Seller Financing Crash Course: Buy More Properties With Less Cash & No Banks
If you’ve ever dreamed of building your real estate portfolio but felt limited by strict bank rules, hefty down payments, or shaky credit—seller financing might be your golden ticket.
The best part? It’s not just theory.
Coach Chad Carson has bought over 22 properties using seller financing, and he’s packed everything he’s learned into his Seller Financing Crash Course—a step-by-step guide for buying properties without traditional bank loans.
This course is your shortcut to understanding—and using—seller financing to buy profitable deals.
Whether you’re a newbie or a seasoned investor looking to scale smarter, seller financing can help you build wealth on your own terms. Let’s explore how.
What Is Seller Financing—and Why It’s a Game-Changer?
In simple terms, seller financing means the seller becomes your lender.
Instead of going through a bank, you make monthly payments directly to the seller—often with better terms and far fewer hurdles.
🧠 Benefits of Seller Financing:
- No banks, no pre-approvals
- Lower or flexible down payments
- Easier to negotiate creative terms
- Faster closings
- Win-win solutions for sellers (especially tired landlords or heirs)
It’s a powerful tool—but one most investors never learn how to use.
That’s what makes the Seller Financing Crash Course so valuable. Coach Carson shows you exactly how to find deals, structure offers, and close like a pro.
7 Essential Tips to Master Seller Financing
These tips are inspired by Coach Carson’s own deals and insights from the course. Each one comes with a clear explanation and actionable step—so you can start applying them right away.
1. Target the Right Sellers 🎯
Not every seller will consider seller financing. The key is knowing who to approach.
✅ Best seller profiles:
- Landlords tired of managing tenants
- Sellers with little or no mortgage
- Inherited properties (estate sales)
- Owners open to flexible terms over a big payout
✅ Action Step: Drive for dollars, search expired listings, or pull public records to find long-time owners.
Pro Tip: Coach Carson shows how to create and mail letters that get responses from the right sellers.
Tools That Help You Invest Smarter, Not Harder
2. Build Trust With the Seller 🤝
Seller financing isn’t just about numbers—it’s about trust.
Sellers want to feel confident that:
- You’ll make the payments
- Their equity is protected
- You’re not going to bail
✅ Action Step: When meeting with a seller, bring a short “buyer credibility packet” with:
- A bio
- Investment goals
- Sample deal structures
- Testimonials or references (if available)
Takeaway: Confidence + clarity = trust. And trust leads to “yes.”
3. Offer Simple, Win-Win Terms 📝
Seller financing isn’t about squeezing every last dollar—it’s about creating terms that work for both sides.
✅ Example structure:
- $5,000–$10,000 down
- 5%–6% interest
- 15–30 year amortization
- 5-year balloon payment (optional)
✅ Action Step: Practice explaining terms clearly. The course includes sample scripts and a seller-facing deal calculator.
Coach’s Insight: “Keep it simple. If a seller can’t explain the terms to their spouse, it’s too complicated.”
4. Be Ready With a Promissory Note & Mortgage or Deed of Trust 📑
These documents legally secure the seller’s interest.
✅ Action Step: Download Coach Carson’s editable templates or ask a local real estate attorney to prepare them for your first deal.
Documents you’ll typically need:
- Promissory Note (loan terms)
- Mortgage or Deed of Trust (collateral agreement)
- Purchase Agreement with seller financing addendum
Takeaway: Get the paperwork right—because protecting both parties builds confidence and professionalism.
5. Use Seller Financing to Scale Faster 🚀
One of the most powerful uses of seller financing? Portfolio growth.
Because you’re not limited by traditional loan limits, credit checks, or 20–25% down payments, you can do more deals with less money out of pocket.
✅ Action Step: Reframe your investment plan. Could you buy 2–3 properties in the next 12 months using seller financing?
Pro Tip: Coach Carson shows how to build momentum through repeat seller deals and referrals.
6. Combine Seller Financing With Other Strategies 🔄
Seller financing plays well with:
- Lease options
- BRRRR method
- Subject-to financing
- Partnerships
✅ Action Step: Try combining seller financing with a lease option. Rent the home with a right to buy, then convert to seller financing after 12 months.
Takeaway: Hybrid deals give you more flexibility and exit options—especially in changing markets.
7. Always Analyze the Deal First 🧮
Just because it’s seller-financed doesn’t mean it’s a great deal. Always run the numbers.
✅ Key metrics to check:
- Monthly cash flow
- Total purchase price
- Interest paid over time
- Cap rate
- Exit strategy (sell, refinance, hold)
✅ Action Step: Use Coach Carson’s deal calculator to analyze your first seller-financed scenario and see how it stacks up.
Coach Tip: “The terms might be flexible—but the math still matters.”
✅ Seller Financing Deal Breakdown Chart
| Feature | Bank Loan | Seller Financing |
|---|---|---|
| Down Payment | 20–25% | Flexible (0–10%) |
| Approval Process | Strict | Based on trust |
| Closing Time | 30–60 days | 7–14 days |
| Loan Flexibility | Rigid | Negotiable |
| Creative Structures | Rare | Encouraged |
❌ What to Avoid With Seller Financing
Even flexible deals have pitfalls. Here are 3 common mistakes beginners should avoid:
1. Overpaying Just Because the Terms Are Good
Flexible financing doesn’t excuse a bad purchase price. Stick to market comps and cash flow goals.
2. Skipping Legal Documents or Verbal Agreements
Always document everything. Use a real estate attorney or Coach Carson’s templates.
3. Not Clarifying the Seller’s Expectations
Misunderstandings kill deals. Be upfront about payments, insurance, taxes, and exit strategy.
Why the Seller Financing Crash Course Is a Game-Changer 🎓
Coach Carson’s Seller Financing Crash Course is a beginner-friendly but expert-level training that walks you through every step of the process.
You’ll learn:
- 🔎 How to find sellers open to financing
- ✍️ How to make offers and explain terms
- 📄 What paperwork you need
- 💬 What to say, when to say it, and how to negotiate with confidence
- ✅ How to close deals that banks would never fund
Based on 22+ real deals, this course removes the guesswork and replaces it with scripts, calculators, templates, and confidence.
🚀 Ready to Start Buying Properties Without the Bank?
If you’re tired of jumping through lender hoops, stressing about big down payments, or waiting for perfect credit—this is your moment.
👉 Join the Seller Financing Crash Course Now and learn how to buy more properties, grow faster, and invest on your terms.
Proven Tools for Real Investors