June 11, 2025 • 17 mins
Stephan Piscano announces the release of his first book, "Why Smart Sellers Use Seller Financing: How to Earn More, Sell Faster and Beat the Market," sharing insights from his experience purchasing over 700 properties since 2008.
• Book explains how seller financing allows complete negotiation flexibility for purchase price, down payment, interest rate, and term length
• Mathematical formulas for calculating cash-on-cash return and cap rates included as bonuses
• Book primarily focuses on seller benefits while showing how both parties can win
• Interest rate changes from the Federal Reserve don't impact seller-financed deals
• Every aspect of seller financing transactions is customizable, allowing 40+ negotiable elements
• Buyers can secure favorable terms like interest-only amortization or delayed payment schedules
• Knowledge about real estate mathematics has been transformative in Stephan's investment journey
• Future book volume may focus specifically on buyer strategies
• Book available on Amazon, Kindle, and Apple Books starting June 12th
Subscribe to our channel and podcast for more real estate and investment insights, and comment on this video to receive a free copy of the book before its official release.
www.stephanpiscanopodcast.com
To Follow Us On YouTube: https://www.youtube.com/@VacationWealthPartners
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:40):
All right guys.
Thank you so much and welcome.
This is Stephan Piscano, withthe Real Estate Networking Group
, the Stephan Piscano Podcastand, of course, vacation Wealth
Partners, and we're doing ourfirst ever YouTube live today.
We tried to do it a little bitearlier and apparently I'm too
(01:01):
old and silly to figure out howto get the audio to work.
So appreciate you all joiningus, and this is a special
occasion.
The purpose of this livesession number one, honestly, is
I just wanted to see how it allworks and see if we might use
it for some more fun stuff inthe future.
So if you're in here and youcan hear me, then please put a
(01:23):
little chat in the chat box.
Let me know that you can hearme, okay.
And the other main purpose ofit is we are releasing our first
book ever, which in gosh almost25 years now in the real estate
sector and now going on 17, 18years here.
As the largest buyer ofseller-financed income-producing
(01:45):
properties and with VacationWealth Partners, I'm truly and
humbly grateful to say we havepurchased more than 700
properties since 2008, vastmajority of those with seller
financing.
We've sold dozens and dozenswith seller financing.
On the seller side as well.
We've done coaching andeducational content for 15 plus
(02:08):
years teaching others how to useseller financing, but this is
the first time that we have everwritten a book, and it's pretty
simple.
It's more bullet points and allthat fun stuff, but the name of
the book, which I'll put on thescreen here, you saw in our
little live intro there Again,I'm just playing with stuff
because it's fun for me whichyou saw in our little live intro
(02:29):
, we had some fun music which Ididn't pick YouTube picked that
but we'll get the book on thescreen here.
The title is why Smart SellersUse Seller Financing how to Earn
More, sell Faster and Beat theMarket, written by me and
sponsored by all of our greatpartners with Vacation Wealth
Partners.
(02:49):
This is going to be availableon Amazon and Kindle and
everywhere else that you can buybooks and e-books, apple books
as well.
I guess we're going to beproducing an audio book for it
as well.
The fun thing, though, isbecause you're on this live
stream, you get a copy for free.
We are going to be selling it ata pretty cheap price, but we
(03:11):
are going to be selling theseand everybody in the network
that wants one which I hope youdo and you should, because even
if you're a friend of mine or apartner of mine which I know
most of the people on hereprobably are, thankfully partner
of mine which I know most ofthe people on here probably are,
thankfully there's a lot oflittle tidbits in there that we
have never made availablepublicly for sure, and I didn't
(03:31):
even really realize myself fullyuntil articulating it for the
book, specifically from theseller side.
We also have some fun bonusesin there for us on the buyer
side the investor side as wellthat are really fun and just
some real simple tools that willbe really helpful for beginning
investors.
There's a bonus page thatoutlines exactly how to
(03:53):
calculate a cash on cash returnand a capitalization rate cap
rate and then there's a piece inthere about how you can use
leverage to dramaticallyincrease your cash on cash
return, which is one of the bestbenefits of seller financing,
and if you've seen any of mycontent here on YouTube, you've
heard me talk about that a lot.
(04:15):
So that's the purpose, guys.
So really, I'm just going tosit here and ramble a little bit
about seller financing.
If everybody could do me afavor and please go ahead and
just put some kind of comments.
