Creative Financing Explained: Why Some Landlords Love Owner Financing
Thinking About Selling Your Rental? Don’t Overlook Owner Financing.
If you’re a landlord nearing retirement, you might be wondering what your best exit strategy is. Maybe you’re not ready to take a huge tax hit. Maybe you like the idea of income without the headaches. That’s where owner financing comes in — and why so many landlords are turning to it as a smarter way to sell.
What Is Owner Financing?
Owner financing means that instead of getting all your money from a bank at once, you act as the bank and receive monthly payments directly from the buyer (like us at Easy Landlord Exit). You still sell your property, but you keep control of the financing terms.
Why Do Landlords Love This Option?
Here’s why it’s become so popular:
✅ Steady Monthly Income: You create a predictable stream of cash flow without tenants or toilets.
✅ Tax Advantages: You may be able to defer capital gains taxes by spreading out your income.
✅ Sell As-Is: No repairs, no inspections, no showings — just a clean, off-market deal.
✅ Control: You set the terms — interest rate, down payment, loan length.
Real Example: A Retired Landlord in Spokane
We recently worked with a landlord in Spokane who was tired of managing three rentals but didn’t want to lose their retirement income. They sold to us with owner financing, kept their monthly income, and walked away from day-to-day landlord stress. It was a win-win.
What Makes Owner Financing Work Best?
It’s not for everyone — but it works especially well if:
Your property is owned free and clear (or mostly paid off)
You’re in no rush to get all your cash up front
You’re looking for passive income with lower taxes
You want to work with a trusted, local buyer who follows through
That’s where we come in.
Ready to Explore the Options?
If you’re curious about how owner financing could work for your specific property, we’d love to talk. We buy properties with flexible terms, tailored to your goals — and we do it without commissions, repairs, or hassle.
