Aging owners of free-and-clear properties or businesses often prefer a seller-carried note (monthly income + interest) over a lump-sum sale (immediate cap-gain tax hit). Negotiate 100% seller financing at 6–9% interest over 15–30 years — installment sale rules spread the seller's tax liability over the note term. Ideal for niche businesses, rural properties, and family-transfer scenarios.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.