The Agent's Seller Financing Playbook

Save more deals. Earn more commissions. Serve clients banks can't help.

For Real Estate Agents & Brokers
honestdeed.com

197,000 Home deals collapse from financing failure every year

1 in 5 Deals under contract that never close — because of the bank

45% SBA loan applications denied

57-70% Land deal applications declined outright

How You Get Paid

Your commission is paid at closing from the down payment — same rate as any deal.
Example: $350K home, 20% down ($70K), 6% commission = $21K paid at closing.
The difference: seller-financed deals actually close. No 30-60 day underwriting delays. No appraisal killing the deal. No lender denial after weeks of work.
An agent working 10 deals/year who loses 2-3 to financing failure is losing $40K-$75K in annual commissions. Seller financing eliminates that.

What Seller Financing Is (60 Seconds)

Instead of a bank loan, the seller carries the note.
Buyer pays a down payment at closing, then monthly payments with interest directly to the seller.
The seller earns monthly income + interest income on top of the sale price.
The seller isn't acting as a bank — HonestDeed provides the safety infrastructure (buyer vetting, compliance, quarterly monitoring) so both parties transact directly with confidence.
Legal, IRS-recognized, and already used in 70-85% of business sales.

Buyers Who Qualify for Seller Financing (but not bank loans)

☑ Self-employed / 1099 contractors

☑ Small business owners

☑ Foreign nationals

☑ Recently relocated buyers

☑ Buyers with non-traditional income

☑ Buyers purchasing land, rural, mixed-use, or properties needing repair

The Pitch, The Objections, The Close

Page 2 • The Agent's Seller Financing Playbook

The 4-Step Pitch Script

Step 1 — Open with the problem

"About 1 in 5 deals fall apart because of the buyer's financing. If we list traditionally, we're limiting your buyer pool to people a bank approves."

Step 2 — Introduce the option

"Instead of requiring a bank loan, you carry the note. The buyer pays a down payment, then monthly payments with interest. The income goes to you, not a bank."

Step 3 — Show the math

Pull up the HonestDeed Calculator (honestdeed.com/calculator), select "Agent / Broker," and walk through the side-by-side comparison. The numbers sell themselves.

Step 4 — Address safety

"HonestDeed vets every buyer before you sign, handles compliance documentation, and monitors buyer financial health quarterly — so you always know where things stand."

Top 5 Seller Objections — Handled

"I don't want to be a bank."

"You're not. HonestDeed handles the infrastructure — vetting, payments, compliance, monitoring. You agree to the terms and collect monthly income."

"I need my money now."

"You receive the down payment at closing plus monthly income starts immediately. If you need liquidity later, you can sell the note on the marketplace."

"What if they stop paying?"

"HonestDeed vets every buyer before you sign and monitors their financial health quarterly — so you always know where things stand."

"Is this legal?"

"Yes — IRS-recognized. HonestDeed handles Dodd-Frank compliance, TILA disclosures, and applicable federal rate requirements."

"Won't I pay more in taxes?"

"Likely less. Installment sales under IRS Section 453 spread capital gains over the life of the note instead of hitting all at once."

The Deal Math at a Glance

	Traditional Sale	Seller Financed
Sale price	$350,000	$350,000
Down payment	$350,000 (lump sum)	$70,000 (20%)
Monthly income	$0	~$1,957/mo
Total interest earned	$0	~$72,285
Total received	$350,000	~$422,285
Capital gains	Full hit, year 1	Spread over 15 years
Your commission (6%)	$21,000	$21,000

Run the numbers on your next listing.

📊 honestdeed.com/calculator 📞 877-870-2899 ✉ partners@honestdeed.com