Installment Sale
A sale where you take payments over time in order to earn more via consistent monthly cash flow while enjoying tax advantages.
Get cash, defer taxes, and get a steady, monthly income
Consistent passive income
Get a cash down payment and steady income.
Tax perks
Interest-only option to defer capital gains and depreciation recapture taxes.
Low risk
Get a secured lien position, down payment, and favorable returns.
How it works
Instead of receiving all the cash from a sale at once, you extend credit to cover the purchase price of the property and get regular payments, or installments, plus interest over an agreed-upon period of time.
What's possible with an Installment Sale?
We'll customize our offer to fit your unique goals and circumstances.
Design your Installment Sale, from the cash you get at closing and on a monthly basis, to the duration of the arrangement. We can even build in the option to change your mind as the future unfolds.
A short-term Installment Sale (1-5 years) strikes a balance between maximizing your earnings and accessing your cash proceeds to fund other priorities.
A long-term Installment Sale (6-50 years) can provide "mailbox money" to fund your lifestyle for years or even decades, without the tax consequences of a standard sale.
Considerations
With Flexible, you're in control and the details are up to you. Here are some things to consider:
Preferred closing date
Cash at closing
Desired monthly income
Loan payoff date
Any special requests
See if an Installment Sale is right for you
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Why Flexible is better
- Upfront cash plus steady income
- Defer taxes and earn income pre-tax
- Sell "as is"
- Skip the 1031 exchange risk
Typical Sale
- No passive income after sale
- Possible substantial tax bill
- Expensive and low-ROI repairs
- Risk of failed 1031 exchange
Installment Sale FAQ
The loan may be paid off, transferred to a new borrower, or converted to an unsecured loan, possibly at a higher interest rate. If applicable, we can include a prepayment penalty to offset tax consequences due to an early payoff.
We pay a late fee if we make a late payment. In the unlikely event we default, you would keep the down payment, any payments you already received, and foreclose to take back ownership and any improvements.
We don't. You choose the pricing, timing, and other factors to ensure you get the cash you want at closing, and your desired monthly income for as long as you want.
After we make any property improvements, we collect rental income or sell, which can occur at any point after signing an agreement with you. We only consider options that align with giving owners what they want, and we never charge any fees.
Every situation is unique. So is your offer.
We'll customize your offer until everything looks good. If you want it, we want to hear about it.
Popular Add-Ons
- Fast close
- Loan assumption/assignment
- Leaseback
I got exactly what I wanted: cash at closing and the monthly income I need—without worrying about a big tax bill or trying to figure out what to do with the money.
Mike wasn’t ready to pay capital gains taxes.
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