Florida Owner Financing — Buy or Sell with No Bank

Owner financing in Florida allows buyers to purchase homes without a traditional mortgage lender — and allows sellers to earn monthly income from their property. Cash Offer Or Terms facilitates both sides.

No bank loan required
Flexible terms
Bad credit OK
Fast closing
Monthly income for sellers
Florida-focused

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Buyer or seller — tell us about your situation.

Property information

What Is Florida Owner Financing?

Florida owner financing (also called seller financing or owner carry) is a real estate transaction where the property seller finances the purchase directly for the buyer — instead of the buyer going through a bank or mortgage lender.

In a typical Florida owner finance transaction: the buyer makes a down payment, agrees to monthly principal and interest payments to the seller, and takes possession of the home. The seller holds a promissory note and deed of trust securing their interest until the loan is paid.

This is an ideal solution for Florida buyers who cannot qualify for traditional bank financing — including self-employed borrowers, buyers with credit challenges, and investors.

Do I need good credit for owner financing in Florida?
Not necessarily. Owner financing decisions are made by the seller, not a bank. Credit history matters less. We consider the whole picture.
How much down payment is required?
Down payments vary by property. Typical range is 5–20%. We work to match buyers with properties that fit their available funds.
Is Florida owner financing legal?
Yes. Owner financing is a legal and widely-used real estate strategy in Florida, governed by state law and documented with proper legal instruments.

Florida Owner Finance — For Sellers

If you own a Florida property free-and-clear (or have significant equity), you can sell with owner financing and receive monthly payments with interest — rather than a lump-sum cash offer.

We handle all deal structuring, legal documentation, payment collection, and servicing. You simply receive your monthly income.

Seller Financing Example

  • 🏠 Property value: $200,000
  • 💵 Cash offer: ~$165,000–$175,000 lump sum
  • 📅 Seller finance: $190,000 at 7% = ~$1,300/mo
  • 💰 Total received over 25 years: $390,000+
Learn About Florida Seller Financing →View Florida Owner Finance Homes →

Need a More Strategic Exit?

Some properties need more than a simple cash offer. If your situation involves commercial real estate, appreciated property, inherited assets, land, multifamily, partnership issues, nonprofit or community-aligned outcomes, or a structured sale — Strategic Equity Exits may be a better fit for a deeper advisory-style review.

Explore Strategic Equity Exits

Compare Your Options Before You Decide

Whether you are selling a house, land, or commercial property — we can help you review practical paths nationwide, with a strong Florida focus.

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