# Switching from cash to financing - what terms should I offer? **URL:** \ **Category:** Land Investing\ **Created:** [July 1, 2025, 1:54pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756 "2025-07-01T13:54:22Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![cia](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/cia/32/5277_2.png) [@cia](https://forum.retipster.com/u/cia)\ **Post date:** [July 1, 2025, 1:54pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/1 "2025-07-01T13:54:22Z")
Hi all. I have a lot that I have been offering for a cash sale but I need to start offering financing. What is a reasonable down payment and monthly payments for a parcel with a market value of 15K. I want to get my money back as soon as possible but also want to stay competitive. Any advice is greatly appreciated. Thank you ---
**Author:** ![retipsterseth](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/retipsterseth/32/2538_2.png) [@retipsterseth](https://forum.retipster.com/u/retipsterseth)\ **Post date:** [July 1, 2025, 5:35pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/2 "2025-07-01T17:35:07Z")
You should check out the loan calculator on REtipster. > **[The Last Loan Calculator You'll Ever Need! ➕➖✖️➗](https://retipster.com/loan-calculator/)** > > Once calculated, click 'View Amortization Schedule' to see the results! https://youtu.be/Gqym96B92vM?si=h9TxSBWLDPRIH\_29 How Does the Loan Calculator Work? If you're thinking about taking out a loan or extending a loan to someone else as a lender or... You can plug in any three variables and then calculate the missing one. For example, if you know the loan amount is going to be $12,000 (say, if you require a 20% or $3,000 down payment), and if you want to get all your money back in 12 months, while charging 10% interest, it show you that the payment will be 1,054.99. On the contrary, if you want to be sure the monthly payment is $500, but you don’t care how long it takes to pay it off, you can leave the # of months field blank, and when you calculate it, it’ll show you 27 months. Make sense? Give it a try! ---
**Author:** ![tmiski](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/tmiski/32/3875_2.png) [@tmiski](https://forum.retipster.com/u/tmiski)\ **Post date:** [July 1, 2025, 11:24pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/3 "2025-07-01T23:24:29Z")
I usually try to recapture the cost of the property in the down payment, or as close to that as I can get. Otherwise, you may start running into cash flow problems. ---
**Author:** ![Dputz](https://avatars.discourse-cdn.com/v4/letter/d/46a35a/32.png) [@Dputz](https://forum.retipster.com/u/Dputz)\ **Post date:** [July 2, 2025, 1:09am UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/4 "2025-07-02T01:09:21Z")
That depends on what your exits are. We just talkeda bout this on our Real Estate Notes Show. If you are looking to hold the note or sell it matters a lot. We recommend creating 2 notes and selling the 1st. ---
**Author:** ![cia](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/cia/32/5277_2.png) [@cia](https://forum.retipster.com/u/cia)\ **Post date:** [July 2, 2025, 12:30pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/5 "2025-07-02T12:30:12Z")
Thank you Seth! ---
**Author:** ![cia](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/cia/32/5277_2.png) [@cia](https://forum.retipster.com/u/cia)\ **Post date:** [July 2, 2025, 12:31pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/6 "2025-07-02T12:31:43Z")
Thank you Ted. It makes sense and I want to do that but in the market I’m in people are used to low down payments. ---
**Author:** ![cia](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/cia/32/5277_2.png) [@cia](https://forum.retipster.com/u/cia)\ **Post date:** [July 2, 2025, 12:33pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/7 "2025-07-02T12:33:12Z")
That sounds like a good strategy. Have you ever had pushback from buyers about signing two notes? ---
**Author:** ![Dputz](https://avatars.discourse-cdn.com/v4/letter/d/46a35a/32.png) [@Dputz](https://forum.retipster.com/u/Dputz)\ **Post date:** [July 2, 2025, 1:28pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/8 "2025-07-02T13:28:17Z")
There can be some pushback. We actually have 14 points that make a note valuable, as we are primarily note buyers. All this is on our JKP Website ---
**Author:** ![cia](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/cia/32/5277_2.png) [@cia](https://forum.retipster.com/u/cia)\ **Post date:** [July 3, 2025, 1:39pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/9 "2025-07-03T13:39:46Z")
Hi Seth. I tried the calculator but doesn’t seem to be working. I tried entering loan amount, monthly payment, and #months. I also tried having the interest rate as the unknown variable. I doesn’t give me anything. ---
**Author:** ![retipsterseth](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/retipsterseth/32/2538_2.png) [@retipsterseth](https://forum.retipster.com/u/retipsterseth)\ **Post date:** [July 3, 2025, 2:12pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/10 "2025-07-03T14:12:18Z")
@cia are you clicking the blue button on the right of the empty field? It won’t calculate until you do that. I just tried it myself and it worked okay for me… but if you still don’t see it working, let me know (could be something strange with your or my browser). ---
**Author:** ![Brian\_Formosa](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/brian_formosa/32/2093_2.png) [@Brian\_Formosa](https://forum.retipster.com/u/Brian_Formosa)\ **Post date:** [July 4, 2025, 5:12pm UTC](https://forum.retipster.com/t/switching-from-cash-to-financing-what-terms-should-i-offer/9756/11 "2025-07-04T17:12:19Z")
The calculator is working for me too. Nice tool!