Keep Your Equity. Keep Your Income.
Lose the Landlording.

Seller financing means you stay in the chain as the lender after you sell — the buyer sends monthly payments directly to you instead of to a bank. You typically collect a meaningful down payment from the buyer at closing, then steady monthly note income for years afterward. It's a standard, legal structure handled through licensed title companies, attorney-drafted documents, and third-party underwriting by a licensed Residential Mortgage Loan Originator. ResiFort sits in the middle the entire way — your advisor and facilitator, never the buyer. You keep your equity, get cash up front, collect monthly income, and have a fully compliant paper trail.

Yes. The whole point is to take this off your plate. We work the transaction so you don't have to do staging, repairs, or renovations — the property's current condition is factored into the pricing and terms at the structuring stage. If there are repairs that genuinely add value, you can choose to do them or let them be priced in. You won't be forced to clean, stage, or coordinate contractors to get to the closing table.

Most exits land in the 30 to 60 day window. Tighter than that when there's an investor buyer in the chain. We've closed in 8 days when health emergencies forced it. Slower when you want to wait for the right retail buyer. No appraisal-contingency drama, no bank underwriting on our end, no financing fall-through.

Two layers of protection. Prevention: every buyer is fully underwritten by a licensed third-party Residential Mortgage Loan Originator — income, credit, and ability-to-repay verified before closing. Payments then run through professional note servicing, so late payments get flagged and enforced automatically. Remediation: you hold the promissory note and the deed of trust, which means if the buyer defaults, you have the legal right to foreclose and reclaim the property. Any payments received through the default date stay yours per the note terms. ResiFort coordinates the default protocol through our attorney network so you're informed, not buried.

Seller financing is typically structured as an installment sale under IRS Section 453. Your capital gain spreads across the years you actually receive payments instead of one tax-year hit. The interest portion of each payment is taxed separately as ordinary income. We supply a CPA-ready packet (§453 framework, sample HUD-1, projected income schedule) so your accountant verifies before you commit. We don't give tax advice. We hand your CPA the documentation.

You do, with us. Pricing starts from a licensed professional's market analysis of your specific property. Interest rate and payment terms are designed together — built to be attractive to qualified buyers AND a fair return for you holding the note. We model the exact cash flow over the note term and side-by-side it against a traditional sale before you commit. Attorney-reviewed contract templates handle the legal structure. Nothing goes to a buyer until you approve the terms in writing.

Your first step is free. The Reality Check call delivers a four-way exit analysis on your specific property at no cost. Most sellers move forward with the Turnkey Exit (Done-For-You handling, fully remote, end-to-end). If a different level of involvement fits better, we walk through the options on the call. Pricing scales with the level of support and is walked through transparently. No hidden fees, no upsells without conversation.

Listing with an agent ends your income stream. You sell, pay 5 to 6% commission, walk away with a lump sum. That's it. Seller financing through ResiFort converts the property into a paying asset: meaningful down payment at closing AND monthly note income for years afterward, full equity preserved (no cash-buyer discount, no commission haircut), and often a higher total over the note term than a traditional sale would clear. For some sellers, listing IS still the right answer. We'll tell you during your free Reality Check. If seller financing isn't your best path, we'll say so and refer you out. Burned-out landlords, inherited property owners, and equity-rich sellers who want predictable monthly income? This is a genuinely different exit.