The 10-10-5 Seller Finance Formula for Tired Landlords

Tired landlords don't want to deal with agents, showings, and closing delays — they want out fast, with income they don't have to manage. The 10-10-5 seller finance formula is designed specifically for this seller type: 10% down, 10-year amortization, 5% interest. This video walks through how to pitch this structure, how to find tired landlords, and how to underwrite the deal from both sides of the table.

Seller financing is one of the most powerful creative acquisition tools in any market — and tired landlords represent the most motivated seller segment available right now. As more long-term landlords exit the market nationally amid rising costs and regulatory pressure, the 10-10-5 formula gives buyers a win-win structure that gets deals done without banks. The video covers who tired landlords are and why they're motivated, the 10-10-5 formula in full detail, how to pitch seller finance to a skeptical seller, the underwriting math from both sides of the table, how to find tired landlords in your target market, and how to handle common seller objections.

on Seller Financing and Creative Real Estate Deals: Julie Gates has been structuring creative real estate deals since 2004 and is an active member of the SubTo creative finance community. As a licensed RE/MAX broker who has closed hundreds of transactions and a 20-year investor with direct experience structuring owner financing, subject-to, and installment sale arrangements, she understands both the pitch and the paperwork of seller finance transactions from both sides.

Timestamps:
0:00 – Who is a tired landlord and why they're motivated
5:00 – The 10-10-5 formula explained
12:00 – How to pitch seller finance to a skeptical seller
20:00 – Underwriting the deal: buyer and seller math
30:00 – Finding tired landlords in your market
40:00 – Common objections and how to handle them

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Видео The 10-10-5 Seller Finance Formula for Tired Landlords канала Julie Gates | Savannah Real Estate Investing