Bank financing
Conventional 30-yr
True monthly cost
$2,065/mo
Baseline
P&I$1,249
Taxes + insurance + flood$496
Utilities$320
Cash to close$46,000
Rate · term7.2% · 30y
Today's market rate. Full underwriting and 20% down.
Flexible financing
Alternative pathways to ownership.
The bank-only path no longer fits every buyer. Explore the creative structures behind a meaningful share of today's Florida transactions.
Model any structure live
Every property detail page includes an AI Financing Scenarios panel — drop in your own down payment, rate, and term to compare conventional, FHA, VA, and seller-financed payments side-by-side, on any listing.
Side-by-side · True monthly cost
Compare creative ownership pathways
Owner-held note
Seller financing
True monthly cost
$2,057/mo
−$8/mo vs conventional
P&I$1,241
Taxes + insurance + flood$496
Utilities$320
Cash to close$23,000
Rate · term6% · 30y
Owner of 3405 SE 11th Ave carries the note at a negotiated rate with reduced down.
Inherit the rateLowest /mo
Assumable FHA/VA
True monthly cost
$1,616/mo
−$449/mo vs conventional
P&I$800
Taxes + insurance + flood$496
Utilities$320
Cash to close$57,500
Rate · term3.25% · 27y
Take over the existing low-rate loan. Buyer funds the equity gap.
Bridge to ownership
Lease-to-own (24 mo)
True monthly cost
$2,081/mo
+$16/mo vs conventional
Lease payment$1,265
Taxes + insurance + flood$496
Utilities$320
Cash to close$6,900
Rate · term— · 24mo
Monthly lease + option fee. No mortgage today; lock price for 24 months.
Pathway 01Seller financing
Skip the bank. Buy directly from the owner.
When a seller has substantial equity, they can serve as your lender — negotiating interest rate, term, and down payment outside the traditional banking system.
Best when: owner has 50%+ equity, motivated to sell, open to creative terms.
Pathway 02Owner financing
Full financing held by the seller.
Similar to seller financing but typically used when the property carries no underlying mortgage. Fastest path to ownership without a conventional loan.
Best when: property is owned free and clear, seller seeks long-term cash flow.
Pathway 03Lease options
Lock in price today. Buy tomorrow.
Secure occupancy now with a contractual right to purchase at a defined price within 12–24 months. A bridge for buyers building credit, savings, or relocation certainty.
Best when: buyer needs runway, seller has time and wants reliable occupancy.
Pathway 04Assumable loans
Inherit the rate. Skip the rebuild.
FHA and VA loans can be assumed by qualified buyers at the original rate — often 2.5–3.5%. Instant affordability arbitrage in today's market.
Best when: existing FHA/VA loan, buyer can fund the equity gap.
Pathway 05Subject-to
Acquire while leaving the loan in place.
Take ownership while the existing financing remains. Powerful structure with documentation discipline — usually for experienced buyers and aligned sellers.
Best when: experienced buyer, transparent legal structure, motivated seller.
Pathway 06Investment partnerships
Co-own with aligned partners.
Equity-based JVs designed for buyers building wealth alongside investors. Clear governance, defined exit, and proportional cash flow.
Best when: buyer brings deal flow or operations, partner brings capital.
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