Commercial Real Estate Built for Sellers & Buyers
We fund the down payment so sellers can offer financing and buyers can close deals traditional lenders won't touch. Properties from $2M to $75M across all 50 states.
How Our Seller Financing Program Works
A simple, three-party structure that unlocks deals traditional financing can't touch. We fund the down payment — the buyer assumes the debt.
We Provide the Down Payment
Reine Properties funds the capital
The seller wants to offer financing but needs buyer skin in the game. We step in and provide the down payment capital — typically 20–30% of the purchase price — removing the single biggest obstacle in any seller-financed commercial deal.
- Down payment funded directly by Reine Properties
- No bank qualifying process for the seller
- Capital available for properties $2M – $75M
The Buyer Assumes the Debt
Seller carries the note, buyer makes payments
The seller finances the remaining balance, carrying a note secured by the property. The buyer makes regular payments to the seller under terms both parties negotiate directly. The buyer now owns and operates a commercial property they couldn't have purchased through a conventional lender.
- Buyer and seller negotiate terms directly
- Seller earns interest on the carried note
- Buyer gets into a property traditional banks wouldn't finance
Everyone Wins at Close
Deal closes, property transfers, payments begin
The transaction closes cleanly. The seller walks away with a completed sale and an ongoing income stream from the note. The buyer takes ownership of a revenue-generating commercial property. Reine Properties earns a return on the down payment capital deployed.
- Clean closing through title company or attorney
- Property transfers to buyer immediately
- Seller receives ongoing note payments plus interest
Built for Sellers & Buyers
Whether you're selling your commercial property or looking to acquire one, our program bridges the gap that kills most deals.
For Sellers
You own a commercial property and want to sell — but finding a cash buyer or a buyer who qualifies for traditional financing is taking months. Our down payment program lets you offer seller financing and close faster.
Why Sellers Choose This Program
- Expand your buyer pool — attract buyers who can't get bank loans
- Close faster — no waiting 90+ days for buyer financing approval
- Earn interest on the carried note — turn your sale into an income stream
- Set your own terms — you negotiate the price and note structure directly
- Sell at or above market — seller financing commands a premium
For Buyers
You want to acquire a commercial property but the bank said no — or the terms they offered don't work. With our down payment program, you can approach sellers with a credible financing solution and close the deal.
Why Buyers Choose This Program
- Get into a property banks won't finance — credit challenges don't disqualify you
- Start building equity immediately — you own the property from day one
- Negotiate directly with the seller — no bank underwriting delays
- Flexible terms — structure payments that match your business cash flow
- Build your portfolio — acquire more properties without traditional lender limits
Seller Financing vs. the Alternatives
Traditional commercial real estate deals fail every day because of financing gaps. Our program exists to solve exactly that problem.
| Dimension | Seller Financing Program | Traditional Bank Sale | Cash Buyer Wait |
|---|---|---|---|
| Buyer Pool | Expanded — includes buyers banks reject | Narrow — only bank-qualified buyers | Extremely narrow — cash only |
| Time to Close | 30–60 days | 90–120+ days | 60–90 days (if you find one) |
| Seller Control | Full — you negotiate everything | Limited — lender overlays apply | Moderate |
| Sale Price | Often at or above market | Market or below | Often discounted |
| Ongoing Income | Yes — interest on carried note | No — lump sum only | No — lump sum only |
| Down Payment | Funded by Reine Properties | Buyer must source 20–30% | 100% from buyer |
Buyer Pool
Time to Close
Seller Control
Sale Price
Ongoing Income
Down Payment
Properties From $2M to $75M
Our program is built for mid-to-large commercial properties. If your deal falls within this range and involves a willing seller and buyer, we can likely help.
Why This Program Is Unique
There is nothing else like this in commercial real estate. Traditional lenders won't touch seller-financed deals — we built this program specifically to fill that void.
We Fund the Down Payment
The biggest obstacle in any seller-financed deal is the down payment. We solve it directly by providing the capital — typically 20–30% of the purchase price.
No Bank Involvement Required
This program operates entirely outside the traditional lending system. No credit committees, no leverage ratios, no loan-to-value caps — just a deal that works for everyone.
Close in 30–60 Days
Without a bank in the equation, deals move at the speed of the parties involved — not a loan officer's inbox. Most transactions close in 30–60 days.
All 50 States, All Asset Classes
We deploy capital nationwide across every commercial asset class. Primary, secondary, and tertiary markets — we don't discriminate by zip code.
Ready to Explore Seller Financing?
Whether you're selling or buying — if there's a commercial property deal on the table and a financing gap in the way, we want to hear about it. Mention "Seller Financing" when you reach out.
Properties $2M – $75M. All 50 states. All commercial asset classes.