Everyone knows the simplicity of a cash sale: quick closing, done and gone. But what if you could get cash now and income for decades?
That’s what creative seller financing offers Rochester homeowners.
By combining a down payment at closing with predictable monthly payments, you can sell your house and transform it into an income-producing investment.
At Brett Buys Roc Houses LLC, we’ve helped dozens of local sellers use this strategy to grow wealth safely, legally, and locally.
What Is Creative or Seller Financing?
Seller financing allows you to act as the lender. The buyer makes monthly payments directly to you — including interest — over a fixed term. You receive immediate money upfront through a down payment and long-term income through monthly cash flow.
It’s 100% attorney-handled, fully recorded, and secured by the property itself.
Why We Can Offer You More
Cash deals come with steep hidden costs for buyers like us — lender fees, double closings, refinance costs, and high interest rates. Those can easily exceed $20,000–$25,000 per property.
When you offer seller financing, those costs vanish. The savings go right back into your pocket in the form of a higher total sale price and interest income.
Because we’re paying more overall, the interest rate or term often favors the buyer — typically lower interest (around 3–4%) or an extended 30-year payoff. But you still come out ahead — and then some.
📈 Why Longer Terms Work in Your Favor
Here’s what a 30-year plan really looks like:
| Example | Sale Price | Interest | Term | Monthly Payment | Total Payments | Total Interest |
| Cash Offer | $180,000 | — | — | — | $180,000 once | — |
| Seller Financing | $200,000 | 4.0% | 30 years | $954.83 | $343,739.01 | $143,739.01 |
That’s $163,739 more than a cash sale — and you’ll still receive a down payment at closing for immediate liquidity.
Even if the note is paid off early, you benefit from higher principal and interest collected to date.
Why This Works So Well in Rochester
- Every deal uses local attorneys and title professionals
- You get both cash now and predictable income later
- We tailor terms around your needs and comfort level
- You stay protected through recorded documents
- We’re A+ BBB accredited with 90+ five-star reviews
Real Story: Turning a Sale Into Long-Term Security
A Pittsford homeowner sold her property to us with seller financing. She received $25,000 down and a 30-year note at 3.9% interest. Her monthly income: $830.
Over the life of the note, she’ll earn $325,000 total — nearly $145,000 more than if she’d taken a one-time $180,000 cash offer.
“I didn’t want all my money sitting in the bank,” she told us. “Now my house pays me every month.”
FAQs
Can I decide the down payment amount?
Yes. We customize every deal to your comfort level and needs.
What happens if you refinance or sell?
Your note is paid in full at that time, including all remaining principal and interest.
Is this risky?
No — it’s handled by New York attorneys and recorded with the county clerk, securing your position.
Can I end it early?
Yes, you can sell your note or agree to an early payoff at any time.
Final Thoughts
Creative seller financing lets you enjoy both immediate cash and ongoing income — often earning tens of thousands more than a standard cash offer.
It’s secure, transparent, and designed to serve both sides fairly.
You help a local buyer, strengthen your community, and create long-term financial stability for yourself.
Visit www.brettbuysrochouses.com to explore cash vs. creative offers today — and see which fits your goals best.