What is Seller Financing?

With seller financing (Seller Carryback), you sell directly to True Start Homes without dealing with banks, agent fees, or the uncertainty of the market.

Instead of waiting months for a buyer, you receive a down payment upfront and steady, predictable monthly income—all while securing a higher price for your home.

We structure fair and transparent seller financing deals that provide you with steady payments, interest income, and a stress-free sale.

Instead of getting a loan from a bank, we make payments directly to you over time.

  • You receive a down payment upfront

  • We make monthly mortgage-style payments directly to you

  • You earn interest on the sale, making more over time than if you had sold for cash

  • You save thousands on taxes (if it’s a rental property)

  • You don’t have to manage the home, deal with tenants, or handle repairs

This allows you to sell your home easily while continuing to profit from it without the headaches of listings, showings, agents, low offers, price reductions, days on market and waiting for the right buyer to show up.

Real Life Example

Linda M. had owned a rental home for over a decade. While the property had gone up in value, the constant turnover, late-night maintenance calls, and stress of finding good tenants made her question whether it was still worth it.

She considered selling the traditional way. With an asking price of $180,000, here’s what that would’ve looked like:

💰 6% in agent commissions: $10,800
💰 1.5% in closing costs: $2,700
💰 1.5% in prep and light repairs: $2,700
Total selling costs: $16,200

Because the home was a rental, she also faced a hefty $20,000 capital gains tax bill due immediately upon sale.

Between fees and taxes, she’d be walking away with $143,800- a lot less than her property is worth.

Instead, she sold directly to True Start Homes using seller financing and kept control of the outcome.

Here’s the offer we structured:

✔ Sale Price: $180,000 (full asking price)
✔ Down Payment: $9,000 (cash in hand)
✔ Interest Rate: 3.75%
✔ Loan Term: 20 years
✔ Monthly Payment: $1,020.31 (principal + interest)

Why this worked out better for her:

• She received $9,000 upfront without showings, repairs, or delays. We bought the house from Linda in as-is condition.
• Over the course of our agreement, she’ll collect $253,874 in total, earning $73,874 in interest along the way
• Her capital gains taxes are now stretched out over time, easing the burden
• Her monthly income of $1,020.31 mimics rental cash flow without the stress of being a landlord

Linda got the best of both worlds: a simple exit from managing the property and long-term passive income. We handled everything—contracts, paperwork, title, and closing—so she didn’t have to worry about a thing.

Who is Seller Financing For?

This option is a great fit if:

✔ You own your home outright

✔ You want to sell without agent fees or closing costs – Keep more of your money by selling directly.

✔ You prefer monthly income over a lump sum – Instead of cashing out all at once and paying dozens of thousands in taxes, you receive steady, reliable payments from True Start Homes while earning interest.

✔ You want a smooth, guaranteed sale – We handle everything, so there’s no waiting, no bank delays, and no uncertainty.