If you'd like a free book, putthat in the comments on the live
stream here and then we'll havethe team reach out to you.
We'll get you a copy before iteven comes out, because today is
(04:37):
what Tuesday comes out, june12th Thursday.
So you'll get it a day or twoearlier than the general public
will as well, and it'll be freeCan't hurt.
And, as always, we are trying togrow our presence here on
YouTube.
We are really kind of shootingup a little bit here, which I'm
grateful for that as well.
We've got almost 8,000subscribers now.
(04:58):
12 months ago we had 1,600.
It was never really somethingthat we spent a lot of time on.
So you know, if you look at itlike that, we what is that?
That's about a 500% increase inthe last 12 months.
So anybody that's a part ofthat.
I really appreciate you as well, and if you're somehow watching
this and you're not subscribed,then we'd love for you to be a
(05:19):
part of our network.
Here we keep things prettysimple, simple math, simple
opportunities, and we do getaccess to some of the best
earning opportunities.
I believe in the country and Ithink a lot of people would
agree with that and, thankfully,back that up, but this one is
going to be a great resource.
I even talk a little bit in thebook and again, it's fairly
(05:40):
short.
But I talk a little bit aboutwhen I first learned, at 19
years old, some of the data thatstill to this day, more than 20
years later, I use on a regularbasis when I'm evaluating a
property or an investmentopportunity of any kind, whether
it's real estate or crypto orstocks, or buying a business, or
(06:01):
even with digital marketing,knowing how to calculate that
cash on cash return.
And I'll never forget it.
It was just.
I was actually in a Kinko's, Ibelieve, and I was talking with
my first mentor in real estateand I just asked him I said,
gosh, is there any way to knowmathematically so I'm not having
(06:24):
a guess with my gut if onerental property is better than
another?
And I asked him that and hesaid yep, and then he just
walked away because he was kindof that way.
He was kind of kind of whateveryou would call it.
But after begging him uh, quitea bit, he he taught me how
first how to calculate a caprate, which is pretty simple
(06:45):
math, then how to calculate thecash on cash return, and he
taught it to me in probably lessthan two minutes, but I'll
never forget it and that simpleformula and I'm pretty certain
that nearly 100% of the peoplelistening to this I know.
If you're one of my partners,I'm grateful.
I've got, I think, the mostsavvy partners in the country
(07:07):
and a lot of very brilliantpeople in a lot of very
brilliant ways.
I know a lot of us most of uspretty much already know that,
but I just know how important itwas for me and then obviously
extrapolate on top of that andalmost 25 years later, you look
at it and you go, ok, it allstarts with that formula.
You look at it and you go, okay, it all starts with that
formula.
Not only did it all start withthat and started there, but it
(07:29):
continues to start from that.
Every evaluation process comesfrom that.
And then the game is just how doyou get the biggest and best
cash on cash return you can get?
Because that's what anyinvestment's ultimate win is is
how much money did I put in?
How much money am I gettingback for that?
And then it's just a funopportunity and blessing to get
(07:52):
to figure out the best way toachieve the highest possible
return that we can get, and Iobsessively love running through
those scenarios and I know alot of people in my network do
as well.
So, again, this book will justbe a fun resource for you to add
to the table and we'll see howmuch interest it gets.
I mean, you know we we spentsome effort on this, but if
(08:15):
there's a lot of desire for thistype of content, then we'd love
to spend even more effort onvolume two, because volume two,
while this one is mainly I'd say80 percent of this one is
geared towards sellers.
Volume two, if we do one, wouldbe geared towards buyers, and
that's really my wheelhouse andI think most of my network's
(08:36):
wheelhouse as well.
So that'll be a lot of fun.
And then I've got some funstuff coming up on the podcast
too.
Guys, if you watch this andyou're somehow not subscribed to
our podcast on Apple or Spotify, you should really go over
there and do that.
And again, you'd make me happyif you did, because I've got a
killer interview with one of myclosest partners and friends,
(09:00):
who's just brilliant.
We're going to talk about theCsystem.
We recorded it a few weeks backand been trying to build some
extra stuff for it and providesome written content as well, to
help realtors and investors beable to use our personality
types to get a deal done, whichall connects with everything
(09:20):
we're talking about here,because it allows us to first
identify mathematically what thebest opportunity is, and then
how can we be the best versionsof ourselves to help us achieve
whatever that mathematicalformula is in a human being to
human being level.
