FAQ
Frequently Asked Questions
At Gold Peach Real Estate, we understand that selling your property is a big decision, and you may have many questions. That’s why we’ve created this comprehensive FAQ section to provide clear answers and address every concern. Whether you’re exploring Owner Financing, looking for a flexible and stress-free process, or curious about how we’re different from other buyers, you’ll find all the information you need right here. Our goal is to make selling your property simple, transparent, and rewarding—tailored to your unique goals.
FAQ: Selling Your Property with Gold Peach Real Estate
1. How does the process work?
Our process is simple, stress-free, and designed to fit your needs:
- Consultation: We meet with you to learn about your goals, timeline, and property details. This no-pressure conversation ensures we understand what matters most to you.
- Offer: Within 24 hours, we provide a personalized Owner Financing offer tailored to help you maximize your financial outcome.
- Closing: We handle all the paperwork, logistics, and details, so you can close on your schedule without stress or surprises.
From start to finish, you’ll work directly with Bryan and Nicole, ensuring transparency and trust throughout the process.
2. What types of properties do you buy?
We buy a wide range of properties, including:
- Single-family homes
- Multi-family buildings
- Rental properties
- Commercial properties
- Land and vacant lots
Regardless of the condition or location of your property, we’ll work with you to create a solution that fits your needs.
3. Do I need to repair my property before selling?
No! We buy properties in as-is condition. This means you don’t need to spend time or money on repairs, upgrades, or cleaning. Whether your property needs minor touch-ups or major renovations, we’ll take care of everything after the sale.
4. What is Owner Financing?
Owner Financing is a solution where you sell your property and receive monthly payments (with interest) directly from the buyer instead of a one-time lump sum. It’s like becoming the bank—earning steady income over time while avoiding the costly fees and taxes associated with a traditional sale. This option often lets you make hundreds of thousands more than you would through other methods.
5. Why is Owner Financing better than a traditional sale?
Owner Financing provides significant benefits compared to traditional sales, including:
- Higher Earnings: You earn interest over time, adding hundreds of thousands to your total profits.
- No Fees: Avoid agent commissions, closing costs, and repair expenses.
- Tax Savings: Spread out your income to lower your annual capital gains taxes.
- Reliable Income: Receive steady monthly payments for long-term financial security.
6. How much more can I earn with Owner Financing?
For example, if you sell a $500,000 property traditionally, you might only keep around $450,000 after fees and taxes. With Owner Financing, at a 4% interest rate over 30 years, you could earn over $859,000—an additional $359,000 through interest alone. This doesn’t even include the savings from avoiding fees and taxes.
7. What are the tax benefits of Owner Financing?
When you sell through Owner Financing, your income is spread over time rather than being received in a single lump sum. This allows you to significantly reduce your annual capital gains taxes, keeping more of your money.
8. What happens if the buyer stops making payments?
Your Owner Financing agreement includes safeguards to protect you. If the buyer stops making payments, you have the legal right to take back the property or take other steps to secure your investment. We’ll guide you in setting up a secure agreement to ensure your peace of mind.
9. Can I sell if I still owe money on my mortgage?
Yes! We specialize in creative financing solutions, and we can work with sellers who have existing mortgages. We’ll structure the sale to ensure a seamless process for you.
10. What fees will I save by selling to Gold Peach Real Estate?
When you sell to us, you avoid:
- 6% agent commissions
- 3% closing costs
- Repair and renovation expenses
- Appraisal and inspection fees
With these savings, you keep significantly more of your property’s value.
11. How do I know my payments are secure?
Your payments are backed by a legally binding Owner Financing agreement. This ensures you receive your income consistently, and we include safeguards to protect your financial interests.
12. Do you charge fees or commissions?
No, we don’t charge any fees or commissions. Selling to Gold Peach Real Estate is a straightforward process with no hidden costs.
13. Why should I trust Gold Peach Real Estate?
We are a family-owned, local business with deep roots in the North Georgia community. Unlike large corporations or faceless cash buyers, we prioritize relationships and transparency. When you work with us, you’ll deal directly with Bryan and Nicole, who are committed to your success.
14. Do you work with out-of-state sellers?
We primarily focus on properties in North Georgia, but if you’re out of state and own property in our area, we’re happy to work with you.
15. How does Owner Financing provide long-term benefits?
Owner Financing offers:
- Financial Security: Reliable monthly income over time.
- Flexibility: Use payments for retirement, travel, or other goals.
- Legacy Building: Pass down the income stream to future generations, creating long-term benefits for your family.
16. Can I sell my property to you if I have tenants?
Yes. We handle tenant-related issues, including navigating leases and assisting with tenant relocations. You don’t need to worry about managing tenants during the sale process.
17. What happens after I contact you?
After you reach out, we’ll schedule a consultation to discuss your goals and property details. Within 24 hours, we’ll provide you with a tailored Owner Financing offer. If you choose to proceed, we’ll handle all the paperwork and close on your timeline.
18. Can I sell multiple properties to you?
Yes. Whether you have one property or an entire portfolio, we can create customized solutions for each.
19. What if my property is in foreclosure?
We can often work with properties in foreclosure. Our creative financing solutions may help you avoid financial penalties while selling your property on favorable terms.
20. How do I get started?
It’s easy! Contact us today for a free consultation. We’ll explain your options, create a tailored plan, and help you achieve your financial goals.
21. Do you buy properties in poor or distressed condition?
Absolutely. At Gold Peach Real Estate, we specialize in buying properties in any condition, whether they need minor repairs or are in severe disrepair. You won’t need to invest time or money into fixing anything—we handle all the necessary improvements after the sale.
