Selling Your Property

Want More For Your Property?

If you are like most people selling a property, than you want to get as much money for it as possible. Regardless of whether you are planning to sell it yourself or to work with a real estate professional, seller take-back financing is a surefire strategy that can help you sell your property more quickly for top dollar. Seller take-back financing has long been an extremely popular technique with knowledgeable sellers of real estate because it has proven to be an effective way to increase profits. Aside from enabling a seller to receive a higher sale price, seller take-back financing, when structured properly, is usually very safe, easy and extremely profitable. By way of quick review, a seller take-back loan is created when the seller of a property agrees to lend the buyer a certain amount of money toward the property purchase price. In doing so, the seller, takes back the amount in the form of a note. This seller take-back note is secured by property. In turn, the buyer agrees to repay the seller the amount of the loan, including interest, over a period of time. Lets take a quick look at this technique to understand how it helps both buyer and seller. In this example, Mr. and Mrs. Green put their house on the market with an asking price of $250,000; a price that is totally appropriate for existing market conditions. Mr. and Mrs. Brown, in the market for a home, see it and fall in love with it. As a result, the Brown's make the Green's an offer of $225,000. The Brown's also indicate that they will only be able to make a maximum down of 20% of their offering price (or $45,000). Since the Green's have an interested qualified buyer capable of making a substantial down payment, they don't want to lose the sale. But they also don't want to take less than their asking price. To help close the deal quickly, the Green's make the Brown's a counter offer involving a seller take-back loan. Instead of dropping the sales price, the Green's propose to assist Mr. and Mrs. Brown in completing the purchase by giving them a seller take-back loan of $205,000, which is the difference between the $250,000 asking price less the Brown's down payment of $45,000. The Green's outline favorable terms, which include a fair and competitive interest rate, resulting in easy-to-make monthly payments and a comfortable payout period. The Brown's, realizing an opportunity to get their dream house, accept the proposal and the deal closes quickly.As you can see from this example, both the buyer and seller derived substantial benefits from using the seller take-back financing technique. And the best deal always benefits all of the parties involved. In this case, the buyers were able to purchase the house without having to increase their down payment. They also greatly benefited, by working out favorable repayment terms on the seller take-back loan that fit their repayment budget and timetable. The sellers benefited by selling the house more quickly and by receiving the asking price, which is more than they might have received in a traditional transaction. In addition, the seller received additional benefits by creating a steady monthly cash flow in the amount of the payments. As an added benefit, the seller will get many additional profits above the selling price in the form of interest earned on the seller take-back loan, and always has the option of selling the loan at any time for a lump sum of cash.In summary, using seller take-back financing techniques not only helps sell a property for more, but it also benefits both parties in ways that help close the deal quickly. If you are planning to sell a property and would like to learn more about how you can use seller take-back financing most effectively, than I would be glad to help in way that I can.

http://www.cash-4-notes.info

Commercial Finance Solutions

Increase the Success of your Business:

► FACTORING....the most powerful commercial finance tool available to small and mid-size business owners. Factoring provides your company with immediate cash advances upon invoices that you normally would wait 30, 45, even 60 or 90 days to collect. Factoring allows your company to seek business from large, creditworthy customers that demand extended terms of payment when you perform work or deliver products. Because your credit history is of a secondary nature to factors, this financing tool is the method of choice for young, start up companies unable to obtain lines of credit from banks and more traditional lenders.

► INVENTORY FINANCE....often working hand-in-hand with accounts receivable factoring, Cash-4-Notes maintains a database of ready lenders for small business inventories.

► ASSET-BASED LENDING....for larger companies with extensive credit histories, asset-based lending (revolving lines of credit against inventory and accounts receivable) can provide capital solutions for working capital and growth.

► EXPORT IMPORT TRADE FINANCE....becoming more important to small business owners now exploring the competitive advantages of overseas contract manufacturing, Cash-4-Notes can provide expert solutions in the areas of purchase order finance, international factoring, and trade finance.
Give us a chance to help you at http://www.cash-4-notes.info or robertcmilne@cash-4-notes.info

Insurance Policy

Senior Life Settlements

A Senior Life Settlement, or simply Life Settlement, involves the sale of an existing life insurance policy in which the funds generated are greater than the policy's cash surrender value. Senior Life Settlements are often attractive when your original financial planning needs have changed and the continued insurance premiums are burdensome. . .

http://www.cash-4-notes.info/seniorlife.htm

Mortgage Notes

Private Owner Carry-Back Mortgage Notes

Private Mortgage Notes, or as they are sometimes known, Owner Carry-Back Mortgages, are mortgage-backed promissory notes that are the result of a seller of a single family home, condominium, multi-family residence or other residential or commercial building providing some degree of finance to the new buyer of the dwelling at the time of closing.