So grateful for that as well.
(09:40):
So again, guys, if you're justjoining us, everybody who's on
here right now gets a free copyof this book.
That's going live on Amazon,kindle, apple eBooks, all that
fun stuff and people will bepaying money for it, but not you
.
If you want it, you can get itfor free, but all you have to do
is you just have to type in thecomment section there.
(10:01):
So just type in that you wantone, or just I don't know type
the word book.
That's fine too.
Whatever you want to do, um,make it as easy as possible.
I'd love to get this in yourhand and, honestly, we'd love to
get as much feedback on it aspossible, because it is our
first book.
So, um, you know, and I've gotpretty thick skin, so you won't
hurt my feelings.
If you have uh critiques on howwe can make the book better for
(10:23):
the next one, then I'd begrateful for that as well, so
just put that in the commentsthere.
And again, guys, let's see whatelse have I got coming up.
I'll give people a few moreminutes here to trickle in and
take advantage of this, becausethis is the only way we tried to
do it earlier.
Like I said, this will be theonly live I guess you call it
that we'll do for thisopportunity.
(10:45):
We're actually giving it awayfor free, so I want to give
people as much of an opportunityas I can.
So what else can I tell you?
As far as news go, I'm notgoing to talk about the riots,
even though I am in California,but that's down Southern
California.
I'm up here North, thankfully,so I'm not dealing with that and
(11:06):
we got some Federal Reserveinterest rates interest rate
news that will be coming up hereshortly, which I'm sure, if
you're a nerd like me, probablyexcited about seeing where that
goes.
But again, with seller financing, it really doesn't matter.
That's one of the beauties ofit too, and we talk about that
in the book that you get a freecopy of if you put a comment, we
(11:28):
talk about that.
That's one of the big things.
As the seller and I'm going totalk from the buyer's side the
benefits are obvious for usbecause we don't care what the
interest rates are.
We care a little bit because ithelps set the table for the
discussion with the seller, butwe really don't care because our
interest rate is not dictatedby what prime is.
Our interest rate is notdictated by the Federal Reserve
(11:49):
or the government.
We have the freedom to chooseour own rate, or at least
attempt to choose our own rate,and make that presentation to
the seller.
And then it's up to the sellerto agree or counter or whatever
it may be.
But we work that out humanbeing to human being.
Which is one of the mostbeautiful things about seller
financing in general, in myhumble opinion, is every single
(12:09):
piece we talk about this in thebook of course as well.
Every single piece isnegotiable, from the price, of
course, which is the leastimportant to me, but some people
care about that Great.
If we all cared about the exactsame things, then it'd be hard
to get a deal done because we'dall be arguing about the same
thing.
So it's great that everybodyhas different goals, but
everything from the purchaseprice to, of course, the down
(12:31):
payment, to, of course, theinterest rate, to the length of
term, to the amortization whichinterest-only amortization to me
as a buyer, as an investor, isextremely important, that might
be the most important thing, butto some sellers it doesn't
matter to them at all Mostsellers actually, it doesn't
matter to them at all, them atall.
(12:52):
Most sellers actually doesn'tmatter to them at all.
To the default terms, to thelate payment fees, to the date
of the month that which thatpayment is made to.
We've had it several timeswhere we'll give the seller
something that they want and inexchange for that they'll give
us even no payments for thefirst year.
Sometimes we'll pay thepayments in advance for the
first year.
Every single thing and I couldgo on dozens and dozens of
(13:15):
aspects of not only the purchasebut the deal itself, the loan
itself, all of it's negotiable.
And what does that mean?
What that means is everybodycan win, because if you've got,
if you're doing a traditionaldeal, really all that's
negotiable is the price, that'sit, and then all the other terms
are up to banks and appraisers,third parties, and that's it.
(13:38):
Once you agree on the price andthe closing date.
You know it is what it is Withthis.
You got 21, 41, 70 differentthings you know that are
negotiable.
So that means you've got 41 orwhatever it is different things
that each person can win on.
So you can structure it.
(13:58):
Maybe I'm a seller and maybe theprice is the most important
thing to me.
Okay, well, I'll pay you a highpremium on the price, but then
you're going to give me interestonly amortization.
Maybe the price doesn't matterto the seller, but it's the down
payment.
Okay, we'll give you a hugedown payment, but you're going
to give me no payments for thefirst year and you're going to
give me a lower price and you'regoing to give me interest-only
(14:20):
amortization.
