After 20+ years in Atlanta’s real estate market, I’ve seen countless homeowners stuck with properties that just won’t move in traditional sales channels. Nothing’s more frustrating than watching your listing gather dust while mortgage payments continue. That’s precisely when owner financing becomes your secret weapon.
Owner financing isn’t just an alternative—it’s often the smartest play in today’s unpredictable market. I’ve personally helped dozens of sellers transform unsellable properties into monthly income streams that outperform most investment portfolios. Let me walk you through what I’ve learned from hundreds of these transactions.
1. Owner Financing Can Help You Achieve Your Asking Price In Any Market Condition
Most sellers don’t realize they’re leaving money on the table with conventional sales. I recently worked with a client in East Point who’d been stuck at $275K for six months with no serious offers. By offering owner financing, we secured $295K with multiple interested buyers competing within two weeks.
Why? Because you’re not limited by bank appraisals or lending restrictions. You control the terms, creating flexibility that traditional lenders simply can’t match. Buyers recognize this value and frequently pay premium prices for properties with seller financing.
2. Transform Your Property into an Income-Generating Asset
Another benefit of owner financing is that you can earn a monthly income from the sale of your house. When you act as the lender, the buyer makes monthly payments to you with interest. This means that you can earn a steady income without having to do any additional work. This is especially beneficial for homeowners who are looking for a source of passive income. The beauty lies in predictability—steady payments arrive like clockwork, often yielding returns that outperform traditional investments. For retirees especially, this creates inflation-protected income that doesn’t require active management.
I had sisters who inherited a property which had become a maintenance nightmare. Rather than selling outright, we structured an owner-financing deal at 7.5% interest over 15 years. Now they collects $2,400 monthly without fixing toilets or chasing late rent and best part we helped a single mother with less than perfect credit become a home owner who would not have qualified going through traditional bank.
3. Owner Financing Can Help Expand Your Buyers Pool and Sell Your House Faster
Selling a house can take months, if not years. However, with owner financing, you can sell your house faster. This is because owner financing makes it easier for buyers to qualify for a mortgage. Buyers who may not qualify for a traditional mortgage may still be able to purchase your house through owner financing. This means that you can attract a larger pool of buyers, which can help you sell your house faster.
Last summer, I met a self-employed contractor with excellent income but unconventional documentation that made traditional financing impossible. His situation isn’t unique—millions of qualified buyers simply don’t fit the increasingly rigid bank requirements.
By offering owner financing, you instantly access:
- Self-employed professionals
- Foreign nationals with US ambitions
- Buyers with recent credit hiccups but strong income
- Investors looking for creative financing solutions
This expanded market often leads to multiple offers where traditional listings see none.
4. Owner Financing Can Provide Tax Benefits
Owner financing can also provide tax benefits for homeowners. When you act as the lender, you can spread out the capital gains tax over the life of the loan. This means that you can avoid paying a large lump sum of capital gains tax when you sell your house. Additionally, you can also deduct the interest that you earn from the sale of your house from your income taxes.
After closing an owner-financed deal in Marietta last year, my client called excitedly after meeting with her CPA. Instead of taking a $75K capital gains hit immediately, she’s spreading it across 20 years while simultaneously creating a deductible mortgage interest scenario.
The installment sale treatment under IRS code allows you to:
- Defer capital gains taxation
- Potentially lower your overall tax bracket
- Create interest income that might be more favorably taxed than other income sources
- Structure payments to align with your personal financial planning
Every situation differs, so always consult your tax professional, but the advantages frequently outweigh conventional sale structures.
5. Direct Sale to 911 House Buyers Can Help You Sell Your House With Owner Financing
If you are interested in selling your house with owner financing, a direct sale to 911 House Buyers can help. 911 House Buyers is a reputable real estate company that specializes in buying houses directly from homeowners. When you sell your house to 911 House Buyers, you can receive a fair cash offer for your house. Additionally, 911 House Buyers can also help you sell your house through owner financing. This means that you can enjoy the benefits of owner financing without having to do any additional work.
While owner financing offers tremendous advantages, the documentation and legal requirements can be daunting. That’s where partnering with us becomes invaluable.
At 911 House Buyers, we’ve structed deals like this across the nation refining to an art form. From proper promissory note creation to ensuring security instruments protect your interests, our team handles the complexities while you collect the benefits.
When Sarah inherited her mother’s Decatur property, she was overwhelmed by the prospect of becoming a lender. Our team created a turnkey solution—securing qualified buyers, structuring favorable terms, and establishing proper servicing channels. Three years later, she’s collected every payment on time while the property value continues appreciating.
Selling your house with owner financing can be a smart move for homeowners who are looking to sell their house quickly and earn a steady income. With owner financing, you can set your own terms and conditions, attract a larger pool of buyers, and enjoy tax benefits. Additionally, a direct sale to 911 House Buyers can help you sell your house with owner financing, providing you with a fair cash offer and expert assistance throughout the process. Give us a call today to learn more about what we can offer you! (470) 470-9835