Andresa GuidelliCEO, The Real Estate InvestHER · Co-Founder

The best seller-financed deals arent won on price

24 Jun 2026 · 1 min

Watch on YouTube

1:22

In this monologue, the speaker outlines a framework for structuring seller‑financed real‑estate deals using four negotiation levers: price, down‑payment, interest rate, and loan term. She explains how each lever interacts with the others—high price requires a longer term for appreciation, low down‑payment calls for a longer term to build equity, low interest rates can be offset with a higher price, and so on—allowing parties to custom‑design agreements that meet both buyer and seller needs. The speaker contrasts this balanced, community‑focused approach with predatory flipping tactics that exploit distressed sellers. She advocates for a model where responsible sellers transition from landlord to passive lender, monetizing the equity they have built while preserving cash flow and community stability, creating a true win‑win outcome.

Chapters

When it comes to fair and equitable, it's really weighing what I call the 4 levers of negotiation. You have price, down payment, interest rate, and the length of the term of the loan. And those are the 4 levers you're just sort of pulling up and down. So if you're going to give the seller price, you got to think about the term, right? If I give a high price, I need a lot of time for my appreciation to do the heavy lifting. Otherwise, I'm going to be in trouble. I'll be underwater. So we got to, we got to move those levers separately. And then I think about down payment similarly. If I have a really low down payment, well, I need a longer term because I want to make sure I have some equity by the time I have to pay you out. And if I'm going to have a low interest rate, well maybe I need to give the seller a higher price, right? Because they're, they're going to get a good monthly payment still. I want to make sure that they're getting what they would if they rented it out and still cash flow, right? So these are the levers and you really just custom design based on the needs of both parties so that it truly works and it's really a win-win. And it's not, I think in real estate it's always like this framework of win-lose, like find somebody who's down and out, divorce, death, you know, trick 'em into thinking their property's worth less than what it is, flip it, make money, get in, get out. I don't care about the community. This is a very different model. This is find somebody who's responsible in your community, who's paid off all of their debt, who is afraid of the tax liability, and you structure something that totally changes their life. And they, they move from landlord to lender and they're completely passive going forward. And now they can monetize the equity that they've earned, that they built over time. And that's, that's truly the win-win.