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.
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.
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.
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.
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.
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.
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.
Filter the radar by financing type, flexibility score, and true monthly cost.