Seller financing
The seller is the bank.
Land AI finds free-and-clear owners who value steady income, proposes seller-financed terms, and drafts the paperwork — so you buy with flexible terms and less cash down.
Free to start · a small share only when a deal closes
Negotiating
2/1 cottage
Tulsa, OK
$9,800
Vacant
Under contract
Triplex
Spokane, WA
10% down, 5% rate
Retiring owner
Closing
4/2 two-story
Columbus, OH
$22,100
Assigned
Draft reply · ready to send
Thanks for getting back to me, Dana. I can close in 14 days, as-is, and cover all closing costs. Want me to send the agreement over tonight?
The problem
Where seller financing deals usually stall.
Bank lending is rigid
Rates, appraisals and underwriting kill good deals.
Free-and-clear owners are hidden
They rarely advertise flexible terms.
Terms take finesse
Rates, down payments and balloons need careful negotiation.
What changes
With Land AI, it simply moves.
Let the seller be the bank — and close deals no lender would touch.
Free-and-clear owners found
Equity and ownership signals surface them.
Terms negotiated for you
Down payment, rate and term proposed and countered.
Notes drafted
Seller-finance templates applied every time.
See it work
Find the owner. Start the conversation.
Land AI pulls owners straight from public records, scores who is most likely to say yes, and opens a natural, screened conversation on your behalf.
Marcus · seller
Honestly I’m tired of dealing with the house on Elm. Tenants left it rough. What would you even pay?Drafted by Land AI
That sounds exhausting, Marcus. We buy as-is, so no repairs and no showings. Based on the area, I can offer a fair cash price and close on your timeline. Can I send a written offer today?Use cases
Where seller financing shines
Retiring landlords
Owners who want income, not a lump sum.
Land sales
Acreage sold on terms.
Small commercial
Buildings with owners open to carrying paper.
Hard-to-finance homes
Properties banks will not lend on.
How it runs
Four steps. Then it runs itself.
- 01
Find free and clear
Equity and long-ownership signals.
- 02
Propose terms
Down, rate and term pitched clearly.
- 03
Negotiate
Counters handled automatically.
- 04
Close on terms
Note and agreement signed.
Why it works
Every deal matched to the buyer most likely to close.
Land AI ranks every buyer against each deal by buy box, recent activity and readiness — then reaches the best fit first.
- Free-and-clear signals
- Term negotiation on autopilot
- Seller-finance templates
- Works for homes, land and commercial
Deal
Triplex · Spokane, WA
- Buyer A · Rental fund94%
Bought 6 in this zip
- Buyer B · Flipper81%
Buy box: 3/2, under $250k
- Buyer C · Landlord67%
Prefers turnkey
Top buyer notified first · others queued
The full platform
Ten lead channels. One pipeline.
Everything you need to find, work and close deals is included on every plan.
- Parcel finder
- List upload
- Skip trace
- Seller offer page
- Buyer VIP list
- Intent monitor
- Distress records
- Cash-buyer discovery
- Partner & referral API
- Inbox capture
Questions
Good questions, straight answers.
Still deciding? Read the documentation, compare plans, or talk to us.
What is seller financing?
The seller carries a note for some or all of the price instead of a bank.
Can Land AI negotiate the terms?
Yes. It proposes and counters within limits you set.
Who services the note?
You or a servicer you choose. Land AI does not service loans.
Are there legal rules?
Yes. Some seller-financing deals are regulated. Work with qualified counsel.
Buy on terms that work for you.
Start free and find your first free-and-clear owner.