You can go back and forth, andit really is such a beautiful
blessing because we can bothwalk away as winners of the deal
.
And so we talk about all thatand more in the book, and we
talked about it a lot, and someof the recent videos that we've
done here on the channel.
So again, if you haven'tsubscribed, I'd be grateful.
Number one, if you do, justmakes me feel good, and I love
(14:42):
numbers if you can't tell.
So I love seeing those numbersgo up.
So, thank you sincerely, if youdo, and and there's a lot of
great content where actuallyit's more detailed in the book,
to be honest with you.
But if you like it in a writtenformat, this is a great little
piece.
I know some people like thattype of learning better, so
hopefully it'll be helpful foryou.
And so, again, anyone thatcomments now on this live stream
(15:06):
, just put book or whatever youwant to put, as long as it's
nice, in the comment section.
Hopefully.
Then we'll get you a free copy.
We'll reach out to you, makesure we get you that as an
instant ebook download.
And yeah, thank you guys.
So much.
It's a lot of fun.
You know I love this stuff, I'mpassionate about it and I'm
grateful and excited to see howmany other people are passionate
(15:29):
about it too.
Such a beautiful thing, it's alife changing thing.
I mean and again, not to gettoo sappy on it, but a lot of
people in my network and myfriends and family know my
obviously my friends and familybut know my backstory.
But you know, moving 33 timesbefore I was 18 years old and we
never owned anything.
And I dreamed about owninghomes 18 years old and we never
(15:53):
owned anything, and I dreamedabout owning homes and I believe
a big part of what's helped me,thankfully, be blessed, to
achieve that dream of buyingseveral homes is that initial
piece of knowledge, that initialnugget of knowledge, and I'll
forever be thankful for thatgift.
But then you got to put it touse.
(16:14):
So I'm not saying this book isgoing to change anybody's life,
but there might be something inthere that hits and then you
make a life decision.
Maybe you decide, oh, you knowwhat?
I never thought about it likethat, but selling my property in
that way would allow me to dothis and that X, y, z, and then
that leads to another benefitfor you down the road that you
(16:35):
didn't even know was possible.
So that's my hope is that wecan be a small resource or a big
resource for you and be a pieceof that puzzle.
Thank you guys for hopping onhere with me.
It's fun.
We're going to see how thisgoes and maybe we'll do some
more of these if people enjoy it.
But thank you either way, andI'm going to leave this up for
about 24 hours on the YouTube,so if anybody has, I don't even
(17:01):
know how it works if you can seeit after the fact, but if you
do, then put a comment in there,then we'll get you a free copy
as well.
So, thank you guys.
Have an incredible remainder of2025 and beyond and we'll talk
with you soon.
Thanks so much.
All right guys.
Thank you so much and welcome.
This is Stephan Piscano, withthe Real Estate Networking Group
, the Stephan Piscano Podcastand, of course, vacation Wealth
Partners, and we're doing ourfirst ever YouTube live today.
We tried to do it a little bitearlier and apparently I'm too
(01:01):
old and silly to figure out howto get the audio to work.
So appreciate you all joiningus, and this is a special
occasion.
The purpose of this livesession number one, honestly, is
I just wanted to see how it allworks and see if we might use
it for some more fun stuff inthe future.
So if you're in here and youcan hear me, then please put a
(01:23):
little chat in the chat box.
Let me know that you can hearme, okay.
And the other main purpose ofit is we are releasing our first
book ever, which in gosh almost25 years now in the real estate
sector and now going on 17, 18years here.
As the largest buyer ofseller-financed income-producing
(01:45):
properties and with VacationWealth Partners, I'm truly and
humbly grateful to say we havepurchased more than 700
properties since 2008, vastmajority of those with seller
financing.
We've sold dozens and dozenswith seller financing.
On the seller side as well.
We've done coaching andeducational content for 15 plus
(02:08):
years teaching others how to useseller financing, but this is
the first time that we have everwritten a book, and it's pretty
simple.
It's more bullet points and allthat fun stuff, but the name of
the book, which I'll put on thescreen here, you saw in our
little live intro there Again,I'm just playing with stuff
because it's fun for me whichyou saw in our little live intro
(02:29):
, we had some fun music which Ididn't pick YouTube picked that
but we'll get the book on thescreen here.
