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Y2 Lending
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Owner Finance Transactional Funding Details

Fast approval and delivery of funds

Funds are lended out for 24-48 hours

Real Estate: All types of real estate asset classes including: residential single family, residential multi-family, commercial multi-family, mobile home parks, RV parks, self-storage, flex, industrial, etc

Businesses: All industries.

Verification of title companies and/or attorneys involved is required

Loans are up to $5,000,000 million dollars

Need more than $5,000,000 million? Contact Us

We Are Your Go-To Owner Finance Transactional Funding Lender

In the dynamic landscape of real estate investments, particularly when navigating the complexities of owner financing and transactional funding, selecting the right financial partner is paramount. Our commitment to delivering flexible, dependable, and comprehensive funding solutions distinguishes us as the preferred choice for investors and wholesalers engaged in owner financing transactions. Here’s why savvy real estate professionals turn to us for their owner financing transactional funding needs:

  • Expertise in Owner Financing Transactional Funding

  • Benefit from our deep expertise in transactional funding tailored specifically for owner financing scenarios, ensuring smooth and compliant transactions

  • Efficient Funding Process for Owner Financing

  • Our process is designed to expedite owner financing transactions, facilitating quick turnaround times from offer acceptance to closing

  • Competitive Rates Optimized for Owner Financing

  • Take advantage of our transparent and competitive rates structured to enhance the profitability of your owner financing deals

  • Direct Access to Owner Financing Experts

  • Connect directly with our team of owner financing specialists for expert advice and personalized support at every stage of your transaction

  • Proven Track Record in Owner Financing Transactions

  • Our track record speaks for itself, underscored by successful owner financing transactions and positive client testimonials

  • Dedicated Support for Your Owner Financing Success

  • Beyond funding, we offer ongoing support and resources throughout the owner financing process to ensure your success

What Is Owner Financing?

Seller financing, also known as owner financing, is a real estate transaction method where the seller provides a loan to the buyer to purchase the property rather than the buyer securing a traditional mortgage from a bank or other financial institution. This arrangement can be beneficial for both parties, offering a unique and flexible alternative to conventional financing methods. The seller could provide 100% financing or it could be just a small portion of the sale price.

Key Components of Owner Financing

  • Direct Loan from Seller: In owner financing, the seller essentially acts as the lender. Instead of the buyer obtaining a mortgage from a bank, the seller extends credit to the buyer, allowing them to purchase the property directly from the seller.

  • Promissory Note: The buyer and seller create a promissory note that outlines the terms of the loan, including the interest rate, repayment schedule, and consequences of default. This legally binding document ensures that both parties are clear on their obligations.

  • Mortgage or Deed of Trust: To secure the loan, the buyer signs a mortgage or deed of trust in favor of the seller, which is recorded in public records. This document gives the seller a legal claim to the property if the buyer fails to make payments.

  • Flexible Terms: Owner financing often allows for more flexible terms than traditional bank financing. The buyer and seller can negotiate the interest rate, payment schedule, and loan duration to suit their specific needs and financial situations.

Benefits of Owner Financing for Buyers

  • Easier Qualification: Buyers who may not qualify for traditional loans due to credit issues or lack of substantial down payments can still purchase property through owner financing (seller financing).

  • Faster Closing Process: Without the need for lengthy bank approval processes, transactions can close more quickly, allowing buyers to take possession of the property sooner.

  • Negotiable Terms: Buyers can negotiate directly with the seller to create terms that are more favorable or better suited to their financial situation.

Benefits of Owner Financing for Sellers

  • Attract More Buyers: Offering seller financing can make the property attractive to a larger pool of potential buyers, including those who might struggle to secure traditional financing.

  • Potential for Higher Sale Price: Sellers may be able to command a higher sale price by offering financing, as it adds value and convenience for the buyer.

  • Income Stream: By financing the sale, sellers create a steady stream of income from the interest payments, which can often exceed returns from traditional investment vehicles.

  • Tax Benefits: Sellers might receive certain tax benefits by spreading out the capital gains over several years, rather than receiving a lump sum payment at once.

How Owner Finance Transactional Funding Works

  • Step 1: Negotiation

    The buyer and seller agree on the sale price and the terms of the loan, including the interest rate, payment schedule, and loan duration.

  • Step 2: Agreement

    Both parties sign a promissory note detailing the terms of the loan and a mortgage or deed of trust to secure the loan.

  • Step 3: Transfer of Property

    The seller transfers the title of the property to the buyer, and the buyer begins making regular payments to the seller as specified in the agreement.

  • Step 4: Loan Repayment:

    The buyer makes monthly or otherwise scheduled payments to the seller until the loan is paid off or refinanced through a traditional mortgage lender.

  • Step 5: Final Payment and Title

    Upon the completion of all payments, the seller releases the mortgage or deed of trust, and the buyer owns the property free and clear.

Our Process For Owner Finance Transactional Funding

    Our financing process is designed to be straightforward and efficient, ensuring that you can secure the funds you need without unnecessary delays. Here's a detailed breakdown of how it works:

  • Step 1. Simple Application Process

    The first step in obtaining our owner financing is to complete a straightforward form. We've streamlined the process to require only essential information, minimizing the time and effort needed on your part. You can start your application online through our website or over the phone.

