Turn your monthly payments into a lump sum. I have purchased 750+ seller-financed notes across 36 states, and I buy directly — no broker, no middleman, no runaround.
Remaining balance, interest rate, monthly payment, down payment, payment history, and the property address. Email works fine.
A real number based on your note, usually within a couple of business days. No obligation.
I review the documents, confirm the payment history, and check the property. You send copies; I do the work.
We close and you get your lump sum. The borrower just gets a new address to send payments to.
Notes sell at a discount to the remaining balance — that discount is how the buyer earns a return for taking on the wait and the risk. Five things drive where your note lands:
The more the borrower has paid in — down payment plus payments made — the less likely they walk away, and the stronger your price.
A borrower who has paid on time for 12+ months is a proven borrower. Seasoning is one of the biggest price levers you have.
Higher-rate notes are worth more. A note written at a low rate has to be discounted deeper to reach a buyer's yield.
The property backs the note. Land that would resell quickly at the loan balance protects everyone and prices better.
A properly recorded lien, a clear note, and a documented payment trail. Sloppy paperwork costs sellers real money.
You don't have to sell everything. Selling only the next few years of payments often gets you a better rate on the cash you take.
When a landowner sells a property and lets the buyer pay over time instead of requiring cash up front, the payment agreement they sign is a seller-financed note. The seller becomes the lender: they hold a lien on the land and collect monthly payments of principal and interest. That note is an asset, and like most assets, it can be sold.
The most common reasons: you want a lump sum now instead of small payments over many years, you are tired of chasing payments and doing the bookkeeping, you want out of the risk that the buyer stops paying, or you want the cash to do your next deal. Land investors often sell notes at closing or shortly after so they can buy more land.
Less than the remaining balance, but often not much less. Notes are priced at a discount to the unpaid balance so the buyer earns a yield for taking on the risk and the wait. The size of the discount depends on the note itself. A note with a solid down payment, a clean payment history, a fair interest rate, and decent land behind it prices strongest. Send me the details and I will give you a real number, not a range from a chart.
Five things matter most: how much equity the borrower has in the property, how many payments they have made on time, the interest rate on the note, the value and sellability of the land securing it, and how the paperwork was done. Strong on all five means a small discount. Weak on several means a bigger one, or a partial purchase instead.
Yes. In a partial sale, you sell a set number of the upcoming payments and keep the rest. You get cash now, and when the sold payments are collected, the note comes back to you. Partials often price better than full sales because the buyer's risk is lower.
The promissory note, the recorded deed of trust or mortgage (or land contract), the settlement statement from the sale, and a record of the payments received so far. If you are missing something, ask anyway. Incomplete files are common and usually fixable.
Two to four weeks is typical. The steps are simple: you send the note details, you get a quote, the buyer verifies the documents, payment history, and property, and then you get paid at closing.
Nothing changes for them. Same payment, same rate, same payoff. The only difference is the address where they send the payment. This is exactly what happens when banks sell mortgages to each other, which they do constantly.
Send me the basics and I'll give you a real number. No obligation, and no pressure — if holding your note is the better move, I'll tell you that too.
Email Your Note Details Schedule a Call