Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

Framing Seller Financing A Win Win Approach

18 Mar 2026 · 1 min

Watch on YouTube

1:04

Christian Osgood walks through positioning seller financing as the only path forward when banks won't lend. After rejection, the buyer proposes a 5-year, 4% interest-only note at the seller's asking price, with $300,000 down. The key: frame it as necessity, not a favor, and negotiate terms that give the seller $100,000 in equity.

Chapters

We brought this letter to the agent who had listed the property and said, look, we have brought this through a couple of banks. None of them are willing to lend in the current position. We have a proposal. We can give them their price, but we need them to carry a note for the next 5 years at 4% interest only. If they will do that, this deal will work for us and we can get this closed. The broker got back to us and said, okay, they're actually open to this. How much are you able to put down? They still owe $200,000 on the property and they want to walk away with $100,000. Perfect. Now we're negotiating right there. We got the concept accepted because it's the only thing that made sense. So that's the first way to frame it. The property needs it to close at your price. It's the only way that it could happen. Therefore, our proposal is logical. Notice we're not coming at this as, oh, there's all these benefits to you as a seller, or this is why we have to do it for us. It's the bank's fault. We're positioning it as it is unlendable. Therefore, if you want to sell it and you want this price, this is the way that it must be. Now we're just negotiating down payment. We ended up doing $300,000 down or 15% easiest capital raise.