Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

Did You Know Banks Can Sell our Finance

17 Mar 2026 · 1 min

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Christian Osgood bought an 81-unit apartment building in Abilene, Texas with the bank as a 70% equity partner. He filled it to 100% occupancy in 45 days, then refinanced and got paid to own the deal. Creative financing still works for larger properties.

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Did you know that banks can seller finance? I just closed my first creative finance deal of 2026, 81 units in Abilene, Texas, and the structure of this thing was crazy. So the bank actually owns 70% of this building as a partner in the transaction. They agreed to carry the contract so that we can close easier, simple, and enact our management plan. Now, over the course of about 45 days, we've already brought it to 100% occupancy. Lenders are looking at it right now. We are looking at doing a cash-out refinance on a property we just purchased seller finance. We will actually get paid to buy this deal, which is absolutely insane. But if you're wondering, does seller finance or creative finance still work on larger buildings? And does this work in 2026? One down, many more to go.