They can be for the full amount of the mortgage on the sale (first position notes) or can be partial (second position notes) behind a traditional mortgage lender.
Cash-4-Notes is a buyer and broker of private mortgage notes. If you are the holder of a private mortgage note receiving monthly or quarterly payments and would like a lump sum of cash for any reason, we can help. As the owner of a private mortgage note you can.....

- receive a lump sum of cash for a complete sale of your note
- sell a percentage (such as one half) of your note
- sell a specified number of monthly payments
- sell your balloon payment (if applicable)
- any combination of the above

For more information on how we can help you, just drop an email at robertcmilne@cash-4-notes.info or visit our website at http://www.cash-4-notes.info/mtgnotes.htm

Cash out on your Settlements

Court Awarded Structured Settlements and Annuities

Court Awarded Structured Settlements and Annuities are income streams paid by a life insurance company to compensate an injured individual as the result of a personal injury lawsuit, medical malpractice suit, wrongful death suit or any other type of liability settlement. As a result of injury or wrongful death, plaintiffs are commonly awarded very large settlements. Rather than receiving the settlement in a lump sum, however, the injured party most commonly receives the money as monthly installments in the form of an annuity.
At Cash-4-Notes , we can provide holders of structured settlements with installments payable by insurance companies with a lump sum of cash to be used for....

- the purchase of equipment for a new business
- uninsured medical bills
- education and re-training
- medical emergencies
- purchase of a new home or vacation property
- specialized or handicapped equipped vehicles

No Obligation Confidential Quote

You can receive a "no obligation" confidential quote on your structured settlement or annuity from Cash-4-Notes by simply completing our structured settlement / annuity request form (Adobe Acrobat Reader Required) and faxing it to our underwriters. A representative will contact you within 24 hours to begin processing your request. If you have difficulty downloading our forms, you may also request a quote by mail or use our online quote request form.

Cash-4-Notes ▪ E-MAIL US AT robertcmilne@cash-4-notes.info
http://www.cash-4-notes.info/structured.htm

Cash Flows

SELLER FINANCED BUSINESS NOTES... we are a national purchaser and broker of seller financed business notes. We can assist you in obtaining immediate cash for private business notes created as the result of partnership buy-outs or sales to undercapitalized new owners.
Point of Contact: robertcmilne@cash-4-notes.info
http://www.cash-4-notes.info/businessnotes.htm

Don't Sell Your Property Without It!

For most people, the prospect of selling their home can be positively daunting. First of all, there are usually plenty of things to do just to get it ready for the market. Besides the traditional clean-up, paint-up, fix-up chores that invariably wind up costing more than you planned, there are always the overriding concerns about how much the market will bear and how much you will eventually wind up selling it for.

Will you get your asking price, or will you have to drop your price to make the deal? After all, your home is a major investment, no doubt a rather large one, so when it comes to selling it you want to get your highest possible return. Yet in spite of everyone's desire to get the top dollar for their property, most people are extremely unsure as to how to go about getting it. However, some savvy sellers have long known a little financial technique that has helped them to get top dollar for their property. In fact, on some rare occasions, they have even sold their properties for more than they were worth using this powerful financing tool. Although that might be the exception rather than the rule, you can certainly use this technique to get the most money possible when selling your property.

Seller carry-back, or take-back financing, has proven to be a surefire technique for closing deals. Even though most people do not think about when it comes to selling a property, they really should consider using it. According to the Federal Reserve, there are currently over 100 Billion dollars of seller carry-back (seller take-back) loans in existence. By any standard, that is a lot of money. But most importantly, it is also a very clear indication that more people are starting to use seller take-back financing techniques because it offers many financial benefits to both sellers and buyers. Basically, seller take-back financing is a relatively simple concept. A seller-take back loan is created when a property is sold and the seller performs like a lender by assisting in financing all or part of the total transaction. In effect, the seller is actually lending the buyer a certain amount of money toward the purchase price, while a traditional mortgage company usually funds the balance of the purchase price. A seller take-back loan is secured with the property. The loan then becomes the primary mortgage and is fully secured by the property. In most seller take-back financing transactions, the buyer repays the seller with interest in accordance to mutually agreed terms over a period of time. Usually, the terms call for the buyer to send the payments, consisting of principal and interest, on a monthly basis. This is advantageous because it creates a steady monthly cash flow for the note holder. And if the note holder decides to cash out, he or she can always sell the note for a lump sum cash payment.

Regardless of market conditions, seller take-back financing makes sound financial sense; whereas, it provides both buyer and seller with flexible financing options, makes the property easier to sell at higher price and shortens the sales cycle. It also has the added advantage of being an excellent investment that generates a steady cash flow and high return. If you ever need immediate cash, you can always sell the note through our office. If you are planning to sell a property, then consider the many benefits of seller take-back financing.

About the Author:
Robert Milne is an investor with Cash 4 Notes and deals in mortgage notes, business notes, structured settlements, lotteries/annuities, as well as senior life settlements. Get quick cash for your notes today. For a free consultation or free note appraisal, call (253) 230-2779 or email robertcmilne@cash-4-notes.info