Real world example

Three paths. One clear winner.

Deal Assumptions

$200,000

$120,000 existing mortgage

15% discount applied to discounted sale scenario.
FiTerra reflects a 10% premium above asking (canonical <$200K tier).

Asking Price

$200,000

Seller's list price

Existing Mortgage

$120,000

Paid off at close

Down Payment

$40,000

20% · all scenarios

Investment Payment rate

6.25% IO

Investment interest yield

6.5%

Owner finance note

8.0% / 30yr

Current Path

Discounted Sale

Accept today's discounted offer

Sale Price

$170,000

15% below your asking price

Net to Seller at Close

$45,750

After $120K mortgage + closing costs

Monthly Income After Close

None

No retained ownership in property

The Alternative

Owner Finance

Carry the note yourself

Sale Price

$200,000

At your asking price

Net to Seller at Close

−$85,000

You must bring cash to clear the mortgage

Monthly Income After Close

$1,174/mo

P&I on $160K note · illiquid 30yr hold

✓ Best Outcome for Your Property

FiTerra Optimized Structure

Enhanced Return

Maximize Sales Price

Sale Price

$220,000

10% above your asking price

Net to Seller at Close

$87,900

$42,150 more than the discounted sale

Monthly Income After Close

$165/mo

Net of debt service · retained investment interest

5-Year Wealth Position

$62,793

Proceeds compounded @ 9%

5-Year Wealth Position

$151,040

Cash to close + income
+ note balance

5-Year Wealth Position

$263,150

Proceeds + income + $132K buyout at Year 5

The above uses a $200,000 asking price with a $120,000 mortgage.
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Asking Price

Current Mortgage

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