22. Can I still sell my property to you if I’m behind on mortgage payments?
Yes, we work with homeowners who are behind on their mortgage. Our creative solutions, such as Owner Financing, can help you avoid foreclosure while turning your property into a source of steady income or financial relief.
23. Will I lose money if I sell my property through Owner Financing?
No. In fact, Owner Financing often lets you earn more than traditional sales or cash offers. You avoid costly fees and taxes and gain additional income through interest, which increases your total earnings significantly over time.
24. What happens if I want to sell my property quickly?
If you’re in a hurry to sell, our process is designed to accommodate fast timelines. You’ll receive an offer within 24 hours, and we can close in as little as a week. You don’t have to compromise on value to sell quickly with us.
25. Will I need to clean out the property before selling?
No. We accept properties as they are, meaning you don’t need to clean, organize, or remove belongings. Whether it’s an empty house or a property full of items, we’ll handle everything after the sale.
26. How do you determine the terms of my Owner Financing agreement?
The terms of your agreement are based on your financial goals and the property’s value. We work with you to set a fair interest rate, monthly payment schedule, and overall structure that maximizes your earnings while providing steady income.
27. What types of sellers benefit the most from Owner Financing?
Owner Financing is ideal for:
- Homeowners seeking long-term income.
- Investors wanting to avoid hefty taxes on lump-sum payments.
- Property owners looking to sell without repairs or commissions.
- Anyone who values steady financial security over a one-time payment.
28. Can I continue living in the property after selling?
While most sellers move after the sale, certain arrangements may allow for short-term stays depending on the terms of your agreement. We’ll discuss options during your consultation.
29. How does Owner Financing compare to renting out my property?
Owner Financing provides reliable, consistent payments without the headaches of being a landlord. You won’t deal with tenants, repairs, or vacancies while still earning predictable monthly income—often more than you’d make as a landlord.
30. Do I need to show my property to potential buyers?
No. With Gold Peach Real Estate, there are no showings or open houses required. You work directly with us, and we handle all aspects of the sale privately and professionally.
31. Can Owner Financing help me pay off debts or loans?
Yes. Many sellers use the steady income from Owner Financing to manage debts, fund investments, or support other financial goals. The predictable payments provide a stable foundation for your finances.
32. What if my property is in probate?
We work with properties in probate and can guide you through the process. Our experience ensures a smooth transaction while respecting any legal requirements.
33. How do you compare to traditional real estate agents?
Unlike agents, we don’t charge commissions or require you to list your property. With us, there are no repairs, showings, or delays—just a straightforward sale that maximizes your financial benefits.
34. What if I inherited the property and don’t want to keep it?
Inherited properties can be sold to us with ease, even if they’re outdated or in need of repairs. We’ll help you turn your inherited property into a reliable income source through Owner Financing.
35. Can I still sell my property if it’s vacant?
Yes. Whether your property is vacant or occupied, we can create a solution that works for you. Vacant properties often qualify for our as-is purchase process, saving you time and money.
36. Are there any upfront costs to work with you?
No. You won’t pay any upfront costs, fees, or hidden charges when selling to Gold Peach Real Estate. Our process is designed to be transparent and hassle-free.
37. Can I cancel the process if I change my mind?
Yes. Until you sign the final agreement, there’s no obligation to proceed. We’re here to provide options, not pressure you into a decision.
38. Do you provide references or testimonials?
Yes. Many satisfied sellers have worked with us, and we’re happy to share their experiences. Our reputation is built on trust, transparency, and successful results.
39. What if I’m moving out of state?
We specialize in working with sellers who are relocating, whether locally or out of state. Our streamlined process ensures you can sell without delays, even if you’re planning a big move.
40. How do I know your offer is fair?
We base our offers on the market value of your property, your financial goals, and the unique benefits of Owner Financing. Every offer is tailored to ensure you get the best possible outcome.
41. What are my payment options with Owner Financing?
You’ll receive monthly payments, which can be deposited directly into your account or handled through other arrangements that suit your preferences. Payments are structured to provide reliability and convenience.
42. Can I sell to you if my property has liens?
Yes, we can help navigate the process of selling a property with liens. Our team is experienced in handling complex situations and finding solutions that work for you.
43. Do you work with investment portfolios?
Yes. If you own multiple investment properties, we can create a customized plan to purchase one or all of them using our creative financing approach.
44. What happens if the buyer refinances or sells the property?
In most cases, you’ll receive the remaining balance on your agreement if the buyer refinances or sells. We structure your agreement to ensure your financial benefits are protected.
45. Can I reinvest the monthly payments from Owner Financing?
Yes. Many sellers use the predictable income to reinvest in other opportunities, whether it’s real estate, retirement accounts, or other financial goals.
46. What if I don’t understand the financial details?
We take the time to explain every part of your agreement in simple terms. You’ll always know exactly how the process works and what to expect.
47. Do you offer solutions for distressed properties?
Yes. We specialize in buying distressed properties and creating solutions that work for sellers who are facing challenges, such as foreclosure or extensive repairs.
48. How do you compare to other Owner Financing buyers?
Unlike large companies, we focus on personalized solutions. You work directly with us—Bryan and Nicole—ensuring your goals are met with care, transparency, and creativity.
49. Can I sell my commercial property through Owner Financing?
Yes. We work with commercial property owners to create Owner Financing agreements that provide reliable income and avoid the fees associated with traditional commercial sales.
50. How do I get started?
It’s easy! Contact Gold Peach Real Estate today for a free consultation. We’ll discuss your property, explain your options, and provide a personalized Owner Financing offer within 24 hours.