Real Estate Rookie How to Structure Seller Financing (Get a 5% Interest Rate!) (Rookie Reply)
Sep 19, 2025
Discover the secrets of accessing your home's real equity before the one-year mark. Learn strategies to rescue flopped short-term rentals by pivoting to mid-term offerings. Dive into the world of seller financing, exploring how to negotiate terms like interest rates, amortization options, and agent commissions—all while catering to both new investors and motivated sellers. Join the conversation for valuable insights and expert tips on making your real estate investments thrive!
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Seasoning Periods Vary By Lender
- Many lenders enforce a seasoning period before they recognize post-purchase appreciation on refinances or HELOCs.
- Portfolio lenders, local banks, DSCR loans, or commercial lending often bypass strict seasoning rules.
Refinanced After 30 Days With Local Bank
- Ashley refinanced a live-and-flip after 30 days with a small local bank using a portfolio loan.
- She got the appraised value recognized quickly because the bank kept the loan in-house and used flexible guidelines.
Call Local Lenders And Consider Alternatives
- Call many local banks and credit unions to find flexible seasoning rules or portfolio loans.
- Consider private money or DSCR loans when you need immediate access to equity despite higher costs.