Seller financing 40% of the deal turned a 35x sale into a 50x effective return.

Seller financing 40% of the deal turned a 35x sale into a 50x effective return.

Buyer offered $400K all-cash or $440K with $176K financed at 9% over 24 months. Owner took the paper.

The note threw off interest that pushed the real return past 50x equivalent, and it widened the buyer pool to people without full cash.

Yes, there's default risk. But a personal guarantee plus a clawback covered it. They got paid AND earned yield.

Never seller-finance? Tell me your reason — I'll poke it.