Here’s How You Can Sell Your Rental and Still Keep Monthly Income.
Being a landlord used to be your plan for building wealth and creating steady income — but let’s be honest, it’s not always as passive as people think.
Between midnight repair calls, unreliable tenants, rising maintenance costs, and increasing regulation, owning rental property can start to feel more like a full-time job than an investment.
If you own your property outright and you’re ready to move on from the stress of managing rentals — but you still want monthly income — there’s a creative and smart solution you might not have considered:
💡 Seller Financing (aka: You Become the Bank)
Instead of selling your property in the traditional way (where the buyer gets a loan from a bank), you can act as the lender and sell your property on an installment loan to someone like us — a professional real estate investing company.
This method lets you walk away from the headaches of being a landlord while still enjoying reliable, interest-generating monthly payments — just like you’re used to. Except with renting, you don’t collect interest.
🔧 What’s the Real Problem?
Most of the landlords we talk to say the same things:
“I love the income, but I’m tired of being a landlord.”
“I don’t want to do another rehab or chase tenants.”
“I’d sell, but I don’t want to pay a huge capital gains tax or lose my monthly cash flow.”
And some just want to sell outright, as they believe they can manage the money and the taxes on their own.
If this sounds familiar, you’re not alone. That’s why many landlords are turning to seller financing as a retirement or exit strategy.
We have seen landlords that thought their dream of retirement was coming from the rental they purchased. And in some cases, it does happen. In many, they want to come back to us about 3 years later after they get tired of sinking more money into repairs, court fees, and maybe even payments on a mortgage.
🧮 How Does Seller Financing Work?
Here’s a basic breakdown:
You sell us the property, but instead of getting the full payment upfront, we agree on a down payment and a monthly payment plan.
You charge interest on the financed amount — just like a bank would.
We make monthly payments directly to you over an agreed-upon term (usually 10–30 years).
You no longer have to deal with property management, but you still enjoy consistent income.
Example:
Sale Price: $200,000
Down Payment: $20,000
Interest Rate: 5%
Term: 15 years
Monthly Payment to You: ~$1,400/month
You’d still get your steady cash flow, earn interest, and avoid the hassles of managing tenants or maintenance.
📈 Key Benefits for You
✅ Keep Monthly Income – Just like rent checks, but no toilets to fix or calls at midnight.
✅ No More Landlord Headaches – We take over the property management.
✅ Earn Interest – You act like the bank and earn interest on the money owed.
✅ Capital Gains Flexibility – Installment sales may reduce your immediate tax hit (check with your CPA).
✅ You’re in Control – You choose the terms that work for you.
I have a Seller Financing Excel, that you can download and plug in your own numbers with. Just enter your sale price, down payment, interest rate, and loan term — and it will automatically calculate:
Your monthly payment
How much goes toward principal
How much is interest
What the remaining balance would be
Plus, you will see how much the property is sold for, the downpayment, and the monthly interest you collect.
Just let me know as it can be emailed to you. I will be adding it to a future post also, as it is being fine-tuned at the moment.
🤝 Why Work with Us?
At Our Cash for Your Home, we specialize in helping landlords exit gracefully — while keeping their cash flow and peace of mind.
We’re local investors who:
Understand installment sales
Buy properties as-is
Can close quickly
Work directly and transparently
Whether you’re ready to retire, relocate, or just relax — we’re here to help you make your next move easy and profitable.
📞 Ready to Talk?
Let’s have a no-pressure conversation to see if seller financing makes sense for your property. We’ll answer your questions, walk through the numbers, and help you explore your options.
📞 727-487-1753
📧 ourcashanthony@yahoo.com
🌐 OURCASHFORYOURHOME.COM