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Harbor Cafe (sample)
BusinessOwner / seller financeVerified sellerSample82% seller-financedPortland, ME 04101
Description
Another sample hospitality business. The seller in this story would carry $180,000. Figures are invented.
Fictional cafe with a seller-carry note and a year-5 balloon.
| Revenue (sample) | SDE / NOI (sample) | Est. DSCR |
|---|---|---|
| $640,000 | $95,000 | 3.63x |
Quick payment estimate
Amount financed$180,000
Est. monthly: $2,183.90 · Balloon: $107,706.12 · DSCR: 3.63x
Estimate only, using the standard amortizing-loan formula. Not a quote and not financial advice.
Open full calculatorsDeal-type risk: Seller-carry note
The seller is offering to take payments over time instead of (or in addition to) a bank loan. You would owe the seller, usually secured by the property or business.
- The note, interest, late fees, and what happens if a payment is missed must be in a written contract.
- A balloon payment can require a large lump sum later. Plan for refinancing or a sale before that date, and do not assume a new loan will be available.
- Someone who seller-finances more than a few properties may need a mortgage or broker license. That is the seller's duty to check, not this website's.
- Have a real estate attorney or title company review the note and security documents before anyone signs or wires money.
This is not legal, tax, or financial advice. It describes common risks. It is not a review of your papers. Have your own licensed attorney read the documents before anyone signs or sends money.