The title is why Smart SellersUse Seller Financing how to Earn
More, sell Faster and Beat theMarket, written by me and
sponsored by all of our greatpartners with Vacation Wealth
Partners.
(02:49):
This is going to be availableon Amazon and Kindle and
everywhere else that you can buybooks and e-books, apple books
as well.
I guess we're going to beproducing an audio book for it
as well.
The fun thing, though, isbecause you're on this live
stream, you get a copy for free.
We are going to be selling it ata pretty cheap price, but we
(03:11):
are going to be selling theseand everybody in the network
that wants one which I hope youdo and you should, because even
if you're a friend of mine or apartner of mine which I know
most of the people on hereprobably are, thankfully partner
of mine which I know most ofthe people on here probably are,
thankfully there's a lot oflittle tidbits in there that we
have never made availablepublicly for sure, and I didn't
(03:31):
even really realize myself fullyuntil articulating it for the
book, specifically from theseller side.
We also have some fun bonusesin there for us on the buyer
side the investor side as wellthat are really fun and just
some real simple tools that willbe really helpful for beginning
investors.
There's a bonus page thatoutlines exactly how to
(03:53):
calculate a cash on cash returnand a capitalization rate cap
rate and then there's a piece inthere about how you can use
leverage to dramaticallyincrease your cash on cash
return, which is one of the bestbenefits of seller financing,
and if you've seen any of mycontent here on YouTube, you've
heard me talk about that a lot.
(04:15):
So that's the purpose, guys.
So really, I'm just going tosit here and ramble a little bit
about seller financing.
If everybody could do me afavor and please go ahead and
just put some kind of comments.
If you'd like a free book, putthat in the comments on the live
stream here and then we'll havethe team reach out to you.
We'll get you a copy before iteven comes out, because today is
(04:37):
what Tuesday comes out, june12th Thursday.
So you'll get it a day or twoearlier than the general public
will as well, and it'll be freeCan't hurt.
And, as always, we are trying togrow our presence here on
YouTube.
We are really kind of shootingup a little bit here, which I'm
grateful for that as well.
We've got almost 8,000subscribers now.
(04:58):
12 months ago we had 1,600.
It was never really somethingthat we spent a lot of time on.
So you know, if you look at itlike that, we what is that?
That's about a 500% increase inthe last 12 months.
So anybody that's a part ofthat.
I really appreciate you as well, and if you're somehow watching
this and you're not subscribed,then we'd love for you to be a
(05:19):
part of our network.
Here we keep things prettysimple, simple math, simple
opportunities, and we do getaccess to some of the best
earning opportunities.
I believe in the country and Ithink a lot of people would
agree with that and, thankfully,back that up, but this one is
going to be a great resource.
I even talk a little bit in thebook and again, it's fairly
(05:40):
short.
But I talk a little bit aboutwhen I first learned, at 19
years old, some of the data thatstill to this day, more than 20
years later, I use on a regularbasis when I'm evaluating a
property or an investmentopportunity of any kind, whether
it's real estate or crypto orstocks, or buying a business, or
(06:01):
even with digital marketing,knowing how to calculate that
cash on cash return.
And I'll never forget it.
It was just.
I was actually in a Kinko's, Ibelieve, and I was talking with
my first mentor in real estateand I just asked him I said,
gosh, is there any way to knowmathematically so I'm not having
(06:24):
a guess with my gut if onerental property is better than
another?
And I asked him that and hesaid yep, and then he just
walked away because he was kindof that way.
He was kind of kind of whateveryou would call it.
But after begging him uh, quitea bit, he he taught me how
first how to calculate a caprate, which is pretty simple
(06:45):
math, then how to calculate thecash on cash return, and he
taught it to me in probably lessthan two minutes, but I'll
never forget it and that simpleformula and I'm pretty certain
that nearly 100% of the peoplelistening to this I know.
If you're one of my partners,I'm grateful.
I've got, I think, the mostsavvy partners in the country
(07:07):
and a lot of very brilliantpeople in a lot of very
brilliant ways.
I know a lot of us most of uspretty much already know that,
but I just know how important itwas for me and then obviously
extrapolate on top of that andalmost 25 years later, you look
at it and you go, ok, it allstarts with that formula.
You look at it and you go, okay, it all starts with that
formula.
Not only did it all start withthat and started there, but it
(07:29):
continues to start from that.
Every evaluation process comesfrom that.
