Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Owner Financing: Down Payment, Term & Balloon Payment Explained! #shorts

3 Aug 2026 · 1 min

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0:34

Tommy Dobczyk walks through owner financing on a $600,000 property with a $60,000 down payment. He compares three scenarios: 10%, 15%, and 20% down, each with a 2-year term, 20-year amortization, and a balloon payment due at the end.

Chapters

The terms that I want is a $60,000 down, which is 10% of the asking price, which is $600,000. I want to show them a 10%, 20%, 15% down opportunity for owner financing. I want the term to be for 2 years with a 20-year amortization and balloon payment after 2 years with an extension to go to 3 years. And I want to see what their monthly payment would be. On all 3 cycles and what their total payoff amount will be after the term.

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