A Seller Financing Program Unlike Anything Else
How We're Different
Three Parties, One Seamless Transaction
Most seller financing programs simply broker a deal between a seller and a buyer. Our model is fundamentally different — we step in as the funding partner, creating a smoother, faster transaction for everyone.
We Create the Agreement With You, the Seller
First, we sit down with you — the property owner — and structure a financing agreement tailored to your property. This isn't a one-size-fits-all contract. We build terms around your property's value, your goals, and your timeline. Once the agreement is signed, the deal is locked in.
Reine Properties Provides the Funds to You
This is what makes us unique. We don't wait for a buyer to get approved by a bank. We fund the agreement directly — providing you with the capital you need, when you need it. No waiting on third-party loan approvals. No last-minute financing falling through. The funds come from us.
We Assign the Agreement to a Qualified Buyer
After funding the seller, we assign the financing agreement to a pre-vetted, qualified buyer. The buyer takes over the agreement under its original terms — making monthly mortgage payments plus a semi-annual payment toward the down payment balance. You're already paid. The buyer gets a structured path to full ownership.
The Transaction
How the Deal Actually Works
A clear picture of how funds, agreements, and ownership move through our unique three-party model.
You Get Paid — Fast
You sign the agreement with Reine Properties, and we provide the funds directly. There's no waiting for a buyer to secure financing, no deals falling apart at the last minute. You get the capital you need and move on to your next chapter.
- Direct funding from Reine Properties
- No dependency on buyer financing
- Flexible agreement terms built around you
- Close in weeks, not months
A Structured Path to Ownership
The buyer takes over the agreement with clear, predictable terms. Instead of a large upfront down payment, they make two manageable payments: a monthly mortgage and a payment every six months toward the down payment balance.
- Monthly mortgage payment
- Semi-annual down payment installments
- No traditional bank qualification required
- Clear, predictable path to full ownership
Buyer Payment Structure
Two Predictable Payments — That's It
Our buyer payment structure is designed to be manageable and predictable. No surprises, no balloon payments, no hidden fees. Just two clear obligations that build toward full ownership.
Monthly Mortgage Payment
Due Every MonthThe buyer makes a standard monthly mortgage payment, just like a traditional loan — but without having to qualify through a bank. This payment covers the principal and interest on the financing agreement, steadily building equity with every installment.
Semi-Annual Down Payment Installment
Due Every 6 MonthsInstead of a massive upfront down payment — which is often the single biggest barrier for qualified buyers — our structure spreads the down payment across manageable semi-annual installments. Every six months, the buyer pays a portion of the down payment balance, making ownership achievable and sustainable.
The result: A buyer who could never assemble a 25–40% down payment all at once can now own a $2M–$75M commercial property. And the seller gets paid immediately — because Reine Properties funds the deal directly. Everyone wins.
Why It Works
Why Our Three-Party Model Wins
Traditional seller financing is a two-party dance with one partner always waiting. Our model breaks that bottleneck entirely.
Traditional Seller Financing
Seller waits for a buyer
Property sits while the seller hopes the right buyer comes along.
Buyer needs bank approval
Even with seller financing, most buyers still need a bank loan — and banks move slowly.
Deals fall through
Up to 30% of commercial deals collapse before closing due to financing issues.
One-size-fits-all terms
Rigid structures that don't account for the property's unique characteristics or the seller's goals.
Reine Properties Three-Party Model
Seller gets paid immediately
Reine funds the agreement directly — no waiting for a buyer to materialize or get approved.
No bank qualification needed
The buyer steps into an existing agreement. No traditional loan application, no bank delays.
Deals close with certainty
Because we fund the deal upfront, there's no financing contingency to fall through.
Flexible, tailored terms
Every agreement is structured around the specific property, the seller's goals, and the buyer's capacity.
At a Glance
The Program in Summary
Agreement First
We create a customized financing agreement directly with you, the seller — built around your property and goals.
We Fund Directly
Reine Properties provides the funds. No waiting on banks, no financing contingencies, no last-minute surprises.
Assign to Buyer
We assign the funded agreement to a qualified buyer who takes over under clear, predictable terms.
Structured Payments
Buyer pays monthly mortgage + semi-annual down payment installments — a manageable path to full ownership.
Ready to Experience the Difference?
Whether you're a seller looking for a fast, certain close — or a buyer seeking a structured path to commercial property ownership — our unique three-party model is built for you.
No obligation • Fully confidential • $2M–$75M in all 50 states