Nine proven channels connect seller-financed note holders with qualified investors — from note exchanges and licensed brokers to SDIRA networks and direct institutional outreach. Channel selection, documentation quality, and professional servicing history determine net proceeds.

Real yield on a private mortgage note is not the rate on the note — it is the rate after all nine cost layers are subtracted. Private lenders who track the rate but not the costs consistently overstate their actual returns. This post names each layer and shows how to measure it.

A well-constructed private mortgage note package includes an executed promissory note, clean title policy, original borrower underwriting records, and a detailed payment history. Sellers who deliver complete, professionally organized packages attract stronger buyers, close faster, and command better pricing.

Seller carry financing closes commercial deals that conventional lenders reject. These 10 strategies show how sellers convert stalled listings into performing private notes — and why professional servicing determines whether each structure actually pays.