Here’s a comprehensive list of online platforms and tools where you can find real estate that may be available with seller/owner financing (creative financing) or direct owner-to-buyer deals (no bank) — including dedicated FSBO sites, classifieds, social media, and niche owner-financed property marketplaces:Owner Financed Homes HQ+1 🏡 Dedicated Owner Financing / Creative Financing Real Estate Sites 📌 Owner-Financed Property Marketplaces These sites are designed (or widely used) to find properties with seller financing, rent-to-own, or no/low credit owner financing: - Shop Owner Finance – Online marketplace specializing in homes you can purchase with owner financing (even with credit issues). Shop Owner Finance - LandWatch – Owner Financing Filter – Lists homes & land nationwide that include “Owner Financing” filters helping you find creative finance deals. Landwatch.com Note: Some specialized sites like ShopOwnerFinance.com focus on broader creative financing and rent-to-own deals (not traditional MLS). Shop Owner Finance 🏠 FSBO (For Sale By Owner) Websites These general “by owner” marketplaces often have sellers willing to negotiate financing directly because they’re avoiding agents & banks:Wikipedia - ForSaleByOwner.com – One of the largest FSBO networks in the U.S. for homes sold directly by owners. For Sale By Owner - FSBO.com – Another FSBO marketplace; using search terms like “seller financing” or “owner finance” can uncover deals. Accounting Insights

Key Questions to Ask Yourself & the Seller About the Structure & Terms: 1. Lease-Option vs. Lease-Purchase? (Lease-Option: Right to buy; Lease-Purchase: Obligation to buy). 2. Purchase Price: Fixed now or determined by appraisal later?. 3. Option Fee: How much, and will it count toward the purchase price?. 4. Rent Credits: How much of the monthly rent goes toward the down payment?. 5. Lease Length & Extension:How long, and can the period be extended?. LLC l 6. 7. Default: What happens if you miss a payment or can't buy? (You could lose everything).  About Costs & Responsibilities: 1. Maintenance & Repairs:Who pays for routine upkeep and major fixes? (Often you in these deals). 2. Property Taxes & Insurance:Who is responsible for these carrying costs?. 3. Utilities: Which ones are your responsibility?.  About the Purchase Process: 1. Credit & Financing: Can you qualify for a mortgage at the end? (Talk to a lender early). 2. Home Inspection: Do you need one, and is it recommended? (Yes, get one!). 3. Seller's Mortgage: Is the seller paying their existing mortgage? (If not, they could foreclose).  Crucial Advice - Get Legal Help: Have a real estate attorney review the contract; these agreements are not standard and vary widely. - Understand Risks: You can lose your option fee and rent credits if the deal falls through, warns Redfin. - Check Local Laws:Regulations for lease options differ by state