Deal of a Lifetime? How to Structure a Win-Win Seller Financing Deal (Rookie Reply)

Real Estate Rookie

BiggerPockets

How To, Entrepreneurship, Business, Education, Investing

4.7 • 1.8K Ratings

🗓️ 2 January 2026

⏱️ 27 minutes

🔗️ Recording | iTunes | RSS

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Summary

Money is often the biggest barrier standing between a rookie investor and their first deal, but there’s a creative way to buy a rental property that doesn’t require draining your savings or putting much down at all. We’re talking about seller financing. In today’s market, you may have even more leverage to negotiate these kinds of deals. Tune in as we break one of them down! Welcome to another Rookie Reply! We’re back with more questions from the BiggerPockets Forums, including one from an investor who’s struggling to find great real estate deals due to higher mortgage rates. While it’s true that today’s rates could eat away at some of your cash flow, you can still find properties that meet your long-term goals. Waiting for rates to drop could cost you! Don’t have the cash for your next investment property? There’s a creative financing strategy that could allow you to put very little (or no) money down. We share how to negotiate and structure one of these deals so that it’s a win-win for both sides. Finally, should you move to invest in real estate? How do you pick the right market? It’s not as tricky as you probably think! Looking to invest? Need answers? Ask your question here! In This Episode We Cover The keys to negotiating and structuring a seller financing deal How to find and analyze cash-flowing real estate deals in 2026 The huge opportunity cost of waiting for mortgage rates to drop How to pick a real estate market that aligns with your investing goals Whether you should move to invest in real estate (or stay put!) And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-661 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Today we are going to go over getting started. What options do you have available to you as a
0:04.3	rookie investor? We also go over purchasing a property from family, including how this deal has
0:09.8	seller financing wrapped into it. We go over what's the best way to structure it.
0:19.4	This is a real estate rookie podcast. I'm Ashley Care. And I'm Tony J. Robinson. And with that,
0:24.3	let's get into today's first question. So today's first question is from Trevon in the Bigger Pockets
0:29.8	forums. I am a new investor who is in the process of buying my first rental property. I have gotten
0:35.7	a pre-approval letter from the bank for a mortgage loan.
0:38.6	Seeing that the interest rates are high right now, it's looking like my room for profit is limited.
0:43.9	It's now a good time to go through with this or take the capital I have and try to invest it into
0:48.4	another real estate deal. I am located in Georgia. Just a quick background to myself, I started an
0:53.3	Airbnb but didn't own the
0:54.9	property, aka Airbnb Arbitrage. Therefore, I didn't have a much valuable insight as to what
1:01.2	investment options I could make. So I would love some input from experienced investors on the right
1:06.7	moves to make. Thank you in advance. Okay. so to kind of summarize this here, this is an investor
1:13.8	that has some capital. They want to buy their first rental property. They're saying profit is
1:17.9	limited as in their cash flow because their mortgage payment is going to be higher because
1:22.5	their interest rates are high that they're looking at. So I think the first thing I want to recommend is do you
1:29.1	actually know that? Do you actually know that the cash flow is limited on the deal? Have you been
1:34.8	analyzing deals? Going through analyzing five a day, 10 a day, just to go through and see
1:42.5	what the mortgage payments would be on each of them and what you
1:47.3	could rent them out for and what the cash flow actually is because there are still deals out
1:53.4	there even with paying interest rates now high interest rates compared to a couple of years ago
	...

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