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I'm Considering Seller Financing

Spread the tax hit and often improve your net proceeds.

Seller carrybacks are common in Arizona park deals, especially for parks that banks find awkward: fewer than 30 spaces, private wells, septic systems, or heavy park-owned home income.

Carrying paper can raise your total return and spread capital gains across years under installment-sale rules, but it also means you are the lender. Structure matters: down payment, rate, term, amortization, and personal guaranty.

What matters most in Arizona

  • Larger down payments and shorter terms reduce your risk considerably.
  • Record a first-position deed of trust and require proof of insurance and tax payment.
  • Talk to your CPA about installment-sale treatment before agreeing to terms.

"Don't have clean books? Don't let that stop you. Start with what you know."

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