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

Provide a comprehensive financing structure analysis organized into these components:

**Buyer Needs** – A bulleted list of the buyer's actual requirements extracted from the deal parameters.

**Seller Needs** – A bulleted list of the seller's actual requirements extracted from the deal parameters.

**Financing Requirements Translation** – A two-column breakdown showing each party's need in the left column and its corresponding financing requirement in the right column (e.g., "seller wants quick exit" translates to "requires balloon payment within 24 months").

**Identified Conflicts** – A numbered list of direct conflicts between buyer and seller requirements, with an explanation of why each creates incompatibility.

**Conflict Resolution Through Structure** – Numbered resolutions corresponding to each identified conflict. For each resolution, detail the specific mortgage structure choice (seller financing, wraparound mortgage, lease option, subordination agreement, interest-only period, balloon payment, equity participation, or layered debt instrument) and provide a mechanical explanation of how it resolves the conflict.

**Zero Cash Down Preservation** – A structured explanation showing the specific mechanism that eliminates upfront capital requirements for the buyer.

**Cash Flow Stability Preservation** – A structured explanation showing the payment structure that maintains predictable monthly obligations for the buyer.

**Final Structure Confirmation** – A mapping that shows how each original need from both parties connects to specific structural elements, demonstrating that both parties' requirements are satisfied.

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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
- 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