Listing Going Stale?
Low Offers?
We Can Help.

Most agents with a tough listing have limited options; wait and hope, or cut the price. Optimized Owner Finance is the solution.

A

Wait. Hope the market turns.

B

Cut the price. Take less. Move on.

C

Restructure the deal — seller accesses their equity, typically close at a higher price.

The Full Picture

Three paths. One clear winner.

When a listing stalls, there are three options. Most agents only offer two of them. The $200,000 example below shows exactly what each path delivers for your seller and for you.

$200,000 asking price · $120,000 existing mortgage

Option A

Wait & Hope

Keep the listing. Hold the price.

Sale price Unknown

Seller net Unknown

Ongoing income None

Your commission (3%) Pending

Days accumulate. Seller confidence erodes. No certainty.

Option B

Price Reduction

Drop to $170K — "just get it sold."

Sale price $170,000

Seller net ~$45,750

Ongoing income None

Your commission (3%) $5,100

Seller loses $30K in equity. You lose on commission. Everyone settles.

✓ Best Outcome

Option C

FiTerra's Optimized Structure

Maximize flexibility & return.

Sale price $220,000

Seller net $87,900

Ongoing income $165/mo

Your commission (3%) $6,600

Increase seller proceeds, your commission and closing timeline.

The sellers path to cash

Buyers Ownership Interest

Ownership Interest (40% of property)$80,000

Buyer down payment (20%)$16,000

Bank mortgage (80% LTV)$64,000

Seller receives at close$80,000

+

Sellers Investment Interest

Investment Interest (60% of property)$120,000

Partnered lender finances at 80% LTV$96,000

Monthly income on retained interest$120/mo+

Additional capital to seller$96,000

=

Sellers Cash at Close

$176,000

Your Commission

You could earn more on the same listing.

When a FiTerra deal closes at or above asking, your commission reflects the higher price — with no additional work on your end.

Scenario A

Price reduction after 60 days

$170,000

Sale price$170,000

Commission rate3%

Your commission$5,100

After 60+ days of market time, price reductions, and seller frustration.

Scenario B

Traditional owner financing

$200,000

Sale price$200,000

Commission rate3%

Your commission$6,000

At asking, but seller walks away with minimal cash and a subordinated note for 30 years.

Scenario C — FiTerra

Premium sale, expanded buyer pool

$220,000

Sale price$220,000

Commission rate3%

Your commission$6,600

Commission on the higher price, same amount of work — and the seller ends up better off too.

+29.4%

more commission vs. price-cut close

Zero Risk Option

Nothing to lose by offering this.

Marketing FiTerra's optimized structure doesn't limit you or your seller. It's an additional option — one that often generates more buyer inquiries than a standard listing alone.

No exclusive commitment

Your seller can still accept a conventional offer. The FiTerra structure is an option — not a contract that locks them out from other buyers.

Expanded buyer pool — more leads

Listings marketed with optimized financing consistently attract more inquiries. A lower purchase price draws in buyers who often compete for the listing.

No change to your role

You remain the listing agent. FiTerra handles the deal structure, documentation, and lender coordination. Your role is to present the options — FiTerra handles the complexity.

Conventional offers still an option

If a strong conventional offer comes in above asking, take it. FiTerra is a tool for listings that need it — not a replacement for deals that are already working.

Your Playbook

How to Explain the Structure

Everything below is designed to help you present FiTerra's optimized structure to buyers, sellers, and cooperating agents — clearly and confidently.

Explaining the Purchase

Reduced Purchase Price. Lower monthly payments.

The purchase price on a FiTerra listing reflects the Ownership Interest — 40% of the full property cost. There are three things to communicate clearly to buyers and cooperating agents:

1

The mortgage is on a lower loan amount — which means a lower monthly payment than a conventional purchase of the same home.

2

There is also a monthly investment payment on the seller's retained 60% — think of it like HOA dues. Its paid alongside the mortgage.

3

The sellers interest has a fixed buyout price set at closing — the buyer can purchase it at any time, unlike permanent HOA or condo dues.

Conventional Purchase

$200,000 at 6.5% / 30yr

Mortgage (30yr @ 6.5%)$1,138/mo

PMI (if <20% down)~$225/mo

Total monthly~$1,363/mo

Down payment required$20,000 – $40,000

FiTerra Structure

$80,000 Ownership Interest @ 6.5%

Mortgage on $64K (6.5% / 30yr)$405/mo

Investment Payment (on seller's 60% @ 6.5%)~$650/mo

Optimized Mortgage Payment~$1,055/mo

Down payment required$16,000

$24,000 less down · No PMI · $308/mo less than conventional

What to tell the buyer's agent: "The buyer's mortgage covers the Ownership Interest only — so the loan amount is smaller and the down payment is lower. There's a monthly Investment Payment on top, similar to HOA dues, and the buyer's total monthly payment is often less than a conventional purchase. The buyout price for that fee is locked in at closing, so the buyer can own the property outright whenever they're ready."

What FiTerra Does

Creative finance — built for real estate.

Optimized Residential Real Estate Finance

FiTerra is a residential real estate finance company pioneering creative financing structures for single-family residential. We develop, trademark, and operationalize structures that don't exist anywhere else — including the REVA, our proprietary GSE-compliant ownership agreement. Optimized Owner Finance is one of those structures. For your listing, it means a tool that moves the deal forward without cutting the price.

Pre-Closing

Structure, qualify, and close

Structure analysis & optimization

We analyze the property and seller's goals to design the optimal split, pricing, and financing configuration.

MLS listing language

Ready-to-use listing descriptions that accurately represent the structure and attract informed buyers.

