Scenario Example
5 min read+$266,571 / 37.6% - A scenario example
Walk through a residential example where the same sale can show $709,375 from a traditional sale compared with $975,946 from a creative financing structure.

You could net
+$266,571/37.6% morein this scenario*
Because you're acting like the bank instead of taking a one-time payout.
Traditional Sale
$709,375
Estimated Net Proceeds
Creative Financing Sale
$975,946
Estimated Net Proceeds
* Difference based on terms of the deal. Terms can be adjusted on the next page.
Deal breakdown
Click any adjustable row to tune that part of the deal.
Current deal
- Sale price
- $875,000
- Buyer down payment
- $170,000
- Remaining mortgage
- $100,000
- Commission
- 5.0% ($43,750)
Upfront
Traditional gives more cash upfront. Financing delivers more total over time.
Closing costs
Traditional
Financing
Cash at closing
Traditional
Financing
Over time
Payments occur monthly with a final balloon at 60 months.
Monthly income
Traditional
Financing
Total payments received
Traditional
Financing
Final payoff (at 60 months)
Traditional
Financing
Terms
Interest, amortization, and payoff timing shape the total return.
Financing terms
Traditional
Financing
Net proceeds
+$266,571 with financing
* If you don't need all cash upfront, financing typically produces a higher return.
Traditional
Financing
| Detail | Current deal | |
|---|---|---|
| Sale price | $875,000 | |
| Buyer down payment | $170,000 | |
| Remaining mortgage | $100,000 | |
| Commission | 5.0% ($43,750) | |
| Detail | Traditional | FinancingHigher total return |
Upfront Traditional gives more cash upfront. Financing delivers more total over time. | ||
| Closing costs | 2.5% ($21,875) | Better value: 1.5% ($13,125) |
| Cash at closing | Better value: $709,375Cash upfront | $13,125Then monthly income and payoff |
Over time Payments occur monthly with a final balloon at 60 months. | ||
| Monthly income | N/A | Better value: $4,929 |
| Total payments received | N/A | Better value: $295,768 |
| Final payoff (at 60 months) | N/A | Better value: $667,053 |
Terms Interest, amortization, and payoff timing shape the total return. | ||
| Financing terms | N/A | 7.5% interest60-month balloon360-month amortization |
| Net proceeds(total you receive) | $709,375Cash at closing | $975,946Total over 5 years+$266,571more with financing+37.6%higher total return |
* If you don't need all cash upfront, financing typically produces a higher return. | ||
Next steps
Talk through your options with an expert
Get clear guidance on terms, risk, and payoff timing before deciding whether financing makes sense for your sale.

Presented by Morgan Lee
Morgan Lee
Harbor Realty Group
I can show you how to structure this step-by-step.
License RI 123456
What happens next
- Review the numbers together
- Pressure-test terms and timing
- Identify ways to reduce risk
- See whether financing makes sense for your situation


