We'll buy your property on monthly payments

Why sellers choose payments over a lump sum

A retired seller in Union County with forty acres they never built on does not need one hundred and twenty thousand dollars sitting in a checking account. They need eleven hundred dollars a month showing up on the first, for the next decade, without a tax bill every October and without paying somebody to bush-hog it twice a summer.

Heirs use it for a different reason. When four siblings inherit ground and take the money in one year, the entire gain lands in that year's returns — and one sibling almost always ends up in a worse tax position than the others. Payments spread across years can change that math.

And some sellers simply like the interest. A note at six percent secured by land you know intimately, in a county you have lived in your whole life, is not a bad place for money.

How our payment offers are structured

You get a down payment at closing, then fixed monthly payments over a term you help set — commonly five to fifteen years. The interest rate is stated in the note. The whole thing is secured by a deed of trust recorded against the property at the county register of deeds, so if payments stopped you would have the same enforcement rights a bank has.

A Tennessee closing attorney or title company prepares the note and deed of trust and records them. You are free to have your own attorney review everything before you sign, and we encourage it.

The day we close, the property taxes, insurance, mowing, liability, and maintenance become our problem. You keep the income and none of the chores.

What it does not do

It does not give you all your money today — that is the trade. It does not eliminate tax, it changes the timing of when gain is recognized. And it is not right for everyone: if you need a lump sum to buy the next place or clear a debt, take the cash offer. We will show you both numbers and let you pick.