And then the game is just how doyou get the biggest and best
cash on cash return you can get?
Because that's what anyinvestment's ultimate win is is
how much money did I put in?
How much money am I gettingback for that?
And then it's just a funopportunity and blessing to get
(07:52):
to figure out the best way toachieve the highest possible
return that we can get, and Iobsessively love running through
those scenarios and I know alot of people in my network do
as well.
So, again, this book will justbe a fun resource for you to add
to the table and we'll see howmuch interest it gets.
I mean, you know we we spentsome effort on this, but if
(08:15):
there's a lot of desire for thistype of content, then we'd love
to spend even more effort onvolume two, because volume two,
while this one is mainly I'd say80 percent of this one is
geared towards sellers.
Volume two, if we do one, wouldbe geared towards buyers, and
that's really my wheelhouse andI think most of my network's
(08:36):
wheelhouse as well.
So that'll be a lot of fun.
And then I've got some funstuff coming up on the podcast
too.
Guys, if you watch this andyou're somehow not subscribed to
our podcast on Apple or Spotify, you should really go over
there and do that.
And again, you'd make me happyif you did, because I've got a
killer interview with one of myclosest partners and friends,
(09:00):
who's just brilliant.
We're going to talk about theCsystem.
We recorded it a few weeks backand been trying to build some
extra stuff for it and providesome written content as well, to
help realtors and investors beable to use our personality
types to get a deal done, whichall connects with everything
(09:20):
we're talking about here,because it allows us to first
identify mathematically what thebest opportunity is, and then
how can we be the best versionsof ourselves to help us achieve
whatever that mathematicalformula is in a human being to
human being level.
So grateful for that as well.
(09:40):
So again, guys, if you're justjoining us, everybody who's on
here right now gets a free copyof this book.
That's going live on Amazon,kindle, apple eBooks, all that
fun stuff and people will bepaying money for it, but not you
.
If you want it, you can get itfor free, but all you have to do
is you just have to type in thecomment section there.
(10:01):
So just type in that you wantone, or just I don't know type
the word book.
That's fine too.
Whatever you want to do, um,make it as easy as possible.
I'd love to get this in yourhand and, honestly, we'd love to
get as much feedback on it aspossible, because it is our
first book.
So, um, you know, and I've gotpretty thick skin, so you won't
hurt my feelings.
If you have uh critiques on howwe can make the book better for
(10:23):
the next one, then I'd begrateful for that as well, so
just put that in the commentsthere.
And again, guys, let's see whatelse have I got coming up.
I'll give people a few moreminutes here to trickle in and
take advantage of this, becausethis is the only way we tried to
do it earlier.
Like I said, this will be theonly live I guess you call it
that we'll do for thisopportunity.
(10:45):
We're actually giving it awayfor free, so I want to give
people as much of an opportunityas I can.
So what else can I tell you?
As far as news go, I'm notgoing to talk about the riots,
even though I am in California,but that's down Southern
California.
I'm up here North, thankfully,so I'm not dealing with that and
(11:06):
we got some Federal Reserveinterest rates interest rate
news that will be coming up hereshortly, which I'm sure, if
you're a nerd like me, probablyexcited about seeing where that
goes.
But again, with seller financing, it really doesn't matter.
That's one of the beauties ofit too, and we talk about that
in the book that you get a freecopy of if you put a comment, we
(11:28):
talk about that.
That's one of the big things.
As the seller and I'm going totalk from the buyer's side the
benefits are obvious for usbecause we don't care what the
interest rates are.
We care a little bit because ithelps set the table for the
discussion with the seller, butwe really don't care because our
interest rate is not dictatedby what prime is.
Our interest rate is notdictated by the Federal Reserve
(11:49):
or the government.
We have the freedom to chooseour own rate, or at least
attempt to choose our own rate,and make that presentation to
the seller.
And then it's up to the sellerto agree or counter or whatever
it may be.
But we work that out humanbeing to human being.
Which is one of the mostbeautiful things about seller
financing in general, in myhumble opinion, is every single
(12:09):
piece we talk about this in thebook of course as well.
Every single piece isnegotiable, from the price, of
course, which is the leastimportant to me, but some people
care about that Great.
If we all cared about the exactsame things, then it'd be hard
to get a deal done because we'dall be arguing about the same
thing.
