Elysian Owner Financing

With Elysian Owner Financing, selling your home is more flexible and profitable than ever. We buy your property directly from you, offering at or above asking price. We structure the sale with a flexible balloon payment, typically with a term of five years or more, providing you with a steady income stream in the meantime.

Owner financing, also known as seller financing, offers a number of compelling benefits for home sellers:

• Higher Sale Price: By offering flexible terms, you can often secure a sales price at or above your asking price.
• Passive Income Stream: Instead of a single lump sum, you receive regular monthly payments, turning your home into a consistent source of income.
• Faster Closing: You can bypass the delays and complexities of banks, appraisals, and traditional underwriting, leading to a much quicker closing.
• Tax Advantages: Owner financing can offer significant tax benefits, allowing you to spread out capital gains over a number of years.

In a traditional home sale, you receive the entire sale price as a lump sum, which means any capital gains (the profit from your sale) are often taxed in a single year.

With owner financing, the IRS typically treats the transaction as an installment sale. This allows you to spread out your capital gains tax payments over the life of the loan as you receive payments, rather than paying the entire tax bill at once. By spreading out the income, you may avoid being pushed into a higher tax bracket in a single year, which can lead to considerable savings.

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