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

Owner Financing RV Park Deal: Calculate Your Payments NOW! #shorts

3 Aug 2026 · 2 min

Watch on YouTube

1:39

In this YouTube short, Tommy Dobczyk walks through a proposed owner‑financing term sheet for a $600,000 RV park. He outlines three down‑payment options—10% ($60,000), 15% ($90,000), and 20% ($120,000)—all with a 2‑year term, a 20‑year amortization schedule, and a balloon payment due at the end of the term (with a possible extension to a third year). Using a 6% interest‑only rate, he calculates the 10%‑down scenario: financing $540,000, a monthly payment of approximately $3,869, total payments over 24 months of about $92,000, and a balloon payoff of roughly $510,000, resulting in seller proceeds near $603,000. Speaker B interjects to note that Tommy is speaking the calculations aloud rather than typing them, emphasizing the value of verbal explanation for context. The video’s purpose is to demonstrate how to structure and quickly compute owner‑financing terms for potential buyers.

Chapters

I need to analyze this term sheet and I want to respond back with terms for owner financing on this RV park. 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.
So if y'all are paying attention, he's talking it through rather than typing, because when we type, we condense what we want to say and we want as much as we can say, because it gives the context.
Because if you try to be concise and all that, it can be It can mess up easier doing that than doing it the other way. So we're showing 6% interest only, all that. 10% down is $60,000, financing $540,000. So over that 24-month period, we're going to owe them monthly payment of $3,869. And our window on this— correct me if I'm wrong, Moore— I think that they were saying that we make monthly $5,400 a month, I think. So option 1 shows that they're going to get an estimated total payments over 24 months of about $92,000. And then we'll have an estimated balloon payment of $510,000. And so they'll walk away with $6,000— $600,000— $603,000.