Georgia Land Note — 66.7% Payout

$60,000

Note Balance

66.7%

of Balance Paid

1 Acres

Morgan County, GA

Deal Structure

Property1 acres — Georgia
Property Value$110,000
Buyer Down Payment$50,000 (45%)
Note Created$60,000
Interest Rate10.9%
Term96 months (8 years)
Monthly Payment$939.27

Seller Payout

Buyer Down Payment$50,000
Note Sale to Damen Capital$40,000
Total Cash at Closing$90,000
Payout (% of Note Balance)66.7%

Buckhead, Georgia — Morgan County

A 1-acre parcel in Morgan County, Georgia was sold for $110,000 with a substantial 45% buyer down payment of $50,000. The remaining $60,000 was seller financed. With an ITV of just 0.36, this was an extremely safe note for the buyer. Damen Capital purchased the note for $40,000, giving the seller $90,000 total cash — 81.8% of the original sale price.

High buyer down payments dramatically reduce ITV and risk, but they also mean the note balance is smaller relative to the sale price. The seller still collected 81.8% of the total sale price as cash at closing — $50,000 from the buyer's down payment plus $40,000 from the note sale.

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