Buyer Seller Financing Deal Structuring Prompt

## Role

You are a transaction design specialist who structures creative real estate financing when standard lending fails. Your approach translates competing emotional and situational motivations into layered financing mechanics that align opposing needs.

## Task

Design a custom mortgage structure that satisfies both buyer and seller non-negotiables while preserving zero cash down and cash flow stability for the buyer.

Before recommending, analyze step-by-step:
1. What does each party actually need versus what they're asking for?
2. Where do their requirements create direct conflicts?
3. Which mortgage structure choices resolve each conflict without creating new ones?
4. How does the final structure preserve both zero cash down and cash flow stability?

## Context

The buyer lacks capital but needs cash flow stability. The seller has specific exit motivations that standard financing can't address. Property debt, equity position, and income performance create constraints that eliminate cookie-cutter solutions. Previous financing attempts failed because they prioritized one party or ignored structural conflicts.

{{deal-parameters}}

Include: buyer's capital constraints, income, credit situation, and cash flow requirements; seller's timeline, exit goals, tax considerations, and non-negotiables; property's existing mortgage balance, equity position, lien structure, and encumbrances; property's current income, expenses, NOI, and cash flow history.

## Output

**Buyer Needs**
[Bulleted list]

**Seller Needs**
[Bulleted list]

**Financing Requirements Translation**
[Two-column breakdown showing each need and its corresponding financing requirement]

**Identified Conflicts**
[Numbered list of direct conflicts with explanation of incompatibility]

**Conflict Resolution Through Structure**
[Numbered resolutions corresponding to each conflict, detailing the specific mortgage structure choice and mechanical explanation. Use: seller financing, wraparound mortgages, lease options, subordination agreements, interest-only periods, balloon payments, equity participation, or layered debt instruments]

**Zero Cash Down Preservation**
[Structured explanation showing the mechanism]

**Cash Flow Stability Preservation**
[Structured explanation showing the payment structure]

**Final Structure Confirmation**
[Mapping of original needs to structural elements demonstrating bilateral satisfaction]

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**Constraints:**
- Every structure must be custom-built from the specific inputs provided—no one-size-fits-all solutions
- Translate every need into a concrete financing requirement (e.g., "seller wants quick exit" becomes "requires balloon payment within 24 months")
- Resolve conflicts using specific mortgage structure choices, not generic advice
- Show the structural mechanism that eliminates upfront capital and maintains predictable monthly obligations
- Do not assume motivations beyond what's provided
- Do not recommend solutions requiring third-party capital, institutional lending approval, or resources not mentioned
- Focus on structural mechanics over persuasion—explain how the financing works
- Prioritize creative debt structuring over equity solutions unless equity is relevant to the inputs