So it's great that everybodyhas different goals, but
everything from the purchaseprice to, of course, the down
(12:31):
payment, to, of course, theinterest rate, to the length of
term, to the amortization whichinterest-only amortization to me
as a buyer, as an investor, isextremely important, that might
be the most important thing, butto some sellers it doesn't
matter to them at all Mostsellers actually, it doesn't
matter to them at all, them atall.
(12:52):
Most sellers actually doesn'tmatter to them at all.
To the default terms, to thelate payment fees, to the date
of the month that which thatpayment is made to.
We've had it several timeswhere we'll give the seller
something that they want and inexchange for that they'll give
us even no payments for thefirst year.
Sometimes we'll pay thepayments in advance for the
first year.
Every single thing and I couldgo on dozens and dozens of
(13:15):
aspects of not only the purchasebut the deal itself, the loan
itself, all of it's negotiable.
And what does that mean?
What that means is everybodycan win, because if you've got,
if you're doing a traditionaldeal, really all that's
negotiable is the price, that'sit, and then all the other terms
are up to banks and appraisers,third parties, and that's it.
(13:38):
Once you agree on the price andthe closing date.
You know it is what it is Withthis.
You got 21, 41, 70 differentthings you know that are
negotiable.
So that means you've got 41 orwhatever it is different things
that each person can win on.
So you can structure it.
(13:58):
Maybe I'm a seller and maybe theprice is the most important
thing to me.
Okay, well, I'll pay you a highpremium on the price, but then
you're going to give me interestonly amortization.
Maybe the price doesn't matterto the seller, but it's the down
payment.
Okay, we'll give you a hugedown payment, but you're going
to give me no payments for thefirst year and you're going to
give me a lower price and you'regoing to give me interest-only
(14:20):
amortization.
You can go back and forth, andit really is such a beautiful
blessing because we can bothwalk away as winners of the deal
.
And so we talk about all thatand more in the book, and we
talked about it a lot, and someof the recent videos that we've
done here on the channel.
So again, if you haven'tsubscribed, I'd be grateful.
Number one, if you do, justmakes me feel good, and I love
(14:42):
numbers if you can't tell.
So I love seeing those numbersgo up.
So, thank you sincerely, if youdo, and and there's a lot of
great content where actuallyit's more detailed in the book,
to be honest with you.
But if you like it in a writtenformat, this is a great little
piece.
I know some people like thattype of learning better, so
hopefully it'll be helpful foryou.
And so, again, anyone thatcomments now on this live stream
(15:06):
, just put book or whatever youwant to put, as long as it's
nice, in the comment section.
Hopefully.
Then we'll get you a free copy.
We'll reach out to you, makesure we get you that as an
instant ebook download.
And yeah, thank you guys.
So much.
It's a lot of fun.
You know I love this stuff, I'mpassionate about it and I'm
grateful and excited to see howmany other people are passionate
(15:29):
about it too.
Such a beautiful thing, it's alife changing thing.
I mean and again, not to gettoo sappy on it, but a lot of
people in my network and myfriends and family know my
obviously my friends and familybut know my backstory.
But you know, moving 33 timesbefore I was 18 years old and we
never owned anything.
And I dreamed about owninghomes 18 years old and we never
(15:53):
owned anything, and I dreamedabout owning homes and I believe
a big part of what's helped me,thankfully, be blessed, to
achieve that dream of buyingseveral homes is that initial
piece of knowledge, that initialnugget of knowledge, and I'll
forever be thankful for thatgift.
But then you got to put it touse.
(16:14):
So I'm not saying this book isgoing to change anybody's life,
but there might be something inthere that hits and then you
make a life decision.
Maybe you decide, oh, you knowwhat?
I never thought about it likethat, but selling my property in
that way would allow me to dothis and that X, y, z, and then
that leads to another benefitfor you down the road that you
(16:35):
didn't even know was possible.
So that's my hope is that wecan be a small resource or a big
resource for you and be a pieceof that puzzle.
Thank you guys for hopping onhere with me.
It's fun.
We're going to see how thisgoes and maybe we'll do some
more of these if people enjoy it.
But thank you either way, andI'm going to leave this up for
about 24 hours on the YouTube,so if anybody has, I don't even
(17:01):
know how it works if you can seeit after the fact, but if you
do, then put a comment in there,then we'll get you a free copy
as well.
So, thank you guys.
Have an incredible remainder of2025 and beyond and we'll talk
with you soon.
Thanks so much.
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