Who Vasvita is for
Sellers considering an owner carry or land contract, buyers exploring rent to own or a lease option, and agents comparing creative paths when traditional mortgages are not the right fit.
From education to a managed note
- Learn the structure — owner carry, land contract, rent to own, or lease option.
- Model numbers — use OwnerFi Pro calculators for payments and proceeds.
- Close & track — when you create a financed note, manage it in OwnerFi Pro.
What people say
"Clear numbers before we offered seller financing."
- Seller"Helped us model payments when the bank said no."
- BuyerOwner carry and land contracts for sellers
An owner carry (seller financing) or land contract can help you sell when buyers cannot get a bank loan—while you receive payments over time. Screen buyers carefully and document terms with counsel.
- Compare cash sale vs carrying a note
- Invite buyers to digital prequal
- Track payments after closing in OwnerFi Pro
Rent to own, lease options, and owner-carry purchases
Rent to own and lease option deals differ from a promissory note— but many paths still lead to an owner-financed purchase. Model payments early and complete prequal when invited.
- Understand lease option vs land contract vs note-and-mortgage
- Estimate what an owner-carry payment might look like
- Use OwnerFi Pro when you move from option to financed purchase
Use the calculator below to estimate payments for an owner-carry / financed purchase. Lease-option option fees are different—ask your attorney how they interact with a future purchase price.
Owner Financing Calculator
Enter loan terms to see monthly payment and amortization schedule. Start date is assumed to be the 1st of next month ().
Amortization schedule
| Date | Payment | Interest | Principal | Balance |
|---|
When you close on a note, track it in OwnerFi Pro
If your creative deal becomes a financed note between buyer and seller, OwnerFi Pro helps with payments, messages, and documents after closing.
Why OwnerFi Pro when your creative deal becomes a note
From the Blog
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What is the difference between Owner Carry and Lease Option
Owner carry vs lease option: title, payments, risk, and when each structure fits buyers and sellers.
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What is Owner Carry
Owner carry explained: how seller financing works, who it helps, and what to document before you close.
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From creative deal to a managed note
When a creative purchase becomes a promissory note, how OwnerFi Pro helps after closing.
No documents listed yet. Check back soon.
Open OwnerFi Pro tools
Calculators and note tracking for owner-carry style deals—free to start on app.ownerfi.app.