Real Exit — Tool 05 of 06

Seller Finance
Strategy Tool

Model seller financing against a cash sale, 1031 exchange, and ground lease side by side. See your installment sale tax savings, total interest income over the note term, optimal down payment, and which structure nets the most over your time horizon.

Your property & sale details

Enter your numbers to model all four strategies.

Sale price

Adjusted cost basis

Original purchase price minus accumulated depreciation

Existing mortgage balance

Selling costs (broker, legal, title)

Federal cap gains tax rate

State cap gains tax rate (%)

Seller Finance Terms

Down payment percentage

20%

5%50%

Interest rate on seller note (%)

Note term (years)

Ground Lease (for comparison)

Annual ground lease income

Typical: 5-8% of land value per year

Ground lease term (years)

Seller Finance — Detailed Breakdown

Sale price

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Down payment received at close

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Seller note balance

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Selling costs paid at close

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Mortgage paid off at close

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Tax paid in year of sale

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Net cash received at close

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Total note principal collected

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Total interest income earned

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Tax on remaining installments

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Total net proceeds (all years)

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Annual Payment Breakdown — Seller Note

Principal

Interest

Is the buyer contributing land?
Model a land joint venture where land is equity instead of a cash transaction.

Land JV Modeler →

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Your strategy comparison appears here.

Fill in your property details and seller finance terms on the left, then click Model all four strategies to compare cash sale, seller financing, 1031 exchange, and ground lease side by side.

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Seller FinanceStrategy Tool

Seller Finance
Strategy Tool