  • Step 2. Introduction to Title Company or Closing Attorney

    Once you submit your application, we ask you to introduce us to your title company or closing attorney. This step is crucial as it allows us to establish a relationship with the professionals handling your transaction. We will vet the title company or closing attorney to ensure they meet our standards and can efficiently manage the transaction process.

  • Step 3. Review and Vetting Process

    Our team conducts a thorough review and vetting process of the introduced title company or closing attorney. We verify their credentials, check their track record, and ensure they adhere to industry best practices. This step ensures that all parties involved in the transaction are reliable and capable of facilitating a smooth closing process.

  • Step 4. Evaluation of Purchase Agreement

    We require a copy of the purchase agreement for the property you intend to buy. Our team will review this document to understand the terms and conditions of the sale. This evaluation helps us determine the loan amount and ensures that the transaction aligns with our lending criteria.

  • Step 5. Quick Funding Within 24-48 Hours

    After the vetting process and contract review are complete, we can proceed with funding your loan. Our efficient system allows us to fund your earnest money deposit within 24-48 hours. This rapid turnaround ensures you can move forward with your property purchase without delays, keeping you competitive in the market.

  • Step 6. Terms

    Our standard term 24-hour owner financing transactional funding. If you need something outside of 24-hour funding, feel free to reach out to us and we may find a financing solution that fits your project's timeline and budget.

  • Step 7. Minimal Documentation Required

    To make the process as hassle-free as possible, we require minimal documentation. Aside from the purchase agreement and basic information about the property, we do not require extensive paperwork such as credit checks, pay stubs, or income verification. This approach simplifies the application process and speeds up funding.

  • Step 8. No Credit Checks or Income Verification

    Our financing solutions are designed to be accessible to a wide range of real estate investors. We do not conduct credit checks or require proof of income, making it easier for you to qualify for a loan regardless of your credit history or financial situation.

  • Step 9. Ongoing Support and Communication

    Throughout the financing process, our team is committed to providing ongoing support and clear communication. We are available to answer any questions, provide updates on your loan status, and offer guidance to ensure a smooth and successful transaction.

Frequently Asked Questions

What is owner financing and how does it work?

Owner financing, also known as seller financing, is a method where the seller provides a loan to the buyer to purchase the property, instead of the buyer obtaining a mortgage from a bank. The buyer makes payments directly to the seller according to the terms agreed upon in a promissory note. The seller retains a lien on the property until the loan is paid off, ensuring security for both parties.

What are the benefits of using your owner financing services?

Our owner financing services offer several benefits, including:

1. Quick Approval

2. Fast Terms

3. No Credit Checks

4. Minimal Documentation.

5. Competitive Rates

How quickly can I get funding?

We understand the importance of timely funding in real estate transactions. Our streamlined approval process allows us to fund your loan within 24-48 hours of completing the vetting and signing the contract. This rapid turnaround ensures you can secure your property without unnecessary delays.

What are the typical loan terms?

The term is 24 hours. If you require an extended transactional funding, feel free to reach out by email [email protected] or phone 415.725.0311 and we may find a creative solution for you.

Are there any fees involved?

We don't require any other fees besides what we typically charge for owner financing transactional funding. However, depending on how the deal is structured, we may ask for a small fee upfront and get the rest at closing.

How do I apply for owner financing transactional funding?

Reach out via our website, phone, or email to start the process.

What documentation is required?

We require minimal documentation to streamline the process.

1. Purchase Agreement: This is the primary document we need, detailing the terms of the sale.

2. Basic Information: Information about the property, the seller, and your title company or closing attorney.

Do you require a credit check or income verification?

No, we do not require credit checks, pay stubs, or income verification. Our focus is on the property and the terms of the sale, making our process accessible for investors with non-traditional income sources or credit issues.

What happens if the deal falls through?

We try to fund transactional owner financing deals after the lender gives a green light to close and its ready to fund to minimize the risk of a deal falling through. However, if the deal does fall through we may charge a very small penalty fee and get our money back from title company or closing attorney 

How is the funding repaid?

The funds get repaid back at closing with out fees

What happens if the deal extends beyond the agreed term?

We understand that real estate transactions can be dynamic. If a deal requires more time than initially agreed upon, we assess the situation on a case-by-case basis to provide a solution that works for all parties involved.

Hear From Our Clients

We have been extremely grateful for how simple and fast Y2 Lending has been to work with. We have done a transactional funding deal and a few fix and flips with Y2 Lending. Using 10+ different hard money lenders and private lenders in the past, Y2 Lending has by far been the best to work with, easy to communicate with and very dependable.

Ryan A.

CC Home Solutions, LLC

Working with Y2 lending helped me get my deal closed fast. I called Eugene and within 7 days I had funded my project. He was flexible on lending terms based on the performance of the project and has been a pleasure to do with throughout the entire process. I will definitely use Y2 Lending again and definitely recommend to other investors.

Johnoson C.

Grab The Map, LLC

Y2 lending really helped my business with our financial goals. I worked with Eugene and he was incredibly professional. Everything was on time, he showed great character, and overall made the experience really easy. Every time I even have the possibility of a lending situation I consult Y2 lending first. Y2 lending and Eugene really are amazing!

Ryan S.

Cinch Realty Group Inc

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