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

Seller Finance Secrets: Unlocking Deals with Earn-Outs! #shorts

2 Aug 2026 · 1 min

Watch on YouTube

0:53

In this YouTube short, Tommy Dobczyk walks through a seller‑financing negotiation scenario, referencing the “Shark Cashflow” recommendation to offer a 6.5% rate. He explains why a seller may ask for a 7.5% rate and proposes a split structure: pay 4% up‑front and defer the remaining 3.5% as a performance‑based earn‑out payable after 12 months. The conversation highlights the risk of taking over a property that was 100% leased but could become vacant after acquisition, and why an earn‑out protects the buyer from losing cash if tenants leave. The tone is informal and instructional, with a cautious, analytical sentiment toward the proposed deal structure.

Chapters

The Shark Cashflow Offer says to offer 6.5. Why? Great seller financing structure. Maybe we can try to get them to do that. Earnout performance-based. Where are you going? What? Tell them what an earnout performance-based is.
This is a new lesson. I don't think so.
No. Earnout performance-based. So I'm going to get it. They want 7.5. I'm going to give them 4 and then earnout performance-based is the 3.5 that I'm going to give them after I've been there 12 months.
Got it. Okay.
Right. Because what if I take over and then everybody Everybody moves out. You think I should give them their full asking price now?
No, because there's no tenants.
Exactly. We're going to, we're going to give them a sharp—
What's up, Miso?
Because again, we bought it based on 100% leased out. And then when I buy it and they disappear, now what? Uh-oh. Where'd my money go to get into the bank? So unless I have a plan of redoing something there, which I 100% do, like I can't buy those people out fast enough.