Buyer pre-qualification

Identity, background, credit, and income verification — packaged and delivered as one consolidated report.

Lender coordination

We connect the transaction to our network of lenders experienced with Ownership Interest mortgages and Investment Interest financing.

REVA documentation & title education

All specialized legal documentation prepared and coordinated. We educate the title company on the structure at no additional cost.

Post-Closing

Serve, protect, and facilitate

Payment servicing & collection

Automated ACH collection of monthly Investment Payments with tracking, statements, and reporting for the seller.

Optimized Payment Protection Coming Soon

Surety-backed buyer default coverage — priced ~65% below comparable PMI and paid from the buyer's ongoing payments, not the seller's pocket. Launching in waves; your sellers can join the early-access waitlist for priority enrollment and locked rollout pricing.

Tax & insurance monitoring

Ongoing monitoring to ensure property taxes and insurance obligations are being met by the buyer.

Buyer & seller support

Both parties have access to FiTerra support for questions about payments, reporting, and the REVA agreement.

Buyout facilitation

When the buyer is ready to purchase the seller's Investment Interest, FiTerra coordinates the process and documentation.

How to Present This

Three conversations that close the deal.

You don't need to understand the structure in detail. FiTerra handles the complexity. Frame it in three steps.

1

Lead with the capital access numbers

Don't start with structure — start with what the seller cares about. How much money they walk away with, and how fast. FiTerra delivers ~56% of sale price at closing in the standard structure (Path A) — and up to 88% when the buyer obtains a conventional Ownership Interest mortgage from a bank (Path B) — vs. 10–20% with traditional owner financing and a 30-year wait.

What to say: "With this structure, your seller walks away with around 56% of the sale price at closing in the standard path — and we can structure for up to 88% if the buyer obtains a conventional mortgage on their Ownership Interest. They keep a secured ownership stake that pays them flat monthly income, with a buyout price fixed at the original Investment Interest value."

2

Explain the security advantage — not just the income

Sellers who've heard of owner financing often assume it means holding a vulnerable note. FiTerra's structure is fundamentally different. Your seller isn't a lender — they're still an owner, with first-position rights and a much faster default remedy instead of 18-month foreclosure.

Traditional owner finance: subordinated note, 6–18 month foreclosure if buyer defaults

FiTerra: first-position ownership, termination of the Ownership Interest in 30–90 days, bank incentivized to cure to protect its collateral

The bank's Ownership Interest mortgage depends on the structure surviving — so the bank has every incentive to make sure the seller is protected

Optimized Payment Protection (coming soon): surety-backed default coverage, ~65% below PMI, funded by buyer payments. Waitlist members get priority and locked rollout pricing.

3

Run the numbers together with FiTerra's calculator

Every property is different. Use FiTerra's property analyzer to show the seller their specific numbers — capital access, monthly income, effective yield, and buyout timeline. Sellers respond to their own numbers, not hypotheticals.

FiTerra provides: MLS-ready listing language, buyer education materials, a property analyzer you can run with your client in the room, and full transaction support from documentation through closing.

Objection Handling

What sellers ask — and how to answer.

The complexity is FiTerra's problem, not your seller's. From the seller's perspective, the transaction closes like any other sale — they sign at title, receive funds, and then collect a monthly payment. What changes is how much they walk away with. If your seller is already considering a price reduction, the question is whether they'd rather take $170K with zero ongoing income, or $210K with $600–800/month in passive income. That's not complicated — that's just better math.

The underlying structure our REVA is based on is centuries-old property law — every major commercial real estate asset class uses them. FiTerra has translated that structure for residential use with Fannie Mae and Freddie Mac compliant documentation. FiTerra can join your listing presentation, provide a one-page explainer for your seller, or meet with them directly to answer questions. Your job is to introduce the option — FiTerra educates.

This is the most important advantage of the FiTerra structure over traditional owner financing. Your seller is not a lender — they're an owner. If the buyer defaults on the Investment Payment, the seller's remedy is termination of the Ownership Interest in 30–90 days — not an 18-month foreclosure. The bank holding the buyer's mortgage must cure the default or risk losing their collateral (the Ownership Interest), which means the bank has every financial incentive to protect your seller's position. Our new Optimized Payment Protection program (surety-backed default coverage, launching soon) adds another layer — keeping monthly income flowing during a workout.

Yes. FiTerra has relationships with title companies familiar with the structure and a lender network fully equipped to handle Ownership Interest financing on FiTerra structures. The buyer's mortgage is GSE-compliant — eligible for Fannie Mae and Freddie Mac financing, meaning standard lenders can participate. FiTerra educates the title company at no additional cost and ensures all required documentation, endorsements, and recordation are handled correctly.

No. Your role as the listing agent doesn't change. You're presenting a financing option to your seller — not originating a loan or providing legal advice. FiTerra handles all structure analysis, documentation, and lender coordination. If the seller wants to proceed, FiTerra engages directly to formalize the structure. You continue to represent your client in the transaction exactly as you normally would.

No. FiTerra is a residential real estate finance company, not a brokerage. We don't list property, we don't represent buyers or sellers in transactions, and we don't take commission. The listing agent stays the listing agent — same MLS workflow, same commission, same client relationship. FiTerra provides the financing structure that makes a tough listing close at premium pricing. You bring the seller; we make the deal pencil.

Partner with FiTerra

Bring this to your next tough listing.

Schedule 30 minutes with FiTerra. We'll run a real listing through the analyzer with you, answer your questions, and set you up with MLS listing language and buyer materials.

$2,000+

additional commission on a typical
FiTerra deal vs. a price-cut close

30 – 60 days

average time to close a
restructured listing

Zero

additional work for you —
FiTerra handles the complexity