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

Seller Carry: Unlock Deals & Boost Cash Flow! #shorts

20 Jun 2026 · 1 min

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0:39

In this concise presentation, the speaker outlines how a seller‑carry (subordinate seller note) can be used to bridge valuation gaps and protect cash flow in real‑estate transactions. By structuring a capital stack where a senior bank provides roughly 60% of the purchase price, the seller carries about 10% at an interest‑only rate of 5‑6% for a 3‑5‑year term with a balloon payment, and the buyer contributes 30% equity, the deal can stay close to the asking price without crushing the debt‑service‑coverage‑ratio (DSCR). The speaker emphasizes that this approach works best for buyers with strong liquidity and a long‑term hold strategy.

Chapters

Best use: buyer with strong liquidity and long-term hold strategy. Uh, path 2: seller carry to improve DSCR. So if the senior bank takes 60%, 10% seller carry, 30% buyer equity, seller note interest, uh, only for 3 to 5 years. Why this fit? Bridge valuation gap and protects the cash flow. Okay, so ask for a seller to carry 5 to 6% interest only, 3 to 5 year balloon subordinate position benefit can make the deal work closer to ask without crushing DSCR.