How to Use Seller Financing to Buy Rentals With Less Cash

In Episode 73 of The Real Estate Investing Podcast, Lucas and Luna break down seller financing — a strategy where the seller acts as the bank, allowing you to buy rental property with less upfront cash and more flexible terms. They walk through a concrete example: a duplex in Raleigh, North Carolina, purchased with 10 percent down and a five-year balloon note at 6 percent interest. Lucas explains how to structure the deal, why sellers agree to it, and the key risks like the balloon payment and due-on-sale clauses. Luna asks about negotiating the interest rate and what happens if you can't refinance at the end. The episode closes with a natural reflection on creative financing in a higher-rate market. No fluff, no hype — just a practical tool for investors who want to scale without a pile of bank debt. #SellerFinancing #CreativeFinancing #RentalProperty #RealEstateInvesting #Duplex #RaleighNC #BalloonNote #InterestRate #DueOnSaleClause #Landlord #CashFlow #RealEstateWealth #FexingoBusiness #BusinessPodcast #Finance #RealEstate #InvestmentProperty #Podcast Keep every episode free: buymeacoffee.com/fexingo