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.

A great option if you want to defer capital gains taxes and generate income without the hassles and costs of property management.

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.

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Multifamily Owners Discover the Power of the Installment Sale
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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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Ready to see what’s actually possible?

We’re making more custom offers than ever—it’s your turn.

What else can Flexible do for you?
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